Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 8.4 to 6.
Financials
Financial year 2025
BAIO CONSTRUCTIONS from La Louvière, company number BE0441899435, closed financial year 2025 with a result of € 82,759 after tax. For that financial year BAIO CONSTRUCTIONS recorded a gross margin of € 926,898 and equity of € 3.1 million. Compared with financial year 2024, the result moved from € 179,193 to € 82,759. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 12, 2026.
€ 3.1 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 82,759
▼ 54% vs 2024
Profit after tax over the fiscal year.
€ 27,369
▼ 36% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 70,000 paid out
85 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
6
▼ 1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 397,506
▼ 23% vs 2024
€ 66,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 112,055
▼ 16% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.7 million
▼ 32% vs 2024
€ 223,318 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 407,930
▼ 60% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 70,423
▼ 31% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 855,174 | € 1,184,204 | € 1,235,886 | € 926,898 | ▼ 25% |
| Profit after taxes | € 37,863 | € 73,598 | € 179,193 | € 82,759 | ▼ 54% |
| Equity | € 2,952,411 | € 3,026,010 | € 3,110,202 | € 3,122,962 | |
| Total debts | € 6,970,004 | € 9,714,511 | € 7,846,715 | € 7,701,505 | ▼ 2% |
| Cash | € 59,649 | € 21,414 | € 42,822 | € 27,369 | ▼ 36% |
| Land & buildings | € 581,318 | € 515,434 | € 449,551 | € 349,437 | ▼ 22% |
| Retained profit | € 2,865,411 | € 2,939,010 | € 3,023,202 | € 3,035,962 | |
| Dividend | € 0 | € 0 | € 95,000 | € 70,000 | ▼ 26% |
| Bank debt | € 4,867,889 | € 7,440,333 | € 3,920,544 | € 2,650,436 | ▼ 32% |
| Balance sheet total | € 9,922,416 | € 12,740,521 | € 10,956,917 | € 10,824,466 | ▼ 1% |
| Employees (FTE) | 8.9 | 8.4 | 7 | 6 | ▼ 1 |
Key figures of BAIO CONSTRUCTIONS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to BAIO CONSTRUCTIONS?
What happened at BAIO CONSTRUCTIONS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 82,759 (▼ 54% vs 2024). Source: NBB ↗
- New establishment in La Louvière. KBO
- Start of the company according to the CBE. KBO
In short
From € 37,863 profit in 2022 to € 82,759 profit in 2025.
Paid € 148,282 in corporate taxes since 2022.
Best year ever: 2024, with € 179,193 profit.
On average € 154,500 of value added per employee in 2025.
Management
Behind BAIO CONSTRUCTIONS is VINCENZO BAIO. It owns 27.3% of IMMO-B SA itself.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Rue Jean Jaurès(L.L) 158
7100 La Louvière
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0441.899.435
- VAT number
- BE 0441.899.435
- Registered office
- Rue Jean Jaurès(L.L) 158, 7100 La Louvière
- Names & denominations
- BAIO CONSTRUCTIONS
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 19 October 1990
- Peppol
- Active · Active since 27 Nov 2025
- Activities · NACE
Algemene bouw van residentiële gebouwen
Bouwen van individuele huizen
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis