K&B CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of K&B CONSTRUCT is 3.3% (moderate). The 2025 annual accounts show equity of €68k and a net result of €17k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 58% of 7500 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+9
Solvency77▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.43 in 2024; short-term debt: 48.3% and cash: 5.7% of total assets), and 48.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
raises risk · 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
Construction of residential and non-residential buildings (NACE 41)
about 67% more 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
51.7%
Return on assets
13%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 6 filingsDeviation from the deadline
2025
2 d late
2024
17 d late
2023
on the day
2022
on the day
2021
on the day
2020
16 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 33.7%
2024 · €51k
2020: €24klowest in 6 years
2021: €40k▲ +65.9% vs 2020
2022: €40k▼ -1.2% vs 2021
2023: €44k▲ +11.2% vs 2022
2024: €51k▲ +14.9% vs 2023
2025: €68k▲ +33.7% vs 2024highest in 6 years
2020 → 2025
Total assets
€131k▲ 11.4%
2024 · €118k
2020: €129k
2021: €86k▼ -33.6% vs 2020
2022: €80k▼ -6.3% vs 2021lowest in 6 years
2023: €101k▲ +26.0% vs 2022
2024: €118k▲ +16.4% vs 2023
2025: €131k▲ +11.4% vs 2024highest in 6 years
2020 → 2025
Net result
€17k▲ 161%
2024 · €7k
2020: €22khighest in 6 years
2021: €16k▼ -26.9% vs 2020
2022: €-467▼ -103% vs 2021lowest in 6 years
2023: €4k▲ +1057% vs 2022
2024: €7k▲ +47.4% vs 2023
2025: €17k▲ +161% vs 2024
2020 → 2025
Working capital
€53k▲ 83.4%
2024 · €29k
2020: €24klowest in 6 years
2021: €33k▲ +35.0% vs 2020
2022: €40k▲ +21.5% vs 2021
2023: €29k▼ -26.0% vs 2022
2024: €29k▼ -2.2% vs 2023
2025: €53k▲ +83.4% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€40k▼ 1.2%€44k▲ 11.2%€51k▲ 14.9%€68k▲ 33.7%
2021: €40k
2022: €40k▼ -1.2% vs 2021lowest in 5 years
2023: €44k▲ +11.2% vs 2022
2024: €51k▲ +14.9% vs 2023
2025: €68k▲ +33.7% vs 2024highest in 5 years
Operating result€26k-€202▼ 99.2%€7k▲ 3,449%€10k▲ 44.5%€29k▲ 175%
2021: €26k
2022: €202▼ -99.2% vs 2021lowest in 5 years
2023: €7k▲ +3449% vs 2022
2024: €10k▲ +44.5% vs 2023
2025: €29k▲ +175% vs 2024highest in 5 years
Net result€16k-€-467€4k€7k▲ 47.4%€17k▲ 161%
2021: €16k
2022: €-467▼ -103% vs 2021lowest in 5 years
2023: €4k▲ +1057% vs 2022
2024: €7k▲ +47.4% vs 2023
2025: €17k▲ +161% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 175% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€15k ▼ 32.5%
Current assets
€116k ▲ 21.7%
Equity and liabilities €131k
Equity
€68k ▲ 33.7%
Debt
€63k ▼ 5.6%
Debt's share of the balance-sheet total falls from 57.0% to 48.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €19k
Cash flow
€29k▲
2024 · €16k
Current ratio
1.83▲
2024 · 1.43
Debt to equity
0.93▼
2024 · 1.32
ROE
25.2%▲
2024 · 13.0%
ROA
13.0%▲
2024 · 5.6%
Interest coverage
35.94▼
2024 · 42.41
Debt ≤ 1 year
€63k▼
2024 · €67k
Income taxes
€10k▲
2024 · €3k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€118k€131k▲
Fixed assets21/28€22k€15k▼
Tangible fixed assets22/27€22k€15k▼
Plant, machinery and equipment23-€4k
Furniture and vehicles24€22k€11k▼
Financial fixed assets28€559€559=
Current assets29/58€96k€116k▲
Amounts receivable within one year40/41€68k€108k▲
Trade receivables40€48k€87k▲
Other amounts receivable41€19k€21k▲
Cash at bank and in hand54/58€27k€7k▼
Deferred charges and accrued income490/1€873€684▼
Equity and liabilities
Total equity and liabilities10/49€118k€131k▲
Equity10/15€51k€68k▲
Contributions10/11€10k€10k=
Outside capital11€10k€10k=
Share premium1100/10€10k€10k=
Reserves13€41k€58k▲
Distributable reserves133€41k€58k▲
Profit (loss) carried forward14€293€433▲
Amounts payable17/49€67k€63k▼
Amounts payable within one year42/48€67k€63k▼
Trade debts44€30k€43k▲
Suppliers440/4€30k€43k▲
Taxes, remuneration and social security45€22k€21k▼
Taxes450/3€5k€13k▲
Remuneration and social security454/9€17k€8k▼
Other amounts payable47/48€15k€66▼
Accrued charges and deferred income492/3€440-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€22k€44k▲
Operating profit (loss)9901€10k€29k▲
Financial income75/76B€29-
Recurring financial income75€29-
Financial charges65/66B€456€1k▲
Recurring financial charges65€456€1k▲
Profit (loss) for the period before taxes9903€10k€27k▲
Income taxes67/77€3k€10k▲
Profit (loss) for the period9904€7k€17k▲
Profit (loss) for the period to be appropriated9905€7k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€17k▲
Profit (loss) brought forward from the previous period14P€214€293▲
Transfer to equity691/2€7k€17k▲
