B.D.B.
ActiveSummary
B.D.B. has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€105,233) and a net result of -€11,438. Equity is shrinking by ~54.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.12 against 0.1 in 2024; short-term debt: 538% and cash: 20.9% of total assets), and equity is negative.
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-444.3%
Return on assets
-48.3%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€105,233
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-05-2026, 7 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 · 10 filingsDeviation from the deadline
2025
7 d late
2024
23 d late
2023
23 d late
2022
8 d late
2021
32 d early
2020
31 d late
2019
15 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 8 May (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€105,233▼ 12.2%
2024 · -€93,795
Total assets
€23,686▼ 12.9%
2024 · €27,178
Net result
-€11,438▲ 54.4%
2024 · -€25,068
Working capital
-€111,914▼ 4.2%
2024 · -€107,426
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€7,782▼ 783%€2,280-€41,682-€24,897▲ 40.3%-€11,301▲ 54.6%
Net result-€9,957below the sector's middle half▼ 557%-€40within the sector's middle half▲ 99.6%-€42,235below the sector's middle half▼ 104,675%-€25,068below the sector's middle half▲ 40.6%-€11,438below the sector's middle half▲ 54.4%
Equity-€26,452below the sector's middle half▼ 60.4%-€26,492below the sector's middle half▼ 0.2%-€68,727below the sector's middle half▼ 159%-€93,795below the sector's middle half▼ 36.5%-€105,233below the sector's middle half▼ 12.2%
Total assets€32,839below the sector's middle half▼ 28.6%€75,962within the sector's middle half▲ 131%€36,192below the sector's middle half▼ 52.4%€27,178below the sector's middle half▼ 24.9%€23,686below the sector's middle half▼ 12.9%
Debt€59,291▼ 5.1%€102,455▲ 72.8%€104,919▲ 2.4%€120,973▲ 15.3%€128,919▲ 6.6%
Working capital-€28,971below the sector's middle half▼ 16.9%-€54,022below the sector's middle half▼ 86.5%-€89,307below the sector's middle half▼ 65.3%-€107,426below the sector's middle half▼ 20.3%-€111,914below the sector's middle half▼ 4.2%
Solvency-80.5%below the sector's middle half▼ 44.7pp-34.9%below the sector's middle half▲ 45.7pp-189.9%below the sector's middle half▼ 155.0pp-345.1%below the sector's middle half▼ 155.2pp-444.3%below the sector's middle half▼ 99.2pp
Current ratio0.48below the sector's middle half▼ 0.100.46below the sector's middle half▼ 0.020.14below the sector's middle half▼ 0.330.10below the sector's middle half▼ 0.040.12below the sector's middle half▲ 0.02
Return on assets (ROA)-30.3%below the sector's middle half▼ 27.0pp-0.1%within the sector's middle half▲ 30.3pp-116.7%below the sector's middle half▼ 116.6pp-92.2%below the sector's middle half▲ 24.5pp-48.3%below the sector's middle half▲ 43.9pp
Staff (FTE)0.5=1▲ 100%1=0.6▼ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11,301 in 2025 against €24,897 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23,686
Fixed assets
€8,181 ▼ 45.9%
Current assets
€15,504 ▲ 28.7%
Key figures and ratios
EBITDA
-€4,352▲
2024 · -€17,947
Cash flow
-€4,488▲
2024 · -€18,119
Debt to equity
-1.23▲
2024 · -1.29
Interest coverage
-31.84▲
2024 · -104.52
Debt ≤ 1 year
€127,419▲
2024 · €119,473
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.8%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €14,042 | €16,035 | €16,515 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,768 | €11,486 | €6,950 | €6,950 | €6,950 | = |
| Other operating charges640/8 | - | €2,293 | €444 | €2,469 | €1,656 | ▼ 32.9% |
| Gross operating margin9900 | €3,251 | €30,101 | -€18,253 | €1,037 | -€2,695 | ▼ 360% |
| Operating profit (loss)9901 | -€7,782 | €2,280 | -€41,682 | -€24,897 | -€11,301 | ▲ 54.6% |
| Financial charges65/66B | - | €136 | €137 | €172 | €137 | ▼ 20.4% |
| Recurring financial charges65 | €149 | €136 | €137 | €172 | €137 | ▼ 20.4% |
| Profit (loss) for the period before taxes9903 | -€7,931 | €2,143 | -€41,819 | -€25,068 | -€11,438 | ▲ 54.4% |
