B.S.F. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €606k and a net result of €71k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 2429 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
31 d late
2023
22 d late
2022
29 d late
2021
39 d early
2020
30 d early
2019
11 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€606k▲ 13.3%
2024 · €535k
2018: €273k
2019: €274k
2020: €298k
2021: €313k
2022: €390k
2023: €466k
2024: €535k
2018 → 2025
Net result
€71k▲ 2.7%
2024 · €69k
2018: €19k
2019: €1k
2020: €24k
2021: €15k
2022: €77k
2023: €76k
2024: €69k
2018 → 2025
Total assets
€863k▲ 10.8%
2024 · €779k
2018: €691k
2019: €631k
2020: €599k
2021: €567k
2022: €607k
2023: €754k
2024: €779k
2018 → 2025
Solvency
70.2%▲ 1.5pp
2024 · 68.7%
2018: 39.5%
2019: 43.4%
2020: 49.8%
2021: 55.2%
2022: 64.2%
2023: 61.8%
2024: 68.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€390k▲ 24.5%€466k▲ 19.5%€535k▲ 14.9%€606k▲ 13.3%
Operating result€35k-€117k▲ 236%€113k▼ 3.4%€109k▼ 3.7%€100k▼ 8.3%
Net result€15k-€77k▲ 402%€76k▼ 1.0%€69k▼ 8.8%€71k▲ 2.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €863k
Fixed assets
€140k▼ 26.9%
Current assets
€723k▲ 23.1%
Equity and liabilities €863k
Equity
€606k▲ 13.3%
Debt
€257k▲ 5.4%
The debt ratio falls from 31.3% to 29.8%. Equity and debt are higher.
Key figures and ratios
Solvency
70.2%▲
2024 · 68.7%
ROE
11.7%▼
2024 · 12.9%
ROA
8.2%▼
2024 · 8.9%
Debt
€257k▲
2024 · €244k
Debt ≤ 1 year
€203k▲
2024 · €152k
Debt > 1 year
€52k▼
2024 · €90k
Income taxes
€23k▼
2024 · €32k
Staff costs
€209k▲
2024 · €129k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€779k€863k▲
Fixed assets21/28€191k€140k▼
Intangible fixed assets21€120k€82k▼
Tangible fixed assets22/27€71k€58k▼
Plant, machinery and equipment23€48k€43k▼
Furniture and vehicles24€24k€14k▼
Financial fixed assets28€50€50=
Current assets29/58€588k€723k▲
Amounts receivable after more than one year29€569k€596k▲
Trade receivables290€569k€596k▲
Amounts receivable within one year40/41€11k€32k▲
Other amounts receivable41€11k€32k▲
Cash at bank and in hand54/58€5k€94k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€779k€863k▲
Equity10/15€535k€606k▲
Contributions10/11€19k€19k=
Reserves13€516k€588k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€52k€52k=
Distributable reserves133€462k€533k▲
Amounts payable17/49€244k€257k▲
Amounts payable after more than one year17€90k€52k▼
Financial debts170/4€90k€52k▼
Amounts payable within one year42/48€152k€203k▲
Current portion of amounts payable after more than one year42€36k€62k▲
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€30k€23k▼
Suppliers440/4€30k€23k▼
Taxes, remuneration and social security45€84k€86k▲
Taxes450/3€32k€35k▲
Remuneration and social security454/9€52k€51k▼
Other amounts payable47/48€341€32k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Remuneration, social security and pensions62€129k€209k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€60k▲
Other operating charges640/8€42k€8k▼
Gross operating margin9900€334k€377k▲
Operating profit (loss)9901€109k€100k▼
Financial income75/76B€18€9▼
Recurring financial income75€18€9▼
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€101k€94k▼
Income taxes67/77€32k€23k▼
Profit (loss) for the period9904€69k€71k▲
Profit (loss) for the period to be appropriated9905€69k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€69k€71k▲
Transfer to equity691/2€69k€71k▲
To other reserves6921€69k€71k▲
The notes to these accounts (10 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Equity above €500kEq €535k ▲14.9%
7 profitable years in a row build equity to €535k.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €77k ▲402%
Operating result €117k, net result €77k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼94%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, La Louvière · 1 establishment unit since 2003
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.
Place Mattéotti(L.L) 597100 La LouvièreGround area
121 m²
Building footprint
52 m²
Volume, LiDAR
572 m³
Parcel 55373B0026/00H013, Wallonia · tallest building 11.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BANCASSURANCE STEPHANE FONTAINE SPRL
since 20032.133.352.672
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55373B0026/00H013 | Wallonia | 121 m² | 1 · 52 m² | 11.8 m · 4 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.
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AUX SIX FONTAINES
BE 0428.711.789
Herve · Eq €603k
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 584 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2003
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
67130
64110Financial service activities, except insurance and pension funding
64921Financial service activities, except insurance and pension funding
64922Financial service activities, except insurance and pension funding
65221
65222
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@bsf-sprl.com