Bwall'Im
ActiveSummary
The computed 12-month bankruptcy probability of Bwall'Im is 2.6% (moderate). The 2024 annual accounts show equity of €19k and a net result of €10k. Equity is growing by ~116.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 9982 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability97▲+97
Solvency71▲+6
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.6 in 2023; short-term debt: 54% and cash: 37.5% of total assets), but 54% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
46%
Return on assets
22.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-10-2025, 66 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
66 d late
2023
56 d late
2022
92 d late
2021
68 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€19k▲ 99.4%
2023 · €10k
Total assets
€42k▲ 72.7%
2023 · €24k
Net result
€10k
2023 · €-7k
Working capital
€19k▲ 119%
2023 · €9k
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
Line2021202220232024
Operating result€-1k-€18k€-7k€11k
Net result€-1k-€15k€-7k€10k
Equity€1k-€16k▲ 1,024%€10k▼ 41.6%€19k▲ 99.4%
Total assets€14k-€46k▲ 233%€24k▼ 47.5%€42k▲ 72.7%
Debt€12k-€29k▲ 139%€14k▼ 50.8%€22k▲ 55.1%
Working capital€-3k-€14k€9k▼ 36.0%€19k▲ 119%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €11k after a loss of €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €42k
Equity
€19k ▲ 99.4%
Debt
€22k ▲ 55.1%
Debt's share of the balance-sheet total falls from 60.1% to 54.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2023 · €-5k
Cash flow
€10k▲
2023 · €-5k
Current ratio
1.85▲
2023 · 1.60
Debt to equity
1.17▼
2023 · 1.51
ROE
49.8%▲
2023 · -71.3%
ROA
22.9%▲
2023 · -28.4%
Interest coverage
131.00▲
2023 · -49.92
Debt ≤ 1 year
€22k▲
2023 · €14k
Income taxes
€1k▲
2023 · €90
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €2k | €2k | €851 | ▼ 55.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €6k | - | €-6k | - | - |
| Other operating charges640/8 | €409 | €691 | €734 | €778 | ▲ 6.0% |
| Gross operating margin9900 | €7k | €21k | €-10k | €13k | ▲ 232% |
| Operating profit (loss)9901 | €-1k | €18k | €-7k | €11k | ▲ 264% |
| Financial income75/76B | €118 | €9 | - | €4 | - |
| Recurring financial income75 | €118 | €9 | - | €4 | - |
| Financial charges65/66B | - | €73 | €95 | €90 | ▼ 5.3% |
| Recurring financial charges65 | - | €73 | €95 | €90 | ▼ 5.3% |
| Profit (loss) for the period before taxes9903 | €-1k | €18k | €-7k | €11k | ▲ 260% |
| Income taxes67/77 | - | €3k | €90 | €1k | ▲ 1,344% |
| Profit (loss) for the period9904 | €-1k | €15k | €-7k | €10k | ▲ 239% |
| Profit (loss) for the period to be appropriated9905 | €-1k | €15k | €-7k | €10k | ▲ 239% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €14k | €46k | €24k | €42k | ▲ 72.7% |
| Formation expenses20 | €58 | - | - | - | - |
| Fixed assets21/28 | €5k | €3k | €851 | - | - |
| Tangible fixed assets22/27 | €5k | €3k | €851 | - | - |
| Furniture and vehicles24 | €5k | €3k | €851 | - | - |
| Current assets29/58 | €9k | €43k | €23k | €42k | ▲ 79.1% |
| Stocks and contracts in progress3 | - | €2k | €725 | - | - |
| Stocks30/36 | - | €2k | €725 | - | - |
| Amounts receivable within one year40/41 | €8k | €8k | €14k | €24k | ▲ 69.1% |
| Trade receivables40 | €8k | €8k | €14k | €24k | ▲ 70.3% |
| Other amounts receivable41 | - | €101 | €100 | - | - |
| Cash at bank and in hand54/58 | €961 | €32k | €6k | €16k | ▲ 152% |
| Deferred charges and accrued income490/1 | €160 | €1k | €2k | €2k | ▲ 1.3% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €14k | €46k | €24k | €42k | ▲ 72.7% |
| Equity10/15 | €1k | €16k | €10k | €19k | ▲ 99.4% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Reserves13 | - | €10k | €7k | €16k | ▲ 129% |
| Distributable reserves133 | - | €10k | €7k | €16k | ▲ 129% |
| Profit (loss) carried forward14 | €-1k | €4k | €115 | €668 | ▲ 481% |
| Amounts payable17/49 | €12k | €29k | €14k | €22k | ▲ 55.1% |
| Amounts payable within one year42/48 | €12k | €29k | €14k | €22k | ▲ 55.1% |
| Trade debts44 | €380 | €18k | €2k | €12k | ▲ 422% |
| Suppliers440/4 | €380 | €18k | €2k | €12k | ▲ 422% |
| Taxes, remuneration and social security45 | €262 | €11k | €12k | €5k | ▼ 55.8% |
| Taxes450/3 | €262 | €11k | €12k | €5k | ▼ 55.8% |
| Other amounts payable47/48 | €12k | - | - | €5k | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-1k | €15k | €-7k | €10k | ▲ 239% |
| + Depreciation and write-downs630 | €3k | €2k | €2k | €851 | ▼ 55.9% |
| Operating cash flow (approximation) | €2k | €17k | €-5k | €10k | ▲ 311% |
| Investment in fixed assets (approximation) | - | €-58 | €0 | - | - |
| Change in cash | - | €31k | €-26k | €9k | ▲ 137% |
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
2025
05-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 66 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.46
Current ratio from 0.73 to 1.46.
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 68 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Anhée · 1 establishment unit since 2021
Ground area
8,092 m²
Building footprint
177 m²
Volume, LiDAR
1,367 m³
Parcel 91016B0572/00R000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bwall'im
since 20212.312.094.374
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91016B0572/00R000 | Wallonia | 8,092 m² | 1 · 177 m² | 11.4 m · 3 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.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 11,429 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
Founded19-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68121Development of residential building projects
43120Site preparation
74130Interior design
81300Landscape service activities
Contact
E-mail
info@bwall.be
Phone
+32494082805
Scores and ratios are computed by Checked and are not a credit decision.