BOUWONDERNEMING PERSOON
ActiveSummary
The computed 12-month bankruptcy probability of BOUWONDERNEMING PERSOON is 2.0% (moderate). The annual accounts of BOUWONDERNEMING PERSOON for fiscal year 2025 show a net loss of 78% of the equity at the start of that year. The 2025 annual accounts show equity of €44,155 and a net result of -€156,058. Equity is growing by ~33.6% per year across the filed fiscal years. Its solvency ranks better than 12% of 857 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability6▼-64
Solvency29▼-10
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.53 against 0.81 in 2024; short-term debt: 51.3% of total assets), and 96% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
4%
Return on assets
-14.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 857 sector peers (2025).
NBB · sector comparisonPosition among 857 sector peers
Solvency
better than 12%
← weakest
strongest →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
12 d late
2023
3 d early
2022
7 d early
2021
2 d late
2020
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average on the deadline day; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 29 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#9 company by total assets in Lubbeek, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€156,058
2024 · €15,846
Working capital
-€265,774▼ 105%
2024 · -€129,536
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€25,796▼ 36.8%€31,213▲ 21.0%€84,303▲ 170%€17,715▼ 79.0%-€131,501
Net result€25,407within the sector's middle half▼ 36.4%€30,538within the sector's middle half▲ 20.2%€69,890within the sector's middle half▲ 129%€15,846within the sector's middle half▼ 77.3%-€156,058below the sector's middle half
Equity€83,940below the sector's middle half▲ 60.4%€114,478within the sector's middle half▲ 36.4%€184,367within the sector's middle half▲ 61.1%€200,213within the sector's middle half▲ 8.6%€44,155below the sector's middle half▼ 77.9%
Total assets€725,052within the sector's middle half▲ 56.4%€903,292within the sector's middle half▲ 24.6%€1.2mwithin the sector's middle half▲ 37.5%€1.4mwithin the sector's middle half▲ 16.6%€1.1mwithin the sector's middle half▼ 24.0%
Debt€641,112▲ 55.9%€788,815▲ 23.0%€1.1m▲ 34.1%€1.2m▲ 18.0%€1.1m▼ 15.4%
Working capital-€109,031below the sector's middle half▼ 113%-€70,418below the sector's middle half▲ 35.4%-€73,024below the sector's middle half▼ 3.7%-€129,536below the sector's middle half▼ 77.4%-€265,774below the sector's middle half▼ 105%
Solvency11.6%below the sector's middle half▲ 0.3pp12.7%below the sector's middle half▲ 1.1pp14.8%below the sector's middle half▲ 2.2pp13.8%below the sector's middle half▼ 1.0pp4.0%below the sector's middle half▼ 9.8pp
Current ratio0.55below the sector's middle half▲ 0.030.80below the sector's middle half▲ 0.250.89below the sector's middle half▲ 0.090.81below the sector's middle half▼ 0.080.53below the sector's middle half▼ 0.28
Return on assets (ROA)3.5%within the sector's middle half▼ 5.1pp3.4%within the sector's middle half▼ 0.1pp5.6%within the sector's middle half▲ 2.2pp1.1%within the sector's middle half▼ 4.5pp-14.2%below the sector's middle half▼ 15.3pp
Staff (FTE)0.5below the sector's middle half1below the sector's middle half▲ 100%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €131,501 after €17,715 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€801,632 ▼ 10.6%
Current assets
€298,602 ▼ 45.8%
Equity and liabilities €1.1m
Equity
€44,155 ▼ 77.9%
Debt
€1.1m ▼ 15.4%
Debt's share of the balance-sheet total rises from 86.2% to 96.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13,908▼
2024 · €165,115
Cash flow
-€10,649▼
2024 · €163,246
Quick ratio
0.48▼
2024 · 0.77
Debt to equity
23.92▲
2024 · 6.23
ROE
-353.4%▼
2024 · 7.9%
Interest coverage
0.57▼
2024 · 8.87
Debt ≤ 1 year
€564,376▼
2024 · €680,829
Debt > 1 year
€491,702▼
2024 · €566,352
Staff costs
€38,152▲
2024 · €18,852
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 646 companies that looked in July 2024 the way this one looks now, 7.3% went bankrupt within 24 months and 86% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a loss of 10% of the balance sheet or more
7.3%
went bankrupt
5.9%
stopped otherwise
86%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 646 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €18,852 | €38,152 | ▲ 102% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €52,100 | €83,869 | €106,803 | €147,400 | €145,409 | ▼ 1.4% |
| Other operating charges640/8 | €993 | €1,086 | €1,363 | €989 | €8,181 | ▲ 727% |
| Gross operating margin9900 | €78,888 | €116,168 | €192,470 | €184,956 | €60,241 | ▼ 67.4% |
| Operating profit (loss)9901 | €25,796 | €31,213 | €84,303 | €17,715 | -€131,501 | ▼ 842% |
| Financial income75/76B | €5,433 | €7,325 | €9,628 | €16,755 | - | - |
| Recurring financial income75 | €5,433 | €7,325 | €9,628 | €16,755 | - | - |
| Financial charges65/66B | €5,822 | €8,001 | €11,746 | €18,624 | €24,557 | ▲ 31.9% |
| Recurring financial charges65 | €5,822 | €8,001 | €11,746 | €18,624 | €24,557 | ▲ 31.9% |
| Profit (loss) for the period before taxes9903 | €25,407 | €30,538 | €82,186 | €15,846 | -€156,058 | ▼ 1,085% |
