KB-Bouw

Active

Private limited companyfounded 20224 yrs activeDe Wandelaar 27, 8370 Blankenberge, BelgiumKBO/BCE: BE 0790.190.011

The computed 12-month bankruptcy probability of KB-Bouw is 2.9% (moderate). The 2025 annual accounts show equity of €5k and a net result of €-196. Equity is shrinking by ~43% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 28% of 7415 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

53 / 100

Fair

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

Axes · tick = 2024

Profitability68▲+1

Solvency47▲+5

Growth32=

Track record94

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

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

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

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 →

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 2025

Solvency, return and age of the figures

Solvency

22.4%

Return on assets

-0.8%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-04-2026, 22 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

22 d early

2024

1 d early

2023

1 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

20-09-2026 today30-09-2026 close30-04-2027 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 2025, micro schema

Equity

€5k▼ 3.6%

2024 · €5k

2023: €10k 2024: €5k

2023 → 2025

Total assets

€24k▼ 25.3%

2024 · €32k

2023: €42k 2024: €32k

2023 → 2025

Net result

€-196▲ 63.0%

2024 · €-529

2023: €6k 2024: €-529

2023 → 2025

Working capital

€2k▲ 5.4%

2024 · €2k

2023: €10k 2024: €2k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€10k-€5k▼ 45.2%€5k▼ 3.6%

Operating result€9k-€251▼ 97.1%€903▲ 261%

Net result€6k-€-529€-196▲ 63.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 261% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €24k

79.9%

20.1%

Fixed assets €19k▼ 25.7%

Current assets €5k▼ 23.7%

Equity and liabilities €24k

22.4%

77.6%

Equity €5k▼ 3.6%

Debt €18k▼ 29.9%

The debt ratio falls from 82.7% to 77.6%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€8k▲

2024 · €7k

Cash flow

€7k▲

2024 · €6k

Solvency

22.4%▲

2024 · 17.3%

Current ratio

1.73▲

2024 · 1.44

Quick ratio

1.73▲

2024 · 1.44

Debt / equity

3.47▼

2024 · 4.77

ROE

-3.7%▲

2024 · -9.6%

ROA

-0.8%▲

2024 · -1.7%

Interest coverage

8.96▲

2024 · 6.12

Debt

€18k▼

2024 · €26k

Debt ≤ 1 year

€3k▼

2024 · €4k

Debt > 1 year

€16k▼

2024 · €22k

Income taxes

€156▲

2024 · €-396

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€32k€24k▼

Fixed assets21/28€25k€19k▼

Tangible fixed assets22/27€25k€19k▼

Land and buildings22€4k€4k▼

Furniture and vehicles24€22k€15k▼

Current assets29/58€6k€5k▼

Amounts receivable within one year40/41€6k€5k▼

Trade receivables40€3k€4k▲

Other amounts receivable41€3k€728▼

Cash at bank and in hand54/58€206€86▼

Equity and liabilities

Total equity and liabilities10/49€32k€24k▼

Equity10/15€5k€5k▼

Contributions10/11€5k€5k=

Outside capital11€5k€5k=

Other1109/19€5k€5k=

Profit (loss) carried forward14€493€298▼

Amounts payable17/49€26k€18k▼

Amounts payable after more than one year17€22k€16k▼

Financial debts170/4€22k€16k▼

Amounts payable within one year42/48€4k€3k▼

Trade debts44€329€3k▲

Suppliers440/4€329€3k▲

Taxes, remuneration and social security45€1k€156▼

Taxes450/3€1k€156▼

Other amounts payable47/48€3k-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲

Other operating charges640/8€421€1k▲

Gross operating margin9900€8k€10k▲

Operating profit (loss)9901€251€903▲

Financial charges65/66B€1k€943▼

Recurring financial charges65€1k€943▼

Profit (loss) for the period before taxes9903€-924€-40▲

Income taxes67/77€-396€156▲

Profit (loss) for the period9904€-529€-196▲

Profit (loss) for the period to be appropriated9905€-529€-196▲

Appropriation of the result

Profit (loss) to be appropriated9906€4k€298▼

Profit (loss) brought forward from the previous period14P€5k€493▼

Profit to be distributed694/7€4k-

Return on contributions (dividend)694€4k-

The notes to these accounts (5 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 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 30-04-2027

2026

08-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

29-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Weakest financial yearnet €-529 ▼109%

Net result drops to €-529, the lowest in the series; recovery starts the following year.

29-04

NBB filing Annual accounts filed

fiscal year 2023 · 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, Blankenberge · 1 establishment unit since 2022

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.

De Wandelaar 278370 Blankenberge

Ground area

601 m²

Building footprint

192 m²

Volume, LiDAR

978 m³

Parcel 31602B0161/00Z000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

KB-Bouw

De Wandelaar 27, 8370 BlankenbergeGeneral construction of buildings

since 20222.334.782.080

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31602B0161/00Z000	Flanders	601 m²	1 · 192 m²	7.7 m · 2 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

Tadek Entreprise Générale de Bâtiment

Fontaine-l'Evêque · Eq €5k

SAM RENOV

BE 0479.117.939

Brussel · Eq €5k

Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 6,679 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-08-2022

Fiscal year end30-09

Activities, NACEBEL

41001General construction of residential buildings

43110Demolition

43211General electrical installation work

43240Other construction installation

43299Specialised construction activities

43320Joinery installation

43410Roofing work

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.