BUILDYL
ActiveSummary
BUILDYL has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112,364 and a net result of -€8,630. Equity is growing by ~3.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability18▼-7
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
short-term debt: 0.7% and cash: 91.1% of total assets, and 0.7% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€8,630
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
10 d late
2023
13 d late
2022
11 d late
2021
23 d late
2020
2 d late
2019
12 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 1 day after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 11 August (4 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
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Financials · fiscal year 2025, micro schema
Equity
€112,364▼ 7.1%
2024 · €120,994
Total assets
€113,164▼ 7.4%
2024 · €122,152
Net result
-€8,630▼ 35.9%
2024 · -€6,350
Working capital
€102,622▼ 7.8%
2024 · €111,251
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,251▲ 4.0%€10,423▲ 1.7%€1,587▼ 84.8%-€6,159-€8,489▼ 37.8%
Net result€7,658▲ 14.4%€7,509▼ 1.9%€1,054▼ 86.0%-€6,350-€8,630▼ 35.9%
Equity€118,781▲ 6.9%€126,290▲ 6.3%€127,344▲ 0.8%€120,994▼ 5.0%€112,364▼ 7.1%
Total assets€121,986▲ 3.6%€130,121▲ 6.7%€130,877▲ 0.6%€122,152▼ 6.7%€113,164▼ 7.4%
Debt€3,205▼ 51.8%€3,831▲ 19.5%€3,533▼ 7.8%€1,158▼ 67.2%€800▼ 30.9%
Working capital€109,075▲ 7.4%€116,547▲ 6.9%€117,601▲ 0.9%€111,251▼ 5.4%€102,622▼ 7.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8,489 in 2025 against €6,159 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113,164
Fixed assets
€9,743 =
Current assets
€103,422 ▼ 8.0%
Equity and liabilities €113,164
Equity
€112,364 ▼ 7.1%
Debt
€800 ▼ 30.9%
Debt's share of the balance-sheet total falls from 0.9% to 0.7%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.01▼
2024 · 0.01
ROE
-7.7%▼
2024 · -5.2%
ROA
-7.6%▼
2024 · -5.2%
Debt ≤ 1 year
€800▼
2024 · €1,158
A ratio outside any meaningful range has been withheld (balance sheet total €113,164, equity €112,364).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% 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 12,321 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €2,631 | €2,686 | €2,948 | €3,055 | €3,479 | ▲ 13.9% |
| Gross operating margin9900 | €12,882 | €13,109 | €4,534 | -€3,103 | -€5,010 | ▼ 61.4% |
| Operating profit (loss)9901 | €10,251 | €10,423 | €1,587 | -€6,159 | -€8,489 | ▼ 37.8% |
| Financial charges65/66B | €40 | €180 | €182 | €191 | €140 | ▼ 26.6% |
| Recurring financial charges65 | €40 | €180 | €182 | €191 | €140 | ▼ 26.6% |
| Profit (loss) for the period before taxes9903 | €10,211 | €10,243 | €1,405 | -€6,350 | -€8,630 | ▼ 35.9% |
| Income taxes67/77 | €2,553 | €2,733 | €351 | - | - | - |
| Profit (loss) for the period9904 | €7,658 | €7,509 | €1,054 | -€6,350 | -€8,630 | ▼ 35.9% |
| Profit (loss) for the period to be appropriated9905 | €7,658 | €7,509 | €1,054 | -€6,350 | -€8,630 | ▼ 35.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €121,986 | €130,121 | €130,877 | €122,152 | €113,164 | ▼ 7.4% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €9,743 | €9,743 | €9,743 | €9,743 | €9,743 | = |
| Tangible fixed assets22/27 | €9,743 | €9,743 | €9,743 | €9,743 | €9,743 | = |
| Land and buildings22 | €9,743 | €9,743 | €9,743 | €9,743 | €9,743 | = |
| Plant, machinery and equipment23 | - | - | €0 | €0 | €0 | - |
| Current assets29/58 | €112,243 | €120,378 | €121,134 | €112,409 | €103,422 | ▼ 8.0% |
| Amounts receivable within one year40/41 | €983 | €2,333 | €6,185 | €6,185 | €36 | ▼ 99.4% |
| Trade receivables40 | - | €1,350 | - | - | - | - |
| Other amounts receivable41 | €983 | €983 | €6,185 | €6,185 | €36 | ▼ 99.4% |
