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BBX

Active
Private limited companyfounded 199927 yrs activeRue des Pensées des Champs(VD) 4, 5020 Namur, BelgiumKBO/BCE: BE 0466.075.694
Summary

BBX has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€30,820) and a net result of -€489. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 9521 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability24▼-12
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 0.24 in 2023; short-term debt: 432.8% and cash: 1.7% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 2024
Solvency, return and age of the figures
Solvency
-332.8%
Return on assets
-5.3%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 27 years 0 30 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
181920212324
2018 to 2024 · latest year -€30,820
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-03-2026, 232 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
232 d late
2023
597 d late
2021
32 d late
2020
102 d late
2019
117 d late
2018
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 185 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

BBX was incorporated on 31 May 1999.1 Total assets rose from EUR 7,922 in 2018 to EUR 9,262 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
-€30,820▼ 1.6%
2023 · -€30,331
Total assets
€9,262▼ 1.1%
2023 · €9,364
Net result
-€489▼ 853%
2023 · -€51
Working capital
-€30,820▼ 1.6%
2023 · -€30,331
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20192020202120232024
Operating result-€3,588▼ 1,975%-€1,767▲ 50.8%-€1,611▲ 8.8%-€437
Net result-€3,662▼ 2,018%-€1,805▲ 50.7%-€1,650▲ 8.6%-€51--€489▼ 853%
Equity-€26,779▼ 15.8%-€28,584▼ 6.7%-€30,234▼ 5.8%-€30,331--€30,820▼ 1.6%
Total assets€6,144▼ 22.4%€5,345▼ 13.0%€9,461▲ 77.0%€9,364-€9,262▼ 1.1%
Debt€32,923▲ 6.1%€33,929▲ 3.1%€39,695▲ 17.0%€39,695-€40,082▲ 1.0%
Working capital-€26,779▼ 15.8%-€28,584▼ 6.7%-€30,234▼ 5.8%-€30,331--€30,820▼ 1.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€3,000-€2,000-€1,000€0Operating result 2019: -€3,588-€3,588Net result 2019: -€3,662-€3,662Operating result 2020: -€1,767-€1,767Net result 2020: -€1,805-€1,805Operating result 2021: -€1,611-€1,611Net result 2021: -€1,650-€1,650Net result 2023: -€51-€51Operating result 2024: -€437-€437Net result 2024: -€489-€48920192020202120232024-€2,000-€1,500-€1,000-€500€0Operating result 2021: -€1,611-€1,610Net result 2021: -€1,650-€1,650Net result 2023: -€51-€51Operating result 2024: -€437-€437Net result 2024: -€489-€489202120232024
The operating result is -€437 in 2024, compared with -€1,611 in 2021. Comparable figures for the intervening years are unavailable.
Key figures and ratios
2024 value · change against 2023
Solvency
-332.8%▼
2023 · -323.9%
Current ratio
0.23▼
2023 · 0.24
Debt to equity
-1.30▲
2023 · -1.31
ROA
-5.3%▼
2023 · -0.5%
Debt ≤ 1 year
€40,082▲
2023 · €39,695
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,798 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a small loss
1.9% went bankrupt
6.0% stopped otherwise
90% still going

