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B & D SERVICES

Active
Private limited companyfounded 2009active for 17 yearsWalckierstraat 7, 8660 De Panne, BelgiumKBO/BCE: BE 0819.124.517
Summary

The computed 12-month bankruptcy probability of B & D SERVICES is 1.7% (moderate). The 2025 annual accounts show equity of €342,425 and a net result of €85,786. Equity has been growing by about 27% per year since 2018. Its solvency ranks better than 28% of 4,800 sector peers (NACE 56, financial year 2025). The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 30-09-2009 Normal situation
Activity
Event catering NACE 56210and 1 other
Joint committee
302 Paritair Comité voor het hotelbedrijf · annual accounts 2025
Establishment units
2.181.962.639 8660 De Panne, since 14-10-2009
2.323.408.435 8660 De Panne, since 01-01-2021
Financial year end
31 December
Peppol
Reachable since 24-11-2023

Board and ownership

Board
Shareholders

Financial position

55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.7%
Annual accounts 2025
Gross margin
€842,518
▲ 13.2%
Turnover
≈ €2.0m
estimated
Profit
€85,786
▲ 12.9%
Equity
€342,425
▲ 33.4%
Total assets
€4.3m
▼ 3.0%
Employees on 31-12-2025
9
▼ 10.0%
  • 2025 accounts filed 28 days after the deadline
Score breakdownraises riskLiquidity: current ratio 0.82, cash €135,344Equity €342,425 (8.0% of total assets)Sector: Food and beverage service activities (NACE 56)lowers riskFounded in 2009Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 54% of micro companies in food and beverage service (NACE 56)
Financial strength · tick: 2024
Average
Solvency 33+2
equity 8.0% of total assets
Liquidity 54-1
short-term debt 6.5% · cash 3.1%
Profitability 71=
return on assets 2.0%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,779 companies, NACE 56, micro)
Last 24 months 12-2024: 1.8% 01-2025: 1.7%▼ -0.1 percentage points vs 12-2024 02-2025: 1.7%● unchanged vs 01-2025 03-2025: 2.0%▲ +0.3 percentage points vs 02-2025 04-2025: 2.1%▲ +0.1 percentage points vs 03-2025 05-2025: 2.1%● unchanged vs 04-2025 06-2025: 2.2%▲ +0.1 percentage points vs 05-2025 07-2025: 2.7%▲ +0.5 percentage points vs 06-2025highest value 08-2025: 1.2%▼ -1.5 percentage points vs 07-2025lowest value 09-2025: 1.2%● unchanged vs 08-2025lowest value 10-2025: 1.2%● unchanged vs 09-2025lowest value 11-2025: 1.2%● unchanged vs 10-2025lowest value 12-2025: 1.2%● unchanged vs 11-2025lowest value 01-2026: 1.2%● unchanged vs 12-2025lowest value 02-2026: 1.3%▲ +0.1 percentage points vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.3%● unchanged vs 04-2026 06-2026: 1.5%▲ +0.2 percentage points vs 05-2026 07-2026: 1.6%▲ +0.1 percentage points vs 06-2026 08-2026: 2.7%▲ +1.1 percentage points vs 07-2026 09-2026: 1.7%▼ -1.0 percentage point vs 08-2026 10-2026: 1.7%● unchanged vs 09-2026 11-2026: 1.7%● unchanged vs 10-2026
Credit of up to €18,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.82 (0.46 in 2024), below 1. Short-term debt is 6.5% and cash 3.1% of total assets. 92% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 32% of them on solvency, 57% on liquidity, 52% on profitability and 74% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Liquidity: current ratio 0.82, cash €135,344
NBB · annual accounts
raises risk · Equity €342,425 (8.0% of total assets)
NBB · annual accounts
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
lowers risk · Founded in 2009
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 2025 accounts filed 28 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
28 days late
2024
7 days early
2023
on the day
2022
22 days late
2021
8 days late
2020
30 days late
2019
340 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 60 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 4th largest company by total assets in De Panne, Accommodation and food…in the Checked rankings No. 4 View
  • Positive: 6 profitable years in a rowprofit 2025: €85,786 6 years View
  • Positive: Equity rose in 2025from €256,639 to €342,425 ▲ 33.4% View

Recent changes

  1. · Gazette deed Change of role: BEUN Matthias Paul Lutger, from statutory manager to directorResignation: DECONINCK Xandra Anita Willy (statutory manager)
  2. · Gazette deed 1 director appointed, 3 directors resigningResignations: Xandra Deconinck, Vincent Deconinck and Dina Nevens · Appointment: Select Hotels (director) · Permanent representative: Xandra Deconinck
  3. · Gazette deed Incorporation
All 18 events

Comparable companies

These companies have the same main activity as B & D SERVICES: event catering (NACE 56210). They are comparable in size and age: total assets between €2.1m and €4.5m, founded between 1999 and 2016.

CompanyTotal assetsGross margin
B & D SERVICES De Panne€4.3m€0.8m
DE LISSEWAL Ieper€2.1m€0.9m
Umamido Atelier Steenokkerzeel€4.5m€1.1m
De Hoorn X Leuven€3.1m€1.5m
GUCHET-THUNUS Seneffe€2.1m€1.0m
VALUMAT Ichtegem€2.7m€1.3m
Verstraete K&J Wingene€4.2m€1.6m
Full comparison

Key facts about B & D SERVICES

What is the company number of B & D SERVICES?
The company number of B & D SERVICES is 0819.124.517. The VAT number is the same number with BE in front: BE 0819.124.517.
Where is B & D SERVICES based?
The registered office is at Walckierstraat 7, 8660 De Panne.Company details
What does B & D SERVICES do?
According to the KBO register, the main activity is event catering (NACE 56210).
What is the legal form of B & D SERVICES?
The legal form of B & D SERVICES is Private limited company (BV).
When was B & D SERVICES founded?
B & D SERVICES was founded on 30-09-2009.
Is B & D SERVICES still active?
Yes, B & D SERVICES is an active enterprise in the KBO register.
How many employees does B & D SERVICES have?
B & D SERVICES had an average of 9.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does B & D SERVICES fall under?
In its 2025 annual accounts, B & D SERVICES states joint committee 302 (Paritair Comité voor het hotelbedrijf).
What is the turnover of B & D SERVICES?
The turnover in financial year 2025 is ≈ €2.0m. This figure is estimated from the gross margin of €842,518 and 83 comparable companies (NACE 56). It probably lies between €1.8m and €2.5m.
Is B & D SERVICES profitable?
In financial year 2025, B & D SERVICES made a profit of €85,786.
Where can I find the annual accounts of B & D SERVICES?
B & D SERVICES filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of B & D SERVICES due?
B & D SERVICES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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