TECHNO BOUW · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of TECHNO BOUW is 1.1% (low). The 2025 annual accounts show equity of €34k and a net result of €1k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 2873 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-02-2026, 28 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.

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.

How we compute the deadline

The year end is derived from 7 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	28-02-2026	28 d late	2026-00046020
30-06-2024	31-01-2025	28-02-2025	28 d late	2025-00040724
30-06-2023	31-01-2024	02-07-2024	153 d late	2024-00193589
30-06-2022	31-01-2023	24-02-2023	24 d late	2023-00030865
30-06-2021	31-01-2022	28-02-2022	28 d late	2022-06500227
30-06-2020	31-01-2021	12-04-2021	71 d late	2021-10200140
30-06-2019	31-01-2020	27-03-2020	56 d late	2020-07600317

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.1% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€1k

Working capital€33k-51.1%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 28-02-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~15.1%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	55.8%	43.4%	better than 65% of 2873 sector peers
Net result	€1k	€13k	better than 21% of 2872 sector peers
Equity	€34k	€44k	better than 42% of 2873 sector peers
Gross operating margin	€17k	€39k	better than 26% of 2870 sector peers
Staff costs	€13k	€30k	higher than 38% of 929 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P65

Stable position over 2020-2025 · n=1633-11088

Net result P21

Weakening position over 2020-2025 · n=1626-11070

Equity P42

Stable position over 2020-2025 · n=1635-11091

Gross operating margin P26

Improving position over 2020-2025 · n=1624-11060

Describes the position versus peers, not a forecast.

EBITDA

€2k

- 19-25

Net profit

€1k

- 19-25

Cash flow

€1k

- 19-25

Total assets

€62k

-27.2% 19-25

Equity

€34k

+3.3% 19-25

Working capital

€33k

-51.1% 19-25

Employees (FTE)

1

0.0% 19-25

Staff costs

€13k

-58.3% 19-25

Income taxes

€633

-9.6% 19-25

Debt

€27k

-47.0% 19-25

Debt ≤ 1y

€27k

+78.5% 19-25

Current ratio

2.22

-59.3% 19-25

Quick ratio

2.22

-59.3% 19-25

Solvency

55.8%

+41.9% 19-25

Debt / equity

0.79

-48.7% 19-25

ROE

3.2%

- 19-25

ROA

1.8%

- 19-25

Interest coverage

4.62

- 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€2k
Net profit	€1k
Cash flow	€1k
Staff costs	€13k
Income taxes	€633
Dividends	-
Total assets	€62k
Equity	€34k
Debt	€27k
of which ≤ 1y	€27k
of which > 1y	-
Working capital	€33k
Employees (FTE)	1.0

Ratios (computed)

	2025
Current ratio	2.22
Quick ratio	2.22
Working capital ratio	53.9%
Solvency	55.8%
Debt / equity	0.79
Long-term debt ratio	-
Interest coverage	4.62
Gross margin	-
Net margin	-
ROA	1.8%
ROE	3.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €1k · 1.9% Current assets €61k · 98.1%

Equity & liabilities

Equity €34k · 55.8% Debt €27k · 44.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€62k
Fixed assets	21/28	€1k
Tangible fixed assets	22/27	€1k
Current assets	29/58	€61k
Amounts receivable within one year	40/41	€59k
Cash & bank	54/58	€706
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€62k
Equity	10/15	€34k
Contributions / capital	10/11	€6k
Accumulated profits (losses)	14	€28k
Amounts payable	17/49	€27k
Amounts payable within one year	42/48	€27k
Trade debts payable within one year	44	€8k
Income statement
Gross operating margin	9900	€17k
Operating result	9901	€2k
Financial income	75	€289
Financial charges	65	€493
Result before taxes	9903	€2k
Income taxes	67/77	€633
Net result for the period	9904	€1k
Result to be appropriated	9905	€1k

You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

3 directors

Current directors & mandates

FERATI FATMIR
Director
State Gazette act 25141539 (05-11-2025)

Current
05-11-2025 → present

Former directors (2)

MLADENOV GEORGI KOSEV
Director
State Gazette act 25141539 (05-11-2025)

Former
- → 05-11-2025
KULA Rasit
Director
State Gazette act 20034611 (04-03-2020)

Former
- → 21-02-2020

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Overige werkzaamheden in verband met de afwerking van gebouwen(43350)
Legal form	Private limited company(610)
Incorporation	12-06-2018
Status	Active
Postal code	9000

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Afrikalaan 3019000 Gent

Establishment units

1 location

TECHNO BOUW

Afrikalaan 301, 9000 GentAlgemene bouw van residentiële gebouwen

since 20182.279.519.596

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area3,457 m²

Buildings1

Building footprint163 m²

Volume (LiDAR)1,820 m³

Tallest building11.6 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)