B&F CONSTRUCT
ActiveSummary
B&F CONSTRUCT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,290 and a net result of €6,065. Its solvency ranks better than 24% of 14220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
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Signals
This company filed its last 2 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
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Peer companies
Historical observationOf the 1,513 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 96% are still going.
- Small
- 2 to 5 years old
- solvency under 10%
- a profit under 5% of the balance sheet
A further 0.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,058 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% | 1.6% |
| 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 74% 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 1,513 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.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €25,834 | - |
| Other operating charges640/8 | €7,692 | €7,977 | ▲ 3.7% |
| Gross operating margin9900 | €14,040 | €62,314 | ▲ 344% |
| Operating profit (loss)9901 | €6,348 | €28,503 | ▲ 349% |
| Financial income75/76B | €0 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €0 | ▼ 100% |
| Financial charges65/66B | €48 | €20,415 | ▲ 42,011% |
| Recurring financial charges65 | €48 | €20,415 | ▲ 42,011% |
| Profit (loss) for the period before taxes9903 | €6,299 | €8,087 | ▲ 28.4% |
| Income taxes67/77 | €1,575 | €2,022 | ▲ 28.4% |
| Profit (loss) for the period9904 | €4,725 | €6,065 | ▲ 28.4% |
| Profit (loss) for the period to be appropriated9905 | €4,725 | €6,065 | ▲ 28.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €824,915 | €832,906 | ▲ 1.0% |
| Fixed assets21/28 | €508,820 | €493,927 | ▼ 2.9% |
| Tangible fixed assets22/27 | €508,820 | €493,927 | ▼ 2.9% |
| Land and buildings22 | €508,820 | €483,379 | ▼ 5.0% |
| Plant, machinery and equipment23 | - | €10,548 | - |
| Current assets29/58 | €316,095 | €338,980 | ▲ 7.2% |
| Stocks and contracts in progress3 | €295,000 | €333,500 | ▲ 13.1% |
| Stocks30/36 | €295,000 | €333,500 | ▲ 13.1% |
| Amounts receivable within one year40/41 | €16,543 | €2,332 | ▼ 85.9% |
| Trade receivables40 | €13,037 | €2,332 | ▼ 82.1% |
| Other amounts receivable41 | €3,506 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €4,552 | €1,812 | ▼ 60.2% |
| Deferred charges and accrued income490/1 | - | €1,335 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €824,915 | €832,906 | ▲ 1.0% |
| Equity10/15 | €17,225 | €23,290 | ▲ 35.2% |
| Contributions10/11 | €12,500 | €12,500 | = |
| Profit (loss) carried forward14 | €4,725 | €10,790 | ▲ 128% |
| Amounts payable17/49 | €807,690 | €809,616 | ▲ 0.2% |
| Amounts payable after more than one year17 | €315,232 | €298,462 | ▼ 5.3% |
| Financial debts170/4 | €315,232 | €298,462 | ▼ 5.3% |
| Amounts payable within one year42/48 | €492,339 | €504,011 | ▲ 2.4% |
| Current portion of amounts payable after more than one year42 | €14,768 | €15,400 | ▲ 4.3% |
| Financial debts43 | €120,000 | €120,000 | = |
| Credit institutions430/8 | €120,000 | €120,000 | = |
| Trade debts44 | €34,533 | €2,296 | ▼ 93.4% |
| Suppliers440/4 | €34,533 | €2,296 | ▼ 93.4% |
| Taxes, remuneration and social security45 | €1,575 | €306 | ▼ 80.6% |
| Taxes450/3 | €1,575 | €306 | ▼ 80.6% |
| Other amounts payable47/48 | €321,463 | €366,009 | ▲ 13.9% |
| Accrued charges and deferred income492/3 | €119 | €7,144 | ▲ 5,898% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €4,725 | €6,065 | ▲ 28.4% |
| + Depreciation and write-downs630 | - | €25,834 | - |
| Operating cash flow (approximation) | €4,725 | €31,900 | ▲ 575% |
| Investment in fixed assets (approximation) | - | -€10,942 | - |
| Change in cash | - | -€2,740 | - |
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
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63032F0173/00N000 | Wallonia | 1,044 m² | 1 · 77 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.