B-OFF
ActiveSummary
The computed 12-month bankruptcy probability of B-OFF is 2.9% (moderate). The 2025 annual accounts show equity of €8k and a net result of €-1k. Its solvency ranks better than 60% of 18400 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▲+17
Solvency71▼-1
Growth58
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
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
46.1%
Return on assets
-8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-1k
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 14-07-2026, 17 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
17 d early
2024
29 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 14.8%
2024 · €9k
2024: €9k
2024 → 2025
Total assets
€17k▼ 12.5%
2024 · €20k
2024: €20k
2024 → 2025
Net result
€-1k▲ 76.2%
2024 · €-6k
2024: €-6k
2024 → 2025
Working capital
€8k▼ 14.8%
2024 · €9k
2024: €9k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€9k-€8k▼ 14.8%
Operating result€-6k-€-1k▲ 78.4%
Net result€-6k-€-1k▲ 76.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €17k
Equity
€8k ▼ 14.8%
Debt
€9k ▼ 10.4%
Debt's share of the balance-sheet total rises from 52.6% to 53.9%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.86▼
2024 · 1.90
Quick ratio
1.12▼
2024 · 1.34
Debt to equity
1.17▲
2024 · 1.11
ROE
-17.4%▲
2024 · -62.2%
ROA
-8.0%▲
2024 · -29.5%
Debt ≤ 1 year
€9k▼
2024 · €10k
Staff costs
€19k▲
2024 · €8k
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 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€17k▼
Current assets29/58€20k€17k▼
Stocks and contracts in progress3€6k€7k▲
Stocks30/36€6k€7k▲
Amounts receivable within one year40/41€1k€2k▲
Trade receivables40€742€1k▲
Other amounts receivable41€311€799▲
Cash at bank and in hand54/58€13k€8k▼
Equity and liabilities
Total equity and liabilities10/49€20k€17k▼
Equity10/15€9k€8k▼
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-6k€-7k▼
Amounts payable17/49€10k€9k▼
Amounts payable within one year42/48€10k€9k▼
Trade debts44€412€406▼
Suppliers440/4€412€406▼
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€1k▼
Remuneration and social security454/9€853€1k▲
Other amounts payable47/48€7k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€8k€19k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€4k€19k▲
Operating profit (loss)9901€-6k€-1k▲
Financial income75/76B€16€21▲
Recurring financial income75€16€21▲
Financial charges65/66B€39€154▲
Recurring financial charges65€39€154▲
Profit (loss) for the period before taxes9903€-6k€-1k▲
Profit (loss) for the period9904€-6k€-1k▲
Profit (loss) for the period to be appropriated9905€-6k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-7k▼
Profit (loss) brought forward from the previous period14P-€-6k
The notes to these accounts (1 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
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.
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Directors · office · real estate
Directors
1 act for this company is 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, Mouscron · 1 establishment unit since 2023
Ground area
197 m²
Building footprint
55 m²
Volume, LiDAR
543 m³
Parcel 54432C0019/00E000, Wallonia · tallest building 14.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B-OFF
since 20232.347.923.404
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54432C0019/00E000 | Wallonia | 196 m² | 1 · 55 m² | 14.6 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMouscron/Moeskroen2.347.923.404
Similar companies · same sector, comparable size
TAMU
BE 0767.698.778
Sint-Martens-Latem · Eq €7,898
Chocolate and More
BE 0801.236.430
Turnhout · Eq €7,915
LEITZ FRANCOISE
BE 0639.801.508
Bastogne · Eq €7,826
Coachguy_be
BE 1000.085.638
Kapellen · Eq €7,935
A & B
BE 0674.703.690
Sint-Gillis (bij-Brussel) · Eq €7,744
Of 2,475 companies in sector 47279 we hold annual accounts for 949. 518 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47279Other retail sale of food
10830Manufacture of food products
46190Agents in non-specialised wholesale trade
47120Other non-specialised retail sale
47242Retail sale of chocolate and confectionery
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.