NIAGARA BOUW
ActiveThe computed 12-month bankruptcy probability of NIAGARA BOUW is 2.7% (moderate). The 2024 annual accounts show equity of €20k and a net result of €15k. Its solvency ranks better than 20% of 9982 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability61
Solvency37
Growth-
Track record67
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.14; short-term debt: 87.6% of total assets), and 87.6% 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.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 →
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 2024Solvency, return and age of the figures
Solvency
12.4%
Return on assets
9.4%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9982 sector peers (2024).
NBB · sector comparisonPosition among 9982 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 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 · 1 filingDeviation from the deadline
2024
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€20k
Total assets
€162k
Net result
€15k
Working capital
€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €162k
Equity
€20k
Debt
€142k
Debt finances 87.6% of the balance-sheet total.
Key figures and ratios
Solvency
12.4%
Current ratio
1.14
Quick ratio
1.14
Debt / equity
7.03
ROE
75.2%
ROA
9.4%
Debt
€142k
Debt ≤ 1 year
€142k
Income taxes
€4k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€162k
Current assets29/58€162k
Amounts receivable within one year40/41€162k
Trade receivables40€157k
Other amounts receivable41€5k
Equity and liabilities
Total equity and liabilities10/49€162k
Equity10/15€20k
Contributions10/11€5k
Profit (loss) carried forward14€15k
Amounts payable17/49€142k
Amounts payable within one year42/48€142k
Financial debts43€0
Credit institutions430/8€0
Trade debts44€128k
Suppliers440/4€128k
Taxes, remuneration and social security45€13k
Taxes450/3€4k
Remuneration and social security454/9€10k
Income statement
Code2024
Gross operating margin9900€19k
Operating profit (loss)9901€19k
Financial charges65/66B€0
Recurring financial charges65€0
Profit (loss) for the period before taxes9903€19k
Income taxes67/77€4k
Profit (loss) for the period9904€15k
Profit (loss) for the period to be appropriated9905€15k
Appropriation of the result
Profit (loss) to be appropriated9906€15k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
NBB filing
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, Ternat · 1 establishment unit since 2024
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.
Assesteenweg 651740 TernatGround area
5,299 m²
Building footprint
809 m²
Volume, LiDAR
5,296 m³
2 parcels, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NIAGARA BOUW
since 20242.368.399.114
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086B0225/00N000 | Flanders | 4,916 m² | 1 · 451 m² | 10.5 m · 3 fl. |
| 23322E0112/00B004 | Flanders | 383 m² | 1 · 357 m² | 11.5 m · 2 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
DMT RENOVATION
BE 0795.687.139
Le Roeulx · Eq €20k
ALPHA SERVICES BENELUX
BE 0541.320.178
Dilbeek · Eq €20k
VW ALL JOBS
BE 0537.716.629
Westerlo · Eq €20k
PCA PROJECT
BE 0784.345.364
Bonheiden · Eq €20k
ZR GOLD CONSTRUCTION
BE 0781.957.481
Olen · Eq €20k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 11,548 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2024
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
42911Civil engineering
43221Plumbing work
43310Plastering work
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.