Turnover
The abbreviated format states no turnover.
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).
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 09-11-2026 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).
In July 2024, 26,972 companies had the same profile as BPC Construct has now. Each dot stands for 68 companies, two years later.
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.
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.
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.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
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.
| 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.
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.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €370,000. Estimated: probably between €250,000 and €580,000.
Higher than 55% of 2,816 companies in 2025.
Higher than 52% of 2,745 companies in 2025.
Higher than 62% of 2,781 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half · Staff: middle half
Staff costs divided by the average number of full-time equivalents.
In 2025, 1 person joined and nobody left.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||
20/58 |
90,666 | 80,595 | 149,767 | 143,852 | 37,745 | 32,821 | |
21/28 |
6,619 | 25,488 | 45,437 | 63,924 | 30 | - | |
22/27 |
6,619 | 25,488 | 45,437 | 63,924 | - | - | |
23 |
806 | 1,969 | 4,210 | 4,989 | - | - | |
24 |
5,812 | 23,520 | 41,227 | 58,935 | - | - | |
28 |
- | - | - | 0 | 30 | - | |
29/58 |
84,047 | 55,106 | 104,331 | 79,928 | 37,715 | 32,821 | |
40/41 |
61,198 | 46,350 | 53,962 | 36,648 | 803 | 30,056 | |
40 |
52,279 | 38,494 | 45,043 | 34,069 | - | - | |
41 |
8,919 | 7,856 | 8,919 | 2,579 | 803 | 30,056 | |
54/58 |
14,528 | 2,913 | 44,784 | 39,200 | 10,066 | 2,765 | |
490/1 |
8,321 | 5,844 | 5,585 | 4,080 | 26,846 | - | |
| Balance sheet: equity and liabilities | |||||||
10/49 |
90,666 | 80,595 | 149,767 | 143,852 | 37,745 | 32,821 | |
10/15 |
39,378 | 32,980 | 53,082 | 45,738 | -28,734 | -30,097 | |
10/11 |
200 | 200 | 200 | 200 | 200 | - | |
11 |
- | - | - | - | - | 200 | |
1100/10 |
- | - | - | - | - | 200 | |
13 |
52,882 | 52,882 | 52,882 | 45,538 | - | - | |
133 |
52,882 | 52,882 | 52,882 | 45,538 | - | - | |
14 |
-13,704 | -20,101 | 0 | 0 | -28,934 | -30,297 | |
17/49 |
51,288 | 47,614 | 96,686 | 98,114 | 66,480 | 62,918 | |
42/48 |
51,139 | 47,015 | 96,557 | 97,010 | 66,429 | 62,918 | |
44 |
33,475 | 11,809 | 36,668 | 896 | 3,775 | 9,929 | |
440/4 |
33,475 | 11,809 | 36,668 | 896 | 3,775 | 9,929 | |
45 |
15,471 | 9,073 | 23,342 | 33,303 | 4,318 | 489 | |
450/3 |
7,530 | 2,046 | 11,105 | 28,002 | 348 | 489 | |
454/9 |
7,941 | 7,027 | 12,237 | 5,301 | 3,970 | - | |
47/48 |
2,193 | 26,133 | 36,547 | 62,812 | 58,336 | 52,500 | |
492/3 |
149 | 600 | 129 | 1,104 | 50 | - | |
| Income statement | |||||||
9900 |
104,463 | 58,867 | 99,873 | 168,741 | 53,746 | -29,439 | |
62 |
65,535 | 53,378 | 47,728 | 50,180 | 24,642 | - | |
630 |
18,870 | 19,949 | 19,927 | 13,171 | - | - | |
631/4 |
1,435 | - | - | - | - | - | |
640/8 |
1,639 | 2,313 | 2,955 | 958 | 492 | 50 | |
66A |
- | - | - | 0 | 26,797 | - | |
9901 |
16,985 | -16,772 | 29,262 | 104,432 | 1,815 | -29,489 | |
75/76B |
276 | 193 | 224 | 84 | 143 | 112 | |
75 |
276 | 193 | 224 | 84 | 143 | 112 | |
65/66B |
3,729 | 2,463 | 2,835 | 2,457 | 596 | 651 | |
65 |
3,729 | 2,463 | 2,835 | 2,457 | 596 | 651 | |
9903 |
13,533 | -19,042 | 26,651 | 102,058 | 1,362 | -30,029 | |
67/77 |
7,136 | 1,060 | 11,053 | 27,586 | 0 | 268 | |
