Bouwbedrijf SUMMIT
ActiveSummary
Bouwbedrijf SUMMIT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €-19k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-69
Solvency84▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.28 against 3.85 in 2024; short-term debt: 19.9% and cash: 0.6% of total assets), and 41% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59%
Return on assets
-28.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-09-2026, 44 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
44 d late
2024
54 d early
2023
29 d early
2022
50 d early
2021
40 d early
2020
46 d early
2019
39 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 32.8%
2024 · €59k
2018: €27k
2019: €41k
2020: €44k
2021: €50k
2022: €54k
2023: €59k
2024: €59k
2018 → 2025
Total assets
€67k▼ 28.7%
2024 · €95k
2018: €49k
2019: €75k
2020: €59k
2021: €92k
2022: €63k
2023: €100k
2024: €95k
2018 → 2025
Net result
€-19k
2024 · €61
2018: €2k
2019: €14k
2020: €4k
2021: €6k
2022: €5k
2023: €5k
2024: €61
2018 → 2025
Working capital
€31k▼ 25.1%
2024 · €41k
2018: €20k
2019: €-2k
2020: €23k
2021: €27k
2022: €35k
2023: €34k
2024: €41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€54k▲ 9.0%€59k▲ 8.6%€59k▲ 0.1%€40k▼ 32.8%
Operating result€9k-€6k▼ 36.7%€5k▼ 6.0%€3k▼ 43.0%€-18k
Net result€6k-€5k▼ 18.3%€5k▲ 3.1%€61▼ 98.7%€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€23k ▼ 40.5%
Current assets
€44k ▼ 20.2%
Equity and liabilities €67k
Equity
€40k ▼ 32.8%
Debt
€28k ▼ 21.8%
Debt's share of the balance-sheet total rises from 37.4% to 41.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2024 · €18k
Cash flow
€-10k▼
2024 · €15k
Current ratio
3.28▼
2024 · 3.85
Quick ratio
2.34▼
2024 · 3.00
Debt to equity
0.70▲
2024 · 0.60
ROE
-48.8%▼
2024 · 0.1%
ROA
-28.8%▼
2024 · 0.1%
Interest coverage
-4.18▼
2024 · 6.89
Debt ≤ 1 year
€13k▼
2024 · €14k
Debt > 1 year
€14k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€95k€67k▼
Fixed assets21/28€39k€23k▼
Tangible fixed assets22/27€39k€23k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€10k€2k▼
Leasing and similar rights25€26k€19k▼
Current assets29/58€55k€44k▼
Stocks and contracts in progress3€12k€13k▲
Stocks30/36€12k€13k▲
Amounts receivable within one year40/41€35k€29k▼
Trade receivables40€18k€27k▲
Other amounts receivable41€17k€3k▼
Cash at bank and in hand54/58€6k€404▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€95k€67k▼
Equity10/15€59k€40k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€37k€18k▼
Amounts payable17/49€35k€28k▼
Amounts payable after more than one year17€21k€14k▼
Financial debts170/4€21k€14k▼
Amounts payable within one year42/48€14k€13k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€9k▼
Other operating charges640/8€2k€394▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€19k€-5k▼
Operating profit (loss)9901€3k€-18k▼
Financial income75/76B€302€772▲
Recurring financial income75€302€772▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€728€-19k▼
Income taxes67/77€667-
Profit (loss) for the period9904€61€-19k▼
Profit (loss) for the period to be appropriated9905€61€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€18k▼
Profit (loss) brought forward from the previous period14P€37k€37k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 44 days late
2025
31-12
Financial
Weakest financial yearnet €-19k ▼31737%
Net result drops to €-19k, the lowest in the series.
07-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 5.01
Current ratio from 1.71 to 5.01; short-term debt falls from €38k to €9k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 2.61
Current ratio from 0.95 to 2.61; short-term debt falls from €35k to €15k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €14k ▲694%
Operating result €21k, net result €14k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 84 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Gent · 1 establishment unit since 2012
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.
Rijshoutstraat 669032 GentGround area
354 m²
Building footprint
114 m²
Volume, LiDAR
832 m³
Parcel 44074C0310/00A004, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SUMMIT
since 20122.213.793.089
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074C0310/00A004 | Flanders | 354 m² | 1 · 114 m² | 10.4 m · 3 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.
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RVA MONTAGE
BE 1022.058.613
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DAVATO
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DRAUX CONSTRUCTION
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,853 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.