Prospect Bild
ActiveSummary
The computed 12-month bankruptcy probability of Prospect Bild is 1.8% (moderate). The 2024 annual accounts show equity of €4,600 and a net result of €20,707. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 15869 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+100
Solvency31▲+31
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
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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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
6.4%
Return on assets
29%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 15869 sector peers (2024).
NBB · sector comparisonPosition among 15869 sector peers
Solvency
better than 25%
← weakest
strongest →
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 28-06-2026, 33 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
33 d early
2024
33 d early
2023
28 d early
2022
16 d early
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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. Usually files around 4 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
€4,600
2023 · -€15,275
Total assets
€71,477▲ 238%
2023 · €21,129
Net result
€20,707
2023 · -€17,380
Working capital
-€12,595▲ 48.7%
2023 · -€24,548
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€985-€3,219▲ 227%-€16,888€29,322
Net result€72within the sector's middle half-€33within the sector's middle half▼ 54.3%-€17,380below the sector's middle half€20,707within the sector's middle half
Equity€90,072within the sector's middle half-€2,106below the sector's middle half▼ 97.7%-€15,275below the sector's middle half€4,600below the sector's middle half
Total assets€183,586within the sector's middle half-€81,941within the sector's middle half▼ 55.4%€21,129below the sector's middle half▼ 74.2%€71,477within the sector's middle half▲ 238%
Debt€93,513-€79,836▼ 14.6%€36,403▼ 54.4%€66,877▲ 83.7%
Working capital€62,562within the sector's middle half--€3,304within the sector's middle half-€24,548below the sector's middle half▼ 643%-€12,595below the sector's middle half▲ 48.7%
Solvency49.1%within the sector's middle half-2.6%below the sector's middle half▼ 46.5pp-72.3%below the sector's middle half▼ 74.9pp6.4%below the sector's middle half▲ 78.7pp
Current ratio1.89within the sector's middle half-0.95within the sector's middle half▼ 0.940.22below the sector's middle half▼ 0.730.49below the sector's middle half▲ 0.27
Return on assets (ROA)0.0%within the sector's middle half-0.0%within the sector's middle half=-82.3%below the sector's middle half▼ 82.3pp29.0%above the sector's middle half▲ 111.2pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €29,322 after a loss of €16,888 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €71,477
Fixed assets
€59,298 ▲ 315%
Current assets
€12,179 ▲ 77.7%
Equity and liabilities €71,477
Equity
€4,600
Debt
€66,877
Debt finances 93.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€41,812▲
2023 · -€9,177
Cash flow
€33,197▲
2023 · -€9,670
Debt to equity
14.54▲
2023 · -2.38
ROE
450.2%
Interest coverage
7.02▲
2023 · -15.69
Debt ≤ 1 year
€24,774▼
2023 · €31,401
Debt > 1 year
€42,103▲
2023 · €5,002
Income taxes
€2,663
Staff costs
€2,016=
2023 · €2,016
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,153 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €6,649 | - | - | - |
| Remuneration, social security and pensions62 | - | - | €2,016 | €2,016 | = |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,257 | €7,418 | €7,711 | €12,490 | ▲ 62.0% |
| Other operating charges640/8 | €1,040 | €6,594 | €950 | €4,758 | ▲ 401% |
| Non-recurring operating charges66A | - | - | - | €6,353 | - |
| Gross operating margin9900 | €18,283 | €17,231 | -€6,212 | €54,938 | ▲ 984% |
| Operating profit (loss)9901 | €985 | €3,219 | -€16,888 | €29,322 | ▲ 274% |
| Financial income75/76B | €0 | - | €93 | €1 | ▼ 98.9% |
| Recurring financial income75 | €0 | - | €93 | €1 | ▼ 98.9% |
| Financial charges65/66B | €913 | €3,186 | €585 | €5,953 | ▲ 917% |
| Recurring financial charges65 | €913 | €3,186 | €585 | €5,953 | ▲ 917% |
| Profit (loss) for the period before taxes9903 | €72 | €33 | -€17,380 | €23,370 | ▲ 234% |
| Income taxes67/77 | - | - | - | €2,663 | - |
| Profit (loss) for the period9904 | €72 | €33 | -€17,380 | €20,707 | ▲ 219% |
| Profit (loss) for the period to be appropriated9905 | €72 | €33 | -€17,380 | €20,707 | ▲ 219% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €183,586 | €81,941 | €21,129 | €71,477 | ▲ 238% |
