Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
Financials
Financial year 2025
BIA CONSTRUCTION from Charleroi, company number BE0446382617, closed financial year 2025 with a result of € 16,755 after tax. For that financial year BIA CONSTRUCTION recorded a gross margin of € 105,313 and equity of € -12,997. Compared with financial year 2024, the result moved from € -21,645 to € 16,755. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 18, 2026.
€ -12,997
▲ € 16,755 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 16,755
▲ still € 21,645 loss in 2024
Profit after tax over the fiscal year.
€ 36,647
▲ 79% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -34,387.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 68,278
▲ 57% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 33,434
▼ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 4,089
▼ 70% vs 2024
Loans from banks and other lenders, long and short.
€ 105,617
▲ 34% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,217
▼ 67% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 93,377 | € 114,543 | € 43,351 | € 105,313 | ▲ 143% |
| Profit after taxes | € 12,679 | € -7,064 | € -21,645 | € 16,755 | ▲ € 38,400 |
| Equity | € -3,711 | € -7,977 | € -29,752 | € -12,997 | ▲ € 16,755 |
| Total debts | € 207,231 | € 176,956 | € 180,306 | € 180,678 | |
| Cash | € 1,564 | € 19,753 | € 20,419 | € 36,647 | ▲ 79% |
| Retained profit | € -22,303 | € -29,367 | € -51,141 | € -34,387 | ▲ € 16,755 |
| Bank debt | € 34,482 | € 20,291 | € 13,513 | € 4,089 | ▼ 70% |
| Balance sheet total | € 203,520 | € 168,979 | € 150,554 | € 167,681 | ▲ 11% |
| Employees (FTE) | 3.6 | - | - | - |
Key figures of BIA CONSTRUCTION, 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 BIA CONSTRUCTION?
What happened at BIA CONSTRUCTION in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 16,755. Source: NBB ↗
- Etienne Bia became a director. NBB
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
In short
From € 12,679 profit in 2022 to € 16,755 profit in 2025.
Paid € 3,578 in corporate taxes since 2022.
Best year ever: 2025, with € 16,755 profit.
On average € 25,900 of value added per employee in 2022.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind BIA CONSTRUCTION is Etienne Bia.
Directors
According to the 2025 annual accounts
Etienne Bia
Administrateur gérant
since 2015
Establishments
Establishment units
Physical locations of this company
Avenue du Centenaire 77 box 2
6061 Charleroi
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.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
LWS, FR
Website info
Features
Security
Details
- Company number
- 0446.382.617
- VAT number
- BE 0446.382.617
- Registered office
- Avenue du Centenaire 77 bus 2, 6061 Charleroi
- Names & denominations
- BIA CONSTRUCTION
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 January 1992
- Peppol
- Active · Active since 7 Jan 2026
- Contact
- bia-construction.be [email protected]
- Activities · NACE
Algemene bouw van residentiële gebouwen
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Artisanale brood- en banketbakkerijen