BBYLOVE

Active

Private limited companyfounded 20224 yrs activeKersbeeklaan 308, 1180 Ukkel, BelgiumKBO/BCE: BE 0788.397.984

Summary

The annual accounts of BBYLOVE for fiscal year 2025 show a net loss of 61% of total assets. The 2025 annual accounts show equity of €12,267 and a net result of -€9,194. Equity is shrinking by ~54.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 79% of 8504 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

BBYLOVEActiveChecked score 55/100

Risk analysis Report Compare

Activity

Public relations and communication consultancy

NACE 73300NACE 70210

1 site

Size

€15,110total assets 2025

Equity: €12,267
Loss: -€9,194

Turnover not published (abridged schema)

Financial health

55 Fair Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts 4 d early0 of 2 deeds read

Why 55Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €9,194, the second in a row (FY 2025)+ Sector Advertising, market research and public relations activities (NACE 73)+ Liquidity: current ratio 1.80, cash €4,754, halved+ Size: total assets €15,110Show the evidence

Checked score

Score 2025

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 46% of its sector peers (NACE 73, micro)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+21

equity 81.2% of total assets

Liquidity 84+7

short-term debt 18.8% · cash 31.5%

Profitability 0=

return on assets -60.8%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,215 companies)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -1.0% vs 12-2024 02-2025: 0.3%▼ -1.7% vs 01-2025 03-2025: 0.3%▲ +2.5% vs 02-2025 04-2025: 0.4%▲ +29.4% vs 03-2025 05-2025: 0.4%▲ +11.8% vs 04-2025 06-2025: 0.4%▼ -1.4% vs 05-2025 07-2025: 0.4%▲ +5.3% vs 06-2025highest value 08-2025: 0.3%▼ -21.7% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%▲ +1.2% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -12.5% vs 12-2025 02-2026: 0.3%▼ -2.0% vs 01-2026 03-2026: 0.2%▼ -24.7% vs 02-2026lowest value 04-2026: 0.2%▲ +2.3% vs 03-2026 05-2026: 0.2%▲ +7.5% vs 04-2026 06-2026: 0.3%▲ +4.5% vs 05-2026 07-2026: 0.3%▲ +5.5% vs 06-2026 08-2026: 0.3%▲ +9.7% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026

Sector Advertising, market research and public relations activities (NACE 73) lowers the probability
Liquidity: current ratio 1.80, cash €4,754, halved lowers the probability
Size: total assets €15,110 lowers the probability for this profile
Loss of €9,194, the second in a row (FY 2025) raises the probability

Credit up to €500 at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity ample (current ratio 1.8 against 1.49 in 2024; short-term debt: 18.8% and cash: 31.5% of total assets), and 18.8% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 73, micro). Better than this share of them on solvency 87%, liquidity 76%, profitability 6%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Advertising, market research and public relations activities (NACE 73)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 1.80, cash €4,754, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €15,110

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Loss of €9,194, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

232425

2023 to 2025 · latest year -€9,194

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

4 d early

2024

2 d early

2023

30 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 29 July (3 of the last 3 filed years within 33 days of that day).

Companies Code · seven months

Position in the running window

05-10-2026 today31-12-2026 close31-07-2027 deadline

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

27-07-26 Annual accounts filedfiscal year 2025 · micro…
29-07-25 Annual accounts filedfiscal year 2024 · micro…
31-12-24 Weakest financial yearnet -€14,227

Key points

Caution: Among the weakest 15% on net resultsector median €14,845 · 8,504 companies -€9,194 View
Caution: 2 loss-making years in a rowloss fiscal year 2025 -€9,194 View
Total assets 20253 fiscal years filed €15,110 View