A further 2.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,798 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 27 lines
Balance sheet Code20232024
Assets
Total assets20/58€9,364€9,262▼
Current assets29/58€9,364€9,262▼
Amounts receivable within one year40/41€9,100€9,100=
Other amounts receivable41€9,100€9,100=
Cash at bank and in hand54/58€264€162▼
Equity and liabilities
Total equity and liabilities10/49€9,364€9,262▼
Equity10/15-€30,331-€30,820▼
Contributions10/11€18,592€18,592=
Reserves13€1,859€1,859=
Non-distributable reserves130/1€1,859€1,859=
Reserves not available under the articles1311€1,859€1,859=
Profit (loss) carried forward14-€50,782-€51,271▼
Amounts payable17/49€39,695€40,082▲
Amounts payable within one year42/48€39,695€40,082▲
Trade debts44€3,851€3,851=
Suppliers440/4€3,851€3,851=
Other amounts payable47/48€35,844€36,231▲
Income statement Code20232024
Other operating charges640/8-€50
Gross operating margin9900--€387
Operating profit (loss)9901--€437
Financial charges65/66B€51€52▲
Recurring financial charges65€51€52▲
Profit (loss) for the period before taxes9903-€51-€489▼
Profit (loss) for the period9904-€51-€489▼
Profit (loss) for the period to be appropriated9905-€51-€489▼
Appropriation of the result
Profit (loss) to be appropriated9906-€50,782-€51,271▼
Profit (loss) brought forward from the previous period14P-€50,731-€50,782▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20192020202120232024Change
Other operating charges640/8----€50-
Gross operating margin9900-€3,226-€1,611-€1,611--€387-
Operating profit (loss)9901-€3,588-€1,767-€1,611--€437-
Financial charges65/66B--€39€51€52▲ 0.8%
Recurring financial charges65€74€39€39€51€52▲ 0.8%
Profit (loss) for the period before taxes9903-€3,662-€1,805-€1,650-€51-€489▼ 853%
Profit (loss) for the period9904-€3,662-€1,805-€1,650-€51-€489▼ 853%
Profit (loss) for the period to be appropriated9905-€3,662-€1,805-€1,650-€51-€489▼ 853%
Line20192020202120232024Change
Assets
Total assets20/58€6,144€5,345€9,461€9,364€9,262▼ 1.1%
Current assets29/58€6,144€5,345€9,461€9,364€9,262▼ 1.1%
Amounts receivable within one year40/41€5,700€5,200€9,100€9,100€9,100=
Other amounts receivable41--€9,100€9,100€9,100=
Cash at bank and in hand54/58€444€145€361€264€162▼ 38.6%
Equity and liabilities
Total equity and liabilities10/49€6,144€5,345€9,461€9,364€9,262▼ 1.1%
Equity10/15-€26,779-€28,584-€30,234-€30,331-€30,820▼ 1.6%
Contributions10/11€18,592€18,592€18,592€18,592€18,592=
Capital10--€18,592---
Issued capital100--€18,592---
Reserves13€1,859€1,859€1,859€1,859€1,859=
Non-distributable reserves130/1--€1,859€1,859€1,859=
Legal reserve130--€1,859---
Reserves not available under the articles1311---€1,859€1,859=
Profit (loss) carried forward14-€47,230-€49,035-€50,685-€50,782-€51,271▼ 1.0%
Amounts payable17/49€32,923€33,929€39,695€39,695€40,082▲ 1.0%
Amounts payable within one year42/48€32,923€33,929€39,695€39,695€40,082▲ 1.0%
Trade debts44€2,057€3,086€3,851€3,851€3,851=
Suppliers440/4--€3,851€3,851€3,851=
Other amounts payable47/48--€35,844€35,844€36,231▲ 1.1%
Line20192020202120232024Change
Profit (loss) for the period9904-€3,662-€1,805-€1,650-€51-€489▼ 853%
Operating cash flow (approximation)-€3,662-€1,805-€1,650-€51-€489▼ 853%
Change in cash--€299€216--€102-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
20-03
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 232 days late
20-03
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 597 days late
2022
01-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 32 days late
2021
10-11
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 102 days late
2020
25-11
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
31-12
Financial Weakest financial yearnet -€3,662
Net result drops to -€3,662, the lowest in the series; recovery starts the following year.
29-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-09
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
27-09
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 58 days late
2016
26-09
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 57 days late
2015
30-09
NBB filing Annual accounts filed
fiscal year 2014 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Namur · 1 establishment unit since 1999
seat establishment The establishment unit on the map
Ground area
805 m²
Building footprint
121 m²
Volume, LiDAR
802 m³
Parcel 92128C0051/00F005, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BS Expert
Rue des Pensées des Champs(VD) 4, 5020 NamurNACE 5143002
since 19992.103.144.991
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92128C0051/00F005 Wallonia 805 m² 1 · 121 m² 8.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector and region

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 24,517 companies in sector 82990 we hold annual accounts for 9,415. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded31-05-1999
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0466075694
Registered 02-03-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.