Turnover
≈ €200,000 estimated
The micro format states no turnover.
Borys Construct
Overview
Lifetime
1 annual account with figurespeak €28,294 (2025)
€28,294
peak €22,785 (2025)
€22,785
peak €2,285 (2025)
€2,285
€29,732
Board1 name since 2025
1 directorBORYS Piotr
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Incorporation 17-02Dividend €1,0001 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€29,732 93% of the balance sheet
Suppliers 14%Taxes and wages 13%Other 73%
Position in the sector
€2,285
Less equity than 86% of companies in construction of buildings. Sector median €45,553 · 9,465 companies.
2025 accounts filed 31 days after the deadline
Checked score
49
Fair
Financially stronger than 44% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 3.7%
04-2026: 3.8%▲ +0.1 percentage points vs 03-2026
05-2026: 3.9%▲ +0.1 percentage points vs 04-2026
06-2026: 4.3%▲ +0.4 percentage points vs 05-2026
07-2026: 4.4%▲ +0.1 percentage points vs 06-2026
08-2026: 4.7%▲ +0.3 percentage points vs 07-2026highest value
09-2026: 3.6%▼ -1.1 percentage points vs 08-2026lowest value
10-2026: 3.6%● unchanged vs 09-2026lowest value
11-2026: 3.6%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2025
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 0.82, cash €7,510
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 16% of them on solvency, 24% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 320 companies had the same profile as Borys Construct has now. Each dot is one company, two years later.
96.6%
were still trading
2.5%
stopped another way
0.9%
went bankrupt
The bankruptcy probability of Borys Construct itself is higher: 3.6% within 12 months. It rests on far more data about Borys Construct than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 320 companies, not a prediction for Borys Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 9462 sector peers (2025).
NBB · sector comparisonPosition among 9462 sector peers
Solvency
better than 16%
← weakest
strongest →
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019948664
Incorporation
Founding capital of €1,500, 100 shares · Founder: BORYS Piotr · Appointment: BORYS Piotr (statutory director) · published on 17-02-2025 · Gazette deed
First establishment
Heymboschlaan 125, Jette
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Borys Construct Jette | - | - | 7.1% | - |
| CLODI CONSTRUCTION Schaerbeek | €69,069 | 22.8% | 53.5% | - |
| HAKKONSTRUCT Charleroi | €129,724 | 19.8% | 73.1% | - |
| EXPERT DESIGN Drogenbos | - | - | 74.9% | - |
| SIDOR Braine-le-Château | - | - | 9.9% | - |
| EYA Zelzate | - | - | 62.3% | - |
| GT PRO SERVICES Hoeilaart | - | - | 78.5% | - |
These companies have the same main activity as Borys Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €28,400 and €36,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 13-02-2025Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.370.310.4101090 Jette, since 13-02-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 02-06-2025
Insights on Borys Construct
The computed 12-month bankruptcy probability of Borys Construct is 3.6% (moderate). The 2025 annual accounts show equity of €2,285 and a net result of €22,785.
Its solvency ranks better than 16% of 9,462 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€28,294
€23,323
€22,785
-€5,304
7.1%
0.82
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €200,000. Estimated: probably between €110,000 and €350,000.
Balance sheet
balance sheet total €32,017 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
7.1%
Higher than 16% of 9,462 companies in 2025.
0.82
Higher than 15% of 9,210 companies in 2025.
71.2%
Higher than 95% of 9,282 companies in 2025.