To other reserves6921€7k€17k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €148 | - | €2k | €9k | €12k | ▲ 37.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €1k | - | - | - |
| Other operating charges640/8 | - | €1k | €1k | €3k | €3k | ▲ 17.3% |
| Non-recurring operating charges66A | - | - | €650 | - | - | - |
| Gross operating margin9900 | €27k | €1k | €13k | €22k | €44k | ▲ 99.6% |
| Operating profit (loss)9901 | €26k | €202 | €7k | €10k | €29k | ▲ 175% |
| Financial income75/76B | - | €49 | €55 | €29 | - | - |
| Recurring financial income75 | €93 | €49 | €55 | €29 | - | - |
| Financial charges65/66B | - | €216 | €760 | €456 | €1k | ▲ 149% |
| Recurring financial charges65 | €3k | €216 | €760 | €456 | €1k | ▲ 149% |
| Profit (loss) for the period before taxes9903 | €22k | €35 | €6k | €10k | €27k | ▲ 175% |
| Income taxes67/77 | €6k | €502 | €2k | €3k | €10k | ▲ 203% |
| Profit (loss) for the period9904 | €16k | €-467 | €4k | €7k | €17k | ▲ 161% |
| Profit (loss) for the period to be appropriated9905 | €16k | €-467 | €4k | €7k | €17k | ▲ 161% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €86k | €80k | €101k | €118k | €131k | ▲ 11.4% |
| Fixed assets21/28 | €8k | - | €15k | €22k | €15k | ▼ 32.5% |
| Tangible fixed assets22/27 | €8k | - | €15k | €22k | €15k | ▼ 33.3% |
| Plant, machinery and equipment23 | - | - | - | - | €4k | - |
| Furniture and vehicles24 | - | - | €15k | €22k | €11k | ▼ 50.7% |
| Financial fixed assets28 | - | - | - | €559 | €559 | = |
| Current assets29/58 | €78k | €80k | €86k | €96k | €116k | ▲ 21.7% |
| Amounts receivable within one year40/41 | €44k | €58k | €82k | €68k | €108k | ▲ 59.7% |
| Trade receivables40 | - | €46k | €64k | €48k | €87k | ▲ 81.2% |
| Other amounts receivable41 | - | €13k | €18k | €19k | €21k | ▲ 6.5% |
| Cash at bank and in hand54/58 | €34k | €22k | €4k | €27k | €7k | ▼ 72.3% |
| Deferred charges and accrued income490/1 | - | €451 | €1k | €873 | €684 | ▼ 21.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €86k | €80k | €101k | €118k | €131k | ▲ 11.4% |
| Equity10/15 | €40k | €40k | €44k | €51k | €68k | ▲ 33.7% |
| Contributions10/11 | - | €10k | €10k | €10k | €10k | = |
| Outside capital11 | - | €10k | €10k | €10k | €10k | = |
| Share premium1100/10 | - | €10k | €10k | €10k | €10k | = |
| Reserves13 | €30k | €30k | €34k | €41k | €58k | ▲ 42.0% |
| Distributable reserves133 | - | €30k | €34k | €41k | €58k | ▲ 42.0% |
| Profit (loss) carried forward14 | €216 | €-250 | €214 | €293 | €433 | ▲ 47.6% |
| Amounts payable17/49 | €46k | €41k | €57k | €67k | €63k | ▼ 5.6% |
| Amounts payable within one year42/48 | €46k | €41k | €57k | €67k | €63k | ▼ 4.9% |
| Trade debts44 | €25k | €27k | €36k | €30k | €43k | ▲ 40.8% |
| Suppliers440/4 | - | €27k | €36k | €30k | €43k | ▲ 40.8% |
| Taxes, remuneration and social security45 | - | €13k | €18k | €22k | €21k | ▼ 4.3% |
| Taxes450/3 | - | €4k | €3k | €5k | €13k | ▲ 165% |
| Remuneration and social security454/9 | - | €8k | €15k | €17k | €8k | ▼ 51.6% |
| Other amounts payable47/48 | - | €2k | €3k | €15k | €66 | ▼ 99.6% |
| Accrued charges and deferred income492/3 | - | - | €126 | €440 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €-467 | €4k | €7k | €17k | ▲ 161% |
| + Depreciation and write-downs630 | €148 | - | €2k | €9k | €12k | ▲ 37.3% |
| Operating cash flow (approximation) | €16k | €-467 | €7k | €16k | €29k | ▲ 89.5% |
| Investment in fixed assets (approximation) | - | - | - | €-16k | €-5k | ▲ 69.7% |
| Change in cash | - | €-13k | €-18k | €24k | €-20k | ▼ 183% |
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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
17-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 17 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-467
Net result drops to €-467, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2019
Ground area
801 m²
Building footprint
441 m²
Volume, LiDAR
8,413 m³
Parcel 21562A0329/00R012, Brussels · tallest building 22.6 m, ±6 floors. Linked by address, not a title deed.
174
companies at this address
See who is registered here
1 establishment unit
K&B CONSTRUCT
since 20192.295.675.244
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0329/00R012 | Brussels | 801 m² | 1 · 441 m² | 22.6 m · 6 fl. |
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.
Similar companies · same sector, comparable size
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FERREINOX
BE 0735.725.105
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URBAINE CONSTRUCT SOLUTIONS
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 13,226 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
Founded07-11-2019
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.