| Fixed assets21/28 | €51,054 | €20,105 | €14,275 | €59,298 | ▲ 315% |
| Tangible fixed assets22/27 | €41,334 | €20,105 | €14,275 | €59,298 | ▲ 315% |
| Plant, machinery and equipment23 | €6,133 | €4,533 | €3,899 | €2,083 | ▼ 46.6% |
| Furniture and vehicles24 | €16,909 | €1,853 | €1,230 | €1,020 | ▼ 17.1% |
| Leasing and similar rights25 | €18,292 | €13,719 | €9,146 | €56,195 | ▲ 514% |
| Financial fixed assets28 | €9,720 | - | - | - | - |
| Current assets29/58 | €132,532 | €61,836 | €6,854 | €12,179 | ▲ 77.7% |
| Stocks and contracts in progress3 | €70,530 | €45,630 | - | - | - |
| Stocks30/36 | €70,530 | €45,630 | - | - | - |
| Amounts receivable within one year40/41 | €56,124 | €10,115 | €2,821 | €11,682 | ▲ 314% |
| Trade receivables40 | €56,124 | €9,457 | €2,297 | €10,654 | ▲ 364% |
| Other amounts receivable41 | - | €658 | €524 | €1,028 | ▲ 96.2% |
| Cash at bank and in hand54/58 | €5,767 | €6,091 | €4,033 | €97 | ▼ 97.6% |
| Deferred charges and accrued income490/1 | €110 | - | - | €400 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €183,586 | €81,941 | €21,129 | €71,477 | ▲ 238% |
| Equity10/15 | €90,072 | €2,106 | -€15,275 | €4,600 | ▲ 130% |
| Contributions10/11 | €90,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | - | - | - | €2,600 | - |
| Distributable reserves133 | - | - | - | €2,600 | - |
| Profit (loss) carried forward14 | €72 | €106 | -€17,275 | - | - |
| Amounts payable17/49 | €93,513 | €79,836 | €36,403 | €66,877 | ▲ 83.7% |
| Amounts payable after more than one year17 | €23,543 | €14,309 | €5,002 | €42,103 | ▲ 742% |
| Financial debts170/4 | €23,543 | €14,309 | €5,002 | €42,103 | ▲ 742% |
| Amounts payable within one year42/48 | €69,970 | €65,140 | €31,401 | €24,774 | ▼ 21.1% |
| Current portion of amounts payable after more than one year42 | €9,162 | €9,234 | €9,307 | €14,410 | ▲ 54.8% |
| Trade debts44 | €34,230 | €753 | €1,037 | €3,891 | ▲ 275% |
| Suppliers440/4 | €34,230 | €753 | €1,037 | €3,891 | ▲ 275% |
| Taxes, remuneration and social security45 | €10,542 | €6,093 | €2,000 | €5,640 | ▲ 182% |
| Taxes450/3 | €4,542 | €6,093 | - | €2,663 | - |
| Remuneration and social security454/9 | €6,000 | - | €2,000 | €2,977 | ▲ 48.9% |
| Other amounts payable47/48 | €16,036 | €49,059 | €19,057 | €833 | ▼ 95.6% |
| Accrued charges and deferred income492/3 | - | €387 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €72 | €33 | -€17,380 | €20,707 | ▲ 219% |
| + Depreciation and write-downs630 | €16,257 | €7,418 | €7,711 | €12,490 | ▲ 62.0% |
| Operating cash flow (approximation) | €16,329 | €7,451 | -€9,670 | €33,197 | ▲ 443% |
| Investment in fixed assets (approximation) | - | €23,531 | -€1,880 | -€57,513 | ▼ 2,959% |
| Change in cash | - | €323 | -€2,058 | -€3,936 | ▼ 91.2% |
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
28-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €20,707
Net result €20,707 after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€17,380
Net result drops to -€17,380, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Hamme (Vl.) · 1 establishment unit since 2020
Ground area
248 m²
Building footprint
92 m²
Volume, LiDAR
484 m³
Parcel 42008A1678/00Z000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PROSPECT BILD BV
since 20202.309.174.773
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A1678/00Z000 | Flanders | 248 m² | 1 · 92 m² | 9.4 m · 2 fl. |
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.
Similar companies · same sector, comparable size
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BE 0467.283.444
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STUCKERS BOUWMATERIALEN
BE 0880.458.211
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RMB-BOX
BE 0555.834.249
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VIA
BE 0455.056.890
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NATURA MATER
BE 0747.685.995
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Of 1,805 companies in sector 46831 we hold annual accounts for 1,399. 199 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
Founded30-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
43120Site preparation
Contact
Website
www.bel-prof.com
E-mail
akif@prospectbild.com
E-mail
mikail@bel-prof.be
E-mail
sevinc@prospectbild.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0757693625
Also
9925:BE0757693625
Registered
14-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.