Borys Construct
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
32,017 | |
21/28 |
7,589 | |
22/27 |
7,589 | |
23 |
4,326 | |
24 |
3,264 | |
29/58 |
24,428 | |
40/41 |
14,935 | |
40 |
11,265 | |
41 |
3,669 | |
54/58 |
7,510 | |
490/1 |
1,983 | |
| Balance sheet: equity and liabilities | ||
10/49 |
32,017 | |
10/15 |
2,285 | |
10/11 |
1,500 | |
14 |
785 | |
17/49 |
29,732 | |
42/48 |
29,732 | |
44 |
4,072 | |
440/4 |
4,072 | |
45 |
3,932 | |
450/3 |
1,632 | |
454/9 |
2,300 | |
47/48 |
21,728 | |
| Income statement | ||
9900 |
28,294 | |
630 |
1,111 | |
66A |
3,860 | |
9901 |
23,323 | |
75/76B |
0 | |
75 |
0 | |
65/66B |
90 | |
65 |
90 | |
9903 |
23,233 | |
67/77 |
448 | |
9904 |
22,785 | |
9905 |
22,785 | |
| Appropriation of the result | ||
9906 |
22,785 | |
694/7 |
22,000 | |
694 |
1,000 | |
695 |
21,000 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00466859.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00466859 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 24,434 | ||
| 23,896 | ||
| 8,700 | ||
| -5,304 | ||
| 7.1% | ||
| 0.82 | ||
| 13.01 | ||
| 997.1% | ||
| 71.2% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €8,700 |
| €1,111 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Borys Construct
Debt's share of the balance-sheet total is 92.9%.
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayBORYS Piotr
Director
Director
Board
Mandates as a list
- BORYS Piotr
- Director, appointed by deed of 17-02-2025, still in office
Control
Founder
BORYS Piotr
This company
Borys Construct
Equity €2,285
Profit €22,785 in 2025
Capital
- Contribution
- €1,500
- Shares
- 100
- Contribution per share
- €15
- Equity per share
- €22.85 in 2025
- Source
- deed of 17-02-2025
Articles of association
deed of 17-02-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 17-02-2025 ↗
- BORYS Piotr 100 shares (100%) · €15
Network & group
No group
Borys Construct has no parent and no holdings in its annual accounts. BORYS Piotr is the only director. Borys Construct shares no director with another company.
At the same address
Heymboschlaan 125, 1090 Jette · 3 other companies| ANDRE RENSON & CO
registered office since 26-05-2003 · founded in 2003 · accounts filed late |
total assets €236,763 (2021) 0480.056.067 |
| BRAZILIA BELLES ROCHES
registered office since 11-04-1978 · founded in 1978 |
total assets €13,715 (2025) 0418.287.556 |
| Borys, Piotr (sole trader)
establishment since 01-01-2015 |
founded in 2015 0568.548.078 |
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1019948664
IncorporationFounding capital of €1,500, 100 shares · Founder: BORYS Piotr · Appointment: BORYS Piotr (statutory director) · published on 17-02-20257 points ▸
- Founder, BORYS Piotr
- Founding capital, €1,500, 100 shares
- 100 shares
- Director appointment, BORYS Piotr
- Registered office clause, Avenue du Heymbosch 125 boite 17, 1090 Jette
- Board rule, 1
- Director appointment, BORYS Piotr (statutory director)
- The deed holds 6 more points.
First establishment Heymboschlaan 125, Jette
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1019.948.664
- VAT number
- BE 1019.948.664
- Peppol ID
- 0208:1019948664
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 13-02-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June at 18:00deed of 17-02-2025 (in French)
- Peppol
- Reachable since 02-06-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Borys Construct in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 17-02-2025 (in French)
- Name clauseThe company operates under this name according to its articles.
