Turnover
≈ €370,000 estimated
The abbreviated format states no turnover.
BPC Construct
Lifetime
6 annual accounts with figures on one time axispeak €168,741 (2022)
€104,463▲ 77.5%
lowest -€30,297 (2020)
€6,397▲ €26,498
peak €53,082 (2023)
€39,378▲ 19.4%
€51,288▲ 7.7%
peak 1.3 FTE (2025)
1.3 FTE▲ 30.0%
Board3 names since 2019
1 directorEL KADDOURI Samir
Documentsfilings and deeds
30-10-20251 day before the deadline
2025abbreviated format
Gross margin from €58,867 to €104,463Back to profit: €6,397Staff from 1 FTE to 1.3 FTEEquity from €32,980 to €39,378Cash from €2,913 to €14,528
Key points
from the 2025 annual accountsChecked score
53
Fair
Financially stronger than 52% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.7%
01-2025: 3.7%● unchanged vs 12-2024
02-2025: 3.8%▲ +0.1 percentage points vs 01-2025
03-2025: 3.7%▼ -0.1 percentage points vs 02-2025
04-2025: 3.7%● unchanged vs 03-2025
05-2025: 3.7%● unchanged vs 04-2025
06-2025: 3.8%▲ +0.1 percentage points vs 05-2025
07-2025: 4.0%▲ +0.2 percentage points vs 06-2025
08-2025: 4.1%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 4.1%● unchanged vs 08-2025
10-2025: 3.7%▼ -0.4 percentage points vs 09-2025
11-2025: 1.3%▼ -2.4 percentage points vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.3%● unchanged vs 12-2025
02-2026: 1.3%● unchanged vs 01-2026
03-2026: 1.3%● unchanged vs 02-2026
04-2026: 1.3%● unchanged vs 03-2026lowest value
05-2026: 1.3%● unchanged vs 04-2026lowest value
06-2026: 1.3%● unchanged vs 05-2026lowest value
07-2026: 1.5%▲ +0.2 percentage points vs 06-2026
08-2026: 1.5%● unchanged vs 07-2026
09-2026: 1.6%▲ +0.1 percentage points vs 08-2026
10-2026: 2.0%▲ +0.4 percentage points vs 09-2026
11-2026: 2.5%▲ +0.5 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: 1.3 FTE, total assets €90,666
Founded in 2019
Figures for financial year 2025 (filed on 30-10-2025)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 51% of them on solvency, 38% on liquidity, 57% on profitability and 64% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as BPC Construct has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BPC Construct itself is higher: 2.5% within 12 months. It rests on far more data about BPC Construct than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for BPC Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.64 (1.17 in 2024), above the usual 1.5. Short-term debt is 56.4% and cash 16% of total assets. However, 56.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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
2026
not filed
2025
1 day early
2024
1 day early
2023
5 days early
2022
3 days early
2021
31 days early
2020
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 7 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (1)
Board and ownership
- EL KADDOURI Samir founderdeed of 09-07-2019
- DE KEYSER Glenn Maria François founderdeed of 09-07-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0729844331
Appointments: Karim El Kaddouri (day-to-day manager) and Farid El Kaddouri (day-to-day manager)
Board meeting of 30-04-2021 · Gazette deed
Purpose change · Amendment of the articles
“Het plaatsen van ijzerwerk – metalen luiken; Het bouwen van stellingen, alsmede invoegen en reinigen van…” (deed in Dutch) · Gazette deed
Incorporation
Founders: EL KADDOURI Samir and DE KEYSER Glenn Maria François · 100 shares · Appointment: EL KADDOURI Samir (director) · published on 09-07-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BPC Construct Temse | €90,666 | €104,463 | 43.4% | 1.3 |
| VierD Ghent | €114,918 | €104,365 | 6.1% | 1.3 |
| Reli Construction Merelbeke-Melle | €113,417 | €67,308 | 79.7% | 1 |
| VANGRIMDE Linter | €113,534 | €130,368 | 4.2% | 1.9 |
| Expertise en Building Consulting and Execution Ninove | €144,009 | €100,851 | 25.9% | 0.5 |
| Bouwwerken Dimitrie Ballieu Zedelgem | €155,196 | €80,406 | 29.9% | 0.8 |
| TILBO PROJECTS Beringen | €167,857 | €91,079 | 80.3% | 1.3 |
These companies have the same main activity as BPC Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €113,000 and €168,000, founded between 2016 and 2021.
Official details
Source: KBO- Status
- Active since 05-07-2019Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 2 others
- Joint committee
- 149.01Electricians: installation and distribution · annual accounts 31-03-2025
- Establishment unit
- 2.292.176.4159140 Temse, since 05-07-2019
- Financial year end
- 31 March
- Peppol
- Reachable since 05-07-2025
Annual accounts to 31-03-2025
- €90,666▲ 12.5%
- Employeeson 31-03-2025
- 2▲ 100%
- Filing
- Filed on 30-10-2025
Insights on BPC Construct
BPC Construct files the abbreviated format. That format states no turnover. The gross margin rose from -€29,439 in 2020 to €104,463 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BPC Construct
- What is the company number of BPC Construct?
- The company number of BPC Construct is 0729.844.331. The VAT number is the same number with BE in front: BE 0729.844.331.
- Where is BPC Construct based?
- The registered office is at Nieuwe Steenweg 11, 9140 Temse.Company details
- What does BPC Construct do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of BPC Construct?
- BPC Construct is a private limited company (BV).
- When was BPC Construct founded?
- BPC Construct was founded on 05-07-2019.
- Is BPC Construct still active?
- Yes, BPC Construct is an active enterprise in the KBO register.
- How many employees does BPC Construct have?
- BPC Construct had an average of 1.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does BPC Construct fall under?
- In its 31-03-2025 annual accounts, BPC Construct states joint committee 149.01 (Electricians: installation and distribution).
- What is the turnover of BPC Construct?
- The turnover in financial year 2025 is ≈ €370,000. This figure is estimated from the gross margin of €104,463 and 126 comparable companies (NACE 41001). It probably lies between €250,000 and €580,000.
- Is BPC Construct profitable?
- In financial year 2025, BPC Construct made a profit of €6,397.
- Where can I find the annual accounts of BPC Construct?
- BPC Construct filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
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