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B & F CONSULT

Active
Private limited companyfounded 2014active for 12 yearsGentse steenweg 299, 9300 Aalst, BelgiumKBO/BCE: BE 0557.982.305

From the official registers: KBO 11 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

B & F CONSULT has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €562,020 and a net result of €50,701. Equity has been growing by about 13% per year since 2018. Its solvency ranks better than 51% of 4,119 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

KBO
Status
Active since 05-08-2014 Normal situation
Activity
Certified accountants and tax accountants NACE 69201
Establishment units
2.233.191.804 9300 Aalst, since 05-08-2014
2.262.399.789 9200 Dendermonde, since 01-02-2017
Financial year end
31 December
Peppol
Reachable since 31-10-2023

Board and ownership

Board
  • BAMOFISCDirector · permanent representative Bart MOENS
Shareholders

Financial position

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€553,122
▲ 7.3%
Turnover
≈ €970,000
estimated
Profit
€50,701
▼ 5.2%
Equity
€562,020
▲ 6.7%
Total assets
€1.3m
▲ 13.7%
Employees on 31-12-2025
7
=
Filed on 24-07-2026, 7 days before the deadline
Score breakdownlowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 1.71, cash €212,700Figures for financial year 2025 (filed on 24-07-2026)Equity €562,020 (44.9% of total assets)Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 41% of micro companies in legal and accounting (NACE 69)
Financial strength · tick: 2024
Strong
Solvency 70-3
equity 44.9% of total assets
Liquidity 61-8
short-term debt 26.7% · cash 17.0%
Profitability 74-1
return on assets 4.1%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,087 companies, NACE 69, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value 09-2026: 0.1%● unchanged vs 08-2026highest value 10-2026: 0.1%● unchanged vs 09-2026highest value 11-2026: 0.1%● unchanged vs 10-2026highest value
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.71 (3.1 in 2024), above the usual 1.5. Short-term debt is 26.7% and cash 17% of total assets. However, 55.1% 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 69, micro). It does better than 42% of them on solvency, 47% on liquidity, 24% on profitability and 50% on growth.

The bankruptcy probability was computed on 01-11-2026 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 riskneutral
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Liquidity: current ratio 1.71, cash €212,700
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 24-07-2026)
NBB · annual accounts
lowers risk · Equity €562,020 (44.9% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
7 days early
2024
28 days early
2023
1 day early
2022
4 days early
2021
29 days late
2020
1 day early
2019
27 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 2 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% 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 27 July (4 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
01-11-2026 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: 8 profitable years in a rowprofit 2025: €50,701 8 years View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Comparable companies

These companies have the same main activity as B & F CONSULT: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €958,000 and €1.4m, founded between 2011 and 2018.

CompanyTotal assetsGross margin
B & F CONSULT Aalst€1.3m€0.6m
BEE TAX ADVISORS Tubize€1.2m€0.5m
FISCORUM Gent€1.0m€0.6m
O'5 ACCOUNTANCY Deinze€1.0m€0.6m
Rêvenu Maldegem€1.3m€0.5m
AVISEO Fiduciaire Renaux Courcelles€1.0m€0.6m
Fiduciaire Cinacienne Ciney€1.4m€0.5m
Full comparison

Documents

Annual accounts at the NBB

All 11 annual accounts

Articles and registers

Key facts about B & F CONSULT

What is the company number of B & F CONSULT?
The company number of B & F CONSULT is 0557.982.305. The VAT number is the same number with BE in front: BE 0557.982.305.
Where is B & F CONSULT based?
The registered office is at Gentse steenweg 299, 9300 Aalst.Company details
What does B & F CONSULT do?
According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of B & F CONSULT?
The legal form of B & F CONSULT is Private limited company (BV).
When was B & F CONSULT founded?
B & F CONSULT was founded on 05-08-2014.
Is B & F CONSULT still active?
Yes, B & F CONSULT is an active enterprise in the KBO register.
How many employees does B & F CONSULT have?
B & F CONSULT had an average of 7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of B & F CONSULT?
The turnover in financial year 2025 is ≈ €970,000. This figure is estimated from the gross margin of €553,122 and 35 comparable companies (NACE 69201). It probably lies between €840,000 and €1.1m.
Is B & F CONSULT profitable?
In financial year 2025, B & F CONSULT made a profit of €50,701.
Where can I find the annual accounts of B & F CONSULT?
B & F CONSULT filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of B & F CONSULT due?
B & F CONSULT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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