- Borys Constructdeed of 17-02-2025 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 17-02-2025 (in French)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’entreprise générale de tous travaux publics et privés et plus spécialement l’entreprise générale de construction de bâtiments,soit d’une…”deed of 17-02-2025 (in French)
27 activities
- L’entreprise générale de tous travaux publics et privés et plus spécialement l’entreprise générale de construction de bâtiments,soit d’une manière générale tous travaux de construction,de rénovations,de transformations,de restaurations,de démolitions,de parachèvement et de finitions du bâtiment dans toutes ses applications
- La vidange de fosses septiques et de canalisations,la vidange de collecteurs industriels de déchets liquides,l'ébouage et l’épandage de déchets liquides
- La maçonnerie,la peinture,la finition d’intérieur et d’extérieur,le plafonnage,le nettoyage de façade,la menuiserie,la pose de mosaïques et de carrelages,la pose de sanitaires,le rejointoiement,le sablage,le coffrage,la plâtrerie,le nettoyage,la démolition et le terrassement,et plus généralement,l’entreprise générale en construction
- La pose de carrelages et de pierre de taille,la taille de pierres du pays et de marbre,la taille façonnage et finition de pierres,les opérations réalisées sur pierre brutes,la fabrication d'ouvrages en asphalte
- La fabrication de panneaux électriques pour la récupération de chaleur solaire,les travaux de terrassement et comblement,le nivellement et la destruction à l’explosif
- Le drainage de chantiers de construction,les forages et sondages,la construction de tunnels,ponts et viaducs,la construction de pistes d'atterrissage,les travaux de dragage,la mise en place de fondations,la construction de chambres fortes,les travaux d'isolation de canalisation de chauffage et de réfrigération
- La pose et la réparation de châssis,la fabrication et la commercialisation de châssis,et tous les services liés à ce produit
- Le rejointoiement,l’installation de piscines privées,la destruction de parasites,ainsi que l'installation de panneaux de signalisation
- La pose de cloisons et faux plafonds en bois,l’installation de portes rétractiles et stores
- La location de containers
- Le recyclage et le triage de déchets,ainsi que la récupération et la valorisation de métaux ferreux et non ferreux
- La destruction et la démolition
- La pose et dépose de carrelage,le gros œuvre,la fabrication et la pose de panneaux de bois et de plâtre,la fabrication et la pose de contre plaqués
- La fabrication d'ouvrages préfabriqués en ciment et béton,le coffrage,le recouvrement d'enduit de protection
- La fabrication de cadres métalliques et ossature pour la construction ainsi que la pose de ceux-ci,la fabrication et la pose de portes et fenêtres en métal
- La construction générale de bâtiments non résidentiels,le rejointoiement,le cimentage,le montage de hangars,granges et silos,la construction de routes,le marquage a la peinture des chaussées,la construction de réseaux d'évacuation,la construction de tous autres ouvrages
- Le curage de fosses,la construction de barrages et de digues,la construction de terrains de jeux
- Les travaux de construction spécialisés,les travaux de terrassement,le drainage des terrains,le déblayage des chantiers,les forages et sondages,l’installation de systèmes d’alarme et de communication,les travaux d'installation électrotechnique
- Les travaux d'isolation acoustique et thermique,les activités diverses de finition,le sablage,le nettoyage et le démoussage de toitures,la pose de plaques de gyproc
- La vente,la pose et la fabrication de panneaux photovoltaïques,la pose et la fabrication de recouvrements hydrofuges,le recouvrement de sols
- La vente de gros et de détail de carrelages,pierres naturelles,marbres et matériaux de construction
- La réparation,le nettoyage de toutes types de textiles,notamment les activités de blanchisserie,de teinturerie,de nettoyage à sec,de dégraissage,de repassage en libre-service ou en titres-services,de couture,de nettoyage de cuir,daim,fourrure,tapis
- L'exploitation de tout commerce similaire,tel un salon lavoir
- Toutes opérations se rapportant directement ou indirectement à l’acquisition,la vente et la location de linges,textiles divers,de produits d’entretien ou de nettoyage en tous genres
- Toutes opérations se rapportant directement ou indirectement au nettoyage de tous types de locaux ou immeubles divers
- Le nettoyage intérieur de bâtiments de tous types,y compris les bureaux,les ateliers,les usines,les locaux d’institutions et les autres locaux à usage commercial ou professionnel ainsi que les maisons unifamiliales et les immeubles à appartements;le nettoyage de vitres
- Le repassage
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Heymboschlaan 125 registered office 1090 Jette 43120 Site preparation | 13-02-2025 | 2.370.310.410 |
Buildings and parcels at the address
- Ground area
- 2,151 m²
- Buildings
- 797 m²
- Volume, LiDAR
- 7,908 m³
- Tallest building
- 13.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21010B0043/00M003 | 2,151 m² | 1 · 797 m² | 13.8 m · 3 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1019.948.664