BOUWPROMO
ActiveBOUWPROMO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.07M and a net result of €1k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 56% of 4144 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-32
Solvency66=
Growth69▲+12
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.67 in 2024; short-term debt: 41.4% and cash: 12.8% of total assets), but 58.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
41.2%
Return on assets
0.1%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
38 d early
2023
5 d early
2022
31 d early
2021
31 d late
2020
8 d early
2019
2 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€3.47M▲ 32.2%
2024 · €2.63M
2022: €2.95M
2023: €2.25M
2024: €2.63M
2022 → 2025
EBIT margin
0.8%▼ 9.6pp
2024 · 10.4%
2022: 17.0%
2023: -5.1%
2024: 10.4%
2022 → 2025
Net result
€1k▼ 99.3%
2024 · €205k
2018: €-26k
2019: €-25k
2020: €-1k
2021: €87k
2022: €358k
2023: €-150k
2024: €205k
2018 → 2025
Working capital
€608k▼ 8.1%
2024 · €662k
2018: €400k
2019: €391k
2020: €395k
2021: €449k
2022: €773k
2023: €589k
2024: €662k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.95M€2.25M▼ 23.8%€2.63M▲ 17.0%€3.47M▲ 32.2%
Equity€645k-€1.00M▲ 55.6%€859k▼ 14.3%€1.06M▲ 23.9%€1.07M▲ 0.1%
Operating result€139k-€500k▲ 260%€-115k€274k€29k▼ 89.5%
Net result€87k-€358k▲ 311%€-150k€205k€1k▼ 99.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.59M
Fixed assets
€908k▼ 3.7%
Current assets
€1.68M▲ 1.9%
Equity and liabilities €2.59M
Equity
€1.07M▲ 0.1%
Provisions
€49k▼ 9.3%
Debt
€1.47M=
The debt ratio rises from 56.8% to 56.9%. Equity is higher.
Key figures and ratios
EBITDA
€125k▼
2024 · €374k
Cash flow
€98k▼
2024 · €306k
Solvency
41.2%▲
2024 · 41.1%
Current ratio
1.57▼
2024 · 1.67
Quick ratio
0.45▲
2024 · 0.32
Debt / equity
1.38▼
2024 · 1.38
ROE
0.1%▼
2024 · 19.3%
ROA
0.1%▼
2024 · 7.9%
Interest coverage
4.01▼
2024 · 11.56
Debt
€1.47M=
2024 · €1.47M
Debt ≤ 1 year
€1.07M▲
2024 · €985k
Debt > 1 year
€398k▼
2024 · €484k
Income taxes
€8k▼
2024 · €35k
Staff costs
€245k▼
2024 · €290k
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€2.59M€2.59M▼
Fixed assets21/28€943k€908k▼
Intangible fixed assets21€2k€0▼
Tangible fixed assets22/27€941k€908k▼
Land and buildings22€900k€882k▼
Plant, machinery and equipment23€7k€7k▲
Furniture and vehicles24€22k€13k▼
Leasing and similar rights25€12k€6k▼
Current assets29/58€1.65M€1.68M▲
Stocks and contracts in progress3€1.33M€1.20M▼
Stocks30/36€1.33M€1.20M▼
Goods purchased for resale34€1.33M€1.20M▼
Amounts receivable within one year40/41€162k€131k▼
Trade receivables40€38k€67k▲
Other amounts receivable41€123k€63k▼
Cash at bank and in hand54/58€153k€332k▲
Deferred charges and accrued income490/1€555€14k▲
Equity and liabilities
Total equity and liabilities10/49€2.59M€2.59M▼
Equity10/15€1.06M€1.07M▲
Contributions10/11€98k€98k=
Capital10€98k€98k=
Issued capital100€98k€98k=
Reserves13€967k€968k▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€163k€148k▼
Distributable reserves133€794k€811k▲
Provisions and deferred taxes16€54k€49k▼
Deferred taxes168€54k€49k▼
Amounts payable17/49€1.47M€1.47M=
Amounts payable after more than one year17€484k€398k▼
Financial debts170/4€479k€394k▼
Leasing and similar obligations172€5k€1k▼
Credit institutions173€474k€393k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€985k€1.07M▲
Current portion of amounts payable after more than one year42€84k€86k▲
Trade debts44€196k€258k▲
Suppliers440/4€196k€258k▲
Advances received on contracts in progress46€55k€54k▼
Taxes, remuneration and social security45€35k€46k▲
Taxes450/3€9k€9k▲
Remuneration and social security454/9€26k€37k▲
Other amounts payable47/48€615k€627k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Operating income70/76A€2.78M€3.64M▲
Turnover70€2.63M€3.47M▲
Other operating income74€150k€168k▲
Operating charges60/66A€2.50M€3.61M▲
Goods for resale, raw materials and consumables60€1.51M€2.53M▲
Purchases600/8€1.74M€2.40M▲
Change in stocks: decrease (increase)609€-223k€131k▲
Services and other goods61€572k€711k▲
Remuneration, social security and pensions62€290k€245k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€101k€96k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-138€0▲
Other operating charges640/8€27k€25k▼
Operating profit (loss)9901€274k€29k▼
Financial income75/76B€9k€20k▲
Recurring financial income75€9k€20k▲
Other financial income752/9€9k€20k▲
Financial charges65/66B€48k€45k▼
Recurring financial charges65€48k€45k▼
Debt charges650€32k€31k▼
Other financial charges652/9€16k€14k▼
Profit (loss) for the period before taxes9903€235k€4k▼
Transfer from deferred taxes780€5k€5k=
Income taxes67/77€35k€8k▼
Taxes670/3€35k€8k▼
Profit (loss) for the period9904€205k€1k▼
Transfer from tax-exempt reserves789€15k€15k=
Profit (loss) for the period to be appropriated9905€220k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€220k€17k▼
Transfer from equity791/2€0-
From reserves792€0-
Transfer to equity691/2€220k€17k▼
To other reserves6921€220k€17k▼
Social balance
Average headcount (FTE)90874.03.1▼
The notes to these accounts (61 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €205k
Net result €205k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.06M ▲23.9%
Equity rises from €859k to €1.06M.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-150k ▼142%
Net result drops to €-150k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €358k ▲311%
Operating result €500k, net result €358k, both a record.
31-12
Financial
Equity above €1MEq €1.00M ▲55.6%
2 profitable years in a row build equity to €1.00M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €87k
Net result €87k after 3 loss-making years.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Zele · 1 establishment unit since 1989
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.
Herderstraat 49240 ZeleGround area
7,663 m²
Building footprint
1.4 ha
Parcel 42028B0788/00S000, Flanders. Linked by address, not a title deed.
1 establishment unit
BOUWPROMO NV
since 19892.044.771.480
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42028B0788/00S000 | Flanders | 7,663 m² | 1 · 1.4 ha | - |
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.
Similar companies · same sector, comparable size
ALFA BELGIUM
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H.D.S.
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Flamant Design
BE 0778.407.182
Geraardsbergen · Eq €987k
ALZALUX
BE 0693.953.935
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Buggy - Cardelli
BE 0420.391.169
Bilzen-Hoeselt · Eq €899k
Of 1,045 companies in sector 47559 we hold annual accounts for 349. 147 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-08-1989
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
47559Retail sale of other household articles
47599Retail trade
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.