BPC Construct
ActiveSummary
The computed 12-month bankruptcy probability of BPC Construct is 2.0% (moderate). The 2025 annual accounts show equity of €39k and a net result of €6k. Equity is growing by ~38.4% per year across the filed fiscal years. Its solvency ranks better than 56% of 2179 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
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+67
Solvency68▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.17 in 2024; short-term debt: 56.4% and cash: 16% of total assets), but 56.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
5 d early
2022
3 d early
2021
31 d early
2020
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€39k▲ 19.4%
2024 · €33k
2020: €-30k
2021: €-29k
2022: €46k
2023: €53k
2024: €33k
2020 → 2025
Total assets
€91k▲ 12.5%
2024 · €81k
2020: €33k
2021: €38k
2022: €144k
2023: €150k
2024: €81k
2020 → 2025
Net result
€6k
2024 · €-20k
2020: €-30k
2021: €1k
2022: €74k
2023: €16k
2024: €-20k
2020 → 2025
Working capital
€33k▲ 307%
2024 · €8k
2020: €-30k
2021: €-29k
2022: €-17k
2023: €8k
2024: €8k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-29k-€46k€53k▲ 16.1%€33k▼ 37.9%€39k▲ 19.4%
Operating result€2k-€104k▲ 5,653%€29k▼ 72.0%€-17k€17k
Net result€1k-€74k▲ 5,367%€16k▼ 79.1%€-20k€6k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€7k ▼ 74.0%
Current assets
€84k ▲ 52.5%
Equity and liabilities €91k
Equity
€39k ▲ 19.4%
Debt
€51k ▲ 7.7%
Debt's share of the balance-sheet total falls from 59.1% to 56.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2024 · €3k
Cash flow
€25k▲
2024 · €-153
Current ratio
1.64▲
2024 · 1.17
Debt to equity
1.30▼
2024 · 1.44
ROE
16.2%▲
2024 · -60.9%
ROA
7.1%▲
2024 · -24.9%
Interest coverage
9.62▲
2024 · 1.29
Debt ≤ 1 year
€51k▲
2024 · €47k
Income taxes
€7k▲
2024 · €1k
Staff costs
€66k▲
2024 · €53k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€81k€91k▲
Fixed assets21/28€25k€7k▼
Tangible fixed assets22/27€25k€7k▼
Plant, machinery and equipment23€2k€806▼
Furniture and vehicles24€24k€6k▼
Current assets29/58€55k€84k▲
Amounts receivable within one year40/41€46k€61k▲
Trade receivables40€38k€52k▲
Other amounts receivable41€8k€9k▲
Cash at bank and in hand54/58€3k€15k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€81k€91k▲
Equity10/15€33k€39k▲
Contributions10/11€200€200=
Reserves13€53k€53k=
Distributable reserves133€53k€53k=
Profit (loss) carried forward14€-20k€-14k▲
Amounts payable17/49€48k€51k▲
Amounts payable within one year42/48€47k€51k▲
Trade debts44€12k€33k▲
Suppliers440/4€12k€33k▲
Taxes, remuneration and social security45€9k€15k▲
Taxes450/3€2k€8k▲
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€26k€2k▼
Accrued charges and deferred income492/3€600€149▼
Income statement
Code20242025
Remuneration, social security and pensions62€53k€66k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€1k
Other operating charges640/8€2k€2k▼
Gross operating margin9900€59k€104k▲
Operating profit (loss)9901€-17k€17k▲
Financial income75/76B€193€276▲
Recurring financial income75€193€276▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€-19k€14k▲
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€-20k€6k▲
Profit (loss) for the period to be appropriated9905€-20k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-14k▲
Profit (loss) brought forward from the previous period14P-€-20k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90871.01.3▲
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Highest result since 2020net €74k ▲5367%
Operating result €104k, net result €74k, both a record.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
2020
29-10
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.
Directors · office · real estate
Directors
3 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, Temse · 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.
Nieuwe Steenweg 119140 TemseGround area
1,097 m²
Building footprint
189 m²
Volume, LiDAR
1,134 m³
Parcel 46008A0720/00W004, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BPC Construct
since 20192.292.176.415
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46008A0720/00W004 | Flanders | 1,097 m² | 1 · 189 m² | 10.5 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.
Similar companies · same sector, comparable size
GIRARD-LAHON CONSTRUCTION
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BREUGEL CONCEPT
BE 0820.549.031
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ANTONIA CONSTRUCT
BE 0777.576.942
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PAGIM
BE 0755.950.197
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,848 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2019
Fiscal year end31-03
Activities, NACEBEL 2025
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
Scores and ratios are computed by Checked and are not a credit decision.