BuildTrade
ActiveSummary
BuildTrade has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €88,073 and a net result of €5,836. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 15872 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability71▼-11
Solvency58▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.95 in 2023; short-term debt: 31.1% and cash: 2.7% of total assets), and 67% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
33%
Return on assets
2.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
6 d early
2023
30 d early
2022
33 d early
2021
44 d early
2020
46 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€88,073▲ 7.1%
2023 · €82,236
Total assets
€267,042▼ 6.3%
2023 · €285,133
Net result
€5,836▼ 80.3%
2023 · €29,674
Working capital
-€19,110▼ 554%
2023 · -€2,923
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€44,886▲ 6.7%€37,229▼ 17.1%€11,285▼ 69.7%€48,987▲ 334%€15,917▼ 67.5%
Net result€31,322above the sector's middle half▲ 3.9%€24,172within the sector's middle half▼ 22.8%€5,084within the sector's middle half▼ 79.0%€29,674above the sector's middle half▲ 484%€5,836within the sector's middle half▼ 80.3%
Equity€34,606within the sector's middle half▲ 119%€56,678within the sector's middle half▲ 63.8%€60,262within the sector's middle half▲ 6.3%€82,236within the sector's middle half▲ 36.5%€88,073within the sector's middle half▲ 7.1%
Total assets€71,569within the sector's middle half▲ 28.3%€75,162within the sector's middle half▲ 5.0%€180,143within the sector's middle half▲ 140%€285,133within the sector's middle half▲ 58.3%€267,042within the sector's middle half▼ 6.3%
Debt€36,963▼ 7.6%€18,484▼ 50.0%€119,881▲ 549%€202,897▲ 69.2%€178,969▼ 11.8%
Working capital€30,664within the sector's middle half▲ 198%€48,584within the sector's middle half▲ 58.4%€26,061within the sector's middle half▼ 46.4%-€2,923within the sector's middle half-€19,110below the sector's middle half▼ 554%
Solvency48.4%within the sector's middle half▲ 20.1pp75.4%above the sector's middle half▲ 27.1pp33.5%within the sector's middle half▼ 42.0pp28.8%within the sector's middle half▼ 4.6pp33.0%within the sector's middle half▲ 4.1pp
Current ratio1.83within the sector's middle half▲ 0.573.63above the sector's middle half▲ 1.801.67within the sector's middle half▼ 1.960.95within the sector's middle half▼ 0.720.77below the sector's middle half▼ 0.18
Return on assets (ROA)43.8%above the sector's middle half▼ 10.3pp32.2%above the sector's middle half▼ 11.6pp2.8%within the sector's middle half▼ 29.3pp10.4%within the sector's middle half▲ 7.6pp2.2%within the sector's middle half▼ 8.2pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
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 2024; 2024 is 68% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €267,042
Fixed assets
€203,111 ▼ 9.2%
Current assets
€63,931 ▲ 3.9%
Equity and liabilities €267,042
Equity
€88,073 ▲ 7.1%
Debt
€178,969 ▼ 11.8%
Debt's share of the balance-sheet total falls from 71.2% to 67.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43,151▼
2023 · €61,559
Cash flow
€33,071▼
2023 · €42,246
Debt to equity
2.03▼
2023 · 2.47
ROE
6.6%▼
2023 · 36.1%
Interest coverage
8.15▼
2023 · 21.45
Debt ≤ 1 year
€83,041▲
2023 · €64,428
Debt > 1 year
€95,713▼
2023 · €137,425
Income taxes
€5,969▼
2023 · €15,701
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €18,370 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,551 | €2,476 | €10,769 | €12,572 | €27,235 | ▲ 117% |
| Other operating charges640/8 | - | €468 | €845 | €2,920 | €1,698 | ▼ 41.8% |
| Non-recurring operating charges66A | - | - | €62 | - | - | - |
| Gross operating margin9900 | €47,781 | €40,173 | €22,961 | €64,479 | €44,850 | ▼ 30.4% |
| Operating profit (loss)9901 | €44,886 | €37,229 | €11,285 | €48,987 | €15,917 | ▼ 67.5% |
| Financial income75/76B | - | €45 | - | - | €1,185 | - |
| Recurring financial income75 | €549 | €45 | - | - | €1,185 | - |
| Financial charges65/66B | - | €305 | €1,900 | €3,612 | €5,296 | ▲ 46.6% |
| Recurring financial charges65 | €283 | €305 | €1,900 | €2,870 | €5,296 | ▲ 84.5% |
| Non-recurring financial charges66B | - | - | - | €742 | - | - |
| Profit (loss) for the period before taxes9903 | €45,152 | €36,969 | €9,385 | €45,375 | €11,805 | ▼ 74.0% |
| Income taxes67/77 | €13,830 | €12,797 | €4,301 | €15,701 | €5,969 | ▼ 62.0% |
| Profit (loss) for the period9904 | €31,322 | €24,172 | €5,084 | €29,674 | €5,836 | ▼ 80.3% |