9904 |
6,397 | -20,101 | 15,598 | 74,472 | 1,362 | -30,297 | |
9905 |
6,397 | -20,101 | 15,598 | 74,472 | 1,362 | -30,297 | |
| Appropriation of the result | |||||||
9906 |
-13,704 | -20,101 | 15,598 | 45,538 | -28,934 | -30,297 | |
14P |
-20,101 | - | 0 | -28,934 | - | - | |
691/2 |
- | 0 | 7,344 | 45,538 | - | - | |
6921 |
- | 0 | 7,344 | 45,538 | - | - | |
694/7 |
- | 0 | 8,254 | - | - | - | |
694 |
- | 0 | 8,254 | - | - | - | |
| Social balance sheet | |||||||
9087 |
1.3 | 1 | 1 | 1 | 0 | - | |
Hours worked1013 |
1,848 | 1,427 | 1,365 | 1,529 | 429 | - | |
| Document | |||||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 30-10-2025.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-03-2025 | abbreviated format | 30-10-2025 | 2025-00553571 | |
| 31-03-2024 | abbreviated format | 30-10-2024 | 2024-00522695 | |
| 31-03-2023 | abbreviated format | 26-10-2023 | 2023-00492569 | |
| 31-03-2022 | abbreviated format | 28-10-2022 | 2022-20475986 | |
| 31-03-2021 | abbreviated format | 30-09-2021 | 2021-70500552 | |
| 31-03-2020 | abbreviated format | 29-10-2020 | 2020-65300467 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| 35,855 | 3,177 | 49,189 | 117,603 | - | - | ||
| 25,267 | -153 | 35,525 | 87,643 | - | - | ||
| 0 | 0 | 1,440 | 77,095 | 30 | - | ||
| 11,615 | -41,872 | 5,584 | 29,134 | 7,302 | - | ||
| 32,908 | 8,092 | 7,773 | -17,082 | -28,714 | -30,097 | ||
| 43.4% | 40.9% | 35.4% | 31.8% | -76.1% | -91.7% | ||
| 1.64 | 1.17 | 1.08 | 0.82 | 0.57 | 0.52 | ||
| 1.30 | 1.44 | 1.82 | 2.15 | - | - | ||
| 16.2% | -60.9% | 29.4% | 162.8% | - | - | ||
| 7.1% | -24.9% | 10.4% | 51.8% | 3.6% | -92.3% | ||
| 9.62 | 1.29 | 17.35 | 47.86 | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-03-2025 | 31-03-2024 | 31-03-2023 | 31-03-2022 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 2 | 1 | 1 | 1 |
| full-time | 2 | 1 | 1 | 1 |
| part-time | 0 | 0 | 0 | 0 |
| in full-time equivalents | 2 | 1 | 1 | 1 |
| 1.3 | 1 | 1 | 1 | |
| On a permanent contract | 2 | 1 | 1 | 1 |
| Joined | 1 | - | - | - |
| Left | 0 | - | - | - |
Source: social balance sheet in the 2022 to 2025 annual accounts
| Item | 31-03-2025 | 31-03-2024 | 31-03-2023 | 31-03-2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | €1,440 | €77,095 |
| €18,870 | €19,949 | €19,927 | €13,171 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a profit of €16,985, after a loss of €16,772 in 2024.
Debt's share of the balance-sheet total falls from 59.1% to 56.6%. Equity and debt are higher.
BPC Construct has no parent and no holdings in its annual accounts. EL KADDOURI Samir is the only director.
| NYB GROUP
registered office since 15-02-2015 · founded in 2013 |
6.8 FTE (2025) 0515.988.728 |
| Maritime Assistance & Survey Services
registered office since 13-05-2019 · founded in 2019 |
total assets €19,265 (2025) 0726.692.623 |
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
BPC Construct was incorporated on 5 July 2019 as a private limited company.1 Since 2019, EL KADDOURI Samir has served as director.2 Total assets rose from €32,821 in 2020 to €90,666 in 2025 and headcount from 1 full-time equivalents in 2022 to 1.3 in 2025.3
| Establishment | Since | Unit number |
|---|---|---|
| Nieuwe Steenweg 11 registered office 9140 Temse | 05-07-2019 | 2.292.176.415 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 46008A0720/00W004 | 1,097 m² | 1 · 189 m² | 10.5 m · 2 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0729.844.331
If something looks wrong or is missing, please tell us.