BIS CONSTRUCT
ActiveSummary
BIS CONSTRUCT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €14k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability99▲+88
Solvency100▲+19
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 30.64; short-term debt: 3.2% and cash: 92.7% of total assets), and 7% of the assets are financed with debt.
Credit check 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
93%
Return on assets
23.8%
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 14-08-2026, 14 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 · 3 filingsDeviation from the deadline
2025
14 d late
2024
3 d early
2023
28 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€55k▲ 34.4%
2024 · €41k
2023: €45k
2024: €41k▼ -9.5% vs 2023lowest in 3 years
2025: €55k▲ +34.4% vs 2024highest in 3 years
2023 → 2025
Total assets
€60k▼ 19.3%
2024 · €74k
2023: €96khighest in 3 years
2024: €74k▼ -23.5% vs 2023
2025: €60k▼ -19.3% vs 2024lowest in 3 years
2023 → 2025
Net result
€14k
2024 · €-4k
2023: €-5klowest in 3 years
2024: €-4k▲ +4.6% vs 2023
2025: €14k▲ +430% vs 2024highest in 3 years
2023 → 2025
Working capital
€57k▼ 21.6%
2024 · €73k
2023: €95khighest in 3 years
2024: €73k▼ -23.7% vs 2023
2025: €57k▼ -21.6% vs 2024lowest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€45k-€41k▼ 9.5%€55k▲ 34.4%
2023: €45k
2024: €41k▼ -9.5% vs 2023lowest in 3 years
2025: €55k▲ +34.4% vs 2024highest in 3 years
Operating result€-4k-€-2k▲ 41.9%€16k
2023: €-4klowest in 3 years
2024: €-2k▲ +41.9% vs 2023
2025: €16k▲ +862% vs 2024highest in 3 years
Net result€-5k-€-4k▲ 4.6%€14k
2023: €-5klowest in 3 years
2024: €-4k▲ +4.6% vs 2023
2025: €14k▲ +430% vs 2024highest in 3 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €60k
Equity
€55k ▲ 34.4%
Debt
€4k ▼ 87.2%
Debt's share of the balance-sheet total falls from 44.2% to 7.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €-2k
Cash flow
€14k▲
2024 · €-4k
Current ratio
30.64
Debt to equity
0.08▼
2024 · 0.79
ROE
25.6%▲
2024 · -10.4%
ROA
23.8%▲
2024 · -5.8%
Interest coverage
129.38▲
2024 · -0.85
Debt ≤ 1 year
€2k▲
2024 · €226
Debt > 1 year
€2k▼
2024 · €32k
Income taxes
€2k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€74k€60k▼
Formation expenses20€796€540▼
Current assets29/58€73k€59k▼
Amounts receivable after more than one year29-€3k
Other amounts receivable291-€3k
Amounts receivable within one year40/41€881€1k▲
Other amounts receivable41€881€1k▲
Cash at bank and in hand54/58€72k€55k▼
Equity and liabilities
Total equity and liabilities10/49€74k€60k▼
Equity10/15€41k€55k▲
Contributions10/11€50k€50k=
Reserves13-€5k
Distributable reserves133-€5k
Profit (loss) carried forward14€-9k-
Amounts payable17/49€33k€4k▼
Amounts payable after more than one year17€32k€2k▼
Other amounts payable178/9€32k€2k▼
Amounts payable within one year42/48€226€2k▲
Trade debts44€226€136▼
Suppliers440/4€226€136▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€256€256=
Other operating charges640/8€126€128▲
Gross operating margin9900€-2k€16k▲
Operating profit (loss)9901€-2k€16k▲
Financial charges65/66B€2k€126▼
Recurring financial charges65€2k€126▼
Profit (loss) for the period before taxes9903€-4k€16k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-4k€14k▲
Profit (loss) for the period to be appropriated9905€-4k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€5k▲
Profit (loss) brought forward from the previous period14P€-5k€-9k▼
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €229 | €256 | €256 | = |
| Other operating charges640/8 | - | €126 | €128 | ▲ 1.6% |
| Gross operating margin9900 | €-3k | €-2k | €16k | ▲ 1,052% |
| Operating profit (loss)9901 | €-4k | €-2k | €16k | ▲ 862% |
| Financial charges65/66B | €873 | €2k | €126 | ▼ 94.2% |
| Recurring financial charges65 | €873 | €2k | €126 | ▼ 94.2% |
| Profit (loss) for the period before taxes9903 | €-5k | €-4k | €16k | ▲ 471% |
| Income taxes67/77 | - | - | €2k | - |
| Profit (loss) for the period9904 | €-5k | €-4k | €14k | ▲ 430% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €-4k | €14k | ▲ 430% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €96k | €74k | €60k | ▼ 19.3% |
| Formation expenses20 | €1k | €796 | €540 | ▼ 32.2% |
| Current assets29/58 | €95k | €73k | €59k | ▼ 19.2% |
| Amounts receivable after more than one year29 | - | - | €3k | - |
| Other amounts receivable291 | - | - | €3k | - |
| Amounts receivable within one year40/41 | €90k | €881 | €1k | ▲ 41.6% |
| Other amounts receivable41 | €90k | €881 | €1k | ▲ 41.6% |
| Cash at bank and in hand54/58 | €6k | €72k | €55k | ▼ 23.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €96k | €74k | €60k | ▼ 19.3% |
| Equity10/15 | €45k | €41k | €55k | ▲ 34.4% |
| Contributions10/11 | €50k | €50k | €50k | = |
| Reserves13 | - | - | €5k | - |
| Distributable reserves133 | - | - | €5k | - |
| Profit (loss) carried forward14 | €-5k | €-9k | - | - |
| Amounts payable17/49 | €51k | €33k | €4k | ▼ 87.2% |
| Amounts payable after more than one year17 | €51k | €32k | €2k | ▼ 93.1% |
| Other amounts payable178/9 | €51k | €32k | €2k | ▼ 93.1% |
| Amounts payable within one year42/48 | €100 | €226 | €2k | ▲ 752% |
| Trade debts44 | €100 | €226 | €136 | ▼ 39.9% |
| Suppliers440/4 | €100 | €226 | €136 | ▼ 39.9% |
| Taxes, remuneration and social security45 | - | - | €2k | - |
| Taxes450/3 | - | - | €2k | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €-4k | €14k | ▲ 430% |
| + Depreciation and write-downs630 | €229 | €256 | €256 | = |
| Operating cash flow (approximation) | €-4k | €-4k | €14k | ▲ 457% |
| Change in cash | - | €66k | €-17k | ▼ 125% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Knokke-Heist · 1 establishment unit since 2023
Ground area
7,151 m²
Building footprint
183 m²
Parcel 31333K0793/00C000, Flanders. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
BIS CONSTRUCT
since 20232.341.581.483
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333K0793/00C000 | Flanders | 7,151 m² | 1 · 182 m² | - |
Linked by address, not proof of ownership
Good to know
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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Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 5,082 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43990Other specialised construction activities
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.