BOUWPASS
ActiveBOUWPASS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €-1k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 22% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-21
Solvency38▼-24
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
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
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
13.4%
Return on assets
-6.2%
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 22% of 7740 sector peers (2025).
NBB · sector comparisonPosition among 7740 sector peers
Solvency
better than 22%
← 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 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
25 d late
2023
61 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 31.6%
2024 · €4k
2023: €2k
2024: €4k
2023 → 2025
Total assets
€18k▲ 88.3%
2024 · €10k
2023: €16k
2024: €10k
2023 → 2025
Net result
€-1k
2024 · €1k
2023: €-13
2024: €1k
2023 → 2025
Working capital
€1k▲ 35.2%
2024 · €921
2023: €-799
2024: €921
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€2k-€4k▲ 42.5%€2k▼ 31.6%
Operating result€1k-€2k▲ 43.0%€-360
Net result€-13-€1k€-1k
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 €360 after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18k
Fixed assets
€1k▼ 55.1%
Current assets
€17k▲ 142%
Equity and liabilities €18k
Equity
€2k▼ 31.6%
Debt
€16k▲ 158%
The debt ratio rises from 63.1% to 86.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€1k▼
2024 · €5k
Cash flow
€324▼
2024 · €4k
Solvency
13.4%▼
2024 · 36.9%
Current ratio
1.08▼
2024 · 1.15
Quick ratio
1.08▼
2024 · 1.15
Debt / equity
6.47▲
2024 · 1.71
ROE
-46.3%▼
2024 · 29.8%
ROA
-6.2%▼
2024 · 11.0%
Interest coverage
15.42▼
2024 · 56.12
Debt
€16k▲
2024 · €6k
Debt ≤ 1 year
€16k▲
2024 · €6k
Income taxes
€691▼
2024 · €783
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€10k€18k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€7k€17k▲
Amounts receivable within one year40/41€1k€4k▲
Trade receivables40€1k€4k▲
Other amounts receivable41€17€0▼
Cash at bank and in hand54/58€6k€12k▲
Deferred charges and accrued income490/1€141€393▲
Equity and liabilities
Total equity and liabilities10/49€10k€18k▲
Equity10/15€4k€2k▼
Contributions10/11€3k€3k=
Reserves13€1k€0▼
Distributable reserves133€1k€0▼
Profit (loss) carried forward14€0€-78▼
Amounts payable17/49€6k€16k▲
Amounts payable within one year42/48€6k€16k▲
Trade debts44€106€3k▲
Suppliers440/4€106€3k▲
Taxes, remuneration and social security45€29€3k▲
Taxes450/3€29€3k▲
Other amounts payable47/48€6k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€6k€2k▼
Operating profit (loss)9901€2k€-360▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€83€70▼
Recurring financial charges65€83€70▼
Profit (loss) for the period before taxes9903€2k€-430▼
Income taxes67/77€783€691▼
Profit (loss) for the period9904€1k€-1k▼
Profit (loss) for the period to be appropriated9905€1k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-1k▼
Profit (loss) brought forward from the previous period14P€-13€0▲
Transfer from equity791/2-€1k
Transfer to equity691/2€1k€0▼
To the legal reserve6920€1k€0▼
The notes to these accounts (13 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-1k ▼206%
Net result drops to €-1k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 1 establishment unit since 2022
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.
Rozemarijnstraat 829000 GentGround area
225 m²
Building footprint
96 m²
Volume, LiDAR
651 m³
Parcel 44806F0529/00L002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOUWPASS
since 20222.329.738.377
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44806F0529/00L002 | Flanders | 225 m² | 1 · 96 m² | 10.6 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.
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BE 1024.075.421
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TRIROCK
BE 1031.108.317
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BCH Consult
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 1,994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.