NP Grondwerken
ActiveThe computed 12-month bankruptcy probability of NP Grondwerken is 2.0% (moderate). The 2025 annual accounts show equity of €1.99M and a net result of €813k. Equity is growing by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 7719 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
56
/ 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
Profitability82▲+6
Solvency52▲+4
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.5 in 2024; short-term debt: 56.5% and cash: 4.9% of total assets), and 73.1% 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 · 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 43
Relative position
BE, all sectors
reference
Sector 43
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
26.9%
Return on assets
11%
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 10-04-2026, 112 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
112 d early
2024
29 d early
2023
41 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.99M▲ 46.4%
2024 · €1.36M
2023: €1.05M
2024: €1.36M
2023 → 2025
Total assets
€7.40M▲ 24.0%
2024 · €5.97M
2023: €6.07M
2024: €5.97M
2023 → 2025
Net result
€813k▲ 129%
2024 · €355k
2023: €223k
2024: €355k
2023 → 2025
Working capital
€-1.10M▲ 32.2%
2024 · €-1.63M
2023: €-1.59M
2024: €-1.63M
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€1.05M-€1.36M▲ 29.0%€1.99M▲ 46.4%
Operating result€461k-€534k▲ 16.0%€1.23M▲ 129%
Net result€223k-€355k▲ 59.0%€813k▲ 129%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 129% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.40M
Fixed assets
€4.32M▼ 1.1%
Current assets
€3.08M▲ 92.5%
Equity and liabilities €7.40M
Equity
€1.99M▲ 46.4%
Provisions
€12k
Debt
€5.39M▲ 17.1%
The debt ratio falls from 77.2% to 72.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.69M▲
2024 · €986k
Cash flow
€1.28M▲
2024 · €806k
Solvency
26.9%▲
2024 · 22.8%
Current ratio
0.74▲
2024 · 0.50
Quick ratio
0.74▲
2024 · 0.50
Debt / equity
2.71▼
2024 · 3.39
ROE
40.8%▲
2024 · 26.1%
ROA
11.0%▲
2024 · 5.9%
Interest coverage
11.19▲
2024 · 7.87
Debt
€5.39M▲
2024 · €4.61M
Debt ≤ 1 year
€4.18M▲
2024 · €3.23M
Debt > 1 year
€1.21M▼
2024 · €1.38M
Income taxes
€254k▲
2024 · €141k
Staff costs
€1.22M▲
2024 · €1.08M
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€5.97M€7.40M▲
Fixed assets21/28€4.37M€4.32M▼
Tangible fixed assets22/27€1.57M€1.52M▼
Plant, machinery and equipment23€548k€891k▲
Furniture and vehicles24€613k€396k▼
Leasing and similar rights25€403k€196k▼
Other tangible fixed assets26€5k€38k▲
Financial fixed assets28€2.80M€2.80M=
Current assets29/58€1.60M€3.08M▲
Amounts receivable within one year40/41€1.44M€2.67M▲
Trade receivables40€1.01M€1.92M▲
Other amounts receivable41€424k€750k▲
Cash at bank and in hand54/58€156k€359k▲
Deferred charges and accrued income490/1€6k€45k▲
Equity and liabilities
Total equity and liabilities10/49€5.97M€7.40M▲
Equity10/15€1.36M€1.99M▲
Contributions10/11€17k€17k=
Reserves13€1.15M€1.78M▲
Tax-exempt reserves132-€35k
Distributable reserves133€1.15M€1.74M▲
Profit (loss) carried forward14€199k€199k=
Provisions and deferred taxes16-€12k
Deferred taxes168-€12k
Amounts payable17/49€4.61M€5.39M▲
Amounts payable after more than one year17€1.38M€1.21M▼
Financial debts170/4€1.38M€1.21M▼
Amounts payable within one year42/48€3.23M€4.18M▲
Current portion of amounts payable after more than one year42€342k€321k▼
Financial debts43€559k€1.24M▲
Credit institutions430/8€559k€1.24M▲
Trade debts44€1.48M€2.11M▲
Suppliers440/4€1.48M€2.11M▲
Taxes, remuneration and social security45€158k€125k▼
Taxes450/3€115k€61k▼
Remuneration and social security454/9€43k€64k▲
Other amounts payable47/48€685k€379k▼
Accrued charges and deferred income492/3€0€5k▲
Income statement
Code20242025
Non-recurring operating income76A€57k€254k▲
Remuneration, social security and pensions62€1.08M€1.22M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€451k€468k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€33k€0▼
Other operating charges640/8€49k€38k▼
Non-recurring operating charges66A€17k€70k▲
Gross operating margin9900€2.16M€3.03M▲
Operating profit (loss)9901€534k€1.23M▲
Financial income75/76B€86k€4k▼
Recurring financial income75€86k€4k▼
Financial charges65/66B€125k€151k▲
Recurring financial charges65€125k€151k▲
Profit (loss) for the period before taxes9903€496k€1.08M▲
Transfer from deferred taxes780-€2k
Transfer to deferred taxes680-€14k
Income taxes67/77€141k€254k▲
Profit (loss) for the period9904€355k€813k▲
Transfer from tax-exempt reserves789-€7k
Transfer to tax-exempt reserves689-€43k
Profit (loss) for the period to be appropriated9905€355k€777k▲
Appropriation of the result
Profit (loss) to be appropriated9906€554k€977k▲
Profit (loss) brought forward from the previous period14P€199k€199k=
Transfer from equity791/2€48k€181k▲
Transfer to equity691/2€355k€777k▲
To other reserves6921€355k€777k▲
Profit to be distributed694/7€48k€181k▲
Return on contributions (dividend)694€48k€181k▲
Social balance
Average headcount (FTE)908714.415.8▲
The notes to these accounts (23 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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €813k ▲129%
Operating result €1.23M, net result €813k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lommel · 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.
Waterrijtstraat 493920 LommelGround area
1.2 ha
Building footprint
941 m²
Parcel 72345B1085/00C005, Flanders. Linked by address, not a title deed.
1 establishment unit
NP Grondwerken
since 20232.340.678.789
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1085/00C005 | Flanders | 1.2 ha | 1 · 941 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 5,148 EUR awarded · 5,099 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,912 EUR | 1,912 EUR |
| 2024 | 1 | 3,236 EUR | 3,187 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
2 categoriesNP Grondwerken BV#9963
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Of 8,454 companies in sector 43120 we hold annual accounts for 3,232. 1,224 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2023
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
41001General construction of residential buildings
42110Construction of roads and motorways
43331Floor and wall tiling
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress 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.