Equity
€71,269 ▲ 12.9%
IBV Construct has made a profit in every financial year since 2022.
IBV Construct
Lifetime
4 annual accounts with figures on one time axispeak €31,329 (2023)
€19,226▼ 9.3%
peak €21,895 (2023)
€8,155▼ 30.1%
peak €71,269 (2025)
€71,269▲ 12.9%
€33,702▲ 85.2%
Board5 names since 2018
1 directorBODOSCA Iosif
Documentsfilings and deeds
24-02-20264 days before the deadline
2025micro format
Result from €11,666 to €8,155Equity from €63,113 to €71,269Debts from €18,200 to €33,702Cash from €2,972 to €12,412
Key points
from the 2025 annual accountsChecked score
83
Excellent
Financially stronger than 59% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 1.2%▲ +0.7 percentage points vs 02-2025
04-2025: 1.2%● unchanged vs 03-2025
05-2025: 1.2%● unchanged vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025
07-2025: 1.2%● unchanged vs 06-2025
08-2025: 1.2%● unchanged vs 07-2025
09-2025: 1.3%▲ +0.1 percentage points vs 08-2025
10-2025: 1.2%▼ -0.1 percentage points vs 09-2025
11-2025: 1.3%▲ +0.1 percentage points vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.3%● unchanged vs 12-2025
02-2026: 1.4%▲ +0.1 percentage points vs 01-2026highest value
03-2026: 0.5%▼ -0.9 percentage points vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.4%▼ -0.1 percentage points vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026lowest value
10-2026: 0.5%▲ +0.1 percentage points vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €104,971
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 2.81, cash €12,412
Equity €71,269 (67.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 74% of them on solvency, 45% on liquidity, 56% on profitability and 59% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-07-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as IBV Construct has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of IBV Construct itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for IBV Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.81 (3.62 in 2024), above the usual 1.5. Short-term debt is 32.1% and cash 11.8% of total assets. 32.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 24-02-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 days early
2024
on the day
2023
2 days early
2022
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 2 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-07-2026 is due by 28-02-2027. Nothing is late today. The company usually files around 28 February (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-07-2026 year end10-11-2026 today28-02-2027 deadline
Board and ownership
- BODOSCA Iosif 80 sharesdeed of 06-03-2024
- BODOSCA Ramona 10 sharesdeed of 06-03-2024
- KAZUKU Ivan 2 sharesdeed of 06-03-2024
Recent changes
Company renamed to IBV Construct
New name: IBV Construct · Change of role: BODOSCA Iosif, from statutory manager to statutory director · Resignation: BODOSCA Ramona (statutory manager) · General meeting of 29-02-2024 · Gazette deed
Transfer of 25 shares from ANITA Adrian-Mirel
Resignation: ANITA Adrian-Mirel (directeur technique des opérations pour les compétences professionnelles liées aux métiers du bâtiment) · BODOSCA losif holds 90 shares · BODOSCA Ramona holds 10 shares · General meeting of 10-01-2022 · Gazette deed
1 director appointed, 1 manager appointed, 1 resignation, 1 resignation
Transfer of 38 shares from NEACSU Gabriel-Andrei to BODOSCA losif · Transfer of 25 shares from VASILOAEA Gheorghita to BODOSCA losif · Transfer of 2 shares from GAGIU Vasile · General meeting of 01-10-2018 · Gazette deed
Incorporation
published on 08-03-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| IBV Construct Schaerbeek | - | - | 67.9% | - |
| R.P. RYTEL RENOV Schaerbeek | - | - | 57.6% | - |
| ISA CONCEPT Jette | - | - | 80.7% | - |
| SUKCES Sint-Gillis (bij-Brussel) | - | - | 60.7% | - |
| valentindecor & cie Anderlecht | €250,684 | 3.5% | 65.4% | - |
| LA CLEANU Anderlecht | €332,006 | 5.3% | 26.4% | - |
| RENODEL Dilbeek | - | - | 85.2% | - |
These companies have the same main activity as IBV Construct: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €91,600 and €130,000, founded between 2017 and 2018.
Official details
Source: KBO- Status
- Active since 26-02-2018Normal situation
- Activity
- Other specialised construction activitiesNACE 43990
- Establishment unit
- 2.280.963.7101030 Schaerbeek, since 26-02-2018
- Financial year end
- 31 July
- Peppol
- Reachable
Annual accounts to 31-07-2025
- €104,971▲ 29.1%
- Filing
- Filed on 24-02-2026, 4 days before the end of the filing period
Insights on IBV Construct
IBV Construct files the micro format. That format states no turnover. The gross margin rose from €15,672 in 2022 to €19,226 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about IBV Construct
- What is the company number of IBV Construct?
- The company number of IBV Construct is 0690.930.505. The VAT number is the same number with BE in front: BE 0690.930.505.
- Where is IBV Construct based?
- The registered office is at Topaaslaan 36, 1030 Schaerbeek.Company details
- What does IBV Construct do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of IBV Construct?
- IBV Construct is a private limited company (BV).
- When was IBV Construct founded?
- IBV Construct was founded on 26-02-2018.
- Is IBV Construct still active?
- Yes, IBV Construct is an active enterprise in the KBO register.
- How many employees does IBV Construct have?
- IBV Construct had an average of 0.1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of IBV Construct?
- The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €19,226 and 201 comparable companies (NACE 43990). It probably lies between €140,000 and €490,000. It is a rough estimate.
- Is IBV Construct profitable?
- In financial year 2025, IBV Construct made a profit of €8,155.
- Where can I find the annual accounts of IBV Construct?
- IBV Construct filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of IBV Construct due?
- IBV Construct must file the annual accounts for financial year 2026 by 28-02-2027.Timeline
Next steps
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