BOUWBEMIDDELING
ActiveBOUWBEMIDDELING has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €297k and a net result of €76k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+4
Solvency98▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 4.67 against 4.01 in 2024; short-term debt: 16.1% and cash: 4.5% of total assets), and 26.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
73.2%
Return on assets
18.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
58 d late
2022
28 d late
2021
24 d late
2020
47 d late
2019
72 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€297k▲ 34.1%
2024 · €221k
2018: €126k
2019: €103k
2020: €158k
2021: €161k
2022: €128k
2023: €171k
2024: €221k
2018 → 2025
Total assets
€406k▲ 24.3%
2024 · €326k
2018: €244k
2019: €227k
2020: €260k
2021: €245k
2022: €208k
2023: €266k
2024: €326k
2018 → 2025
Net result
€76k▲ 48.6%
2024 · €51k
2018: €7k
2019: €-23k
2020: €55k
2021: €3k
2022: €-32k
2023: €42k
2024: €51k
2018 → 2025
Working capital
€239k▲ 44.1%
2024 · €166k
2018: €100k
2019: €74k
2020: €115k
2021: €116k
2022: €81k
2023: €125k
2024: €166k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€128k▼ 20.1%€171k▲ 33.0%€221k▲ 29.8%€297k▲ 34.1%
Operating result€10k-€-13k€62k€72k▲ 15.8%€112k▲ 55.0%
Net result€3k-€-32k€42k€51k▲ 20.3%€76k▲ 48.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €406k
Fixed assets
€102k▼ 3.8%
Current assets
€304k▲ 37.7%
Equity and liabilities €406k
Equity
€297k▲ 34.1%
Debt
€109k▲ 3.5%
The debt ratio falls from 32.1% to 26.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€116k▲
2024 · €79k
Cash flow
€80k▲
2024 · €58k
Solvency
73.2%▲
2024 · 67.9%
Current ratio
4.67▲
2024 · 4.01
Quick ratio
4.67▲
2024 · 4.01
Debt / equity
0.37▼
2024 · 0.47
ROE
25.4%▲
2024 · 23.0%
ROA
18.6%▲
2024 · 15.6%
Interest coverage
24.34▲
2024 · 18.75
Debt
€109k▲
2024 · €105k
Debt ≤ 1 year
€65k▲
2024 · €55k
Debt > 1 year
€43k▼
2024 · €50k
Income taxes
€31k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€326k€406k▲
Fixed assets21/28€105k€102k▼
Tangible fixed assets22/27€105k€101k▼
Land and buildings22€87k€87k=
Plant, machinery and equipment23€7k€7k▼
Furniture and vehicles24€11k€7k▼
Financial fixed assets28€750€750=
Current assets29/58€221k€304k▲
Amounts receivable within one year40/41€201k€280k▲
Trade receivables40€16k€16k▲
Other amounts receivable41€185k€264k▲
Cash at bank and in hand54/58€16k€18k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€326k€406k▲
Equity10/15€221k€297k▲
Contributions10/11€6k€6k=
Reserves13€247k€322k▲
Distributable reserves133€247k€322k▲
Profit (loss) carried forward14€-31k€-31k▲
Amounts payable17/49€105k€109k▲
Amounts payable after more than one year17€50k€43k▼
Financial debts170/4€50k€43k▼
Amounts payable within one year42/48€55k€65k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€47k€56k▲
Taxes450/3€47k€56k▲
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€84k€119k▲
Operating profit (loss)9901€72k€112k▲
Financial income75/76B€1€6▲
Recurring financial income75€1€6▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€68k€107k▲
Income taxes67/77€17k€31k▲
Profit (loss) for the period9904€51k€76k▲
Profit (loss) for the period to be appropriated9905€51k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€44k▲
Profit (loss) brought forward from the previous period14P€-32k€-31k▲
Transfer to equity691/2€50k€76k▲
To other reserves6921€50k€76k▲
The notes to these accounts (6 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €76k ▲48.6%
Operating result €112k, net result €76k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €200kEq €221k ▲29.8%
2 profitable years in a row build equity to €221k.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
31-12
Financial
Equity above €150kEq €171k ▲33%
Equity rises from €128k to €171k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-32k ▼1305%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 12.70
Current ratio from 5.19 to 12.70; short-term debt falls from €27k to €10k.
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 47 days late
2020
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
31-12
Financial
Equity above €150kEq €158k ▲53.8%
Equity rises from €103k to €158k.
11-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 72 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lebbeke · 2 establishment units since 2002
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.
Fortstraat 69280 LebbekeGround area
3.7 ha
Building footprint
9,004 m²
Volume, LiDAR
10,607 m³
2 parcels, Flanders · tallest building 19.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Fortstraat 6, 9280 Lebbeke
since 20022.114.315.928
Culliganlaan 1, 1831 Machelen (Brab.)
since 20122.214.818.222
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015B0092/00R000 | Flanders | 3.7 ha | 1 · 8,877 m² | 19.9 m |
| 42011B0061/00X004 | Flanders | 302 m² | 1 · 127 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,733 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-2002
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.