EQUI-BUILD
ActiveSummary
EQUI-BUILD has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,961 and a net result of -€656. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 83% of 7598 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Four 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
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 2025Age of the figures
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
40 d early
2023
21 d early
2022
47 d early
2021
30 d late
2020
23 d late
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed 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 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#9 oldest company in Gavere, Construction sector
Equity
€2,961▼ 18.1%
2024 · €3,617
Total assets
€3,917▼ 1.1%
2024 · €3,959
Net result
-€656
2024 · €2,327
Working capital
€2,413▼ 30.7%
2024 · €3,482
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,565▲ 42.6%-€3,182-€488▲ 84.7%€2,396-€622
Net result€2,500within the sector's middle half▲ 42.0%-€3,251below the sector's middle half-€512within the sector's middle half▲ 84.3%€2,327within the sector's middle half-€656within the sector's middle half
Equity€5,053below the sector's middle half▲ 97.9%€1,802below the sector's middle half▼ 64.3%€1,291below the sector's middle half▼ 28.4%€3,617below the sector's middle half▲ 180%€2,961below the sector's middle half▼ 18.1%
Total assets€5,842below the sector's middle half▲ 46.8%€3,682below the sector's middle half▼ 37.0%€3,167below the sector's middle half▼ 14.0%€3,959below the sector's middle half▲ 25.0%€3,917below the sector's middle half▼ 1.1%
Debt€789▼ 44.7%€1,879▲ 138%€1,877▼ 0.2%€342▼ 81.8%€956▲ 180%
Working capital€4,918within the sector's middle half▲ 103%€1,667below the sector's middle half▼ 66.1%€1,156within the sector's middle half▼ 30.7%€3,482within the sector's middle half▲ 201%€2,413within the sector's middle half▼ 30.7%
Solvency86.5%above the sector's middle half
Current ratio7.24above the sector's middle half
Return on assets (ROA)42.8%above the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €622 after €2,396 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3,917
Fixed assets
€548 ▲ 306%
Current assets
€3,369 ▼ 11.9%
Equity and liabilities €3,917
Equity
€2,961 ▼ 18.1%
Debt
€956 ▲ 180%
Debt's share of the balance-sheet total rises from 8.6% to 24.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€499
Cash flow
-€533
Interest coverage
-7.09
Debt ≤ 1 year
€956▲
2024 · €342
Ratios withheld: a balance sheet total of €3,917 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 5,834 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1,000 | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €123 | - |
| Other operating charges640/8 | €347 | €375 | €276 | €655 | €765 | ▲ 16.8% |
| Gross operating margin9900 | €2,912 | -€2,807 | -€212 | €3,051 | €266 | ▼ 91.3% |
| Operating profit (loss)9901 | €2,565 | -€3,182 | -€488 | €2,396 | -€622 | ▼ 126% |
| Financial income75/76B | €0 | - | €42 | €0 | €36 | - |
| Recurring financial income75 | €0 | - | €42 | €0 | €36 | - |
| Financial charges65/66B | €64 | €69 | €65 | €69 | €70 | ▲ 2.0% |
| Recurring financial charges65 | €64 | €69 | €65 | €69 | €70 | ▲ 2.0% |
| Profit (loss) for the period before taxes9903 | €2,500 | -€3,251 | -€512 | €2,327 | -€656 | ▼ 128% |
| Profit (loss) for the period9904 | €2,500 | -€3,251 | -€512 | €2,327 | -€656 | ▼ 128% |
| Transfer from tax-exempt reserves789 | €5,897 | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €8,398 | -€3,251 | -€512 | €2,327 | -€656 | ▼ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5,842 | €3,682 | €3,167 | €3,959 | €3,917 | ▼ 1.1% |
| Fixed assets21/28 | €135 | €135 | €135 | €135 | €548 | ▲ 306% |
| Tangible fixed assets22/27 | - | - | - | - | €413 | - |
| Furniture and vehicles24 | - | - | - | - | €413 | - |
| Financial fixed assets28 | €135 | €135 | €135 | €135 | €135 | = |
| Current assets29/58 | €5,707 | €3,547 | €3,032 | €3,824 | €3,369 | ▼ 11.9% |
| Amounts receivable within one year40/41 | €826 | €1,588 | €1,351 | €1,565 | €1,829 | ▲ 16.9% |
| Trade receivables40 | €496 | €1,036 | €826 | €0 | €735 | - |
| Other amounts receivable41 | €330 | €552 | €525 | €1,565 | €1,094 | ▼ 30.1% |
| Cash at bank and in hand54/58 | €4,263 | €1,353 | €1,070 | €1,623 | €655 | ▼ 59.7% |
| Deferred charges and accrued income490/1 | €619 | €605 | €610 | €636 | €885 | ▲ 39.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5,842 | €3,682 | €3,167 | €3,959 | €3,917 | ▼ 1.1% |
| Equity10/15 | €5,053 | €1,802 | €1,291 | €3,617 | €2,961 | ▼ 18.1% |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Tax-exempt reserves132 | €0 | - | - | - | - | - |
| Distributable reserves133 | - | - | - | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€3,003 | -€6,254 | -€6,766 | -€4,439 | -€5,095 | ▼ 14.8% |
| Amounts payable17/49 | €789 | €1,879 | €1,877 | €342 | €956 | ▲ 180% |
| Amounts payable within one year42/48 | €789 | €1,879 | €1,877 | €342 | €956 | ▲ 180% |
| Trade debts44 | €603 | €1,729 | €877 | €342 | €956 | ▲ 180% |
| Suppliers440/4 | €603 | €1,729 | €877 | €342 | €956 | ▲ 180% |
| Advances received on contracts in progress46 | - | - | €1,000 | €0 | - | - |
| Taxes, remuneration and social security45 | - | €25 | €0 | - | - | - |
| Taxes450/3 | - | €25 | €0 | - | - | - |
| Other amounts payable47/48 | €186 | €125 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,500 | -€3,251 | -€512 | €2,327 | -€656 | ▼ 128% |
| + Depreciation and write-downs630 | - | - | - | - | €123 | - |
| Operating cash flow (approximation) | €2,500 | -€3,251 | -€512 | €2,327 | -€533 | ▼ 123% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€536 | - |
| Change in cash | - | -€2,909 | -€283 | €553 | -€968 | ▼ 275% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2,327
Net result €2,327 after 2 loss-making years.
31-12
Financial
Liquidity times 7current ratio 11.19
Current ratio from 1.62 to 11.19; short-term debt falls from €1,877 to €342.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€3,251
Net result drops to -€3,251, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €2,500 ▲42%
Operating result €2,565, net result €2,500, both a record.
31-12
Financial
Liquidity triplescurrent ratio 7.24
Current ratio from 2.69 to 7.24; short-term debt falls from €1,427 to €789.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Back to profitnet €1,760
Net result €1,760 after one loss-making year.
Show earlier events
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Gavere · 1 establishment unit since 1989
Ground area
461 m²
Building footprint
229 m²
Volume, LiDAR
1,217 m³
Parcel 44016A0259/00B000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA TEMMERMAN
since 19892.044.290.143
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016A0259/00B000 | Flanders | 461 m² | 1 · 229 m² | 10.6 m · 2 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 29,786 companies in sector 41001 we hold annual accounts for 16,061. 4,550 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
Founded07-06-1989
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
93110Operation of sports facilities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0437658555
Also
9925:BE0437658555
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.