P.B. CONSTRUCTIONS
ActiveSummary
P.B. CONSTRUCTIONS has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-788. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 78% of 7500 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-4
Solvency95▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.34 against 2.38 in 2024; short-term debt: 17.9% and cash: 48.3% of total assets), and 29.7% of the assets are financed with debt.
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Signals
Five 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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
70.3%
Return on assets
-1.6%
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 03-08-2026, 3 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 · 10 filingsDeviation from the deadline
2025
3 d late
2024
1 d early
2023
on the day
2022
11 d late
2021
8 d late
2020
25 d early
2019
6 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 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
€-788
2024 · €949
Working capital
€21k▼ 17.1%
2024 · €25k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13k▼ 56.8%€-10k€-6k▲ 39.4%€1k€-267
Net result€9k▼ 75.5%€-11k€-7k▲ 36.1%€949€-788
Equity€59k▲ 16.3%€48k▼ 18.6%€34k▼ 29.3%€35k▲ 2.8%€34k▼ 2.2%
Total assets€104k▲ 10.2%€77k▼ 25.6%€61k▼ 21.0%€53k▼ 12.6%€49k▼ 8.1%
Debt€44k▲ 3.0%€29k▼ 35.1%€27k▼ 6.9%€18k▼ 32.4%€15k▼ 19.4%
Working capital€49k▲ 26.7%€44k▼ 10.8%€35k▼ 20.2%€25k▼ 29.2%€21k▼ 17.1%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €267 after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€20k ▲ 88.4%
Current assets
€29k ▼ 31.5%
Equity and liabilities €49k
Equity
€34k ▼ 2.2%
Debt
€15k ▼ 19.4%
Debt's share of the balance-sheet total falls from 33.9% to 29.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €12k
Cash flow
€6k▼
2024 · €11k
Current ratio
3.34▲
2024 · 2.38
Debt to equity
0.42▼
2024 · 0.51
ROE
-2.3%▼
2024 · 2.7%
ROA
-1.6%▼
2024 · 1.8%
Interest coverage
12.46▼
2024 · 21.34
Debt ≤ 1 year
€9k▼
2024 · €18k
Debt > 1 year
€6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €10k | €10k | €10k | €7k | ▼ 32.6% |
| Other operating charges640/8 | €348 | €348 | €384 | €387 | €400 | ▲ 3.2% |
| Non-recurring operating charges66A | - | - | €0 | - | - | - |
| Gross operating margin9900 | €23k | €80 | €4k | €12k | €7k | ▼ 42.1% |
| Operating profit (loss)9901 | €13k | €-10k | €-6k | €1k | €-267 | ▼ 118% |
| Financial charges65/66B | €876 | €648 | €758 | €539 | €521 | ▼ 3.4% |
| Recurring financial charges65 | €876 | €648 | €758 | €539 | €521 | ▼ 3.4% |
| Profit (loss) for the period before taxes9903 | €12k | €-11k | €-7k | €949 | €-788 | ▼ 183% |
| Income taxes67/77 | €3k | €-3 | - | - | - | - |
| Profit (loss) for the period9904 | €9k | €-11k | €-7k | €949 | €-788 | ▼ 183% |
| Profit (loss) for the period to be appropriated9905 | €9k | €-11k | €-7k | €949 | €-788 | ▼ 183% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €104k | €77k | €61k | €53k | €49k | ▼ 8.1% |
| Fixed assets21/28 | €34k | €24k | €14k | €10k | €20k | ▲ 88.4% |
| Intangible fixed assets21 | €250 | - | - | - | - | - |
| Tangible fixed assets22/27 | €34k | €24k | €14k | €10k | €20k | ▲ 88.4% |
| Plant, machinery and equipment23 | €208 | €104 | - | €6k | €5k | ▼ 21.6% |
| Furniture and vehicles24 | €34k | €24k | €14k | €4k | €15k | ▲ 234% |
| Current assets29/58 | €69k | €53k | €47k | €43k | €29k | ▼ 31.5% |
| Amounts receivable within one year40/41 | €1k | €10k | €13k | €11k | €6k | ▼ 49.9% |
| Trade receivables40 | €1k | €2k | €6k | €3k | €1k | ▼ 60.9% |
| Other amounts receivable41 | - | €8k | €8k | €9k | €5k | ▼ 46.3% |
| Cash at bank and in hand54/58 | €68k | €43k | €33k | €31k | €24k | ▼ 24.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €104k | €77k | €61k | €53k | €49k | ▼ 8.1% |
| Equity10/15 | €59k | €48k | €34k | €35k | €34k | ▼ 2.2% |
| Contributions10/11 | €6k | €6k | €8k | €8k | €8k | = |
| Reserves13 | €53k | €53k | €44k | €44k | €44k | = |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €51k | €51k | €44k | €44k | €44k | = |
| Profit (loss) carried forward14 | €6 | €-11k | €-18k | €-17k | €-18k | ▼ 4.6% |
| Amounts payable17/49 | €44k | €29k | €27k | €18k | €15k | ▼ 19.4% |
| Amounts payable after more than one year17 | €24k | €19k | €15k | - | €6k | - |
| Financial debts170/4 | €24k | €19k | €15k | - | €6k | - |
| Amounts payable within one year42/48 | €20k | €9k | €12k | €18k | €9k | ▼ 51.4% |
| Current portion of amounts payable after more than one year42 | €2k | €3k | €4k | €15k | €5k | ▼ 68.1% |
| Trade debts44 | €2k | €862 | €2k | €2k | €512 | ▼ 74.1% |
| Suppliers440/4 | €2k | €862 | €2k | €2k | €512 | ▼ 74.1% |
| Taxes, remuneration and social security45 | €12k | €4k | €2k | €1k | €4k | ▲ 182% |
| Taxes450/3 | €12k | €4k | €2k | €1k | €4k | ▲ 182% |
| Other amounts payable47/48 | €4k | €1k | €4k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €-11k | €-7k | €949 | €-788 | ▼ 183% |
| + Depreciation and write-downs630 | €10k | €10k | €10k | €10k | €7k | ▼ 32.6% |
| Operating cash flow (approximation) | €19k | €-913 | €3k | €11k | €6k | ▼ 45.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-6k | €-16k | ▼ 149% |
| Change in cash | - | €-25k | €-10k | €-2k | €-8k | ▼ 295% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €949
Net result €949 after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 6 days late
2019
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 20 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 21 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Durbuy · 1 establishment unit since 1995
Ground area
3,204 m²
Building footprint
121 m²
Parcel 83052A0241/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Champay (Villers) 4, 6941 Durbuy
since 19952.072.222.777
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83052A0241/00E000 | Wallonia | 3,204 m² | 1 · 121 m² | - |
Linked by address, not proof of ownership
Good to know
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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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 12,631 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-04-1995
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.