| Profit (loss) for the period to be appropriated9905 | €31,322 | €24,172 | €5,084 | €29,674 | €5,836 | ▼ 80.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €71,569 | €75,162 | €180,143 | €285,133 | €267,042 | ▼ 6.3% |
| Fixed assets21/28 | €3,959 | €8,094 | €115,290 | €223,628 | €203,111 | ▼ 9.2% |
| Tangible fixed assets22/27 | €2,759 | €6,894 | €114,090 | €222,428 | €201,911 | ▼ 9.2% |
| Land and buildings22 | - | - | €105,638 | €111,864 | €115,734 | ▲ 3.5% |
| Furniture and vehicles24 | - | €6,894 | €8,452 | €110,564 | €86,177 | ▼ 22.1% |
| Financial fixed assets28 | €1,200 | €1,200 | €1,200 | €1,200 | €1,200 | = |
| Current assets29/58 | €67,610 | €67,068 | €64,853 | €61,505 | €63,931 | ▲ 3.9% |
| Amounts receivable within one year40/41 | €16,703 | €29,007 | €30,775 | €31,993 | €26,854 | ▼ 16.1% |
| Trade receivables40 | - | €27,187 | €22,715 | €21,744 | €18,273 | ▼ 16.0% |
| Other amounts receivable41 | - | €1,820 | €8,060 | €10,249 | €8,581 | ▼ 16.3% |
| Current investments50/53 | €20,591 | €16,522 | €12,549 | €21,171 | €25,572 | ▲ 20.8% |
| Cash at bank and in hand54/58 | €6,837 | €3,356 | €4,702 | €2,560 | €7,078 | ▲ 176% |
| Deferred charges and accrued income490/1 | - | €18,183 | €16,827 | €5,781 | €4,427 | ▼ 23.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €71,569 | €75,162 | €180,143 | €285,133 | €267,042 | ▼ 6.3% |
| Equity10/15 | €34,606 | €56,678 | €60,262 | €82,236 | €88,073 | ▲ 7.1% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €8,060 | ▲ 30.0% |
| Reserves13 | €28,360 | €50,360 | €53,960 | €73,760 | €77,736 | ▲ 5.4% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €48,500 | €52,100 | €73,760 | €77,736 | ▲ 5.4% |
| Profit (loss) carried forward14 | €46 | €118 | €102 | €2,276 | €2,276 | = |
| Amounts payable17/49 | €36,963 | €18,484 | €119,881 | €202,897 | €178,969 | ▼ 11.8% |
| Amounts payable after more than one year17 | €17 | - | €80,806 | €137,425 | €95,713 | ▼ 30.4% |
| Financial debts170/4 | - | - | €59,601 | €120,175 | €95,713 | ▼ 20.4% |
| Other amounts payable178/9 | - | - | €21,205 | €17,250 | - | - |
| Amounts payable within one year42/48 | €36,946 | €18,484 | €38,792 | €64,428 | €83,041 | ▲ 28.9% |
| Current portion of amounts payable after more than one year42 | - | - | €18,806 | €35,681 | €24,461 | ▼ 31.4% |
| Trade debts44 | €3,831 | €1,322 | €5,823 | €9,472 | €2,013 | ▼ 78.8% |
| Suppliers440/4 | - | €1,322 | €5,823 | €9,472 | €2,013 | ▼ 78.8% |
| Taxes, remuneration and social security45 | - | €15,062 | €12,663 | €11,575 | €9,977 | ▼ 13.8% |
| Taxes450/3 | - | €15,062 | €12,663 | €11,575 | €9,977 | ▼ 13.8% |
| Other amounts payable47/48 | - | €2,100 | €1,500 | €7,700 | €46,590 | ▲ 505% |
| Accrued charges and deferred income492/3 | - | - | €283 | €1,044 | €215 | ▼ 79.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31,322 | €24,172 | €5,084 | €29,674 | €5,836 | ▼ 80.3% |
| + Depreciation and write-downs630 | €1,551 | €2,476 | €10,769 | €12,572 | €27,235 | ▲ 117% |
| Operating cash flow (approximation) | €32,873 | €26,648 | €15,853 | €42,246 | €33,071 | ▼ 21.7% |
| Investment in fixed assets (approximation) | - | -€6,611 | -€117,965 | -€120,910 | -€6,718 | ▲ 94.4% |
| Change in cash | - | -€3,481 | €1,346 | -€2,142 | €4,518 | ▲ 311% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €31,322 ▲3.9%
Net result €31,322, the highest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Erpe-Mere · 1 establishment unit since 2013
Ground area
1,236 m²
Building footprint
111 m²
Volume, LiDAR
683 m³
Parcel 41009A0234/00B002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BuildTrade
since 20132.216.478.308
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41009A0234/00B002 | Flanders | 1,236 m² | 1 · 111 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
Dacco
BE 1011.712.869
Putte · Eq €87,966
BELGO CHASSIS
BE 0476.350.469
Seraing · Eq €88,445
Woodstock Coop.
BE 0782.770.501
Ottignies-Louvain-la-Neuve · Eq €88,543
AD3
BE 0803.295.996
Grimbergen · Eq €87,323
RvR CONSULTING
BE 0864.850.218
Bilzen-Hoeselt · Eq €90,450
Of 1,136 companies in sector 46130 we hold annual accounts for 647. 513 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-02-2013
Fiscal year end31-12
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
46140Agents in the wholesale of industrial machinery, ships and aircraft
46150Agents in the wholesale of furniture, household goods and hardware
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0503933608
Registered
20-02-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.