B.F. DISTRIBUTION
ActiveSummary
B.F. DISTRIBUTION has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-60k) and a net result of €-29k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-86
Solvency0▼-1
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.62 against 0.8 in 2024; short-term debt: 160% and cash: 19.8% of total assets), and equity is negative.
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-60%
Return on assets
-28.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-60k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
29 d early
2023
on the day
2022
4 d early
2021
23 d early
2020
31 d late
2019
32 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2021 · €0
2019: €0
2021: €0
2019 → 2022
Total assets
€100k▼ 24.1%
2024 · €132k
2018: €111k
2019: €118k
2020: €126k
2021: €107k
2022: €130k
2023: €145k
2024: €132k
2018 → 2025
Net result
€-29k
2024 · €18k
2018: €-7k
2019: €8k
2020: €15k
2021: €416
2022: €59
2023: €-37k
2024: €18k
2018 → 2025
Working capital
€-61k▼ 87.6%
2024 · €-33k
2018: €-36k
2019: €-29k
2020: €-14k
2021: €-14k
2022: €-15k
2023: €-51k
2024: €-33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0
Equity€-12k-€-12k▲ 0.5%€-49k▼ 314%€-31k▲ 36.5%€-60k▼ 92.0%
Operating result€3k-€2k▼ 32.8%€-37k€21k€-30k
Net result€416-€59▼ 85.7%€-37k€18k€-29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €30k after €21k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€1k ▼ 20.5%
Current assets
€99k ▼ 24.1%
Key figures and ratios
EBITDA
€-30k▼
2024 · €22k
Cash flow
€-29k▼
2024 · €18k
Solvency
-60.0%▼
2024 · -23.7%
Current ratio
0.62▼
2024 · 0.80
Quick ratio
0.14▼
2024 · 0.27
Debt to equity
-2.67▲
2024 · -5.21
ROA
-28.8%▼
2024 · 13.6%
Interest coverage
-29.56▼
2024 · 24.57
Debt
€160k▼
2024 · €163k
Debt ≤ 1 year
€160k▼
2024 · €163k
Income taxes
€-2k▼
2024 · €2k
Staff costs
€57k▲
2024 · €47k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€132k€100k▼
Fixed assets21/28€1k€1k▼
Tangible fixed assets22/27€616€357▼
Furniture and vehicles24€616€357▼
Other tangible fixed assets26€0€0=
Financial fixed assets28€650€650=
Current assets29/58€131k€99k▼
Stocks and contracts in progress3€87k€77k▼
Stocks30/36€87k€77k▼
Amounts receivable within one year40/41€29k€1k▼
Trade receivables40€24k€1k▼
Other amounts receivable41€5k€111▼
Cash at bank and in hand54/58€14k€20k▲
Deferred charges and accrued income490/1€863€1k▲
Equity and liabilities
Total equity and liabilities10/49€132k€100k▼
Equity10/15€-31k€-60k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-52k€-81k▼
Amounts payable17/49€163k€160k▼
Amounts payable within one year42/48€163k€160k▼
Current portion of amounts payable after more than one year42€391€0▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€54k€42k▼
Suppliers440/4€54k€42k▼
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€1k€230▼
Remuneration and social security454/9€14k€9k▼
Other amounts payable47/48€93k€109k▲
Income statement
Code20242025
Remuneration, social security and pensions62€47k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€477€259▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€70k€29k▼
Operating profit (loss)9901€21k€-30k▼
Financial income75/76B€0€316▲
Recurring financial income75€0€316▲
Financial charges65/66B€880€1k▲
Recurring financial charges65€880€1k▲
Profit (loss) for the period before taxes9903€20k€-31k▼
Income taxes67/77€2k€-2k▼
Profit (loss) for the period9904€18k€-29k▼
Profit (loss) for the period to be appropriated9905€18k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-52k€-81k▼
Profit (loss) brought forward from the previous period14P€-70k€-52k▲
The notes to these accounts (5 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-37k ▼63087%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
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, Herstal · 2 establishment units since 2002
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.
Rue de la Résistance 1394041 HerstalGround area
1,674 m²
Building footprint
559 m²
Volume, LiDAR
7,753 m³
2 parcels, Wallonia · tallest building 19.1 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
FULL TIME
since 20022.093.398.867
LIBRAIRE DU BOULEVARD
since 20022.093.399.065
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62071B0585/00M000 | Wallonia | 1,058 m² | 1 · 121 m² | - |
| 62812A0137/00P002 | Wallonia | 616 m² | 1 · 438 m² | 19.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.093.398.867
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2001
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
47252Retail sale of beverages, general range
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.