BUILDING MATERIAL FACTORY
ActiveBUILDING MATERIAL FACTORY has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €331k and a net result of €158k. Equity is growing by ~44.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 404 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+7
Solvency49▲+12
Growth81▲+3
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.48 in 2024; short-term debt: 48.2% and cash: 5.8% of total assets), but 76.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
23.8%
Return on assets
11.4%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
26 d late
2022
30 d late
2021
2 d early
2020
31 d early
2019
67 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€4.14M▲ 34.8%
2023 · €3.07M
2019: €0
2021: €0
2023: €3.07M
2019 → 2025
EBIT margin
4.0%▲ 0.4pp
2023 · 3.6%
2023: 3.6%
2023 → 2025
Net result
€158k▲ 524%
2024 · €25k
2018: €-54k
2019: €29k
2020: €161k
2021: €7k
2022: €37k
2023: €63k
2024: €25k
2018 → 2025
Working capital
€559k▲ 42.7%
2024 · €392k
2018: €-206k
2019: €-289k
2020: €-179k
2021: €97k
2022: €192k
2023: €317k
2024: €392k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€3.07M€4.14M
Equity€48k-€85k▲ 76.8%€148k▲ 75.0%€173k▲ 17.1%€331k▲ 91.2%
Operating result€-11k-€44k€112k▲ 156%€62k▼ 44.2%€167k▲ 167%
Net result€7k-€37k▲ 441%€63k▲ 72.6%€25k▼ 60.0%€158k▲ 524%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 167% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€161k▼ 9.8%
Current assets
€1.23M▲ 1.3%
Equity and liabilities €1.39M
Equity
€331k▲ 91.2%
Debt
€1.06M▼ 13.1%
The debt ratio falls from 87.5% to 76.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€244k▲
2024 · €171k
Cash flow
€235k▲
2024 · €134k
Solvency
23.8%▲
2024 · 12.5%
Current ratio
1.83▲
2024 · 1.48
Quick ratio
0.91▲
2024 · 0.66
Debt / equity
3.19▼
2024 · 7.03
ROE
47.7%▲
2024 · 14.6%
ROA
11.4%▲
2024 · 1.8%
Interest coverage
23.40▲
2024 · 5.00
Debt
€1.06M▼
2024 · €1.22M
Debt ≤ 1 year
€670k▼
2024 · €822k
Debt > 1 year
€348k▼
2024 · €356k
Income taxes
€48k▲
2024 · €13k
Staff costs
€522k▲
2024 · €361k
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€1.39M€1.39M▼
Fixed assets21/28€178k€161k▼
Intangible fixed assets21€22k€17k▼
Tangible fixed assets22/27€156k€144k▼
Land and buildings22€45k€37k▼
Plant, machinery and equipment23€69k€83k▲
Furniture and vehicles24€4k€3▼
Leasing and similar rights25€39k€24k▼
Current assets29/58€1.21M€1.23M▲
Stocks and contracts in progress3€669k€617k▼
Stocks30/36€669k€617k▼
Amounts receivable within one year40/41€482k€513k▲
Trade receivables40€482k€455k▼
Other amounts receivable41€307€57k▲
Cash at bank and in hand54/58€55k€81k▲
Deferred charges and accrued income490/1€7k€19k▲
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.39M▼
Equity10/15€173k€331k▲
Contributions10/11€20k€20k=
Reserves13€111k€111k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€109k€109k=
Profit (loss) carried forward14€42k€200k▲
Amounts payable17/49€1.22M€1.06M▼
Amounts payable after more than one year17€356k€348k▼
Financial debts170/4€356k€348k▼
Amounts payable within one year42/48€822k€670k▼
Current portion of amounts payable after more than one year42€31k€8k▼
Trade debts44€173k€30k▼
Suppliers440/4€173k€30k▼
Taxes, remuneration and social security45€94k€108k▲
Taxes450/3€58k€46k▼
Remuneration and social security454/9€36k€63k▲
Other amounts payable47/48€524k€524k=
Accrued charges and deferred income492/3€40k€40k=
Income statement
Code20242025
Turnover70-€4.14M
Goods, raw materials, services and sundry goods60/61-€3.29M
Remuneration, social security and pensions62€361k€522k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€109k€77k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-52k-
Other operating charges640/8€11k€14k▲
Non-recurring operating charges66A-€61k
Gross operating margin9900€490k€842k▲
Operating profit (loss)9901€62k€167k▲
Financial income75/76B€10k€49k▲
Recurring financial income75€10k€49k▲
Financial charges65/66B€34k€10k▼
Recurring financial charges65€34k€10k▼
Profit (loss) for the period before taxes9903€38k€206k▲
Income taxes67/77€13k€48k▲
Profit (loss) for the period9904€25k€158k▲
Profit (loss) for the period to be appropriated9905€25k€158k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€200k▲
Profit (loss) brought forward from the previous period14P€17k€42k▲
Social balance
Average headcount (FTE)9087-10.8
The notes to these accounts (13 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €331k ▲91.2%
7 profitable years in a row build equity to €331k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €173k ▲17.1%
6 profitable years in a row build equity to €173k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
31-12
Financial
Equity above €100kEq €148k ▲75%
5 profitable years in a row build equity to €148k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €161k ▲450%
Operating result €209k, net result €161k, both a record.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 67 days late
2019
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Herstal · 1 establishment unit since 2009
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.
Parc Ind. des Hauts Sarts, 1e av 2354040 Herstal1 establishment unit
BUILDING MATERIAL FACTORY
since 20092.176.313.972
Recognitions · licences · registrations
Legal Entity Identifier
87550063DUANCKPOY423
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Of 41 companies in sector 28920 we hold annual accounts for 28. 23 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2008
Fiscal year end31-12
Activities, NACEBEL
28920Manufacture of machinery and equipment not elsewhere classified
22120Manufacture of rubber and plastic products
22240Manufacture of rubber and plastic products
24200Manufacture of basic metals
33120Repair and maintenance of machinery
33200Installation of industrial machinery and equipment
43421Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
46649Wholesale of other machinery and equipment
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.