Losses
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
About 2 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 (no NACE code, micro). It does better than 59% of them on solvency, 79% on liquidity, 4% on profitability and 14% 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 31-12-2025.
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, 3,223 companies had the same profile as BuildPro has now. Each dot stands for 9 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BuildPro itself: 1.9% within 12 months.
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 3,223 companies, not a prediction for BuildPro. 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.
The balance sheet total is too small for a liquidity verdict.
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 2 accounts on average 61 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
The computed 12-month bankruptcy probability of BuildPro is 1.9% (moderate). The 2025 annual accounts show equity of €2,538 and a net result of -€970.
The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
3,604 | 20,015 | |
29/58 |
3,604 | 20,015 | |
40/41 |
- | 16,095 | |
40 |
- | 15,932 | |
41 |
- | 162 | |
54/58 |
3,604 | 3,166 | |
490/1 |
- | 754 | |
| Balance sheet: equity and liabilities | |||
10/49 |
3,604 | 20,015 | |
10/15 |
2,538 | 3,508 | |
10/11 |
5,000 | 5,000 | |
14 |
-2,462 | -1,492 | |
17/49 |
1,066 | 16,507 | |
42/48 |
1,066 | 16,507 | |
44 |
66 | 16,507 | |
440/4 |
66 | 16,507 | |
47/48 |
1,000 | - | |
| Income statement | |||
70 |
- | 36,612 | |
9900 |
-820 | -1,492 | |
60/61 |
- | 38,104 | |
640/8 |
120 | - | |
9901 |
-940 | -1,492 | |
65/66B |
30 | - | |
65 |
30 | - | |
9903 |
-970 | -1,492 | |
9904 |
-970 | -1,492 | |
9905 |
-970 | -1,492 | |
| Appropriation of the result | |||
9906 |
-2,462 | -1,492 | |
14P |
-1,492 | - | |
| Document | |||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-10-2026.
2025 annual accounts filed 91 days after the deadline. Filed on 30 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00596998.
| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 438 | - | ||
| 2,538 | 3,508 | ||
| - | -4.1% | ||
| - | 17.5% | ||
| - | 1.21 | ||
| - | 4.71 | ||
| - | -42.5% | ||
| - | -7.5% | ||
| - | 159 days | ||
| - | 158 days |
The ratios are withheld because a balance sheet total of €3,604 is too small for a meaningful ratio.
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.
The operating result for 2025 is a loss of €940, smaller than the loss of €1,492 in 2024.
Debt's share of the balance-sheet total falls from 82.5% to 29.6%. Equity and debt are lower.
BuildPro has no parent and no holdings in its annual accounts.
| GIGANT
registered office since 01-01-1978 · founded in 1977 · accounts filed late |
2.5 FTE (2024) 0417.963.201 |
| Sweet Chocolate Sensations
registered office since 01-03-2016 · founded in 2016 |
2.3 FTE (2025) 0649.532.190 |
| West M
registered office since 27-01-2021 · founded in 2021 |
total assets €1.1m (2025) 0762.536.202 |
| Proxaccount
registered office since 01-02-2022 · founded in 2016 |
total assets €471,514 (2025) 0667.817.482 |
| ROELS – GÜHNEN
registered office since 01-02-2020 · founded in 2020 · accounts filed late |
total assets €300,815 (2024) 0742.793.831 |
| NEPTUNUS
registered office since 26-02-1999 · founded in 1998 |
total assets €285,440 (2025) 0464.801.432 |
| ROELS
registered office since 13-12-2001 · founded in 2001 · accounts filed late |
total assets €216,224 (2024) 0475.724.127 |
| Dr. Charlotte van den Bosch, neuroloog
registered office since 10-11-2022 · founded in 2022 |
total assets €167,439 (2025) 0793.476.727 |
| Jumbo
registered office since 01-02-1985 · founded in 1984 · accounts filed late |
total assets €113,373 (2024) 0426.962.425 |
| JIVO
establishment since 06-12-2022 · founded in 2017 · accounts filed late |
total assets €91,809 (2024) 0673.859.790 |
| BAULT via VAN GESTEL PROJECTS, no longer at BAULT · Director · deed of 30-06-2023 No longer active |
total assets €107,563 (2024) |
The network starts from the earlier ties.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Antwerpsesteenweg 338A registered office 2390 Malle 68121 Development of residential building projects | 01-04-2024 | 2.358.841.941 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11049A0792/00A000 | 5,267 m² | 1 · 927 m² | 3.4 m |
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