Equity
€19,328 from €55,071 in 2023
Equity fell by 65% in 2 years.
V.B. BOUWONDERNEMING
Lifetime
10 annual accounts with figures on one time axispeak €144,432 (2021)
€57,077▲ 10.6%
lowest -€25,018 (2019)
-€10,981▲ €13,781
peak €55,071 (2023)
€19,328▼ 36.2%
€108,276▼ 26.7%
peak 3 FTE (2019)
-not published
Board2 names since 2020
1 directorVAN BREDA Gianni
Documentsfilings and deeds
25-06-202636 days before the deadline
2025micro format
Loss of €10,981Equity from €30,309 to €19,328Debts from €147,669 to €108,276Cash from €57 to €14
Key points
from the 2025 annual accountsLosses
-€35,743 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€108,276 85% of the balance sheet
Financial debts 26%Suppliers 44%Taxes and wages 22%Other 8%
Of this, €95,851 falls due within a year.
Staff
2 employees on 31-12-2025
In 2025, 1 person joined and 2 left.
Filings
10 annual accounts 5 late
The 2024 accounts came latest: 440 days after the end of the period.
Position in the sector
-€10,981
Lower net result than 86% of companies in construction of buildings. Sector median €8,556 · 9,425 companies.
Checked score
34
Weak
Financially stronger than 15% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.9% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,457 companies (NACE 41, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.1%
01-2025: 2.1%● unchanged vs 12-2024
02-2025: 2.1%● unchanged vs 01-2025
03-2025: 2.1%● unchanged vs 02-2025
04-2025: 2.1%● unchanged vs 03-2025
05-2025: 2.0%▼ -0.1 percentage points vs 04-2025
06-2025: 2.0%● unchanged vs 05-2025lowest value
07-2025: 2.2%▲ +0.2 percentage points vs 06-2025
08-2025: 2.8%▲ +0.6 percentage points vs 07-2025
09-2025: 3.2%▲ +0.4 percentage points vs 08-2025
10-2025: 5.0%▲ +1.8 percentage points vs 09-2025
11-2025: 5.1%▲ +0.1 percentage points vs 10-2025
12-2025: 5.9%▲ +0.8 percentage points vs 11-2025
01-2026: 7.5%▲ +1.6 percentage points vs 12-2025
02-2026: 7.5%● unchanged vs 01-2026
03-2026: 7.7%▲ +0.2 percentage points vs 02-2026
04-2026: 10.5%▲ +2.8 percentage points vs 03-2026highest value
05-2026: 10.5%● unchanged vs 04-2026highest value
06-2026: 10.4%▼ -0.1 percentage points vs 05-2026
07-2026: 3.8%▼ -6.6 percentage points vs 06-2026
08-2026: 3.8%● unchanged vs 07-2026
09-2026: 3.8%● unchanged vs 08-2026
10-2026: 5.9%▲ +2.1 percentage points vs 09-2026
11-2026: 5.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
1 of the last 3 accounts late
Liquidity: current ratio 1.10, cash €14, halved
Loss of €10,981, the second in a row (financial year 2025)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 22% of them on solvency, 9% on liquidity, 16% on profitability and 14% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,166 companies had the same profile as V.B. BOUWONDERNEMING has now. Each dot stands for 6 companies, two years later.
94.1%
were still trading
3.0%
stopped another way
2.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of V.B. BOUWONDERNEMING itself is higher: 5.9% within 12 months. It rests on far more data about V.B. BOUWONDERNEMING than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,166 companies, not a prediction for V.B. BOUWONDERNEMING. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.1 (1.57 in 2024), below the usual 1.5. Short-term debt is 75.1% and cash 0% of total assets. 84.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
raises riskneutral
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
1819202122232425
2018 to 2025 · latest year -€10,981
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9435 sector peers (2025).
NBB · sector comparisonPosition among 9435 sector peers
Solvency
better than 22%
← 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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 days early
2024
440 days late
2023
35 days early
2022
30 days late
2021
32 days early
2020
9 days early
2019
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 55 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 5 accounts filed within 62 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered-office move
General meeting of 30-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0641955601
Resignation: VAN BREDA Gianni (manager and director)
Reappointment: VAN BREDA Gianni (director) · Director discharge: VAN BREDA Gianni · General meeting of 15-12-2023 · Gazette deed
Resignation: de Hond Ronny (manager)
General meeting of 12-05-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| V.B. BOUWONDERNEMING Turnhout | €127,604 | €57,077 | 15.1% | - |
| MJM Techniks Lille | €125,675 | €62,057 | -88.9% | - |
| JUMARBOUW Kapellen | €122,969 | €48,023 | 53.3% | - |
| G&M Invest Lille | €151,882 | €56,141 | -2.6% | - |
| Heyendael Antwerp | €130,380 | €73,461 | 70.2% | - |
| MASTEROAK Kapellen | €112,034 | €57,603 | 75.3% | - |
| COMFORT WONEN Erpe-Mere | €132,175 | €59,700 | 11.6% | - |
These companies have the same main activity as V.B. BOUWONDERNEMING: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €112,000 and €152,000, founded between 2013 and 2017.
Official details
Source: KBO- Status
- Active since 28-10-2015Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.247.151.0922300 Turnhout, since 28-10-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 17-12-2025
Annual accounts 2025
- ≈ €300,000estimated
- €127,604▼ 28.3%
- Employeeson 31-12-2025
- 2▼ 33.3%
- Filing
- Filed on 25-06-2026, 36 days before the end of the filing period
Insights on V.B. BOUWONDERNEMING
V.B. BOUWONDERNEMING files the micro format. That format states no turnover. The gross margin rose from €20,367 in 2016 to €57,077 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about V.B. BOUWONDERNEMING
- What is the company number of V.B. BOUWONDERNEMING?
- The company number of V.B. BOUWONDERNEMING is 0641.955.601. The VAT number is the same number with BE in front: BE 0641.955.601.
- Where is V.B. BOUWONDERNEMING based?
- The registered office is at Steenweg op Zevendonk 151, 2300 Turnhout.Company details
- What does V.B. BOUWONDERNEMING do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of V.B. BOUWONDERNEMING?
- V.B. BOUWONDERNEMING is a private limited company (BV).
- When was V.B. BOUWONDERNEMING founded?
- V.B. BOUWONDERNEMING was founded on 28-10-2015.
- Is V.B. BOUWONDERNEMING still active?
- Yes, V.B. BOUWONDERNEMING is an active enterprise in the KBO register.
- How many employees does V.B. BOUWONDERNEMING have?
- V.B. BOUWONDERNEMING had an average of 2.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does V.B. BOUWONDERNEMING fall under?
- In its 2025 annual accounts, V.B. BOUWONDERNEMING states joint committee 124 (Construction).
- What is the turnover of V.B. BOUWONDERNEMING?
- The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €57,077 and 108 comparable companies (NACE 41001). It probably lies between €210,000 and €490,000.
- Is V.B. BOUWONDERNEMING profitable?
- In financial year 2025, V.B. BOUWONDERNEMING made a loss of €10,981.
- Where can I find the annual accounts of V.B. BOUWONDERNEMING?
- V.B. BOUWONDERNEMING filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of V.B. BOUWONDERNEMING due?
- V.B. BOUWONDERNEMING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies
See how customers, suppliers and banks see your own company and what to improve first.