B.F.C.
ActiveB.F.C. has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €5k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 72% of 12627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-26
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.85 against 4.06 in 2024), and 24.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
75.7%
Return on assets
4.6%
Age of the figures
14 mo
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 25-01-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
23 d early
2023
1 d early
2022
28 d early
2021
on the day
2020
24 d late
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▼ 3.0%
2024 · €79k
2019: €56k
2020: €62k
2021: €69k
2022: €73k
2023: €74k
2024: €79k
2019 → 2025
Total assets
€102k▼ 0.9%
2024 · €103k
2019: €97k
2020: €105k
2021: €109k
2022: €115k
2023: €110k
2024: €103k
2019 → 2025
Net result
€5k▼ 47.2%
2024 · €9k
2019: €1k
2020: €6k
2021: €13k
2022: €10k
2023: €12k
2024: €9k
2019 → 2025
Working capital
€67k▲ 0.5%
2024 · €67k
2019: €45k
2020: €52k
2021: €60k
2022: €62k
2023: €65k
2024: €67k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€73k▲ 4.9%€74k▲ 2.2%€79k▲ 6.8%€77k▼ 3.0%
Operating result€18k-€16k▼ 10.4%€17k▲ 10.3%€13k▼ 23.6%€8k▼ 38.4%
Net result€13k-€10k▼ 19.0%€12k▲ 11.2%€9k▼ 23.4%€5k▼ 47.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 38% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€11k▼ 21.9%
Current assets
€91k▲ 2.4%
Equity and liabilities €102k
Equity
€77k▼ 3.0%
Debt
€25k▲ 6.1%
The debt ratio rises from 22.7% to 24.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€11k▼
2024 · €16k
Cash flow
€8k▼
2024 · €12k
Solvency
75.7%▼
2024 · 77.3%
Current ratio
3.85▼
2024 · 4.06
Quick ratio
3.85▼
2024 · 4.06
Debt / equity
0.32▲
2024 · 0.29
ROE
6.1%▼
2024 · 11.2%
ROA
4.6%▼
2024 · 8.6%
Interest coverage
18.20▼
2024 · 25.13
Debt
€25k▲
2024 · €23k
Debt ≤ 1 year
€24k▲
2024 · €22k
Income taxes
€3k▼
2024 · €4k
Staff costs
€16k▼
2024 · €18k
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€103k€102k▼
Fixed assets21/28€14k€11k▼
Tangible fixed assets22/27€13k€10k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€363€363=
Current assets29/58€89k€91k▲
Amounts receivable within one year40/41€31k€31k▼
Trade receivables40€30k€31k▲
Other amounts receivable41€547€269▼
Current investments50/53€36k€36k▲
Cash at bank and in hand54/58€21k€23k▲
Deferred charges and accrued income490/1€874€795▼
Equity and liabilities
Total equity and liabilities10/49€103k€102k▼
Equity10/15€79k€77k▼
Contributions10/11€19k€19k=
Reserves13€60k€58k▼
Distributable reserves133€60k€58k▼
Profit (loss) carried forward14€410€444▲
Amounts payable17/49€23k€25k▲
Amounts payable within one year42/48€22k€24k▲
Current portion of amounts payable after more than one year42€2k-
Financial debts43€1k€1k▲
Credit institutions430/8€1k€1k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€14k€13k▼
Taxes450/3€12k€11k▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€4k€7k▲
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€18k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€36k€28k▼
Operating profit (loss)9901€13k€8k▼
Financial income75/76B€218€368▲
Recurring financial income75€218€368▲
Financial charges65/66B€633€615▼
Recurring financial charges65€633€615▼
Profit (loss) for the period before taxes9903€13k€8k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€9k€5k▼
Profit (loss) for the period to be appropriated9905€9k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€5k▼
Profit (loss) brought forward from the previous period14P€346€410▲
Transfer from equity791/2€4k€7k▲
Transfer to equity691/2€9k€5k▼
To other reserves6921€9k€5k▼
Profit to be distributed694/7€4k€7k▲
Return on contributions (dividend)694€4k€7k▲
The notes to these accounts (7 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
25-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €13k ▲117%
Operating result €18k, net result €13k, both a record.
24-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Mons · 1 establishment unit since 2001
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.
Avenue d'Hyon 51/0-57000 MonsGround area
1,883 m²
Building footprint
1,004 m²
Volume, LiDAR
16,838 m³
Parcel 53053D0238/00X002, Wallonia · tallest building 21.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
B.F.C SRL
since 20012.078.570.636
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0238/00X002 | Wallonia | 1,883 m² | 1 · 1,004 m² | 21.4 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Beauharnais
BE 1015.922.372
Puurs-Sint-Amands · Eq €77k
DJAWHARA CONSULTANCY
BE 0752.746.130
Grimbergen · Eq €77k
DE MUYNCK & PARTNERS
BE 0822.449.439
Lievegem · Eq €77k
GOFISCA
BE 1007.532.466
Mons · Eq €77k
C.H. AUDIT
BE 0446.093.397
Ukkel · Eq €77k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-1996
Fiscal year end30-06
Abbreviation FR
BFC
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
74124
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@bfcmons.be
Phone:065 84 80 04