Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for D - BOUWBEDRIJF according to publications in the Belgian State Gazette. The 2021 annual accounts show equity of €42k and a net result of €-1k.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events26-06-2024
Bankruptcy
Opening
Signals
Insufficient current data: the most recent filed accounts (financial year 2021) are too old to derive current signals.
Filing behaviour
From the deposit records, complete market-wideFiling behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
Latest accounts filed on time
The financial year that closed on 31-12-2021 was due by 31-07-2022 and was filed on 07-07-2022, 24 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2021, that is 31-07-2022.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | nothing on record | not filed | - |
| 31-12-2022 | 31-07-2023 | nothing on record | not filed | - |
| 31-12-2021 | 31-07-2022 | 07-07-2022 | 24 d early | 2022-20162622 |
| 31-12-2020 | 31-07-2021 | 30-09-2021 | 61 d late | 2021-70200149 |
| 31-12-2019 | 31-07-2020 | 28-08-2020 | 28 d late | 2020-46400555 |
| 31-12-2018 | 31-07-2019 | 29-08-2019 | 29 d late | 2019-63300120 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsRegister: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Turnover€92k+4.1%
EBIT margin1.7%-21.6pp
Net result€-1k
Working capital€27k+2.3%
Directors1
Annual accounts & ratios
Source: NBB · 2021Annual accounts filed on 07-07-2022 with the NBB · fiscal year 2021 · verkort
Sector comparison
Fiscal year 2021 · NACE 43, Specialised construction · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 71.3% | 30.9% | |
| Net result | €-1k | €30k | |
| Equity | €42k | €155k | |
| Gross operating margin | €7k | €246k | |
| Staff costs | €354 | €242k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€92k
+4.1%
18-21
€5k
-79.2%
18-21
€-1k
-
18-21
€2k
-94.7%
18-21
€59k
-5.2%
18-21
€42k
-2.5%
18-21
€27k
+2.3%
18-21
€354
-
18-21
€3k
+632.5%
18-21
€17k
-11.3%
18-21
€17k
-11.3%
18-21
2.60
+8.9%
18-21
2.60
+8.9%
18-21
71.3%
+2.9%
18-21
0.40
-
18-21
-2.5%
-
18-21
-1.8%
-
18-21
-1.2%
-
18-21
5.3%
-80.0%
18-21
39.24
-
18-21
Figures by fiscal year
| Fiscal year | 2021 |
|---|---|
| Deposit | verkort |
| Revenue | €92k |
| EBITDA | €5k |
| Net profit | €-1k |
| Cash flow | €2k |
| Staff costs | €354 |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €59k |
| Equity | €42k |
| Debt | €17k |
| of which ≤ 1y | €17k |
| of which > 1y | - |
| Working capital | €27k |
| Employees (FTE) | - |
Ratios (computed)
| 2021 | |
|---|---|
| Current ratio | 2.60 |
| Quick ratio | 2.60 |
| Working capital ratio | 46.0% |
| Solvency | 71.3% |
| Debt / equity | 0.40 |
| Long-term debt ratio | - |
| Interest coverage | 39.24 |
| Gross margin | 7.2% |
| Net margin | -1.2% |
| ROA | -1.8% |
| ROE | -2.5% |
| EBITDA margin | 5.3% |
| Days sales outstanding | 125d |
| Days payable outstanding | 0d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2021
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2021 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €59k |
| Fixed assets | 21/28 | €15k |
| Tangible fixed assets | 22/27 | €15k |
| Current assets | 29/58 | €44k |
| Amounts receivable within one year | 40/41 | €38k |
| Cash & bank | 54/58 | €6k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €59k |
| Equity | 10/15 | €42k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €960 |
| Accumulated profits (losses) | 14 | €22k |
| Amounts payable | 17/49 | €17k |
| Amounts payable within one year | 42/48 | €17k |
| Trade debts payable within one year | 44 | €106 |
| Income statement | ||
| Turnover | 70 | €92k |
| Gross operating margin | 9900 | €7k |
| Operating result | 9901 | €2k |
| Financial charges | 65 | €123 |
| Result before taxes | 9903 | €1k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €-1k |
| Result to be appropriated | 9905 | €-1k |
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2021 · computed12
/ 100
Critical
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2021 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
BOUZIANE YoussefDirectorState Gazette act 22143542 (06-12-2022)Current01-10-2022 → present
Former directors (1)
-
Niasse MamadouDirectorState Gazette act 22143542 (06-12-2022)Former- → 30-09-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | KLAAS KOENTGES NOORDERLAAN 98,
2030 ANTWERPEN 3 |
20-06-2024 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Overige werkzaamheden in verband met de afwerking van gebouwen(43350) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 27-06-2017 |
| Status | Active |
| Postal code | - |
| First BS signal | 26-06-2024 |
| Latest BS signal | 26-06-2024 |
Structure & network
Ownership & control
No ownership or control structure found in the sources.
For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.
1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Establishment units
1 locationGinderbuiten 98, 2400 Mol
since 20232.341.511.704
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area6,368 m²
Buildings2
Building footprint3,692 m²
Volume (LiDAR)20,630 m³
Tallest building10.4 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0158/00C005 | Flanders | 5,303 m² | 1 · 3,300 m² | 10.4 m · 1 fl. |
| 13025G0198/00X000 | Flanders | 1,065 m² | 1 · 392 m² | 9.9 m · 1 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette26-06-2024
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
2 acts Address history · 1
27-05-2022
Registered-office move
All acts · 2
updated 3 years ago
2022
06-12-2022 1 director appointed, 1 resigning
- BOUZIANE Youssef, Bestuurder
- Niasse Mamadou, Bestuurder
27-05-2022 Registered office moved from BORGERHOUT to DEURNE
- Bothastraat 28 2140 BORGERHOUT → Middelmolenlaan 175 2100 DEURNE
Analysis
Snowflake analysis
financial profile on 5 axes34
/ 100
Fragile profile, watch stability in particular.
All 5 axes are computed from data Checked has read.
Health
12
Profitability
15
Solvency
100
Growth
43
Stability
0
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 1000.637.053 · Pajottegem
BE 0753.547.369 · Oudsbergen
BE 0767.512.203 · Herstal
BE 0790.532.578 · Temse
BE 0780.813.574 · Blankenberge
We hold annual accounts for 635 of the 7,227 companies in this sector. 543 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Stukadoorswerk43310Stukadoorswerk43310Schrijnwerk43320Schrijnwerk43320Plaatsen van vloer- en wandtegels43331Plaatsen van vloer- en wandtegels43331Schilderen van gebouwen43341Schilderen van gebouwen43341Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220
Primary activity highlighted.
Names & trade names
| Legal nameNL | D - BOUWBEDRIJF |
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.