B.P.S.E.
ActiveThe computed 12-month bankruptcy probability of B.P.S.E. is 1.7% (moderate). The 2025 annual accounts show equity of €101k and a net result of €23k. Its solvency ranks better than 55% of 7689 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency93
Growth-
Stability85
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.06), but 51.9% 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
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
48.1%
Return on assets
11.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€101k
Total assets
€209k
Net result
€23k
Working capital
€67k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €209k
Fixed assets
€80k
Current assets
€129k
Equity and liabilities €209k
Equity
€101k
Debt
€109k
Debt finances 51.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€58k
Cash flow
€42k
Solvency
48.1%
Current ratio
2.06
Quick ratio
1.69
Debt / equity
1.08
ROE
23.2%
ROA
11.1%
Interest coverage
20.93
Debt
€109k
Debt ≤ 1 year
€63k
Debt > 1 year
€45k
Income taxes
€14k
Staff costs
€46k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€209k
Fixed assets21/28€80k
Tangible fixed assets22/27€80k
Plant, machinery and equipment23€2k
Furniture and vehicles24€75k
Other tangible fixed assets26€2k
Current assets29/58€129k
Stocks and contracts in progress3€24k
Stocks30/36€24k
Amounts receivable within one year40/41€53k
Trade receivables40€49k
Other amounts receivable41€4k
Cash at bank and in hand54/58€50k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€209k
Equity10/15€101k
Contributions10/11€62k
Capital10€62k
Issued capital100€62k
Reserves13€23k
Non-distributable reserves130/1€1k
Legal reserve130€1k
Distributable reserves133€22k
Profit (loss) carried forward14€16k
Amounts payable17/49€109k
Amounts payable after more than one year17€45k
Financial debts170/4€45k
Amounts payable within one year42/48€63k
Current portion of amounts payable after more than one year42€18k
Trade debts44€27k
Suppliers440/4€27k
Advances received on contracts in progress46€800
Taxes, remuneration and social security45€11k
Taxes450/3€3k
Remuneration and social security454/9€9k
Other amounts payable47/48€6k
Accrued charges and deferred income492/3€1k
Income statement
Code2025
Remuneration, social security and pensions62€46k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k
Provisions for liabilities and charges: additions (uses and reversals)635/8€-3k
Other operating charges640/8€4k
Gross operating margin9900€108k
Operating profit (loss)9901€40k
Financial income75/76B€6
Recurring financial income75€6
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€37k
Income taxes67/77€14k
Profit (loss) for the period9904€23k
Profit (loss) for the period to be appropriated9905€23k
Appropriation of the result
Profit (loss) to be appropriated9906€67k
Profit (loss) brought forward from the previous period14P€44k
Transfer from equity791/2€2k
Transfer to equity691/2€23k
To the legal reserve6920€1k
To other reserves6921€22k
Profit to be distributed694/7€30k
Return on contributions (dividend)694€30k
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
NBB filing
Directors · office · real estate
Directors
3 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, Bassenge · 1 establishment unit since 2019
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 Petit-Brou 14690 Bassenge1 establishment unit
B.P.S.E.
since 20192.296.709.976
Similar companies · same sector, comparable size
CW SERVICES
BE 0628.681.348
Sint-Truiden · Eq €101k
VDB Controls
BE 0740.480.380
Erpe-Mere · Eq €101k
GASCO BOCHOLT
BE 1015.911.187
Bocholt · Eq €100k
LODOS
BE 0479.725.376
Genk · Eq €100k
D'ADDAMIO ENRICO CHAUFFAGE SANITAIRE
BE 0685.957.472
Assesse · Eq €101k
Of 9,475 companies in sector 43222 we hold annual accounts for 5,625. 4,877 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-12-2019
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
28250Manufacture of machinery and equipment not elsewhere classified
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43120Site preparation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
81100Combined facilities support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filing
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.