BCFF
ActiveThe computed 12-month bankruptcy probability of BCFF is 5.6% (elevated). The 2025 annual accounts show equity of €87k and a net result of €19k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 43% of 3620 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+16
Solvency48▲+7
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.4 against 0.38 in 2024; short-term debt: 52.8% and cash: 10% of total assets), and 76.8% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
23.2%
Return on assets
5.1%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 d early
2024
29 d early
2023
on the day
2022
21 d late
2021
16 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€19k
2024 · €-7k
2021: €31k
2022: €7k
2023: €-3k
2024: €-7k
2021 → 2025
Working capital
€-120k▼ 0.8%
2024 · €-119k
2021: €-33k
2022: €-78k
2023: €-100k
2024: €-119k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€78k▲ 9.8%€75k▼ 4.2%€68k▼ 9.6%€87k▲ 28.2%
Operating result€44k-€22k▼ 49.4%€13k▼ 40.4%€8k▼ 37.6%€37k▲ 340%
Net result€31k-€7k▼ 77.7%€-3k€-7k▼ 117%€19k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 340% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €376k
Fixed assets
€297k▼ 14.1%
Current assets
€79k▲ 6.5%
Equity and liabilities €376k
Equity
€87k▲ 28.2%
Debt
€288k▼ 18.0%
The debt ratio falls from 83.8% to 76.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€108k▲
2024 · €79k
Cash flow
€91k▲
2024 · €63k
Solvency
23.2%▲
2024 · 16.2%
Current ratio
0.40▲
2024 · 0.38
Quick ratio
0.35▲
2024 · 0.33
Debt / equity
3.31▼
2024 · 5.18
ROE
22.0%▲
2024 · -10.6%
ROA
5.1%▲
2024 · -1.7%
Interest coverage
9.11▲
2024 · 5.07
Debt
€288k▼
2024 · €352k
Debt ≤ 1 year
€198k▲
2024 · €193k
Debt > 1 year
€90k▼
2024 · €159k
Income taxes
€6k
Staff costs
€563k▲
2024 · €500k
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€420k€376k▼
Fixed assets21/28€346k€297k▼
Intangible fixed assets21€216k€166k▼
Tangible fixed assets22/27€129k€130k▲
Plant, machinery and equipment23€57k€56k▼
Furniture and vehicles24€10k€6k▼
Other tangible fixed assets26€62k€68k▲
Financial fixed assets28€203€203=
Current assets29/58€74k€79k▲
Stocks and contracts in progress3€9k€9k▼
Stocks30/36€9k€9k▼
Amounts receivable within one year40/41€880€2k▲
Trade receivables40€813€1k▲
Other amounts receivable41€67€1k▲
Current investments50/53€23k€30k▲
Cash at bank and in hand54/58€40k€37k▼
Deferred charges and accrued income490/1€312€0▼
Equity and liabilities
Total equity and liabilities10/49€420k€376k▼
Equity10/15€68k€87k▲
Contributions10/11€40k€40k=
Profit (loss) carried forward14€28k€47k▲
Amounts payable17/49€352k€288k▼
Amounts payable after more than one year17€159k€90k▼
Financial debts170/4€159k€90k▼
Amounts payable within one year42/48€193k€198k▲
Current portion of amounts payable after more than one year42€84k€83k▼
Trade debts44€53k€54k▲
Suppliers440/4€53k€54k▲
Taxes, remuneration and social security45€56k€61k▲
Taxes450/3€8k€15k▲
Remuneration and social security454/9€47k€47k▼
Other amounts payable47/48-€84
Income statement
Code20242025
Remuneration, social security and pensions62€500k€563k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€72k▲
Other operating charges640/8€387€483▲
Gross operating margin9900€579k€671k▲
Operating profit (loss)9901€8k€37k▲
Financial income75/76B€91€354▲
Recurring financial income75€91€354▲
Financial charges65/66B€16k€12k▼
Recurring financial charges65€16k€12k▼
Profit (loss) for the period before taxes9903€-7k€25k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€-7k€19k▲
Profit (loss) for the period to be appropriated9905€-7k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€47k▲
Profit (loss) brought forward from the previous period14P€35k€28k▼
The notes to these accounts (18 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ukkel · 1 establishment unit since 2021
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.
Egide Van Ophemstraat 201180 UkkelGround area
532 m²
Building footprint
315 m²
Volume, LiDAR
688 m³
2 parcels, Brussels, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BCFF
since 20212.316.682.771
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050B0445/00R000 | Wallonia | 414 m² | 1 · 221 m² | - |
| 21616G0167/02C004 | Brussels | 118 m² | 1 · 93 m² | 12.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteLa Hulpe2.316.682.771
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Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 9,700 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2020
Fiscal year end31-12
Trade name FR
Schievelavabo La Hulpe
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.