ProBoMa Construct
ActiveProBoMa Construct has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €564k and a net result of €-100k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 84% of 2152 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-19
Solvency98▲+4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 6.74 against 7.31 in 2024; short-term debt: 13.7% and cash: 2.1% of total assets), and 26.7% 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 · 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-100k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€564k▼ 15.1%
2024 · €664k
2019: €671k
2020: €683k
2021: €673k
2022: €691k
2023: €696k
2024: €664k
2019 → 2025
Total assets
€770k▼ 19.7%
2024 · €958k
2019: €1.04M
2020: €981k
2021: €965k
2022: €1.31M
2023: €1.27M
2024: €958k
2019 → 2025
Net result
€-100k▼ 212%
2024 · €-32k
2019: €25k
2020: €12k
2021: €-10k
2022: €18k
2023: €5k
2024: €-32k
2019 → 2025
Working capital
€605k▼ 19.5%
2024 · €751k
2019: €604k
2020: €668k
2021: €695k
2022: €801k
2023: €751k
2024: €751k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€673k-€691k▲ 2.7%€696k▲ 0.8%€664k▼ 4.6%€564k▼ 15.1%
Operating result€-11k-€23k€19k▼ 18.5%€-14k€-88k▼ 526%
Net result€-10k-€18k€5k▼ 69.8%€-32k€-100k▼ 212%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €88k in 2025 against €14k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €770k
Fixed assets
€59k▼ 32.8%
Current assets
€710k▼ 18.3%
Equity and liabilities €770k
Equity
€564k▼ 15.1%
Debt
€205k▼ 30.1%
The debt ratio falls from 30.7% to 26.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-59k▼
2024 · €15k
Cash flow
€-71k▼
2024 · €-3k
Solvency
73.3%▲
2024 · 69.3%
Current ratio
6.74▼
2024 · 7.31
Quick ratio
0.75▼
2024 · 1.96
Debt / equity
0.36▼
2024 · 0.44
ROE
-17.7%▼
2024 · -4.8%
ROA
-13.0%▼
2024 · -3.3%
Interest coverage
-4.61▼
2024 · 0.82
Debt
€205k▼
2024 · €294k
Debt ≤ 1 year
€105k▼
2024 · €119k
Debt > 1 year
€100k▼
2024 · €175k
Income taxes
€0▼
2024 · €976
Staff costs
€129k▲
2024 · €126k
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€958k€770k▼
Fixed assets21/28€88k€59k▼
Intangible fixed assets21€1k€958▼
Tangible fixed assets22/27€85k€56k▼
Plant, machinery and equipment23€85k€56k▼
Financial fixed assets28€2k€2k=
Current assets29/58€870k€710k▼
Stocks and contracts in progress3€637k€631k▼
Stocks30/36€30k€30k=
Contracts in progress37€607k€602k▼
Amounts receivable within one year40/41€17k€47k▲
Trade receivables40€2k€24k▲
Other amounts receivable41€15k€23k▲
Current investments50/53€9€33▲
Cash at bank and in hand54/58€199k€16k▼
Deferred charges and accrued income490/1€17k€16k▼
Equity and liabilities
Total equity and liabilities10/49€958k€770k▼
Equity10/15€664k€564k▼
Contributions10/11€13k€13k=
Reserves13€652k€552k▼
Distributable reserves133€652k€552k▼
Amounts payable17/49€294k€205k▼
Amounts payable after more than one year17€175k€100k▼
Financial debts170/4€175k€100k▼
Amounts payable within one year42/48€119k€105k▼
Trade debts44€28k€51k▲
Suppliers440/4€28k€51k▲
Taxes, remuneration and social security45€19k€21k▲
Taxes450/3€7k€474▼
Remuneration and social security454/9€12k€21k▲
Other amounts payable47/48€72k€33k▼
Income statement
Code20242025
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€126k€129k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k=
Other operating charges640/8€4k€4k▼
Gross operating margin9900€145k€74k▼
Operating profit (loss)9901€-14k€-88k▼
Financial income75/76B€1k€208▼
Recurring financial income75€1k€208▼
Financial charges65/66B€18k€13k▼
Recurring financial charges65€18k€13k▼
Profit (loss) for the period before taxes9903€-31k€-100k▼
Income taxes67/77€976€0▼
Profit (loss) for the period9904€-32k€-100k▼
Profit (loss) for the period to be appropriated9905€-32k€-100k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-100k▼
Transfer from equity791/2€32k€100k▲
Social balance
Average headcount (FTE)90872.22.0▼
The notes to these accounts (11 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €-100k
Net result drops to €-100k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Liquidity triplescurrent ratio 7.31
Current ratio from 2.87 to 7.31; short-term debt falls from €402k to €119k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oudenaarde · 1 establishment unit since 2009
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.
Jagerij 19700 OudenaardeGround area
2,080 m²
Building footprint
252 m²
Volume, LiDAR
1,675 m³
Parcel 45021A0843/00L000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ProBoMa Construct
since 20092.180.975.417
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45021A0843/00L000 | Flanders | 2,080 m² | 1 · 252 m² | 10.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 498 EUR awarded · 498 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 112 EUR | 112 EUR |
| 2024 | 1 | 119 EUR | 119 EUR |
| 2023 | 1 | 163 EUR | 221 EUR |
| 2022 | 1 | 104 EUR | 46 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 8,737 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2009
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.