P & D Bouw
ActiveP & D Bouw has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €460k and a net result of €8k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 32% of 2096 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability40▼-7
Solvency48▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.7 in 2023; short-term debt: 55.3% and cash: 4.2% of total assets), and 76.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
Sector 41
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
37 d early
2022
34 d early
2021
35 d early
2020
23 d late
2019
18 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€460k▲ 1.8%
2023 · €452k
2018: €391k
2019: €396k
2020: €401k
2021: €434k
2022: €421k
2023: €452k
2018 → 2024
Total assets
€1.98M▼ 30.9%
2023 · €2.86M
2018: €1.98M
2019: €1.47M
2020: €1.78M
2021: €2.03M
2022: €2.59M
2023: €2.86M
2018 → 2024
Net result
€8k▼ 79.5%
2023 · €40k
2018: €9k
2019: €4k
2020: €5k
2021: €33k
2022: €63k
2023: €40k
2018 → 2024
Working capital
€350k▼ 62.3%
2023 · €927k
2018: €248k
2019: €235k
2020: €212k
2021: €407k
2022: €648k
2023: €927k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€401k-€434k▲ 8.1%€421k▼ 2.9%€452k▲ 7.2%€460k▲ 1.8%
Operating result€4k-€61k▲ 1,250%€113k▲ 87.2%€92k▼ 18.8%€64k▼ 30.8%
Net result€5k-€33k▲ 495%€63k▲ 92.8%€40k▼ 36.7%€8k▼ 79.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 31% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.98M
Fixed assets
€535k▼ 13.6%
Current assets
€1.44M▼ 35.7%
Equity and liabilities €1.98M
Equity
€460k▲ 1.8%
Debt
€1.52M▼ 37.0%
The debt ratio falls from 84.2% to 76.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€132k▼
2023 · €170k
Cash flow
€76k▼
2023 · €118k
Solvency
23.3%▲
2023 · 15.8%
Current ratio
1.32▼
2023 · 1.70
Quick ratio
0.69▼
2023 · 0.89
Debt / equity
3.30▼
2023 · 5.34
ROE
1.8%▼
2023 · 8.8%
ROA
0.4%▼
2023 · 1.4%
Interest coverage
2.45▼
2023 · 3.14
Debt
€1.52M▼
2023 · €2.41M
Debt ≤ 1 year
€1.09M▼
2023 · €1.32M
Debt > 1 year
€422k▼
2023 · €1.09M
Income taxes
€8k▼
2023 · €19k
Staff costs
€328k▼
2023 · €328k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.86M€1.98M▼
Fixed assets21/28€619k€535k▼
Tangible fixed assets22/27€619k€535k▼
Land and buildings22€482k€449k▼
Plant, machinery and equipment23€88k€69k▼
Furniture and vehicles24€50k€17k▼
Current assets29/58€2.24M€1.44M▼
Stocks and contracts in progress3€1.07M€686k▼
Stocks30/36€78k€53k▼
Contracts in progress37€995k€633k▼
Amounts receivable within one year40/41€737k€103k▼
Trade receivables40€701k€56k▼
Other amounts receivable41€36k€47k▲
Current investments50/53-€535k
Cash at bank and in hand54/58€360k€82k▼
Deferred charges and accrued income490/1€73k€36k▼
Equity and liabilities
Total equity and liabilities10/49€2.86M€1.98M▼
Equity10/15€452k€460k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€140k€140k=
Reserves13€293k€301k▲
Tax-exempt reserves132€56k€56k=
Distributable reserves133€237k€245k▲
Amounts payable17/49€2.41M€1.52M▼
Amounts payable after more than one year17€1.09M€422k▼
Financial debts170/4€1.09M€422k▼
Amounts payable within one year42/48€1.32M€1.09M▼
Current portion of amounts payable after more than one year42€55k€496k▲
Trade debts44€771k€529k▼
Suppliers440/4€771k€529k▼
Taxes, remuneration and social security45€48k€45k▼
Taxes450/3€8k€3k▼
Remuneration and social security454/9€40k€42k▲
Other amounts payable47/48€442k€23k▼
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20232024
Non-recurring operating income76A-€11k
Remuneration, social security and pensions62€328k€328k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€68k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€504k€465k▼
Operating profit (loss)9901€92k€64k▼
Financial income75/76B€21k€7k▼
Recurring financial income75€21k€7k▼
Financial charges65/66B€54k€54k▼
Recurring financial charges65€54k€54k▼
Profit (loss) for the period before taxes9903€59k€16k▼
Income taxes67/77€19k€8k▼
Profit (loss) for the period9904€40k€8k▼
Profit (loss) for the period to be appropriated9905€40k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€8k▼
Transfer from equity791/2€9k-
Transfer to equity691/2€40k€8k▼
To other reserves6921€40k€8k▼
Profit to be distributed694/7€9k-
Return on contributions (dividend)694€9k-
Social balance
Average headcount (FTE)90875.55.0▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €63k ▲92.8%
Operating result €113k, net result €63k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 18 days late
2019
31-12
Financial
Weakest financial yearnet €4k ▼53.2%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lummen · 1 establishment unit since 2003
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.
Bosstraat 813560 LummenGround area
4,108 m²
Building footprint
881 m²
Volume, LiDAR
20 m³
2 parcels, Flanders · tallest building 3.0 m. Linked by address, not a title deed.
1 establishment unit
P & D BOUW
since 20032.131.535.606
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C2819/00A000 | Flanders | 2,798 m² | 1 · 758 m² | 3.0 m |
| 71035A0495/00K000 | Flanders | 1,309 m² | 1 · 122 m² | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,420 EUR awarded · 2,420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,420 EUR | 2,420 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Recognised contractor
11 categoriesP & D Bouw BV33448
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 9,552 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2001
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43410Roofing work
45212
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.