SKB Construct
ActiveSKB Construct has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €213k and a net result of €20k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
82
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▲+7
Solvency69▲+13
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.28 in 2024), and 62.9% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.1%
Return on assets
3.5%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-09-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
23 d early
2023
34 d early
2022
on the day
2021
3 d late
2020
9 d late
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€213k▲ 10.5%
2024 · €193k
2019: €98k
2020: €98k
2021: €177k
2022: €220k
2023: €256k
2024: €193k
2019 → 2025
Total assets
€574k▼ 6.7%
2024 · €616k
2019: €364k
2020: €313k
2021: €662k
2022: €656k
2023: €762k
2024: €616k
2019 → 2025
Net result
€20k▲ 30.8%
2024 · €15k
2019: €2k
2020: €81
2021: €78k
2022: €43k
2023: €36k
2024: €15k
2019 → 2025
Working capital
€90k▲ 57.5%
2024 · €57k
2019: €6k
2020: €-3k
2021: €-38k
2022: €-4k
2023: €97k
2024: €57k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€177k-€220k▲ 24.5%€256k▲ 16.3%€193k▼ 24.4%€213k▲ 10.5%
Operating result€109k-€80k▼ 26.7%€70k▼ 12.8%€41k▼ 41.2%€48k▲ 16.8%
Net result€78k-€43k▼ 44.7%€36k▼ 17.2%€15k▼ 56.8%€20k▲ 30.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €574k
Fixed assets
€299k▼ 15.7%
Current assets
€276k▲ 5.5%
Equity and liabilities €574k
Equity
€213k▲ 10.5%
Debt
€361k▼ 14.6%
The debt ratio falls from 68.6% to 62.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€116k▼
2024 · €129k
Cash flow
€88k▼
2024 · €104k
Solvency
37.1%▲
2024 · 31.4%
Current ratio
1.49▲
2024 · 1.28
Quick ratio
1.47▲
2024 · 1.26
Debt / equity
1.69▼
2024 · 2.19
ROE
9.5%▲
2024 · 8.0%
ROA
3.5%▲
2024 · 2.5%
Interest coverage
5.74▼
2024 · 6.87
Debt
€361k▼
2024 · €423k
Debt ≤ 1 year
€186k▼
2024 · €204k
Debt > 1 year
€175k▼
2024 · €218k
Income taxes
€10k▼
2024 · €10k
Staff costs
€62k▼
2024 · €77k
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€616k€574k▼
Fixed assets21/28€354k€299k▼
Tangible fixed assets22/27€354k€299k▼
Land and buildings22€101k€96k▼
Plant, machinery and equipment23€3k€6k▲
Furniture and vehicles24€84k€76k▼
Leasing and similar rights25€164k€113k▼
Other tangible fixed assets26€3k€7k▲
Current assets29/58€261k€276k▲
Amounts receivable after more than one year29€91k€109k▲
Other amounts receivable291€91k€109k▲
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€152k€151k▼
Trade receivables40€129k€125k▼
Other amounts receivable41€23k€25k▲
Cash at bank and in hand54/58€6k€3k▼
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€616k€574k▼
Equity10/15€193k€213k▲
Contributions10/11€19k€19k=
Reserves13€174k€195k▲
Distributable reserves133€174k€195k▲
Amounts payable17/49€423k€361k▼
Amounts payable after more than one year17€218k€175k▼
Financial debts170/4€218k€175k▼
Amounts payable within one year42/48€204k€186k▼
Current portion of amounts payable after more than one year42€78k€84k▲
Financial debts43€68k€65k▼
Credit institutions430/8€68k€65k▼
Trade debts44€55k€29k▼
Suppliers440/4€55k€29k▼
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3-€1k
Remuneration and social security454/9€4k€6k▲
Accrued charges and deferred income492/3€650-
Income statement
Code20242025
Remuneration, social security and pensions62€77k€62k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€88k€68k▼
Other operating charges640/8€7k€20k▲
Gross operating margin9900€214k€198k▼
Operating profit (loss)9901€41k€48k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€19k€20k▲
Recurring financial charges65€19k€20k▲
Non-recurring financial charges66B€150-
Profit (loss) for the period before taxes9903€26k€30k▲
Income taxes67/77€10k€10k▼
Profit (loss) for the period9904€15k€20k▲
Profit (loss) for the period to be appropriated9905€15k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€20k▲
Transfer from equity791/2€78k-
Transfer to equity691/2€15k€20k▲
To other reserves6921€15k€20k▲
Profit to be distributed694/7€78k-
Return on contributions (dividend)694€78k-
The notes to these accounts (9 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
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €200kEq €213k ▲10.5%
7 profitable years in a row build equity to €213k.
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €200kEq €220k ▲24.5%
4 profitable years in a row build equity to €220k.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Highest result since 2019net €78k ▲95883%
Operating result €109k, net result €78k, both a record.
31-03
Financial
Equity above €150kEq €177k ▲79.4%
3 profitable years in a row build equity to €177k.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
31-03
Financial
Weakest financial yearnet €81 ▼96.1%
Net result drops to €81, the lowest in the series; recovery starts the following year.
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
03-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2016
27-10
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 director, no change since 2023
GIELIS Kris
CurrentDirector · since 29-11-2023
29-11-2023
Appointed as Director
29-11-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Herselt · 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.
Degstraat 62230 HerseltGround area
3,550 m²
Building footprint
219 m²
Volume, LiDAR
1,054 m³
Parcel 13013D0321/00E000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SKB Construct
since 20092.178.876.653
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13013D0321/00E000 | Flanders | 3,550 m² | 1 · 219 m² | 7.2 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.
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TROISFONTAINE CHRISTIAN TOITURES
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CAUWENBERGHS & CO
BE 0640.745.772
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Dakwerken Tibackx
BE 0456.410.338
Heist-op-den-Berg · Eq €213k
Of 8,479 companies in sector 43410 we hold annual accounts for 4,308. 3,528 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2009
Fiscal year end31-03
Activities, NACEBEL
43410Roofing work
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.