BOUWBEDRIJF HERMANS CONSTRUCT

Active

Private limited companyfounded 20206 yrs activeKreweg 12, 2830 Willebroek, BelgiumKBO/BCE: BE 0745.871.602

The computed 12-month bankruptcy probability of BOUWBEDRIJF HERMANS CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €14k and a net result of €402. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 32% of 7321 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair▲ +41 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability15▲+12

Solvency39▲+15

Growth78▲+26

Stability100

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity short (current ratio 0.96 against 0.55 in 2024), and 74% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-05-2026, 65 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

65 d early

2024

65 d early

2023

54 d early

2022

56 d early

2021

36 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€14k▲ 3.0%

2024 · €13k

2021: €11k 2022: €12k 2023: €13k 2024: €13k

2021 → 2025

Total assets

€52k▼ 6.8%

2024 · €56k

2021: €44k 2022: €58k 2023: €36k 2024: €56k

2021 → 2025

Net result

€402▲ 403%

2024 · €80

2021: €281 2022: €625 2023: €985 2024: €80

2021 → 2025

Working capital

€-1k▲ 91.8%

2024 · €-12k

2021: €1k 2022: €-9k 2023: €2k 2024: €-12k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€11k-€12k▲ 5.4%€13k▲ 8.1%€13k▲ 0.6%€14k▲ 3.0%

Operating result€1k-€2k▲ 36.4%€4k▲ 78.8%€420▼ 88.3%€2k▲ 406%

Net result€281-€625▲ 122%€985▲ 57.4%€80▼ 91.9%€402▲ 403%

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 406% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €52k

52.3%

47.7%

Fixed assets €27k▼ 33.0%

Current assets €25k▲ 63.3%

Equity and liabilities €52k

26.0%

74.0%

Equity €14k▲ 3.0%

Debt €39k▼ 9.9%

The debt ratio falls from 76.5% to 74.0%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€12k▲

2024 · €5k

Cash flow

€11k▲

2024 · €5k

Solvency

26.0%▲

2024 · 23.5%

Current ratio

0.96▲

2024 · 0.55

Quick ratio

0.96▲

2024 · 0.55

Debt / equity

2.84▼

2024 · 3.25

ROE

3.0%▲

2024 · 0.6%

ROA

0.8%▲

2024 · 0.1%

Interest coverage

9.56▲

2024 · -37.25

Debt

€39k▼

2024 · €43k

Debt ≤ 1 year

€26k▼

2024 · €28k

Debt > 1 year

€13k▼

2024 · €15k

Income taxes

€444▼

2024 · €492

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€56k€52k▼

Fixed assets21/28€41k€27k▼

Tangible fixed assets22/27€41k€27k▼

Land and buildings22€5k€4k▼

Plant, machinery and equipment23€3k€2k▼

Furniture and vehicles24€27k€16k▼

Other tangible fixed assets26€6k€6k▼

Current assets29/58€15k€25k▲

Amounts receivable within one year40/41€3k€1k▼

Trade receivables40€500€1k▲

Other amounts receivable41€2k€0▼

Cash at bank and in hand54/58€6k€17k▲

Deferred charges and accrued income490/1€7k€7k▲

Equity and liabilities

Total equity and liabilities10/49€56k€52k▼

Equity10/15€13k€14k▲

Contributions10/11€11k€11k=

Reserves13€2k€2k▲

Distributable reserves133€2k€2k▲

Amounts payable17/49€43k€39k▼

Amounts payable after more than one year17€15k€13k▼

Financial debts170/4€15k€13k▼

Amounts payable within one year42/48€28k€26k▼

Current portion of amounts payable after more than one year42€2k€2k▲

Trade debts44€41€307▲

Suppliers440/4€41€307▲

Taxes, remuneration and social security45€1k€7k▲

Taxes450/3€1k€7k▲

Remuneration and social security454/9€0-

Other amounts payable47/48€24k€16k▼

Accrued charges and deferred income492/3€265€0▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€10k▲

Other operating charges640/8€626€902▲

Non-recurring operating charges66A€0-

Gross operating margin9900€6k€13k▲

Operating profit (loss)9901€420€2k▲

Financial income75/76B€13€0▼

Recurring financial income75€13€0▼

Financial charges65/66B€-138€1k▲

Recurring financial charges65€-138€1k▲

Profit (loss) for the period before taxes9903€572€846▲

Income taxes67/77€492€444▼

Profit (loss) for the period9904€80€402▲

Profit (loss) for the period to be appropriated9905€80€402▲

Appropriation of the result

Profit (loss) to be appropriated9906€80€402▲

Transfer to equity691/2€80€402▲

To other reserves6921€80€402▲

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

27-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €80 ▼91.9%

Net result drops to €80, the lowest in the series; recovery starts the following year.

07-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2021net €985 ▲57.4%

Operating result €4k, net result €985, both a record.

05-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

25-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Willebroek · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Kreweg 122830 Willebroek

Ground area

797 m²

Building footprint

170 m²

Volume, LiDAR

775 m³

Parcel 12040A0480/00K002, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

BOUWBEDRIJF HERMANS CONSTRUCT

Kreweg 12, 2830 WillebroekGeneral construction of buildings

since 20202.301.027.763

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12040A0480/00K002	Flanders	797 m²	1 · 170 m²	8.2 m · 1 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

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GHEGA INTERIORS

BE 0790.860.695

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FRANCE-Valdor

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Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 10,242 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-04-2020

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

41003General construction of other non-residential buildings

43110Demolition

43120Site preparation

43350Other building finishing work

43910Bricklaying and masonry work

43990Other specialised construction activities

43994Specialised construction activities

43999Specialised construction activities

64200Holdings

64210Activities of holding companies

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:hermans.construct@gmail.com

Enterprise