Age10 yrs
Real estate1 parcel · 1,405 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of B3 Constructions is 0.9% (low). The 2024 annual accounts show equity of €609k and a net result of €41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 71% of 334 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 18 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-10-2025, 82 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.
How we compute the deadline
The year end is derived from 8 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 21-10-2025 | 82 d late | 2025-00546202 |
| 31-12-2023 | 31-07-2024 | 16-10-2024 | 77 d late | 2024-00508077 |
| 31-12-2022 | 31-07-2023 | 07-10-2023 | 68 d late | 2023-00475809 |
| 31-12-2021 | 31-07-2022 | 04-08-2022 | 4 d late | 2022-20268815 |
| 31-12-2020 | 31-07-2021 | 23-07-2021 | 8 d early | 2021-38500083 |
| 31-12-2019 | 31-07-2020 | 11-09-2020 | 42 d late | 2020-52300167 |
| 31-12-2018 | 31-07-2019 | 20-08-2019 | 20 d late | 2019-47300497 |
| 31-12-2017 | 31-07-2018 | 31-07-2018 | on the day | 2018-41500550 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2016, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.9%
Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€41k
Working capital€609k+7.1%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 21-10-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 42.5% | 24.1% | |
| Net result | €41k | €16k | |
| Equity | €609k | €73k | |
| Gross operating margin | €-45k | €79k | |
| Total assets | €1.43M | €527k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P71
Improving position over 2020-2024
· n=141-334
P68
Improving position over 2020-2024
· n=142-334
P88
Improving position over 2020-2024
· n=142-334
P5
Stable position over 2020-2024
· n=142-334
Describes the position versus peers, not a forecast.
€41k
-
18-24
€1.43M
-11.2%
18-24
€609k
+7.1%
18-24
€609k
+7.1%
18-24
2
-
18-24
€15k
+10329.8%
18-24
€824k
-21.2%
18-24
€824k
-21.2%
18-24
Show 7 other metrics
€295k
+1006.6%
18-24
1.74
+12.7%
18-24
1.10
-15.0%
18-24
42.5%
+20.7%
18-24
1.35
-26.4%
18-24
6.7%
-
18-24
2.8%
-
18-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | - |
| Net profit | €41k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €15k |
| Dividends | - |
| Total assets | €1.43M |
| Equity | €609k |
| Debt | €824k |
| of which ≤ 1y | €824k |
| of which > 1y | - |
| Working capital | €609k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.74 |
| Quick ratio | 1.10 |
| Working capital ratio | 42.5% |
| Solvency | 42.5% |
| Debt / equity | 1.35 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 2.8% |
| ROE | 6.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.43M |
| Current assets | 29/58 | €1.43M |
| Stocks & contracts in progress | 3 | €526k |
| Amounts receivable within one year | 40/41 | €418k |
| Investments | 50/53 | €1k |
| Cash & bank | 54/58 | €488k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.43M |
| Equity | 10/15 | €609k |
| Contributions / capital | 10/11 | €11k |
| Reserves | 13 | €598k |
| Amounts payable | 17/49 | €824k |
| Amounts payable within one year | 42/48 | €824k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €-45k |
| Operating result | 9901 | €-49k |
| Financial income | 75 | €113k |
| Financial charges | 65 | €8k |
| Result before taxes | 9903 | €56k |
| Income taxes | 67/77 | €15k |
| Net result for the period | 9904 | €41k |
| Result to be appropriated | 9905 | €41k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed79
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Paardenstraat(MAR) 542880 BornemEstablishment units
1 locationB3 Constructions
since 20162.251.201.635
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,405 m²
Buildings1
Building footprint293 m²
Volume (LiDAR)1,081 m³
Tallest building6.9 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12024A0170/00C000 | Flanders | 1,405 m² | 1 · 293 m² | 6.9 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
5 of 5 axes measured74
/ 100
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Health
79
Profitability
33
Solvency
81
Growth
78
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 5,403 of the 29,594 companies in this sector. 1,779 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100
Primary activity highlighted.
Names & trade names
| Legal nameNL | B3 Constructions |
Registered office
Paardenstraat(MAR) 54
2880 Bornem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.