BUILDING SERVICE
ActiveThe computed 12-month bankruptcy probability of BUILDING SERVICE is 1.8% (moderate). The 2025 annual accounts show equity of €5k and a net result of €-2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 27450 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-72
Solvency31▼-5
Growth44=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.05 against 1.07 in 2024; short-term debt: 93.6% and cash: 40.8% of total assets), and 93.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.4%
Return on assets
-3.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 27450 sector peers (2025).
NBB · sector comparisonPosition among 27450 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
29 d late
2022
25 d late
2021
30 d late
2020
60 d late
2019
126 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€241k▼ 2.1%
2018 · €246k
2018: €246k
2018 → 2019
EBIT margin
0.9%▼ 7.6pp
2018 · 8.5%
2018: 8.5%
2018 → 2019
Net result
€-2k
2024 · €18k
2018: €20k
2019: €1k
2020: €659
2021: €23k
2022: €11k
2023: €-25k
2024: €18k
2018 → 2025
Working capital
€4k▼ 8.5%
2024 · €4k
2018: €-22k
2019: €-16k
2020: €-31k
2021: €-8k
2022: €8k
2023: €-15k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€15k▲ 320%€-11k€7k€5k▼ 32.8%
Operating result€37k-€16k▼ 55.0%€-17k€30k€5k▼ 84.8%
Net result€23k-€11k▼ 51.0%€-25k€18k€-2k
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 85% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€1k▼ 63.8%
Current assets
€74k▲ 15.5%
Equity and liabilities €76k
Equity
€5k▼ 32.8%
Debt
€71k▲ 17.1%
The debt ratio rises from 89.3% to 93.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €34k
Cash flow
€-346▼
2024 · €22k
Solvency
6.4%▼
2024 · 10.7%
Current ratio
1.05▼
2024 · 1.07
Quick ratio
1.05▼
2024 · 1.07
Debt / equity
14.54▲
2024 · 8.34
ROE
-48.9%▼
2024 · 245.1%
ROA
-3.1%▼
2024 · 26.2%
Interest coverage
1.45▼
2024 · 5.84
Debt
€71k▲
2024 · €60k
Debt ≤ 1 year
€71k▲
2024 · €60k
Income taxes
€3k▼
2024 · €7k
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€68k€76k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€389-
Furniture and vehicles24€3k€1k▼
Current assets29/58€64k€74k▲
Amounts receivable within one year40/41€35k€39k▲
Trade receivables40€11k€30k▲
Other amounts receivable41€24k€9k▼
Cash at bank and in hand54/58€27k€31k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€68k€76k▲
Equity10/15€7k€5k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-12k€-14k▼
Amounts payable17/49€60k€71k▲
Amounts payable within one year42/48€60k€71k▲
Trade debts44€24k€21k▼
Suppliers440/4€24k€21k▼
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€8k€8k▼
Remuneration and social security454/9€8k€0▼
Other amounts payable47/48€21k€41k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€38k€8k▼
Operating profit (loss)9901€30k€5k▼
Financial income75/76B€19€362▲
Recurring financial income75€19€362▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€25k€379▼
Income taxes67/77€7k€3k▼
Profit (loss) for the period9904€18k€-2k▼
Profit (loss) for the period to be appropriated9905€18k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-14k▼
Profit (loss) brought forward from the previous period14P€-29k€-12k▲
The notes to these accounts (4 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-25k ▼326%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €23k ▲3326%
Operating result €37k, net result €23k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 126 days late
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 131 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2007
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.
Franz Gailliardstraat 51060 Sint-Gillis (bij-Brussel)Ground area
176 m²
Building footprint
175 m²
Volume, LiDAR
1,287 m³
Parcel 21562A0283/00N018, Brussels · tallest building 14.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Franz Gailliardstraat 5, 1060 Sint-Gillis (bij-Brussel)
since 20072.162.127.921
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0283/00N018 | Brussels | 176 m² | 1 · 175 m² | 14.2 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
SGT FRERES
BE 0789.625.035
Blégny · Eq €5k
KERABO
BE 0777.616.435
Hulshout · Eq €5k
TIDA
BE 0891.452.071
Putte · Eq €5k
ARTIDESIGN
BE 0766.430.949
Ottignies-Louvain-la-Neuve · Eq €5k
H&M PLAFONNAGE
BE 0771.360.430
Ecaussinnes · Eq €5k
Of 15,543 companies in sector 43990 we hold annual accounts for 7,421. 2,685 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2007
Fiscal year end31-12
Abbreviation FR
B S
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
43211General electrical installation work
43310Plastering work
43320Joinery installation
43350Other building finishing work
45310
45422
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.