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B & D

Active
Private limited company (pre-2019)founded 200818 yrs activeBerghofstraat 8, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0899.049.349
Summary

B & D has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€23,564) and a net result of -€520. Equity remains stable across the filed fiscal years (±2.1% per year). The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Axes · tick = 2024
Profitability-
Solvency-
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 18 years 0 20 y
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€23,564
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
1 d early
2021
on the day
2020
4 d early
2019
4 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 2 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 30 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
neutral · 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

History

B & D was incorporated on 3 July 2008.1 The company has filed 16 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
-€23,564▼ 2.3%
2024 · -€23,045
Total assets
Not included in this filing
Net result
-€520▼ 2.8%
2024 · -€505
Working capital
Not included in this filing
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€449▼ 0.7%-€450▼ 0.2%-€457▼ 1.6%-€505▼ 10.7%-€520▼ 2.8%
Net result-€449▼ 0.7%-€450▼ 0.2%-€457▼ 1.6%-€505▼ 10.7%-€520▼ 2.8%
Equity-€21,633▼ 2.1%-€22,083▼ 2.1%-€22,539▼ 2.1%-€23,045▼ 2.2%-€23,564▼ 2.3%
Debt€21,633▲ 2.1%€22,083▲ 2.1%€22,539▲ 2.1%€23,045▲ 2.2%€23,564▲ 2.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€600-€400-€200€0Operating result 2021: -€449-€449Net result 2021: -€449-€449Operating result 2022: -€450-€450Net result 2022: -€450-€450Operating result 2023: -€457-€457Net result 2023: -€457-€457Operating result 2024: -€505-€505Net result 2024: -€505-€505Operating result 2025: -€520-€520Net result 2025: -€520-€52020212022202320242025-€600-€400-€200€0Operating result 2023: -€457-€457Net result 2023: -€457-€457Operating result 2024: -€505-€505Net result 2024: -€505-€505Operating result 2025: -€520-€520Net result 2025: -€520-€520202320242025
The operating result stays negative: a loss of €520 in 2025 against €505 in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios
2025 value · change against 2024
Debt to equity
-1.00=
2024 · -1.00
Debt ≤ 1 year
€23,564▲
2024 · €23,045
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 20 lines
Balance sheet Code20242025
Equity and liabilities
Equity10/15-€23,045-€23,564▼
Contributions10/11€18,600€18,600=
Profit (loss) carried forward14-€41,645-€42,164▼
Amounts payable17/49€23,045€23,564▲
Amounts payable within one year42/48€23,045€23,564▲
Financial debts43€997€997=
Credit institutions430/8€997€997=
Trade debts44€8,252€8,771▲
Suppliers440/4€8,252€8,771▲
Taxes, remuneration and social security45€6,338€6,338=
Taxes450/3€5,038€5,038=
Remuneration and social security454/9€1,300€1,300=
Other amounts payable47/48€7,459€7,459=
Income statement Code20242025
Other operating charges640/8€505€520▲
Operating profit (loss)9901-€505-€520▼
Profit (loss) for the period before taxes9903-€505-€520▼
Profit (loss) for the period9904-€505-€520▼
Profit (loss) for the period to be appropriated9905-€505-€520▼
Appropriation of the result
Profit (loss) to be appropriated9906-€41,645-€42,164▼
Profit (loss) brought forward from the previous period14P-€41,139-€41,645▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8--€457€505€520▲ 2.8%
Gross operating margin9900--€450----
Operating profit (loss)9901-€449-€450-€457-€505-€520▼ 2.8%
Profit (loss) for the period before taxes9903-€449-€450-€457-€505-€520▼ 2.8%
Profit (loss) for the period9904-€449-€450-€457-€505-€520▼ 2.8%
Profit (loss) for the period to be appropriated9905-€449-€450-€457-€505-€520▼ 2.8%
Line20212022202320242025Change
Equity and liabilities
Total equity and liabilities10/49€0-----
Equity10/15-€21,633-€22,083-€22,539-€23,045-€23,564▼ 2.3%
Contributions10/11-€18,600€18,600€18,600€18,600=
Profit (loss) carried forward14-€40,233-€40,683-€41,139-€41,645-€42,164▼ 1.2%
Amounts payable17/49€21,633€22,083€22,539€23,045€23,564▲ 2.3%
Amounts payable within one year42/48€21,633€22,083€22,539€23,045€23,564▲ 2.3%
Financial debts43-€997€997€997€997=
Credit institutions430/8-€997€997€997€997=
Trade debts44€7,297€7,746€7,746€8,252€8,771▲ 6.3%
Suppliers440/4-€7,746€7,746€8,252€8,771▲ 6.3%
Taxes, remuneration and social security45-€6,338€6,338€6,338€6,338=
Taxes450/3-€5,038€5,038€5,038€5,038=
Remuneration and social security454/9-€1,300€1,300€1,300€1,300=
Other amounts payable47/48-€7,002€7,459€7,459€7,459=
Line20212022202320242025Change
Profit (loss) for the period9904-€449-€450-€457-€505-€520▼ 2.8%
Operating cash flow (approximation)-€449-€450-€457-€505-€520▼ 2.8%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
30-01
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial Weakest financial yearnet -€520
Net result drops to -€520, the lowest in the series.
30-01
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-01
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-01
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-01
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
13-01
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 2008
seat establishment The establishment unit on the map
Ground area
1,711 m²
Building footprint
285 m²
Volume, LiDAR
1,648 m³
Parcel 71009C0269/00S000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
B & D
Berghofstraat 8, 3800 Sint-TruidenOffice administrative, office support and other business support activities
since 20082.172.314.802
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71009C0269/00S000 Flanders 1,710 m² 1 · 285 m² 9.5 m · 2 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.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded03-07-2008
Fiscal year end30-06
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.