B&B expertise

Active

Private limited companyfounded 20241 yr activeRue de la Justice 502, 6200 Châtelet, BelgiumKBO/BCE: BE 1017.574.540

Summary

B&B expertise has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,460 and a net result of €12,460. Its solvency ranks better than 28% of 14849 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

B&B expertiseActiveChecked score 94/100

Risk analysis Report Compare

Activity

Certified accountants and tax accountants

NACE 69201

1 site

Size

€72,000total assets 2025

Equity: €22,460
Profit: €12,460

Turnover not published (abridged schema)

Financial health

94 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts filed 61 d late

Why 94- Latest accounts 61 days late; 1 of the last 3 late+ Sector Legal and accounting activities (NACE 69)+ Liquidity: current ratio 1.28, cash €31,845+ Figures for FY 2025 (filed 30-09-2026)Show the evidence

Checked score

Score 2025

94 / 100

Excellent

Probability in this band: under 0.55%

Better than 48% of its sector peers (NACE 69, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 56

equity 31.2% of total assets

Liquidity 73

short-term debt 53.8% · cash 44.2%

Profitability 90

return on assets 17.3%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (19,768 companies)

Last 24 months 01-2026: 0.3% 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%▲ +2.3% vs 02-2026 04-2026: 0.3%▲ +1.0% vs 03-2026 05-2026: 0.3%▲ +0.6% vs 04-2026 06-2026: 0.3%▲ +8.8% vs 05-2026 07-2026: 0.4%▲ +7.2% vs 06-2026 08-2026: 0.4%▲ +0.5% vs 07-2026 09-2026: 0.4%▲ +3.2% vs 08-2026highest value 10-2026: < 0.1%▼ -87.2% vs 09-2026lowest value

Sector Legal and accounting activities (NACE 69) lowers the probability
Liquidity: current ratio 1.28, cash €31,845 lowers the probability
Latest accounts 61 days late; 1 of the last 3 late raises the probability
Figures for FY 2025 (filed 30-09-2026) lowers the probability

Credit up to €2,000 at 30 days acceptable

Liquidity tight (current ratio 1.28; short-term debt: 53.8% and cash: 44.2% of total assets), and 68.8% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 31%, liquidity 62%, profitability 52%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Sector Legal and accounting activities (NACE 69)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 1.28, cash €31,845

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 61 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Figures for FY 2025 (filed 30-09-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Young company

Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 · 1 filing

Deviation from the deadline

2025

61 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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