CONSTRUCTION B&M
ActiveThe computed 12-month bankruptcy probability of CONSTRUCTION B&M is 2.5% (moderate). The 2024 annual accounts show equity of €111k and a net result of €59k. Equity is growing by ~76.9% per year across the filed fiscal years. Its solvency ranks better than 17% of 1290 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
42
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+18
Solvency33=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.94 against 0.9 in 2023; short-term debt: 67.7% and cash: 0.9% of total assets), and 91.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 1290 sector peers (2024).
NBB · sector comparisonPosition among 1290 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-12-2025, 123 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
123 d late
2023
70 d late
2022
5 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€59k▲ 174%
2023 · €22k
2022: €29k
2023: €22k
2022 → 2024
Working capital
€-54k▼ 127%
2023 · €-24k
2022: €21k
2023: €-24k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€31k-€52k▲ 70.0%€111k▲ 113%
Operating result€41k-€46k▲ 12.3%€102k▲ 122%
Net result€29k-€22k▼ 25.1%€59k▲ 174%
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 122% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.33M
Fixed assets
€484k▲ 17.0%
Current assets
€849k▲ 281%
Equity and liabilities €1.33M
Equity
€111k▲ 113%
Debt
€1.22M▲ 109%
The debt ratio falls from 91.8% to 91.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€126k▲
2023 · €61k
Cash flow
€83k▲
2023 · €36k
Solvency
8.3%▲
2023 · 8.2%
Current ratio
0.94▲
2023 · 0.90
Quick ratio
0.90▲
2023 · 0.78
Debt / equity
11.00▼
2023 · 11.20
ROE
53.0%▲
2023 · 41.2%
ROA
4.4%▲
2023 · 3.4%
Interest coverage
6.31▲
2023 · 3.96
Debt
€1.22M▲
2023 · €585k
Debt ≤ 1 year
€903k▲
2023 · €247k
Debt > 1 year
€318k▼
2023 · €338k
Income taxes
€24k▲
2023 · €10k
Staff costs
€103k▲
2023 · €66k
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€637k€1.33M▲
Fixed assets21/28€414k€484k▲
Tangible fixed assets22/27€413k€483k▲
Land and buildings22€366k€441k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€25k€22k▼
Assets under construction and advance payments27€19k€18k▼
Financial fixed assets28€1k€1k=
Current assets29/58€223k€849k▲
Amounts receivable after more than one year29€23k-
Other amounts receivable291€23k-
Stocks and contracts in progress3€30k€33k▲
Stocks30/36€30k€33k▲
Amounts receivable within one year40/41€141k€802k▲
Trade receivables40€133k€764k▲
Other amounts receivable41€8k€38k▲
Cash at bank and in hand54/58€28k€12k▼
Deferred charges and accrued income490/1€774€2k▲
Equity and liabilities
Total equity and liabilities10/49€637k€1.33M▲
Equity10/15€52k€111k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€50k€109k▲
Amounts payable17/49€585k€1.22M▲
Amounts payable after more than one year17€338k€318k▼
Financial debts170/4€338k€317k▼
Other amounts payable178/9-€1k
Amounts payable within one year42/48€247k€903k▲
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€194k€794k▲
Suppliers440/4€194k€794k▲
Advances received on contracts in progress46€11k-
Taxes, remuneration and social security45€15k€71k▲
Taxes450/3€13k€56k▲
Remuneration and social security454/9€2k€14k▲
Other amounts payable47/48€8k€17k▲
Accrued charges and deferred income492/3-€751
Income statement
Code20232024
Remuneration, social security and pensions62€66k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€24k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-7k
Other operating charges640/8€3k€12k▲
Gross operating margin9900€129k€234k▲
Operating profit (loss)9901€46k€102k▲
Financial income75/76B€696€113▼
Recurring financial income75€696€113▼
Financial charges65/66B€15k€20k▲
Recurring financial charges65€15k€20k▲
Profit (loss) for the period before taxes9903€31k€82k▲
Income taxes67/77€10k€24k▲
Profit (loss) for the period9904€22k€59k▲
Profit (loss) for the period to be appropriated9905€22k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€109k▲
Profit (loss) brought forward from the previous period14P€29k€50k▲
Social balance
Average headcount (FTE)9087-3.9
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 123 days late
2024
31-12
Financial
Highest result since 2022net €59k ▲174%
Operating result €102k, net result €59k, both a record.
31-12
Financial
Equity above €100kEq €111k ▲113%
3 profitable years in a row build equity to €111k.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
31-12
Financial
Weakest financial yearnet €22k ▼25.1%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2021
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.
Rue d'en Haut 16041 CharleroiGround area
542 m²
Building footprint
129 m²
Volume, LiDAR
528 m³
Parcel 52028D0208/00N000, Wallonia · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CONSTRUCTION B&M
since 20212.325.468.991
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028D0208/00N000 | Wallonia | 542 m² | 1 · 129 m² | 5.3 m · 1 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
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BOUWWERKEN VAN DER ELST GINO
BE 0458.593.036
Grobbendonk · Eq €111k
SCRD
BE 0555.748.533
Beersel · Eq €111k
TREGADATA
BE 0871.827.882
Overijse · Eq €111k
EULOCASA
BE 0692.873.869
Frameries · Eq €111k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 13,059 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43910Bricklaying and masonry work
43110Demolition
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
43994Specialised construction activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.