NV Woningbouw
ActiveThe computed 12-month bankruptcy probability of NV Woningbouw is 1.9% (moderate). The 2025 annual accounts show equity of €341k and a net result of €-31k. Equity is growing by ~39.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 2172 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▼-56
Solvency50▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity tight (current ratio 1.32 against 1.81 in 2024; short-term debt: 47.5% and cash: 2.8% of total assets), and 75.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 7 filingsDeviation from the deadline
2025
29 d late
2024
152 d late
2023
31 d late
2022
27 d late
2021
59 d late
2020
25 d late
2019
30 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€341k▼ 8.4%
2024 · €372k
2019: €1k
2020: €13k
2021: €101k
2022: €166k
2023: €234k
2024: €372k
2019 → 2025
Total assets
€1.38M▲ 28.3%
2024 · €1.08M
2019: €232k
2020: €445k
2021: €916k
2022: €715k
2023: €1.16M
2024: €1.08M
2019 → 2025
Net result
€-31k
2024 · €138k
2019: €-5k
2020: €12k
2021: €75k
2022: €65k
2023: €68k
2024: €138k
2019 → 2025
Working capital
€210k▼ 15.8%
2024 · €250k
2019: €94k
2020: €97k
2021: €171k
2022: €249k
2023: €320k
2024: €250k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€166k▲ 64.3%€234k▲ 41.0%€372k▲ 59.1%€341k▼ 8.4%
Operating result€110k-€109k▼ 1.3%€116k▲ 6.7%€248k▲ 114%€-6k
Net result€75k-€65k▼ 13.8%€68k▲ 4.9%€138k▲ 103%€-31k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €248k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€515k▼ 1.0%
Current assets
€867k▲ 55.7%
Equity and liabilities €1.38M
Equity
€341k▼ 8.4%
Debt
€1.04M▲ 47.7%
The debt ratio rises from 65.5% to 75.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€17k▼
2024 · €261k
Cash flow
€-8k▼
2024 · €151k
Solvency
24.7%▼
2024 · 34.5%
Current ratio
1.32▼
2024 · 1.81
Quick ratio
0.31▼
2024 · 1.47
Debt / equity
3.05▲
2024 · 1.89
ROE
-9.2%▼
2024 · 37.1%
ROA
-2.3%▼
2024 · 12.8%
Interest coverage
0.67▼
2024 · 5.10
Debt
€1.04M▲
2024 · €705k
Debt ≤ 1 year
€656k▲
2024 · €307k
Debt > 1 year
€369k▼
2024 · €384k
Staff costs
€3k▼
2024 · €15k
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€1.08M€1.38M▲
Fixed assets21/28€520k€515k▼
Tangible fixed assets22/27€520k€514k▼
Land and buildings22€498k€495k▼
Plant, machinery and equipment23€17k€16k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€400€400=
Current assets29/58€557k€867k▲
Stocks and contracts in progress3€107k€665k▲
Stocks30/36€107k€665k▲
Amounts receivable within one year40/41€149k€163k▲
Trade receivables40€87k€159k▲
Other amounts receivable41€62k€4k▼
Cash at bank and in hand54/58€301k€39k▼
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.38M▲
Equity10/15€372k€341k▼
Contributions10/11€19k€19k=
Reserves13€352k€352k=
Distributable reserves133€352k€352k=
Profit (loss) carried forward14€1k€-30k▼
Amounts payable17/49€705k€1.04M▲
Amounts payable after more than one year17€384k€369k▼
Financial debts170/4€384k€369k▼
Amounts payable within one year42/48€307k€656k▲
Current portion of amounts payable after more than one year42€15k€15k▲
Financial debts43€83k€360k▲
Credit institutions430/8€83k€360k▲
Trade debts44€70k€148k▲
Suppliers440/4€70k€148k▲
Advances received on contracts in progress46€55k€48k▼
Taxes, remuneration and social security45€84k€36k▼
Taxes450/3€78k€36k▼
Remuneration and social security454/9€6k-
Other amounts payable47/48-€48k
Accrued charges and deferred income492/3€14k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€15k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€23k▲
Other operating charges640/8€6k€2k▼
Gross operating margin9900€282k€23k▼
Operating profit (loss)9901€248k€-6k▼
Financial income75/76B€1k€526▼
Recurring financial income75€1k€526▼
Financial charges65/66B€51k€26k▼
Recurring financial charges65€51k€26k▼
Profit (loss) for the period before taxes9903€198k€-31k▼
Income taxes67/77€60k-
Profit (loss) for the period9904€138k€-31k▼
Profit (loss) for the period to be appropriated9905€138k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€139k€-30k▼
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer to equity691/2€138k-
To other reserves6921€138k-
Social balance
Average headcount (FTE)90871.00.3▼
The notes to these accounts (10 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €-31k ▼123%
Net result drops to €-31k, the lowest in the series.
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 152 days late
2024
31-12
Financial
Highest result since 2019net €138k ▲103%
Operating result €248k, net result €138k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-12
Financial
Equity above €200kEq €234k ▲41%
4 profitable years in a row build equity to €234k.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-12
Financial
Equity above €150kEq €166k ▲64.3%
3 profitable years in a row build equity to €166k.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Equity above €100kEq €101k ▲660%
2 profitable years in a row build equity to €101k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Balen · 1 establishment unit since 2019
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.
Kampagnestraat 182490 BalenGround area
786 m²
Building footprint
132 m²
Volume, LiDAR
679 m³
Parcel 13342C1194/00F035, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
NV Woningbouw
since 20192.287.025.913
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13342C1194/00F035 | Flanders | 786 m² | 1 · 132 m² | 8.6 m · 1 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.
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LOZIE GEBROEDERS
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BLUESTONE SERVICE
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Bouwwerken SOBO
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 10,584 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2019
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
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:nielsvanbaelen@hotmail.com
Phone:0487747529