B & D SERVICES
ActiveThe computed 12-month bankruptcy probability of B & D SERVICES is 1.6% (moderate). The 2025 annual accounts show equity of €342k and a net result of €86k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 28% of 3668 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71=
Solvency33▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.46 in 2024; short-term debt: 6.5% and cash: 3.1% of total assets), and 92% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8%
Return on assets
2%
Age of the figures
9 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
7 d early
2023
on the day
2022
22 d late
2021
8 d late
2020
30 d late
2019
340 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€342k▲ 33.4%
2024 · €257k
2018: €12k
2020: €30k
2021: €138k
2022: €171k
2023: €210k
2024: €257k
2018 → 2025
Total assets
€4.30M▼ 3.0%
2024 · €4.44M
2018: €788k
2020: €3.48M
2021: €3.69M
2022: €3.73M
2023: €3.91M
2024: €4.44M
2018 → 2025
Net result
€86k▲ 12.9%
2024 · €76k
2018: €-39k
2020: €4k
2021: €109k
2022: €33k
2023: €39k
2024: €76k
2018 → 2025
Working capital
€-50k▲ 81.1%
2024 · €-263k
2018: €-292k
2020: €-366k
2021: €-498k
2022: €-613k
2023: €-830k
2024: €-263k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€171k▲ 23.8%€210k▲ 22.9%€257k▲ 22.0%€342k▲ 33.4%
Operating result€163k-€57k▼ 65.0%€59k▲ 3.2%€145k▲ 145%€157k▲ 8.7%
Net result€109k-€33k▼ 69.7%€39k▲ 19.2%€76k▲ 93.9%€86k▲ 12.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.30M
Fixed assets
€4.07M▼ 3.2%
Current assets
€229k▲ 0.9%
Equity and liabilities €4.30M
Equity
€342k▲ 33.4%
Debt
€3.96M▼ 5.2%
The debt ratio falls from 94.2% to 92.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€369k▲
2024 · €350k
Cash flow
€297k▲
2024 · €281k
Solvency
8.0%▲
2024 · 5.8%
Current ratio
0.82▲
2024 · 0.46
Quick ratio
0.76▲
2024 · 0.45
Debt / equity
11.57▼
2024 · 16.29
ROE
25.1%▼
2024 · 29.6%
ROA
2.0%▲
2024 · 1.7%
Interest coverage
12.51▲
2024 · 11.39
Debt
€3.96M▼
2024 · €4.18M
Debt ≤ 1 year
€279k▼
2024 · €490k
Debt > 1 year
€3.67M▲
2024 · €3.56M
Income taxes
€44k▲
2024 · €40k
Staff costs
€451k▲
2024 · €379k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€4.44M€4.30M▼
Fixed assets21/28€4.21M€4.07M▼
Intangible fixed assets21€567k€500k▼
Tangible fixed assets22/27€976k€907k▼
Land and buildings22€302k€278k▼
Plant, machinery and equipment23€34k€59k▲
Furniture and vehicles24€15k€21k▲
Other tangible fixed assets26€625k€549k▼
Financial fixed assets28€2.67M€2.67M=
Current assets29/58€227k€229k▲
Stocks and contracts in progress3€7k€16k▲
Stocks30/36€7k€16k▲
Amounts receivable within one year40/41€21k€68k▲
Trade receivables40€5k€28k▲
Other amounts receivable41€16k€40k▲
Cash at bank and in hand54/58€188k€135k▼
Deferred charges and accrued income490/1€10k€11k▲
Equity and liabilities
Total equity and liabilities10/49€4.44M€4.30M▼
Equity10/15€257k€342k▲
Contributions10/11€19k€19k=
Reserves13€238k€324k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€238k€324k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€4.18M€3.96M▼
Amounts payable after more than one year17€3.56M€3.67M▲
Financial debts170/4€3.56M€3.67M▲
Amounts payable within one year42/48€490k€279k▼
Current portion of amounts payable after more than one year42€177k€171k▼
Trade debts44€77k€38k▼
Suppliers440/4€77k€38k▼
Advances received on contracts in progress46€21k€0▼
Taxes, remuneration and social security45€64k€70k▲
Taxes450/3€13k€23k▲
Remuneration and social security454/9€52k€47k▼
Other amounts payable47/48€151k€335▼
Accrued charges and deferred income492/3€134k€17k▼
Income statement
Code20242025
Remuneration, social security and pensions62€379k€451k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€205k€211k▲
Other operating charges640/8€16k€23k▲
Gross operating margin9900€744k€843k▲
Operating profit (loss)9901€145k€157k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€31k€29k▼
Recurring financial charges65€31k€29k▼
Profit (loss) for the period before taxes9903€116k€130k▲
Income taxes67/77€40k€44k▲
Profit (loss) for the period9904€76k€86k▲
Profit (loss) for the period to be appropriated9905€76k€86k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€86k▲
Transfer from equity791/2€30k€0▼
Transfer to equity691/2€76k€86k▲
To other reserves6921€76k€86k▲
Profit to be distributed694/7€30k€0▼
Return on contributions (dividend)694€30k€0▼
Social balance
Average headcount (FTE)90879.29.4▲
The notes to these accounts (26 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €210k ▲22.9%
4 profitable years in a row build equity to €210k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
31-12
Financial
Equity above €150kEq €171k ▲23.8%
3 profitable years in a row build equity to €171k.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 8 days late
2021
31-12
Financial
Highest result since 2018net €109k ▲2845%
Operating result €163k, net result €109k, both a record.
31-12
Financial
Equity above €100kEq €138k ▲364%
2 profitable years in a row build equity to €138k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 340 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 12 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, De Panne · 2 establishment units since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Walckierstraat 78660 De PanneGround area
633 m²
Building footprint
439 m²
Volume, LiDAR
6,834 m³
2 parcels, Flanders · tallest building 30.2 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
B & D Services
since 20092.181.962.639
Hotel Escale
since 20212.323.408.435
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38352E0721/00A000 | Flanders | 395 m² | 1 · 134 m² | 30.2 m · 6 fl. |
| 38008A0217/00_000 | Flanders | 238 m² | 1 · 305 m² | 20.7 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteDe Panne2.181.962.639
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Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 1,493 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2009
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.