BOUWMANAGEMENT TEAM
ActiveBOUWMANAGEMENT TEAM has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €368k and a net result of €40k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 10.66 against 4.79 in 2024; short-term debt: 8.9% and cash: 86.2% of total assets), and 8.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
91.1%
Return on assets
9.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
18 d late
2023
26 d early
2022
31 d late
2021
31 d early
2020
47 d early
2019
4 d early
← 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
€368k▲ 12.1%
2024 · €328k
2018: €94k
2019: €101k
2020: €158k
2021: €195k
2022: €268k
2023: €350k
2024: €328k
2018 → 2025
Total assets
€403k▼ 1.6%
2024 · €410k
2018: €105k
2019: €115k
2020: €206k
2021: €243k
2022: €325k
2023: €428k
2024: €410k
2018 → 2025
Net result
€40k▼ 8.2%
2024 · €43k
2018: €5k
2019: €7k
2020: €58k
2021: €37k
2022: €73k
2023: €82k
2024: €43k
2018 → 2025
Working capital
€346k▲ 11.7%
2024 · €310k
2018: €94k
2019: €101k
2020: €156k
2021: €194k
2022: €249k
2023: €328k
2024: €310k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€195k-€268k▲ 37.6%€350k▲ 30.4%€328k▼ 6.2%€368k▲ 12.1%
Operating result€55k-€110k▲ 99.9%€123k▲ 11.2%€64k▼ 47.7%€59k▼ 7.5%
Net result€37k-€73k▲ 100%€82k▲ 11.1%€43k▼ 47.0%€40k▼ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €403k
Fixed assets
€21k▲ 19.0%
Current assets
€382k▼ 2.5%
Equity and liabilities €403k
Equity
€368k▲ 12.1%
Debt
€36k▼ 56.2%
The debt ratio falls from 20.0% to 8.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▼
2024 · €71k
Cash flow
€44k▼
2024 · €51k
Solvency
91.1%▲
2024 · 80.0%
Current ratio
10.66▲
2024 · 4.79
Quick ratio
10.66▲
2024 · 4.79
Debt / equity
0.10▼
2024 · 0.25
ROE
10.8%▼
2024 · 13.2%
ROA
9.8%▼
2024 · 10.5%
Interest coverage
142.01▼
2024 · 408.66
Debt
€36k▼
2024 · €82k
Debt ≤ 1 year
€36k▼
2024 · €82k
Income taxes
€22k▲
2024 · €22k
Staff costs
€27k▲
2024 · €26k
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€410k€403k▼
Fixed assets21/28€18k€21k▲
Tangible fixed assets22/27€18k€21k▲
Land and buildings22€9k€11k▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€3k€5k▲
Other tangible fixed assets26€3k€3k=
Current assets29/58€392k€382k▼
Amounts receivable within one year40/41€60k€34k▼
Trade receivables40€60k€34k▼
Cash at bank and in hand54/58€331k€348k▲
Deferred charges and accrued income490/1€254-
Equity and liabilities
Total equity and liabilities10/49€410k€403k▼
Equity10/15€328k€368k▲
Contributions10/11€19k€19k=
Reserves13€294k€334k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€292k€332k▲
Profit (loss) carried forward14€15k€15k=
Amounts payable17/49€82k€36k▼
Amounts payable within one year42/48€82k€36k▼
Current portion of amounts payable after more than one year42-€12k
Trade debts44€20k-
Suppliers440/4€20k-
Taxes, remuneration and social security45€62k€24k▼
Taxes450/3€62k€24k▼
Income statement
Code20242025
Remuneration, social security and pensions62€26k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Other operating charges640/8€574€2k▲
Gross operating margin9900€98k€93k▼
Operating profit (loss)9901€64k€59k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€175€445▲
Recurring financial charges65€175€445▲
Profit (loss) for the period before taxes9903€65k€61k▼
Income taxes67/77€22k€22k▲
Profit (loss) for the period9904€43k€40k▼
Profit (loss) for the period to be appropriated9905€43k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€55k▼
Profit (loss) brought forward from the previous period14P€15k€15k=
Transfer from equity791/2€65k-
Transfer to equity691/2€43k€40k▼
To other reserves6921€43k€40k▼
Profit to be distributed694/7€65k-
Return on contributions (dividend)694€65k-
The notes to these accounts (5 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 10.66
Current ratio from 4.79 to 10.66; short-term debt falls from €82k to €36k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €82k ▲11.1%
Operating result €123k, net result €82k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €268k ▲37.6%
5 profitable years in a row build equity to €268k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €158k ▲57.4%
3 profitable years in a row build equity to €158k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €101k ▲7.6%
2 profitable years in a row build equity to €101k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kontich · 1 establishment unit since 2000
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.
Sleutelstraat 232550 KontichGround area
1,398 m²
Building footprint
287 m²
Volume, LiDAR
2,169 m³
Parcel 11602C0280/00P000, Flanders · tallest building 23.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sleutelstraat 23, 2550 Kontich
since 20002.099.893.315
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0280/00P000 | Flanders | 1,398 m² | 1 · 286 m² | 23.7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,892 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-1999
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71111Activities of building architects
74142
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.