MB Bouwconstruct
ActiveMB Bouwconstruct has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €-8k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 2152 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▼-29
Solvency60▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.86 in 2024; short-term debt: 28.9% and cash: 5% of total assets), and 65.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
raises risk · 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 2025Solvency, return and age of the figures
Solvency
34.6%
Return on assets
-3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
6 d late
2023
13 d early
2022
34 d early
2021
34 d early
2020
1 d early
2019
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€92k▼ 8.0%
2024 · €100k
2018: €40k
2019: €47k
2020: €49k
2021: €56k
2022: €59k
2023: €94k
2024: €100k
2018 → 2025
Total assets
€267k▲ 3.9%
2024 · €257k
2018: €101k
2019: €165k
2020: €83k
2021: €83k
2022: €263k
2023: €253k
2024: €257k
2018 → 2025
Net result
€-8k
2024 · €7k
2018: €15k
2019: €19k
2020: €7k
2021: €8k
2022: €3k
2023: €35k
2024: €7k
2018 → 2025
Working capital
€26k▼ 41.2%
2024 · €44k
2018: €24k
2019: €29k
2020: €35k
2021: €51k
2022: €12k
2023: €43k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€59k▲ 4.9%€94k▲ 58.8%€100k▲ 7.0%€92k▼ 8.0%
Operating result€10k-€6k▼ 42.2%€39k▲ 545%€12k▼ 68.3%€-6k
Net result€8k-€3k▼ 64.8%€35k▲ 1,160%€7k▼ 78.7%€-8k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €267k
Fixed assets
€164k▲ 1.5%
Current assets
€103k▲ 8.0%
Equity and liabilities €267k
Equity
€92k▼ 8.0%
Debt
€174k▲ 11.6%
The debt ratio rises from 60.8% to 65.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €28k
Cash flow
€10k▼
2024 · €23k
Solvency
34.6%▼
2024 · 39.2%
Current ratio
1.34▼
2024 · 1.86
Quick ratio
0.77▼
2024 · 1.29
Debt / equity
1.89▲
2024 · 1.55
ROE
-8.7%▼
2024 · 7.4%
ROA
-3.0%▼
2024 · 2.9%
Interest coverage
3.38▼
2024 · 8.19
Debt
€174k▲
2024 · €156k
Debt ≤ 1 year
€77k▲
2024 · €51k
Debt > 1 year
€97k▼
2024 · €105k
Income taxes
€259▼
2024 · €4k
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€257k€267k▲
Fixed assets21/28€161k€164k▲
Tangible fixed assets22/27€161k€164k▲
Land and buildings22€137k€130k▼
Plant, machinery and equipment23€24k€16k▼
Furniture and vehicles24-€18k
Current assets29/58€95k€103k▲
Stocks and contracts in progress3€29k€43k▲
Stocks30/36€16k€2k▼
Contracts in progress37€13k€41k▲
Amounts receivable within one year40/41€42k€43k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€39k€40k▲
Cash at bank and in hand54/58€22k€13k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€257k€267k▲
Equity10/15€100k€92k▼
Contributions10/11€19k€19k=
Reserves13€11k€11k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€71k€63k▼
Amounts payable17/49€156k€174k▲
Amounts payable after more than one year17€105k€97k▼
Financial debts170/4€105k€97k▼
Amounts payable within one year42/48€51k€77k▲
Current portion of amounts payable after more than one year42€21k€26k▲
Trade debts44€23k€45k▲
Suppliers440/4€23k€45k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€890-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€19k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€30k€15k▼
Operating profit (loss)9901€12k€-6k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€11k€-8k▼
Income taxes67/77€4k€259▼
Profit (loss) for the period9904€7k€-8k▼
Profit (loss) for the period to be appropriated9905€7k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€63k▼
Profit (loss) brought forward from the previous period14P€64k€71k▲
Profit to be distributed694/7€890-
Return on contributions (dividend)694€890-
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
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-8k ▼209%
Net result drops to €-8k, the lowest in the series.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
31-12
Financial
Equity above €100kEq €100k ▲7%
7 profitable years in a row build equity to €100k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €35k ▲1160%
Operating result €39k, net result €35k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
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
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, Pelt · 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.
Kaulillerweg(SHL) 453910 PeltGround area
877 m²
Building footprint
178 m²
Volume, LiDAR
1,156 m³
Parcel 72033B0968/00P000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MB Bouwconstruct
since 20132.220.381.369
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72033B0968/00P000 | Flanders | 877 m² | 1 · 178 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 84 EUR awarded · 84 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 84 EUR | 84 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,152 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43331Floor and wall tiling
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.