| Income taxes67/77 | €2,026 | €2,184 | €416 | - | - | - |
| Profit (loss) for the period9904 | -€9,957 | -€40 | -€42,235 | -€25,068 | -€11,438 | ▲ 54.4% |
| Profit (loss) for the period to be appropriated9905 | -€9,957 | -€40 | -€42,235 | -€25,068 | -€11,438 | ▲ 54.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €32,839 | €75,962 | €36,192 | €27,178 | €23,686 | ▼ 12.9% |
| Fixed assets21/28 | €5,768 | €29,030 | €22,081 | €15,131 | €8,181 | ▼ 45.9% |
| Tangible fixed assets22/27 | €5,768 | €29,030 | €22,081 | €15,131 | €8,181 | ▼ 45.9% |
| Plant, machinery and equipment23 | - | €1,151 | €865 | €580 | €294 | ▼ 49.3% |
| Furniture and vehicles24 | - | €27,879 | €21,215 | €14,551 | €7,887 | ▼ 45.8% |
| Current assets29/58 | €27,071 | €46,932 | €14,111 | €12,047 | €15,504 | ▲ 28.7% |
| Amounts receivable within one year40/41 | €24,585 | €44,270 | €13,152 | €9,026 | €10,548 | ▲ 16.9% |
| Trade receivables40 | - | €35,178 | €12,109 | €8,179 | €7,677 | ▼ 6.1% |
| Other amounts receivable41 | - | €9,093 | €1,043 | €848 | €2,872 | ▲ 239% |
| Cash at bank and in hand54/58 | €2,486 | €2,662 | €959 | €3,021 | €4,956 | ▲ 64.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €32,839 | €75,962 | €36,192 | €27,178 | €23,686 | ▼ 12.9% |
| Equity10/15 | -€26,452 | -€26,492 | -€68,727 | -€93,795 | -€105,233 | ▼ 12.2% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €870 | €870 | €870 | €870 | €870 | = |
| Non-distributable reserves130/1 | - | €870 | €870 | €870 | €870 | = |
| Reserves not available under the articles1311 | - | €870 | €870 | €870 | €870 | = |
| Profit (loss) carried forward14 | -€45,914 | -€45,954 | -€88,189 | -€113,257 | -€124,695 | ▼ 10.1% |
| Amounts payable17/49 | €59,291 | €102,455 | €104,919 | €120,973 | €128,919 | ▲ 6.6% |
| Amounts payable within one year42/48 | €56,042 | €100,955 | €103,419 | €119,473 | €127,419 | ▲ 6.7% |
| Trade debts44 | €4,941 | €4,954 | €7,966 | €4,818 | €9,945 | ▲ 106% |
| Suppliers440/4 | - | €4,954 | €7,966 | €4,818 | €9,945 | ▲ 106% |
| Taxes, remuneration and social security45 | - | €3,684 | €7,541 | €13,540 | - | - |
| Taxes450/3 | - | €3,684 | €5,599 | - | - | - |
| Remuneration and social security454/9 | - | - | €1,941 | €13,540 | - | - |
| Other amounts payable47/48 | - | €92,317 | €87,912 | €101,115 | €117,473 | ▲ 16.2% |
| Accrued charges and deferred income492/3 | - | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,957 | -€40 | -€42,235 | -€25,068 | -€11,438 | ▲ 54.4% |
| + Depreciation and write-downs630 | €5,768 | €11,486 | €6,950 | €6,950 | €6,950 | = |
| Operating cash flow (approximation) | -€4,189 | €11,445 | -€35,285 | -€18,119 | -€4,488 | ▲ 75.2% |
| Investment in fixed assets (approximation) | - | -€34,748 | €0 | €0 | €0 | - |
| Change in cash | - | €175 | -€1,703 | €2,062 | €1,935 | ▼ 6.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
30-09
Financial
Weakest financial yearnet -€42,235
Net result drops to -€42,235, the lowest in the series; recovery starts the following year.
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 15 days late
2019
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
05-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 340 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Rendeux · 1 establishment unit since 2000
Ground area
2,972 m²
Building footprint
220 m²
Parcel 83035A0479/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
B.D.B.
since 20002.076.616.184
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83035A0479/00F000 | Wallonia | 2,972 m² | 1 · 220 m² | - |
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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,743 companies in sector 46150 we hold annual accounts for 758. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-05-1996
Fiscal year end30-09
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
E-invoicing
Reachable via Peppol
Peppol ID
0208:0457963526
Also
9925:BE0457963526
Registered
30-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.