BOUW SYSTEM

Active

Private limited companyfounded 20251 yr activeAcacialaan 17, 1742 Ternat, BelgiumKBO/BCE: BE 1022.860.644

The computed 12-month bankruptcy probability of BOUW SYSTEM is 1.5% (moderate). The 2025 annual accounts show equity of €7k and a net result of €2k. Its solvency ranks better than 17% of 7321 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

48 / 100

Fair

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency13

Growth-

Stability67

Bankruptcy probability, 12 months

1.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.82), and 91.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7321 sector peers (2025).

NBB · sector comparison

Position among 7321 sector peers

Solvency

better than 17%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 1 filing

Deviation from the deadline

2025

11 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€7k

Total assets

€84k

Net result

€2k

Working capital

€-9k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €84k

49.7%

50.3%

Fixed assets €42k

Current assets €42k

Equity and liabilities €84k

91.1%

Equity €7k

Debt €76k

Debt finances 91.1% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€6k

Cash flow

€4k

Solvency

8.9%

Current ratio

0.82

Quick ratio

0.82

Debt / equity

10.22

ROE

33.1%

ROA

2.9%

Interest coverage

7.71

Debt

€76k

Debt ≤ 1 year

€52k

Debt > 1 year

€25k

Income taxes

€1k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€84k

Fixed assets21/28€42k

Tangible fixed assets22/27€41k

Furniture and vehicles24€41k

Financial fixed assets28€1k

Current assets29/58€42k

Amounts receivable within one year40/41€13k

Trade receivables40€12k

Other amounts receivable41€764

Cash at bank and in hand54/58€29k

Deferred charges and accrued income490/1€291

Equity and liabilities

Total equity and liabilities10/49€84k

Equity10/15€7k

Contributions10/11€5k

Profit (loss) carried forward14€2k

Amounts payable17/49€76k

Amounts payable after more than one year17€25k

Financial debts170/4€25k

Amounts payable within one year42/48€52k

Current portion of amounts payable after more than one year42€12k

Trade debts44€25k

Suppliers440/4€25k

Taxes, remuneration and social security45€11k

Taxes450/3€1k

Remuneration and social security454/9€10k

Other amounts payable47/48€4k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k

Other operating charges640/8€436

Gross operating margin9900€6k

Operating profit (loss)9901€4k

Financial income75/76B€43

Recurring financial income75€43

Financial charges65/66B€784

Recurring financial charges65€784

Profit (loss) for the period before taxes9903€4k

Income taxes67/77€1k

Profit (loss) for the period9904€2k

Profit (loss) for the period to be appropriated9905€2k

Appropriation of the result

Profit (loss) to be appropriated9906€2k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

11-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 11 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Ternat · 1 establishment unit since 2025

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Acacialaan 171742 Ternat

Ground area

772 m²

Building footprint

140 m²

Volume, LiDAR

581 m³

Parcel 23071C0697/00B003, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

BOUW SYSTEM

Acacialaan 17, 1742 TernatGeneral construction of residential buildings

since 20252.373.253.567

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23071C0697/00B003	Flanders	772 m²	1 · 140 m²	7.9 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Ternat2.373.253.567

1 permission

Toelating · Traiteur · since 03-12-2025

Similar companies · same sector, comparable size

ENGESMA

BE 0556.735.755

Sint-Pieters-Woluwe · Eq €7k

MDC CONSULTANCE

BE 0698.681.003

Montigny-le-Tilleul · Eq €7k

Sint-Jans-Molenbeek · Eq €7k

BOUWBEDRIJF VAES

BE 0821.826.857

Zonhoven · Eq €7k

Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 8,010 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-04-2025

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

56210Event catering

81210General cleaning of buildings

93299Other amusement and recreation activities

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.