R & B CONSTRUCT
ActiveSummary
R & B CONSTRUCT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177k and a net result of €-7k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-37
Solvency100=
Growth60▼-18
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 6.96 against 11.59 in 2024; short-term debt: 12.4% and cash: 6.4% of total assets), and 17.3% 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
28 d late
2023
19 d late
2022
21 d late
2021
19 d late
2020
25 d late
2019
54 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€543k▲ 4.2%
2024 · €521k
2018: €238k
2019: €238k
2020: €238k
2021: €331k
2022: €464k
2023: €443k
2024: €521k
2018 → 2025
EBIT margin
-0.7%▼ 11.0pp
2024 · 10.3%
2018: 2.2%
2019: -5.9%
2020: 5.7%
2021: 3.2%
2022: 4.1%
2023: -3.0%
2024: 10.3%
2018 → 2025
Net result
€-7k
2024 · €51k
2018: €-2k
2019: €-15k
2020: €18k
2021: €11k
2022: €26k
2023: €-4k
2024: €51k
2018 → 2025
Working capital
€158k▲ 5.5%
2024 · €150k
2018: €78k
2019: €62k
2020: €78k
2021: €87k
2022: €116k
2023: €87k
2024: €150k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€331k-€464k▲ 40.1%€443k▼ 4.5%€521k▲ 17.6%€543k▲ 4.2%
Equity€111k-€137k▲ 23.6%€133k▼ 2.9%€184k▲ 38.8%€177k▼ 4.0%
Operating result€11k-€19k▲ 77.1%€-13k€54k€-4k
Net result€11k-€26k▲ 136%€-4k€51k€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €54k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€29k ▼ 42.5%
Current assets
€184k ▲ 12.5%
Equity and liabilities €214k
Equity
€177k ▼ 4.0%
Debt
€37k ▲ 19.9%
Debt's share of the balance-sheet total rises from 14.3% to 17.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€18k▼
2024 · €71k
Cash flow
€14k▼
2024 · €68k
Current ratio
6.96▼
2024 · 11.59
Debt to equity
0.21▲
2024 · 0.17
ROE
-4.1%▼
2024 · 27.9%
ROA
-3.4%▼
2024 · 23.9%
Interest coverage
11.87▼
2024 · 30.17
Debt ≤ 1 year
€26k▲
2024 · €14k
Debt > 1 year
€10k▼
2024 · €17k
Income taxes
€14k▲
2024 · €925
Staff costs
€33k▲
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€215k€214k▼
Fixed assets21/28€51k€29k▼
Tangible fixed assets22/27€51k€29k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€2k-
Furniture and vehicles24€47k€28k▼
Financial fixed assets28€120€120=
Current assets29/58€164k€184k▲
Amounts receivable within one year40/41€120k€171k▲
Trade receivables40€108k€157k▲
Other amounts receivable41€12k€14k▲
Cash at bank and in hand54/58€44k€14k▼
Equity and liabilities
Total equity and liabilities10/49€215k€214k▼
Equity10/15€184k€177k▼
Contributions10/11€19k€19k=
Reserves13€248€248=
Distributable reserves133€248€248=
Profit (loss) carried forward14€165k€158k▼
Amounts payable17/49€31k€37k▲
Amounts payable after more than one year17€17k€10k▼
Financial debts170/4€17k€10k▼
Amounts payable within one year42/48€14k€26k▲
Financial debts43€6k€6k▲
Credit institutions430/8€6k€6k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€340€13k▲
Taxes450/3€340€11k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€2k€3k▲
Income statement
Code20242025
Turnover70€521k€543k▲
Goods, raw materials, services and sundry goods60/61€420k€492k▲
Remuneration, social security and pensions62€31k€33k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€22k▲
Gross operating margin9900€102k€51k▼
Operating profit (loss)9901€54k€-4k▼
Financial income75/76B€1k€12k▲
Recurring financial income75€838€11▼
Non-recurring financial income76B€228€12k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€52k€7k▼
Income taxes67/77€925€14k▲
Profit (loss) for the period9904€51k€-7k▼
Profit (loss) for the period to be appropriated9905€51k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€165k€158k▼
Profit (loss) brought forward from the previous period14P€114k€165k▲
The notes to these accounts (8 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 11.59
Current ratio from 4.97 to 11.59; short-term debt falls from €22k to €14k.
31-12
Financial
Equity above €150kEq €184k ▲38.8%
Equity rises from €133k to €184k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 13.81
Current ratio from 5.74 to 13.81; short-term debt falls from €18k to €9k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Equity above €100kEq €111k ▲11.1%
2 profitable years in a row build equity to €111k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
Show earlier events
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 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, Neupré · 1 establishment unit since 1996
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.
Rue Sart-Servais(RR) 44120 NeupréGround area
384 m²
Building footprint
58 m²
Volume, LiDAR
405 m³
Parcel 62090D0368/00B000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Sart-Servais(RR) 4, 4120 Neupré
since 19962.075.165.639
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62090D0368/00B000 | Wallonia | 384 m² | 1 · 58 m² | 9.2 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.
Similar companies · same sector, comparable size
Belxon
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BIESRENT
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ENTREPRISE MOTTE YVES
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CARRON PHILIP
BE 0469.019.843
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,343 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-1995
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:rb.constructlucandre@hotmail.com
Phone:0475/601661
Phone:0492/757696