INGEBOIS CONSTRUCT

Active

Private limited company (pre-2019)founded 201114 yrs activeRue de Tournai(PEC) 124, 7740 Pecq, BelgiumKBO/BCE: BE 0841.794.407

INGEBOIS CONSTRUCT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €28k and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 168 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2024

58 / 100

Fair▼ -5 vs 2023

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

Axes · tick = 2023

Profitability89▼-11

Solvency16▼-5

Growth52=

Stability100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity tight (current ratio 1.04 against 1.27 in 2023), and 94.5% 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

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

−lowers risk+raises risk○neutral

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

5.5%

Return on assets

Age of the figures

20 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 16

Relative position

BE, all sectors

reference

Sector 16

higher

← fewer bankruptcies more bankruptcies →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 168 sector peers (2024).

NBB · sector comparison

Position among 168 sector peers

Solvency

better than 11%

← weakest strongest →

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €28k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filings

Deviation from the deadline

2025

not confirmed

2024

29 d late

2023

42 d late

2022

51 d late

2021

59 d late

2020

68 d late

2019

46 d late

← before the deadline after the 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 2024, full schema

Turnover

€738k

EBIT margin

4.4%

Net result

€5k▼ 60.1%

2023 · €12k

2018: €19k 2019: €31k 2020: €3k 2021: €-41k 2022: €29k 2023: €12k

2018 → 2024

Working capital

€19k▼ 76.8%

2023 · €82k

2018: €-9k 2019: €9k 2020: €-5k 2021: €-50k 2022: €5k 2023: €82k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€22k-€-19k€11k€23k▲ 118%€28k▲ 21.6%

Operating result€12k-€-33k€40k€32k▼ 19.5%€32k▼ 2.7%

Net result€3k-€-41k€29k€12k▼ 57.3%€5k▼ 60.1%

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2024 is 3% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €512k

97.8%

Fixed assets €11k▼ 33.0%

Current assets €500k▲ 30.9%

Equity and liabilities €512k

94.5%

Equity €28k▲ 21.6%

Debt €484k▲ 28.6%

The debt ratio rises from 94.2% to 94.5%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€42k▼

2023 · €44k

Cash flow

€15k▼

2023 · €24k

Solvency

5.5%▼

2023 · 5.8%

Current ratio

1.04▼

2023 · 1.27

Quick ratio

0.84▼

2023 · 0.95

Debt / equity

17.29▲

2023 · 16.35

ROE

17.8%▼

2023 · 54.1%

ROA

1.0%▼

2023 · 3.1%

Interest coverage

1.82▼

2023 · 3.01

Debt

€484k▲

2023 · €376k

Debt ≤ 1 year

€481k▲

2023 · €300k

Debt > 1 year

€3k▼

2023 · €10k

Income taxes

€4k▼

2023 · €6k

Staff costs

€468k▲

2023 · €438k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€399k€512k▲

Fixed assets21/28€17k€11k▼

Tangible fixed assets22/27€17k€11k▼

Plant, machinery and equipment23€9k€8k▼

Furniture and vehicles24€8k€3k▼

Current assets29/58€382k€500k▲

Stocks and contracts in progress3€96k€97k▲

Stocks30/36€96k€97k▲

Amounts receivable within one year40/41€284k€320k▲

Trade receivables40€243k€289k▲

Other amounts receivable41€41k€31k▼

Cash at bank and in hand54/58€2k€83k▲

Equity and liabilities

Total equity and liabilities10/49€399k€512k▲

Equity10/15€23k€28k▲

Contributions10/11€19k€19k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€3k€8k▲

Amounts payable17/49€376k€484k▲

Amounts payable after more than one year17€10k€3k▼

Financial debts170/4€10k€3k▼

Amounts payable within one year42/48€300k€481k▲

Current portion of amounts payable after more than one year42€14k€7k▼

Financial debts43€29k€125k▲

Credit institutions430/8€29k€125k▲

Trade debts44€188k€269k▲

Suppliers440/4€188k€269k▲

Taxes, remuneration and social security45€69k€80k▲

Taxes450/3€45k€55k▲

Remuneration and social security454/9€24k€25k▲

Accrued charges and deferred income492/3€66k-

Income statement Code20232024

Remuneration, social security and pensions62€438k€468k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼

Other operating charges640/8€824€7k▲

Non-recurring operating charges66A€155€1k▲

Gross operating margin9900€483k€517k▲

Operating profit (loss)9901€32k€32k▼

Financial income75/76B€326€389▲

Recurring financial income75€326€389▲

Financial charges65/66B€15k€23k▲

Recurring financial charges65€15k€23k▲

Profit (loss) for the period before taxes9903€18k€9k▼

Income taxes67/77€6k€4k▼

Profit (loss) for the period9904€12k€5k▼

Profit (loss) for the period to be appropriated9905€12k€5k▼

Appropriation of the result

Profit (loss) to be appropriated9906€3k€8k▲

Profit (loss) brought forward from the previous period14P€-10k€3k▲

Social balance

Average headcount (FTE)90879.89.1▼

The notes to these accounts (12 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 13Financial 3Filings 10

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 29 days late

2024

11-09

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 42 days late

2023

20-09

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 51 days late

2022

31-12

Financial Back to profitnet €29k

Net result €29k after one loss-making year.

28-09

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 59 days late

2021

31-12

Financial Weakest financial yearnet €-41k ▼1383%

Net result drops to €-41k, the lowest in the series; recovery starts the following year.

07-10

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 68 days late

2020

15-09

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 46 days late

2019

31-12

Financial Highest result since 2018net €31k ▲66.8%

Operating result €42k, net result €31k, both a record.

07-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 7 days late

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 31 days late

2017

28-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 28 days late

2016

14-07

NBB filing Annual accounts filed

fiscal year 2015 · full 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, Pecq · 1 establishment unit since 2011

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.

Rue de Tournai(PEC) 1247740 Pecq

Ground area

2,382 m²

Building footprint

362 m²

Volume, LiDAR

2,491 m³

Parcel 57062B0680/00H000, Wallonia · tallest building 17.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

INGEBOIS CONSTRUCT

Rue de Tournai(PEC) 124, 7740 PecqManufacture of other builders' carpentry and joinery

since 20112.206.947.265

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57062B0680/00H000	Wallonia	2,382 m²	1 · 362 m²	17.4 m · 2 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

Hamme (Vl.) · Eq €28k

Of 1,594 companies in sector 16230 we hold annual accounts for 777. 507 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded14-12-2011

Fiscal year end31-12

Activities, NACEBEL

16230Manufacture of other builders' carpentry and joinery

43410Roofing work

43320Joinery installation

Sources

Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.