ETS BONSIGNORE

Active

Private limited companyfounded 20188 yrs activeRue des Genêts 54, 4000 Liège, BelgiumKBO/BCE: BE 0691.684.036

The computed 12-month bankruptcy probability of ETS BONSIGNORE is 1.6% (moderate). The 2024 annual accounts show equity of €423k and a net result of €-230k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 42% of 3549 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

39 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-72

Solvency60▼-8

Growth52=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €16k at 30 days only on tighter terms

Liquidity tight (current ratio 1.44 against 1.65 in 2023; short-term debt: 65% and cash: 4.1% of total assets), and 65% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 →

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 2024

Solvency, return and age of the figures

Solvency

35%

Return on assets

-19.1%

Age of the figures

20 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 7 filings

Deviation from the deadline

2025

not confirmed

2024

31 d late

2023

40 d late

2022

on the day

2021

2 d late

2020

5 d late

2019

on the day

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-230k

2023 · €67k

2018: €199k 2019: €167k 2020: €113k 2021: €53k 2022: €36k 2023: €67k

2018 → 2024

Working capital

€346k▼ 38.7%

2023 · €565k

2018: €93k 2019: €280k 2020: €377k 2021: €439k 2022: €462k 2023: €565k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€497k-€550k▲ 10.6%€586k▲ 6.5%€653k▲ 11.5%€423k▼ 35.3%

Operating result€174k-€97k▼ 44.3%€78k▼ 19.2%€126k▲ 60.7%€-197k

Net result€113k-€53k▼ 53.3%€36k▼ 32.5%€67k▲ 88.5%€-230k

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €197k after €126k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €1.21M

93.7%

Fixed assets €76k▼ 23.2%

Current assets €1.13M▼ 21.1%

Equity and liabilities €1.21M

35.0%

65.0%

Equity €423k▼ 35.3%

Debt €784k▼ 10.8%

The debt ratio rises from 57.4% to 65.0%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-173k▼

2023 · €165k

Cash flow

€-206k▼

2023 · €106k

Solvency

35.0%▼

2023 · 42.6%

Current ratio

1.44▼

2023 · 1.65

Quick ratio

1.26▼

2023 · 1.47

Debt / equity

1.86▲

2023 · 1.35

ROE

-54.5%▼

2023 · 10.3%

ROA

-19.1%▼

2023 · 4.4%

Interest coverage

-5.16▼

2023 · 5.79

Debt

€784k▼

2023 · €879k

Debt ≤ 1 year

€784k▼

2023 · €868k

Income taxes

€471▼

2023 · €31k

Staff costs

€373k▼

2023 · €440k

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€1.53M€1.21M▼

Fixed assets21/28€99k€76k▼

Tangible fixed assets22/27€80k€57k▼

Plant, machinery and equipment23€22k€14k▼

Furniture and vehicles24€11k€3k▼

Other tangible fixed assets26€47k€40k▼

Financial fixed assets28€19k€19k=

Current assets29/58€1.43M€1.13M▼

Stocks and contracts in progress3€158k€141k▼

Stocks30/36€158k€141k▼

Amounts receivable within one year40/41€1.09M€904k▼

Trade receivables40€843k€841k▼

Other amounts receivable41€243k€62k▼

Cash at bank and in hand54/58€150k€50k▼

Deferred charges and accrued income490/1€38k€36k▼

Equity and liabilities

Total equity and liabilities10/49€1.53M€1.21M▼

Equity10/15€653k€423k▼

Contributions10/11€19k€19k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€632k€402k▼

Amounts payable17/49€879k€784k▼

Amounts payable after more than one year17€11k-

Financial debts170/4€11k-

Amounts payable within one year42/48€868k€784k▼

Current portion of amounts payable after more than one year42€284k€11k▼

Financial debts43-€400k

Credit institutions430/8-€400k

Trade debts44€462k€319k▼

Suppliers440/4€462k€319k▼

Taxes, remuneration and social security45€108k€53k▼

Taxes450/3€59k€30k▼

Remuneration and social security454/9€49k€24k▼

Other amounts payable47/48€13k-

Income statement Code20232024

Remuneration, social security and pensions62€440k€373k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€24k▼

Other operating charges640/8€5k€4k▼

Gross operating margin9900€609k€204k▼

Operating profit (loss)9901€126k€-197k▼

Financial income75/76B€268€502▲

Recurring financial income75€268€502▲

Financial charges65/66B€29k€33k▲

Recurring financial charges65€29k€33k▲

Profit (loss) for the period before taxes9903€98k€-230k▼

Income taxes67/77€31k€471▼

Profit (loss) for the period9904€67k€-230k▼

Profit (loss) for the period to be appropriated9905€67k€-230k▼

Appropriation of the result

Profit (loss) to be appropriated9906€632k€402k▼

Profit (loss) brought forward from the previous period14P€565k€632k▲

Social balance

Average headcount (FTE)9087-8.0

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 2Filings 7

2025

31-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 31 days late

2024

31-12

Financial Weakest financial yearnet €-230k ▼443%

Net result drops to €-230k, the lowest in the series.

09-09

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 40 days late

2023

31-07

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

02-08

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 2 days late

2021

31-12

Financial Equity above €500kEq €550k ▲10.6%

4 profitable years in a row build equity to €550k.

05-08

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 5 days late

2020

31-07

NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

23-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 23 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, Liège · 1 establishment unit since 2018

establishment The establishment unit on the map

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 des Genêts 544000 Liège

Ground area

628 m²

Building footprint

840 m²

Volume, LiDAR

3,402 m³

Parcel 62818D0392/00F000, Wallonia · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

ETS BONSIGNORE

Rue des Genêts 54, 4000 LiègeConstruction of roads and motorways

since 20182.275.245.559

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62818D0392/00F000	Wallonia	628 m²	1 · 840 m²	9.3 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.

Recognitions · licences · registrations

Recognised contractor

1 category

ETS BONSIGNORE SRL40864

category D10, class 4

decision 20-06-2022

Similar companies · same sector, comparable size

ALGEMENE BOUWONDERNEMING VERBOVEN - REYNDERS

BE 0431.870.130

Beringen · Eq €426k

ENTREPRISES DE CARRELAGES LETENS ET FILS

BE 0448.229.575

Courcelles · Eq €427k

Of 3,964 companies in sector 43331 we hold annual accounts for 1,791. 1,134 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-03-2018

Fiscal year end31-12

Activities, NACEBEL

43331Floor and wall tiling

43230Insulation installation

43291Specialised construction activities

43422Screed work

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.