BUZ CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of BUZ CONSTRUCT is 1.8% (moderate). The 2024 annual accounts show equity of €121k and a net result of €13k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 36373 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▼-13
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
cash: 66.7% of total assets, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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
not confirmed
2024
27 d late
2023
26 d late
2022
11 d late
2021
8 d late
2020
5 d early
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k▲ 71.7%
2023 · €8k
2018: €20k
2019: €18k
2020: €39
2021: €11k
2022: €1k
2023: €8k
2018 → 2024
Working capital
€88k▼ 69.5%
2018 · €288k
2018: €288k
2018 → 2020
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€88k-€99k▲ 12.6%€100k▲ 1.3%€108k▲ 7.7%€121k▲ 12.3%
Operating result€39-€11k▲ 28,852%€12k▲ 10.6%€11k▼ 10.7%€17k▲ 48.2%
Net result€39-€11k▲ 28,383%€1k▼ 88.0%€8k▲ 478%€13k▲ 71.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 48% above 2023 and is the highest result in the available series.
Key figures and ratios
Solvency
100.0%=
2023 · 100.0%
ROE
10.9%▲
2023 · 7.1%
ROA
10.9%▲
2023 · 7.1%
Income taxes
€3k▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€108k€121k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Plant, machinery and equipment23€0-
Furniture and vehicles24€0-
Current assets29/58€108k€121k▲
Amounts receivable within one year40/41€107k€40k▼
Trade receivables40€100k€33k▼
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€1k€81k▲
Equity and liabilities
Total equity and liabilities10/49€108k€121k▲
Equity10/15€108k€121k▲
Contributions10/11€100€100=
Profit (loss) carried forward14€108k€121k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€375-
Other operating charges640/8€995€439▼
Gross operating margin9900€13k€17k▲
Operating profit (loss)9901€11k€17k▲
Financial charges65/66B€215€196▼
Recurring financial charges65€215€196▼
Profit (loss) for the period before taxes9903€11k€16k▲
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€8k€13k▲
Profit (loss) for the period to be appropriated9905€8k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€121k▲
Profit (loss) brought forward from the previous period14P€100k€108k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Equity above €100kEq €100k ▲1.3%
5 profitable years in a row build equity to €100k.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 8 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €39 ▼99.8%
Net result drops to €39, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
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, Schaarbeek · 1 establishment unit since 2013
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.
Victor Hugostraat 831030 SchaarbeekGround area
211 m²
Building footprint
185 m²
Volume, LiDAR
2,480 m³
Parcel 21905C0074/00V008, Brussels · tallest building 19.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Victor Hugostraat 83, 1030 Schaarbeek
since 20132.223.522.981
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21905C0074/00V008 | Brussels | 211 m² | 1 · 184 m² | 19.7 m · 5 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
EUROTER
BE 0893.565.087
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BSX IDEAL RENOVE
BE 0879.535.226
Wavre · Eq €121k
Arceblo
BE 0711.897.153
Gent · Eq €122k
DCR
BE 0799.617.322
Evergem · Eq €122k
MATTHIAS PIETERS
BE 0741.631.811
Pajottegem · Eq €122k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,650 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2013
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
43130Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43910Bricklaying and masonry work
43990Other specialised construction activities
43992Specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.