BUILDING + CONSULTING
ActiveBUILDING + CONSULTING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €71k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency34▼-35
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.74 in 2024; short-term debt: 91.2% and cash: 26.1% of total assets), and 91.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
8.8%
Return on assets
29.2%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9388 sector peers (2025).
NBB · sector comparisonPosition among 9388 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-02-2026, 73 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
73 d early
2024
2 d early
2023
8 d early
2022
3 d early
2021
5 d early
2020
on the day
2019
13 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 83.1%
2024 · €127k
2018: €71k
2019: €128k
2020: €113k
2021: €144k
2022: €219k
2023: €168k
2024: €127k
2018 → 2025
Total assets
€245k▼ 15.5%
2024 · €290k
2018: €150k
2019: €181k
2020: €208k
2021: €171k
2022: €290k
2023: €343k
2024: €290k
2018 → 2025
Net result
€71k▼ 25.5%
2024 · €96k
2018: €31k
2019: €57k
2020: €69k
2021: €31k
2022: €76k
2023: €88k
2024: €96k
2018 → 2025
Working capital
€17k▼ 86.3%
2024 · €121k
2018: €38k
2019: €124k
2020: €101k
2021: €135k
2022: €208k
2023: €160k
2024: €121k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€219k▲ 52.1%€168k▼ 23.1%€127k▼ 24.5%€21k▼ 83.1%
Operating result€45k-€105k▲ 135%€110k▲ 4.7%€123k▲ 11.0%€95k▼ 22.7%
Net result€31k-€76k▲ 141%€88k▲ 16.5%€96k▲ 8.7%€71k▼ 25.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €245k
Fixed assets
€5k▼ 22.5%
Current assets
€240k▼ 15.4%
Equity and liabilities €245k
Equity
€21k▼ 83.1%
Debt
€223k▲ 37.2%
The debt ratio rises from 56.1% to 91.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€98k▼
2024 · €125k
Cash flow
€74k▼
2024 · €98k
Solvency
8.8%▼
2024 · 43.9%
Current ratio
1.07▼
2024 · 1.74
Quick ratio
1.07▼
2024 · 1.74
Debt / equity
10.38▲
2024 · 1.28
ROE
332.2%▲
2024 · 75.5%
ROA
29.2%▼
2024 · 33.1%
Interest coverage
18.58▼
2024 · 24.93
Debt
€223k▲
2024 · €163k
Debt ≤ 1 year
€223k▲
2024 · €163k
Income taxes
€21k▼
2024 · €27k
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€290k€245k▼
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€283k€240k▼
Amounts receivable after more than one year29€170k€170k=
Other amounts receivable291€170k€170k=
Amounts receivable within one year40/41€34k€1k▼
Trade receivables40€17k€1k▼
Other amounts receivable41€17k-
Cash at bank and in hand54/58€76k€64k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€290k€245k▼
Equity10/15€127k€21k▼
Contributions10/11€20k€20k=
Reserves13€107k€1k▼
Tax-exempt reserves132€1k€1k=
Distributable reserves133€105k-
Amounts payable17/49€163k€223k▲
Amounts payable within one year42/48€163k€223k▲
Current portion of amounts payable after more than one year42€8k-
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€14k€13k▼
Taxes450/3€14k€13k▼
Other amounts payable47/48€137k€200k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€925▼
Gross operating margin9900€127k€98k▼
Operating profit (loss)9901€123k€95k▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€123k€92k▼
Income taxes67/77€27k€21k▼
Profit (loss) for the period9904€96k€71k▼
Profit (loss) for the period to be appropriated9905€96k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€71k▼
Transfer from equity791/2€41k€105k▲
Profit to be distributed694/7€137k€177k▲
Return on contributions (dividend)694€137k€177k▲
The notes to these accounts (8 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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €96k ▲8.7%
Operating result €123k, net result €96k, both a record.
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €200kEq €219k ▲52.1%
5 profitable years in a row build equity to €219k.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity triplescurrent ratio 5.97
Current ratio from 2.08 to 5.97; short-term debt falls from €94k to €27k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100kEq €128k ▲80.4%
2 profitable years in a row build equity to €128k.
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Geraardsbergen · 1 establishment unit since 2016
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.
Nuchten(Ide) 539506 GeraardsbergenGround area
580 m²
Building footprint
75 m²
Volume, LiDAR
1 m³
Parcel 41031B0119/00E000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
BUILDING + CONSULTING
since 20162.258.246.805
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41031B0119/00E000 | Flanders | 580 m² | 1 · 75 m² | 0.1 m |
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
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MULTIPROFESSIONELE ARCHITECTEN-VENNOOTSCHAP BURO A&S DEMASURE DIRK
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3DHO
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Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 4,565 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2016
Fiscal year end30-09
Activities, NACEBEL
71111Activities of building architects
41001General construction of residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.