Debts
€63,087 81% of the balance sheet
Suppliers 12%Taxes and wages 13%Other 74%
Of this, €26,743 falls due within a year.
BTM CONSTRUCT
Lifetime
1 annual account with figurespeak €17,061 (2026)
€17,061
peak €11,488 (2026)
€11,488
peak €14,488 (2026)
€14,488
€63,087
Board3 names since 2025
3 directorsBEYRIBEY Ertaç and 2 others
Documentsfilings and deeds
30-09-2026123 days before the deadline
2026micro format
Registered office moved from Charleroi to Overijse 07-09First year with figures
Key points
from the 2026 annual accountsAt the same address
313 companies
Position in the sector
18.7%
Lower solvency than 84% of companies in construction of buildings. Sector median 52.4% · 347 companies.
Checked score
38
Weak
Financially stronger than 61% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.1% Elevated
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 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Financial strengthStrong
Score breakdown
raises risk
2 changes of registered office in 24 months
Founded in 2025
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 2.64, cash €45,197
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 25% of them on solvency, 87% on liquidity and 71% on profitability.
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 30-06-2026.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 2,390 companies had the same profile as BTM CONSTRUCT has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BTM CONSTRUCT itself is higher: 6.1% within 12 months. It rests on far more data about BTM 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 2,390 companies, not a prediction for BTM 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 €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is ample, with a current ratio of 2.64, above the usual 1.5. Short-term debt is 34.5% and cash 58.3% of total assets. However, 81.3% 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
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 347 sector peers (2026).
NBB · sector comparisonPosition among 347 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 30-09-2026, 123 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2026
123 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- MUSAYEV Tamerlan 100 sharesdeed of 13-10-2025
- TSORMAEV Aslanbek Issaevitch 100 sharesdeed of 13-10-2025
- BEYRIBEY Ertaç 100 sharesdeed of 13-10-2025
Recent changes
Registered office moved from Charleroi to Overijse
New registered office: Brusselsesteenweg 292, 3090 Overijse · Previous registered office: Rue de Couillet 138, 6001 Charleroi (Marcinelle) · General meeting of 28-08-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1028921857
Incorporation
Founding capital of €3,000, 300 shares · Founders: MUSAYEV Tamerlan, TSORMAEV Aslanbek Issaevitch and BEYRIBEY Ertaç · Appointments: MUSAYEV Tamerlan, TSORMAEV Aslanbek Issaevitch and BEYRIBEY Ertaç · published on 13-10-2025 · Gazette deed
First establishment
Rue de la Marine 13, Charleroi
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BTM CONSTRUCT Overijse | €77,575 | €17,061 | 18.7% | - |
| BI CONSTRUCT Sint-Pieters-Leeuw | €67,305 | €19,612 | 23.5% | - |
| MN Business Construct Sint-Pieters-Leeuw | €107,471 | €19,592 | 14.5% | - |
| NADET Zaventem | €74,671 | €14,656 | 27.4% | - |
| ZOD GROUP Zaventem | €57,358 | €20,849 | -11.6% | - |
| Poswiatny Renovation Roosdaal | €68,766 | €21,378 | 5.7% | - |
| DMPA Renovation Sint-Pieters-Leeuw | €72,573 | €25,019 | 25.5% | - |
These companies have the same main activity as BTM CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €57,400 and €107,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 09-10-2025Normal situation
- Registered office
- 314 active companies are registered at this address35 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.390.406.3356040 Charleroi, since 09-10-2025
- Financial year end
- 30 June
- Peppol
- Reachable since 16-01-2026
Annual accounts to 30-06-2026
- ≈ €210,000estimated
- €77,575
- Filing
- Filed on 30-09-2026, 123 days before the end of the filing period
Insights on BTM CONSTRUCT
The computed 12-month bankruptcy probability of BTM CONSTRUCT is 6.1% (elevated). The 2026 annual accounts show equity of €14,488 and a net result of €11,488.
Its solvency ranks better than 16% of 347 sector peers (NACE 41, financial year 2026). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
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 BTM CONSTRUCT
- What is the company number of BTM CONSTRUCT?
- The company number of BTM CONSTRUCT is 1028.921.857. The VAT number is the same number with BE in front: BE 1028.921.857.
- Where is BTM CONSTRUCT based?
- The registered office is at Brusselsesteenweg 292, 3090 Overijse.Company details
- What does BTM CONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of BTM CONSTRUCT?
- BTM CONSTRUCT is a private limited company (BV).
- When was BTM CONSTRUCT founded?
- BTM CONSTRUCT was founded on 09-10-2025.
- Is BTM CONSTRUCT still active?
- Yes, BTM CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of BTM CONSTRUCT?
- The turnover in financial year 2026 is ≈ €210,000. This figure is estimated from the gross margin of €17,061 and 263 comparable companies (NACE 41001). It probably lies between €110,000 and €370,000. It is a rough estimate.Financials
- Is BTM CONSTRUCT profitable?
- In financial year 2026, BTM CONSTRUCT made a profit of €11,488.
- Where can I find the annual accounts of BTM CONSTRUCT?
- BTM CONSTRUCT filed 1 annual account with the National Bank of Belgium, for financial year 2026.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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