Bouwwerken Simons
ActiveThe computed 12-month bankruptcy probability of Bouwwerken Simons is 1.7% (moderate). The 2025 annual accounts show equity of €49k and a net result of €30k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 37% of 7332 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
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+5
Solvency57▲+11
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 3.36 in 2024; short-term debt: 22.6% and cash: 55.7% of total assets), but 68.3% 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+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
Sector 41
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
31.7%
Return on assets
19.2%
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 25-02-2026, 156 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
156 d early
2024
44 d early
2023
100 d early
2022
61 d early
2021
131 d early
2020
75 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k▲ 154%
2024 · €19k
2020: €29k
2021: €34k
2022: €37k
2023: €57k
2024: €19k
2020 → 2025
Total assets
€155k▲ 71.0%
2024 · €91k
2020: €113k
2021: €83k
2022: €66k
2023: €114k
2024: €91k
2020 → 2025
Net result
€30k▲ 109%
2024 · €14k
2020: €24k
2021: €5k
2022: €3k
2023: €20k
2024: €14k
2020 → 2025
Working capital
€56k▲ 25.7%
2024 · €45k
2020: €2k
2021: €5k
2022: €17k
2023: €39k
2024: €45k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€37k▲ 9.0%€57k▲ 54.9%€19k▼ 66.3%€49k▲ 154%
Operating result€9k-€5k▼ 42.2%€26k▲ 410%€20k▼ 20.7%€44k▲ 116%
Net result€5k-€3k▼ 42.5%€20k▲ 567%€14k▼ 29.7%€30k▲ 109%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 116% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€63k▲ 139%
Current assets
€91k▲ 42.8%
Equity and liabilities €155k
Equity
€49k▲ 154%
Debt
€106k▲ 48.4%
The debt ratio falls from 78.7% to 68.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €35k
Cash flow
€40k▲
2024 · €29k
Solvency
31.7%▲
2024 · 21.3%
Current ratio
2.62▼
2024 · 3.36
Quick ratio
2.62▼
2024 · 3.36
Debt / equity
2.16▼
2024 · 3.70
ROE
60.7%▼
2024 · 73.8%
ROA
19.2%▲
2024 · 15.7%
Interest coverage
12.47▲
2024 · 10.93
Debt
€106k▲
2024 · €71k
Debt ≤ 1 year
€35k▲
2024 · €19k
Debt > 1 year
€69k▲
2024 · €52k
Income taxes
€10k▲
2024 · €4k
Staff costs
€51k▲
2024 · €51k
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€91k€155k▲
Fixed assets21/28€27k€63k▲
Tangible fixed assets22/27€27k€63k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€24k€59k▲
Current assets29/58€64k€91k▲
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40€147€0▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€57k€86k▲
Deferred charges and accrued income490/1€3k€602▼
Equity and liabilities
Total equity and liabilities10/49€91k€155k▲
Equity10/15€19k€49k▲
Contributions10/11€5k€5k=
Reserves13€14k€44k▲
Distributable reserves133€14k€44k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€71k€106k▲
Amounts payable after more than one year17€52k€69k▲
Financial debts170/4€18k€46k▲
Other amounts payable178/9€34k€23k▼
Amounts payable within one year42/48€19k€35k▲
Current portion of amounts payable after more than one year42€5k€14k▲
Trade debts44€11k€20k▲
Suppliers440/4€11k€20k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€1€0▼
Remuneration and social security454/9€3k€1k▼
Accrued charges and deferred income492/3€125€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€51k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€10k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€87k€106k▲
Operating profit (loss)9901€20k€44k▲
Financial income75/76B€1k€39▼
Recurring financial income75€1k€39▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€18k€39k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€14k€30k▲
Profit (loss) for the period to be appropriated9905€14k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€30k▲
Profit (loss) brought forward from the previous period14P€47€0▼
Transfer from equity791/2€52k€0▼
Transfer to equity691/2€14k€30k▲
To other reserves6921€14k€30k▲
Profit to be distributed694/7€52k€0▼
Return on contributions (dividend)694€52k€0▼
The notes to these accounts (12 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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €30k ▲109%
Operating result €44k, net result €30k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €3k ▼42.5%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Kalmthout · 1 establishment unit since 2019
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.
Bareelstraat (C) 72920 KalmthoutGround area
607 m²
Building footprint
232 m²
Volume, LiDAR
1,368 m³
2 parcels, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bouwwerken Simons
since 20192.294.414.640
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022F0001/00V070 | Flanders | 357 m² | 1 · 118 m² | 11.0 m · 2 fl. |
| 11023A0296/00M003 | Flanders | 250 m² | 1 · 114 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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BE 0478.791.901
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Meer Wonen
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CDGN
BE 0789.715.008
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BOUWWERKEN DEDIER GREGORY
BE 0744.582.787
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,063 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.