| Income taxes67/77 | - | - | €12,296 | - | - | - |
| Profit (loss) for the period9904 | €25,407 | €30,538 | €69,890 | €15,846 | -€156,058 | ▼ 1,085% |
| Profit (loss) for the period to be appropriated9905 | €25,407 | €30,538 | €69,890 | €15,846 | -€156,058 | ▼ 1,085% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €725,052 | €903,292 | €1.2m | €1.4m | €1.1m | ▼ 24.0% |
| Fixed assets21/28 | €591,762 | €612,979 | €629,067 | €896,979 | €801,632 | ▼ 10.6% |
| Tangible fixed assets22/27 | €591,762 | €612,979 | €629,067 | €896,979 | €801,632 | ▼ 10.6% |
| Land and buildings22 | €373,969 | €410,939 | €377,413 | €338,080 | €298,748 | ▼ 11.6% |
| Plant, machinery and equipment23 | €43,538 | €35,117 | €102,647 | €141,983 | €114,629 | ▼ 19.3% |
| Furniture and vehicles24 | €9,823 | €7,854 | €32,038 | €27,496 | €19,682 | ▼ 28.4% |
| Leasing and similar rights25 | €164,432 | €159,068 | €116,970 | €389,419 | €368,573 | ▼ 5.4% |
| Current assets29/58 | €133,290 | €290,313 | €612,805 | €551,293 | €298,602 | ▼ 45.8% |
| Stocks and contracts in progress3 | - | €20,386 | €11,066 | €24,200 | €29,000 | ▲ 19.8% |
| Stocks30/36 | - | €20,386 | €11,066 | €24,200 | €29,000 | ▲ 19.8% |
| Amounts receivable within one year40/41 | €29,117 | €196,300 | €494,011 | €363,897 | €260,884 | ▼ 28.3% |
| Trade receivables40 | €29,117 | €196,290 | €466,982 | €332,078 | €245,884 | ▼ 26.0% |
| Other amounts receivable41 | - | €10 | €27,029 | €31,819 | €15,000 | ▼ 52.9% |
| Cash at bank and in hand54/58 | €49,993 | €71,389 | €103,809 | €163,197 | - | - |
| Deferred charges and accrued income490/1 | €54,180 | €2,239 | €3,920 | - | €8,718 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €725,052 | €903,292 | €1.2m | €1.4m | €1.1m | ▼ 24.0% |
| Equity10/15 | €83,940 | €114,478 | €184,367 | €200,213 | €44,155 | ▼ 77.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €65,340 | €95,878 | €165,767 | €181,613 | €25,555 | ▼ 85.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €63,480 | €94,018 | €163,907 | €179,753 | €23,695 | ▼ 86.8% |
| Amounts payable17/49 | €641,112 | €788,815 | €1.1m | €1.2m | €1.1m | ▼ 15.4% |
| Amounts payable after more than one year17 | €374,749 | €428,083 | €371,676 | €566,352 | €491,702 | ▼ 13.2% |
| Financial debts170/4 | €374,749 | €428,083 | €371,676 | €566,352 | €491,702 | ▼ 13.2% |
| Amounts payable within one year42/48 | €242,321 | €360,731 | €685,829 | €680,829 | €564,376 | ▼ 17.1% |
| Current portion of amounts payable after more than one year42 | €45,188 | €58,730 | €56,407 | €93,091 | €98,943 | ▲ 6.3% |
| Trade debts44 | €169,127 | €280,386 | €617,851 | €572,086 | €456,839 | ▼ 20.1% |
| Suppliers440/4 | €169,127 | €280,386 | €617,851 | €572,086 | €456,839 | ▼ 20.1% |
| Taxes, remuneration and social security45 | €26,272 | €21,616 | €11,103 | €15,652 | €8,005 | ▼ 48.9% |
| Taxes450/3 | €26,272 | €21,616 | €11,103 | €15,652 | €8,005 | ▼ 48.9% |
| Other amounts payable47/48 | €1,735 | - | €469 | - | €589 | - |
| Accrued charges and deferred income492/3 | €24,042 | - | - | €878 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,407 | €30,538 | €69,890 | €15,846 | -€156,058 | ▼ 1,085% |
| + Depreciation and write-downs630 | €52,100 | €83,869 | €106,803 | €147,400 | €145,409 | ▼ 1.4% |
| Operating cash flow (approximation) | €77,506 | €114,406 | €176,693 | €163,246 | -€10,649 | ▼ 107% |
| Investment in fixed assets (approximation) | - | -€105,086 | -€122,892 | -€415,312 | -€50,062 | ▲ 87.9% |
| Change in cash | - | €21,396 | €32,420 | €59,388 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€156,058
Net result drops to -€156,058, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
31-12
Financial
Equity above €200,000Eq €200,213 ▲8.6%
5 profitable years in a row build equity to €200,213.
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €69,890 ▲129%
Operating result €84,303, net result €69,890, both a record.
31-12
Financial
Equity above €150,000Eq €184,367 ▲61.1%
4 profitable years in a row build equity to €184,367.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100,000Eq €114,478 ▲36.4%
3 profitable years in a row build equity to €114,478.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lubbeek · 1 establishment unit since 2019
Ground area
799 m²
Building footprint
108 m²
Parcel 24012A0063/00T000, Flanders. Linked by address, not a title deed.
1 establishment unit
Bouwonderneming Persoon
since 20192.285.718.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24012A0063/00T000 | Flanders | 799 m² | 1 · 108 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2024 · 1 entry · 117 EUR awarded · 117 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 117 EUR | 117 EUR |
Recognitions · licences · registrations
Recognised contractor
1 categoryBOUWONDERNEMING PERSOON BV44868
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Of 29,766 companies in this sector we hold annual accounts for 16,066. 12,984 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded21-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0720994961
Also
9925:BE0720994961
Registered
28-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.