| Cash at bank and in hand54/58 | €111,260 | €118,045 | €114,950 | €105,983 | €103,114 | ▼ 2.7% |
| Deferred charges and accrued income490/1 | - | - | - | €241 | €271 | ▲ 12.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €121,986 | €130,121 | €130,877 | €122,152 | €113,164 | ▼ 7.4% |
| Equity10/15 | €118,781 | €126,290 | €127,344 | €120,994 | €112,364 | ▼ 7.1% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Revaluation surpluses12 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €9,948 | €10,324 | €10,376 | €10,376 | €10,376 | = |
| Non-distributable reserves130/1 | €3,128 | €3,504 | €3,556 | €3,556 | €3,556 | = |
| Legal reserve130 | €3,128 | €3,504 | €3,556 | €3,556 | €3,556 | = |
| Distributable reserves133 | €6,820 | €6,820 | €6,820 | €6,820 | €6,820 | = |
| Profit (loss) carried forward14 | €45,833 | €52,967 | €53,968 | €47,618 | €38,988 | ▼ 18.1% |
| Amounts payable17/49 | €3,205 | €3,831 | €3,533 | €1,158 | €800 | ▼ 30.9% |
| Amounts payable within one year42/48 | €3,168 | €3,831 | €3,533 | €1,158 | €800 | ▼ 30.9% |
| Trade debts44 | €165 | €1,098 | €800 | €1,158 | €800 | ▼ 30.9% |
| Suppliers440/4 | €165 | €1,098 | €800 | €1,158 | €800 | ▼ 30.9% |
| Taxes, remuneration and social security45 | €3,003 | €2,733 | €2,733 | - | - | - |
| Taxes450/3 | €3,003 | €2,733 | €2,733 | - | - | - |
| Accrued charges and deferred income492/3 | €37 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,658 | €7,509 | €1,054 | -€6,350 | -€8,630 | ▼ 35.9% |
| Operating cash flow (approximation) | €7,658 | €7,509 | €1,054 | -€6,350 | -€8,630 | ▼ 35.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €6,785 | -€3,095 | -€8,966 | -€2,869 | ▲ 68.0% |
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
23-06
State Gazette act
Appointment: René Stocman (managing director)2 facts ▸
State Gazette act
Appointment: René Stocman (managing director)
2 facts ▸
- General meeting, 08-06-2026
- Director appointment, René Stocman (managing director)
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€8,630
Net result drops to -€8,630, the lowest in the series.
10-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 10 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 97.07
Current ratio from 34.28 to 97.07; short-term debt falls from €3,533 to €1,158.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Highest result since 2018net €7,658 ▲14.4%
Net result €7,658, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 35.43
Current ratio from 16.65 to 35.43; short-term debt falls from €6,488 to €3,168.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €104,430 ▲6.4%
2 profitable years in a row build equity to €104,430.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 office holder, last change in 2026
Day-to-day management 1
René Stocman
CurrentManaging director · since 08-06-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 1989
Ground area
1,614 m²
Building footprint
289 m²
Volume, LiDAR
2,221 m³
2 parcels, Wallonia · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Ancienne Douane(N) 48, 7730 Estaimpuis
since 19892.041.551.476
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57058C0344/00S000 | Wallonia | 905 m² | 1 · 100 m² | 10.8 m · 3 fl. |
| 57462A0281/00R044 | Wallonia | 709 m² | 1 · 189 m² | 14.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Day-to-day management
| Name | Functions and periods |
|---|---|
| René Stocman |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Identification & contact
Identification
Legal formPublic limited company
Founded29-11-1988
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0435987878
Registered
02-09-2026
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.