KSK BOUWCONCEPT
ActiveSummary
KSK BOUWCONCEPT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €369k and a net result of €67k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+3
Solvency89▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.75 against 2.62 in 2024; short-term debt: 36.3% and cash: 26.2% of total assets), and 36.4% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
63.6%
Return on assets
11.5%
Age of the figures
15 mo
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
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 04-12-2025, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
66 d early
2023
2 d early
2022
90 d early
2021
125 d early
2020
122 d early
2019
112 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€369k▲ 22.2%
2024 · €302k
2019: €94k
2020: €128k
2021: €166k
2022: €208k
2023: €257k
2024: €302k
2019 → 2025
Total assets
€579k▲ 18.8%
2024 · €488k
2019: €277k
2020: €300k
2021: €350k
2022: €252k
2023: €329k
2024: €488k
2019 → 2025
Net result
€67k▲ 50.5%
2024 · €44k
2019: €24k
2020: €34k
2021: €39k
2022: €42k
2023: €49k
2024: €44k
2019 → 2025
Working capital
€369k▲ 22.2%
2024 · €302k
2019: €-76k
2020: €25k
2021: €73k
2022: €202k
2023: €255k
2024: €302k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€166k-€208k▲ 25.2%€257k▲ 23.6%€302k▲ 17.3%€369k▲ 22.2%
Operating result€53k-€58k▲ 10.8%€68k▲ 16.8%€61k▼ 10.0%€93k▲ 50.6%
Net result€39k-€42k▲ 8.8%€49k▲ 17.3%€44k▼ 9.6%€67k▲ 50.5%
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 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €579k
Fixed assets
€350 =
Current assets
€579k ▲ 18.8%
Equity and liabilities €579k
Equity
€369k ▲ 22.2%
Debt
€211k ▲ 13.4%
Debt's share of the balance-sheet total falls from 38.1% to 36.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€93k▲
2024 · €64k
Cash flow
€67k▲
2024 · €47k
Current ratio
2.75▲
2024 · 2.62
Quick ratio
0.98▲
2024 · 0.62
Debt to equity
0.57▼
2024 · 0.62
ROE
18.1%▲
2024 · 14.7%
ROA
11.5%▲
2024 · 9.1%
Interest coverage
2129.36▲
2024 · 525.25
Debt ≤ 1 year
€210k▲
2024 · €186k
Income taxes
€26k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€488k€579k▲
Fixed assets21/28€350€350=
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Financial fixed assets28€350€350=
Current assets29/58€487k€579k▲
Stocks and contracts in progress3€371k€372k▲
Stocks30/36€11k€12k▲
Contracts in progress37€360k€360k=
Amounts receivable within one year40/41€16k€52k▲
Trade receivables40€13k€46k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€99k€152k▲
Deferred charges and accrued income490/1€897€3k▲
Equity and liabilities
Total equity and liabilities10/49€488k€579k▲
Equity10/15€302k€369k▲
Contributions10/11€19k€19k=
Reserves13€283k€350k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€283k€350k▲
Profit (loss) carried forward14€4€4▲
Amounts payable17/49€186k€211k▲
Amounts payable within one year42/48€186k€210k▲
Trade debts44€30k€47k▲
Suppliers440/4€30k€47k▲
Taxes, remuneration and social security45€16k€24k▲
Taxes450/3€16k€24k▲
Other amounts payable47/48€140k€140k=
Accrued charges and deferred income492/3€223€225▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€0▼
Other operating charges640/8€620€700▲
Gross operating margin9900€65k€93k▲
Operating profit (loss)9901€61k€93k▲
Financial income75/76B-€44
Recurring financial income75-€44
Financial charges65/66B€122€44▼
Recurring financial charges65€122€44▼
Profit (loss) for the period before taxes9903€61k€93k▲
Income taxes67/77€17k€26k▲
Profit (loss) for the period9904€44k€67k▲
Profit (loss) for the period to be appropriated9905€44k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€67k▲
Profit (loss) brought forward from the previous period14P€3€4▲
Transfer to equity691/2€44k€67k▲
To other reserves6921€44k€67k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
04-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €67k ▲50.5%
Operating result €93k, net result €67k, both a record.
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Liquidity quadruplescurrent ratio 5.66
Current ratio from 1.40 to 5.66; short-term debt falls from €183k to €43k.
30-06
Financial
Equity above €200kEq €208k ▲25.2%
4 profitable years in a row build equity to €208k.
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Equity above €150kEq €166k ▲30.1%
3 profitable years in a row build equity to €166k.
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Equity above €100kEq €128k ▲36.5%
2 profitable years in a row build equity to €128k.
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
12-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
21-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Wellen · 1 establishment unit since 2013
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.
Herenstraat 363830 WellenGround area
1,960 m²
Building footprint
304 m²
Volume, LiDAR
1,241 m³
2 parcels, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KSK Bouwconcept
since 20132.218.209.955
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73098E0314/00M000 | Flanders | 1,024 m² | 1 · 134 m² | 6.6 m · 1 fl. |
| 73098E0814/00P000 | Flanders | 936 m² | 1 · 170 m² | 5.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
GS CONSTRUCTION
BE 0428.360.710
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V.B.C.O.
BE 0835.277.787
Herzele · Eq €368,499
M.V.D. MICHIELS
BE 0465.922.771
Kortenberg · Eq €368,496
VERCRUYSSEN CONSTRUCTION
BE 0768.303.643
Péruwelz · Eq €368,908
Anckaert
BE 0461.241.928
Houthulst · Eq €368,324
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 10,328 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2013
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
43350Other building finishing work
47521Retail sale of hardware, building materials, paint and glass (general range)
68110Buying and selling of own real estate
71113Urban planning and landscape architecture
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.