MINIM CONSTRUCTION
ActiveThe computed 12-month bankruptcy probability of MINIM CONSTRUCTION is 2.2% (moderate). The 2025 annual accounts show equity of €203k and a net result of €73k. Equity is growing by ~38.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 7431 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency94▼-3
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.97 against 3.1 in 2024; short-term debt: 31.3% and cash: 67.4% of total assets), and 31.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
68.7%
Return on assets
24.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
25 d late
2024
56 d late
2023
16 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€73k▲ 85.5%
2024 · €39k
2023: €138k
2024: €39k
2023 → 2025
Working capital
€182k▲ 69.1%
2024 · €108k
2023: €89k
2024: €108k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€101k-€131k▲ 29.0%€203k▲ 55.3%
Operating result€175k-€58k▼ 66.7%€91k▲ 56.4%
Net result€138k-€39k▼ 71.5%€73k▲ 85.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €296k
Fixed assets
€21k▼ 9.4%
Current assets
€275k▲ 72.7%
Equity and liabilities €296k
Equity
€203k▲ 55.3%
Debt
€93k▲ 80.2%
The debt ratio rises from 28.2% to 31.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€102k▲
2024 · €66k
Cash flow
€84k▲
2024 · €47k
Solvency
68.7%▼
2024 · 71.8%
Current ratio
2.97▼
2024 · 3.10
Quick ratio
2.97▼
2024 · 3.10
Debt / equity
0.46▲
2024 · 0.39
ROE
36.0%▲
2024 · 30.2%
ROA
24.7%▲
2024 · 21.6%
Interest coverage
643.62▼
2024 · 1502.83
Debt
€93k▲
2024 · €51k
Debt ≤ 1 year
€93k▲
2024 · €51k
Income taxes
€19k▼
2024 · €20k
Staff costs
€15k▲
2024 · €9k
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€182k€296k▲
Formation expenses20€0-
Fixed assets21/28€23k€21k▼
Tangible fixed assets22/27€23k€21k▼
Plant, machinery and equipment23€20k€15k▼
Furniture and vehicles24€3k€5k▲
Financial fixed assets28-€205
Current assets29/58€159k€275k▲
Amounts receivable within one year40/41€77k€68k▼
Trade receivables40€43k€65k▲
Other amounts receivable41€34k€4k▼
Cash at bank and in hand54/58€72k€200k▲
Deferred charges and accrued income490/1€10k€7k▼
Equity and liabilities
Total equity and liabilities10/49€182k€296k▲
Equity10/15€131k€203k▲
Contributions10/11€13k€13k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€68k€140k▲
Amounts payable17/49€51k€93k▲
Amounts payable within one year42/48€51k€93k▲
Trade debts44€26k€50k▲
Suppliers440/4€26k€50k▲
Taxes, remuneration and social security45€15k€42k▲
Taxes450/3€15k€38k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€10k€583▼
Income statement
Code20242025
Remuneration, social security and pensions62€9k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€515€1k▲
Gross operating margin9900€76k€119k▲
Operating profit (loss)9901€58k€91k▲
Financial income75/76B€715€1k▲
Recurring financial income75€715€1k▲
Financial charges65/66B€44€159▲
Recurring financial charges65€44€159▲
Profit (loss) for the period before taxes9903€59k€92k▲
Income taxes67/77€20k€19k▼
Profit (loss) for the period9904€39k€73k▲
Profit (loss) for the period to be appropriated9905€39k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€128k€141k▲
Profit (loss) brought forward from the previous period14P€88k€68k▼
Transfer to equity691/2€50k-
To other reserves6921€50k-
Profit to be distributed694/7€10k€833▼
Return on contributions (dividend)694€10k€833▼
The notes to these accounts (9 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €200kEq €203k ▲55.3%
3 profitable years in a row build equity to €203k.
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 56 days late
2024
31-12
Financial
Weakest financial yearnet €39k ▼71.5%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · full 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, Chaumont-Gistoux · 1 establishment unit since 2023
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.
Rue Somville 181325 Chaumont-GistouxGround area
1,581 m²
Building footprint
153 m²
Parcel 25018E0334/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MINIM
since 20232.343.963.329
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018E0334/00A000 | Wallonia | 1,581 m² | 1 · 153 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
648800OJC43PUCW2MX15
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Imadu
BE 0783.932.521
Deinze · Eq €203k
123 Construct
BE 0763.380.397
Gent · Eq €203k
DIRO - BOUW
BE 0461.916.572
Ardooie · Eq €203k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2023
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43990Other specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.