Equity
€12,037 ▲ 39.4%
KNUTS BUILDINGS has made a profit in every financial year since 2021.
KNUTS BUILDINGS
Lifetime
5 annual accounts with figures on one time axispeak €146,552 (2025)
€146,552▲ 31.8%
peak €3,400 (2025)
€3,400▲ 394%
peak €12,037 (2025)
€12,037▲ 39.4%
€273,184▼ 23.9%
peak 0.8 FTE (2021)
-not published
Board1 name since 2019
1 directorKristof Knuts
Documentsfilings and deeds
29-01-20262 days before the deadline
2025micro format
Gross margin from €111,229 to €146,552Result from €688 to €3,400Equity from €8,636 to €12,037Debts from €359,015 to €273,184Cash from €81,972 to €48,817
Key points
from the 2025 annual accountsTurnover
≈ €480,000 estimated
The micro format states no turnover.
Debts
€273,184 96% of the balance sheet
Financial debts 49%Suppliers 10%Taxes and wages 13%Other 28%
Of this, €140,682 falls due within a year.
Staff
3 employees on 30-06-2025
In 2025, 2 people joined and 1 left.
Filings
5 annual accounts 1 late
The 2023 accounts came 27 days late. The other four were filed on time.
Position in the sector
4.2%
Lower solvency than 85% of companies in construction of buildings. Sector median 42.9% · 9,452 companies.
Checked score
54
Fair
Financially stronger than 42% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.1%
01-2025: 3.2%▲ +0.1 percentage points vs 12-2024highest value
02-2025: 1.9%▼ -1.3 percentage points vs 01-2025
03-2025: 1.9%● unchanged vs 02-2025
04-2025: 1.9%● unchanged vs 03-2025
05-2025: 1.9%● unchanged vs 04-2025
06-2025: 1.9%● unchanged vs 05-2025
07-2025: 2.0%▲ +0.1 percentage points vs 06-2025
08-2025: 2.0%● unchanged vs 07-2025
09-2025: 2.2%▲ +0.2 percentage points vs 08-2025
10-2025: 1.9%▼ -0.3 percentage points vs 09-2025
11-2025: 1.8%▼ -0.1 percentage points vs 10-2025
12-2025: 1.7%▼ -0.1 percentage points vs 11-2025lowest value
01-2026: 1.9%▲ +0.2 percentage points vs 12-2025
02-2026: 1.8%▼ -0.1 percentage points vs 01-2026
03-2026: 1.8%● unchanged vs 02-2026
04-2026: 1.8%● unchanged vs 03-2026
05-2026: 1.8%● unchanged vs 04-2026
06-2026: 1.8%● unchanged vs 05-2026
07-2026: 1.8%● unchanged vs 06-2026
08-2026: 1.8%● unchanged vs 07-2026
09-2026: 1.8%● unchanged vs 08-2026
10-2026: 1.9%▲ +0.1 percentage points vs 09-2026
11-2026: 1.9%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2019
Equity €12,037 (4.2% of total assets)
lowers risk
Liquidity: current ratio 0.44, cash €48,817
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 41, micro). It does better than 14% of them on solvency, 46% on liquidity, 33% on profitability and 75% on growth.
The bankruptcy probability was computed on 08-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 1,251 companies had the same profile as KNUTS BUILDINGS has now. Each dot stands for 4 companies, two years later.
94.4%
were still trading
2.7%
stopped another way
2.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of KNUTS BUILDINGS itself: 1.9% 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 1,251 companies, not a prediction for KNUTS BUILDINGS. 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 €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.44 (0.63 in 2024), below 1. Short-term debt is 49.3% and cash 17.1% of total assets. 95.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9452 sector peers (2025).
NBB · sector comparisonPosition among 9452 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 days early
2024
1 day early
2023
27 days late
2022
on the day
2021
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 5 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end08-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0730766029
Incorporation
published on 18-07-2019 · Gazette deed
First establishment
Stationsstraat 103, Dilsen-Stokkem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| KNUTS BUILDINGS Dilsen-Stokkem | €285,220 | €146,552 | 4.2% | - |
| ABB&Z AANNEMING Bree | €366,473 | €172,425 | 49.7% | - |
| Van Broekhoven Davy Bouwwerken Kinrooi | €230,149 | €141,269 | 19.9% | - |
| BOUWWERKEN WATTENY BART Lichtervelde | €242,509 | €138,628 | 33.4% | - |
| Jonas De Clercq Oudenaarde | €234,502 | €124,312 | 54.0% | - |
| K2@WORK Sint-Truiden | €368,681 | €108,957 | 49.2% | - |
| JACOBS i3 Oudsbergen | €575,594 | €174,775 | 24.5% | 5 |
These companies have the same main activity as KNUTS BUILDINGS: general construction of other non-residential buildings (NACE 41003). They are comparable in size and age: total assets between €230,000 and €576,000, founded between 2017 and 2020.
Official details
Source: KBO- Status
- Active since 16-07-2019Normal situation
- Activity
- General construction of other non-residential buildingsNACE 41003and 2 others
- Joint committees
- 124Construction
- 200Auxiliary committee for white-collar workers · annual accounts 30-06-2025
- Establishment unit
- 2.291.596.0963650 Dilsen-Stokkem, since 16-07-2019
- Financial year end
- 30 June
- Peppol
- Reachable since 15-04-2025
Annual accounts to 30-06-2025
- €285,220▼ 22.4%
- Employeeson 30-06-2025
- 3▲ 50.0%
- Filing
- Filed on 29-01-2026, 2 days before the end of the filing period
Insights on KNUTS BUILDINGS
KNUTS BUILDINGS files the micro format. That format states no turnover. The gross margin rose from €109,062 in 2021 to €146,552 in 2025.
The balance sheet grew most from 2022 to 2024 through fixed assets.
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 KNUTS BUILDINGS
- What is the company number of KNUTS BUILDINGS?
- The company number of KNUTS BUILDINGS is 0730.766.029. The VAT number is the same number with BE in front: BE 0730.766.029.
- Where is KNUTS BUILDINGS based?
- The registered office is at Stationsstraat 103, 3650 Dilsen-Stokkem.Company details
- What does KNUTS BUILDINGS do?
- According to the KBO register, the main activity is general construction of other non-residential buildings (NACE 41003).
- What is the legal form of KNUTS BUILDINGS?
- KNUTS BUILDINGS is a private limited company (BV).
- When was KNUTS BUILDINGS founded?
- KNUTS BUILDINGS was founded on 16-07-2019.
- Is KNUTS BUILDINGS still active?
- Yes, KNUTS BUILDINGS is an active enterprise in the KBO register.
- How many employees does KNUTS BUILDINGS have?
- KNUTS BUILDINGS had an average of 2.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does KNUTS BUILDINGS fall under?
- In its 30-06-2025 annual accounts, KNUTS BUILDINGS states joint committees 124 (Construction) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of KNUTS BUILDINGS?
- The turnover in financial year 2025 is ≈ €480,000. This figure is estimated from the gross margin of €146,552 and 102 comparable companies (NACE 410). It probably lies between €340,000 and €730,000. In financial year 2024 turnover was €440,889.
- Is KNUTS BUILDINGS profitable?
- In financial year 2025, KNUTS BUILDINGS made a profit of €3,400.
- Where can I find the annual accounts of KNUTS BUILDINGS?
- KNUTS BUILDINGS filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of KNUTS BUILDINGS due?
- KNUTS BUILDINGS must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.