UW BOUWPARTNER
ActiveSummary
UW BOUWPARTNER has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €12k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 73% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-1
Solvency100▲+11
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.35 against 2.8 in 2024; short-term debt: 19.7% and cash: 44.3% of total assets), and 22% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 →
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 2025Solvency, return and age of the figures
Solvency
78%
Return on assets
12%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 8 filingsDeviation from the deadline
2025
54 d late
2024
17 d early
2023
19 d early
2022
17 d late
2021
2 d early
2020
1 d early
2019
28 d early
← 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
Equity
€81k▲ 18.2%
2024 · €68k
2018: €27k
2019: €30k
2020: €23k
2021: €26k
2022: €41k
2023: €54k
2024: €68k
2018 → 2025
Total assets
€103k▼ 3.5%
2024 · €107k
2018: €65k
2019: €75k
2020: €40k
2021: €40k
2022: €121k
2023: €111k
2024: €107k
2018 → 2025
Net result
€12k▼ 11.0%
2024 · €14k
2018: €14k
2019: €3k
2020: €-7k
2021: €3k
2022: €15k
2023: €13k
2024: €14k
2018 → 2025
Working capital
€68k▲ 27.7%
2024 · €53k
2018: €9k
2019: €20k
2020: €18k
2021: €24k
2022: €35k
2023: €41k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€41k▲ 58.9%€54k▲ 32.6%€68k▲ 25.6%€81k▲ 18.2%
Operating result€4k-€21k▲ 372%€19k▼ 11.4%€20k▲ 7.2%€17k▼ 16.0%
Net result€3k-€15k▲ 428%€13k▼ 12.0%€14k▲ 4.3%€12k▼ 11.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€15k ▼ 38.6%
Current assets
€89k ▲ 6.7%
Equity and liabilities €103k
Equity
€81k ▲ 18.2%
Debt
€23k ▼ 41.5%
Debt's share of the balance-sheet total falls from 36.3% to 22.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €31k
Cash flow
€22k▼
2024 · €25k
Current ratio
4.35▲
2024 · 2.80
Quick ratio
4.13▲
2024 · 1.90
Debt to equity
0.28▼
2024 · 0.57
ROE
15.4%▼
2024 · 20.4%
ROA
12.0%▼
2024 · 13.0%
Interest coverage
25.39▲
2024 · 24.41
Debt ≤ 1 year
€20k▼
2024 · €30k
Debt > 1 year
€2k▼
2024 · €9k
Income taxes
€4k▼
2024 · €5k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€107k€103k▼
Fixed assets21/28€24k€15k▼
Tangible fixed assets22/27€24k€15k▼
Furniture and vehicles24€24k€15k▼
Current assets29/58€83k€89k▲
Stocks and contracts in progress3€27k€4k▼
Contracts in progress37€27k€4k▼
Amounts receivable within one year40/41€27k€38k▲
Trade receivables40€14k€19k▲
Other amounts receivable41€13k€20k▲
Cash at bank and in hand54/58€29k€46k▲
Deferred charges and accrued income490/1€597-
Equity and liabilities
Total equity and liabilities10/49€107k€103k▼
Equity10/15€68k€81k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€54k€66k▲
Amounts payable17/49€39k€23k▼
Amounts payable after more than one year17€9k€2k▼
Financial debts170/4€9k€2k▼
Amounts payable within one year42/48€30k€20k▼
Current portion of amounts payable after more than one year42€12k€7k▼
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€15k€5k▼
Suppliers440/4€15k€5k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€27€27=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€32k€27k▼
Operating profit (loss)9901€20k€17k▼
Financial income75/76B€0€925▲
Recurring financial income75€0€925▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€19k€17k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€14k€12k▼
Profit (loss) for the period to be appropriated9905€14k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€66k▲
Profit (loss) brought forward from the previous period14P€40k€54k▲
The notes to these accounts (6 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
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Highest result since 2018net €15k ▲428%
Net result €15k, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-7k ▼310%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dendermonde · 1 establishment unit since 2017
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.
Mandekensstraat (BAA) 3309200 DendermondeGround area
232 m²
Building footprint
90 m²
Volume, LiDAR
452 m³
Parcel 42002B0840/00B000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UW BOUWPARTNER
since 20172.266.879.607
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42002B0840/00B000 | Flanders | 232 m² | 1 · 90 m² | 7.5 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
CONSTRUCTION METALLIQUE TONERO MARCO
BE 0447.454.466
Dour · Eq €68,149
S & I Construct
BE 0685.951.039
Balen · Eq €66,930
DECLEBO
BE 0546.861.155
Dentergem · Eq €66,803
BOUWWERKEN SERAL
BE 0883.908.441
Hulshout · Eq €69,747
BOUWWERKEN DE CONINCK DANIEL
BE 0838.176.307
Zelzate · Eq €69,982
Of 2,451 companies in sector 41003 we hold annual accounts for 1,054. 727 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
Founded08-08-2017
Fiscal year end31-12
Activities, NACEBEL 2025
41003General construction of other non-residential buildings
41001General construction of residential buildings
43320Joinery installation
43410Roofing work
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.