BD GESTION
ActiveBD GESTION has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €369k and a net result of €149k. Equity is growing by ~65.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 37960 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▲+5
Solvency55▲+12
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.88 in 2023; short-term debt: 33.6% and cash: 2% of total assets), and 69.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
58 d late
2022
31 d late
2021
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€369k▲ 67.7%
2023 · €220k
2021: €85k
2022: €119k
2023: €220k
2021 → 2024
Total assets
€1.23M▼ 0.9%
2023 · €1.24M
2021: €861k
2022: €803k
2023: €1.24M
2021 → 2024
Net result
€149k▲ 47.5%
2023 · €101k
2021: €82k
2022: €34k
2023: €101k
2021 → 2024
Working capital
€-295k▼ 468%
2023 · €-52k
2021: €-379k
2022: €-376k
2023: €-52k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€85k-€119k▲ 40.6%€220k▲ 84.9%€369k▲ 67.7%
Operating result€119k-€52k▼ 56.4%€141k▲ 171%€170k▲ 20.5%
Net result€82k-€34k▼ 57.9%€101k▲ 194%€149k▲ 47.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 20% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.23M
Fixed assets
€1.11M▲ 31.8%
Current assets
€117k▼ 70.4%
Equity and liabilities €1.23M
Equity
€369k▲ 67.7%
Debt
€857k▼ 15.8%
The debt ratio falls from 82.2% to 69.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€178k▲
2023 · €151k
Cash flow
€157k▲
2023 · €110k
Solvency
30.1%▲
2023 · 17.8%
Current ratio
0.28▼
2023 · 0.88
Quick ratio
0.28▼
2023 · 0.88
Debt / equity
2.32▼
2023 · 4.63
ROE
40.4%▼
2023 · 45.9%
ROA
12.1%▲
2023 · 8.2%
Interest coverage
12.18▼
2023 · 20.19
Debt
€857k▼
2023 · €1.02M
Debt ≤ 1 year
€412k▼
2023 · €448k
Debt > 1 year
€444k▼
2023 · €569k
Income taxes
€43k▲
2023 · €33k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.24M€1.23M▼
Fixed assets21/28€840k€1.11M▲
Tangible fixed assets22/27€118k€386k▲
Land and buildings22€117k€385k▲
Furniture and vehicles24€1k€911▼
Financial fixed assets28€722k€722k=
Current assets29/58€396k€117k▼
Amounts receivable within one year40/41€382k€93k▼
Trade receivables40€63k€93k▲
Other amounts receivable41€319k-
Cash at bank and in hand54/58€14k€25k▲
Deferred charges and accrued income490/1-€201
Equity and liabilities
Total equity and liabilities10/49€1.24M€1.23M▼
Equity10/15€220k€369k▲
Contributions10/11€3k€3k=
Reserves13€42k-
Tax-exempt reserves132€42k-
Profit (loss) carried forward14€175k€366k▲
Amounts payable17/49€1.02M€857k▼
Amounts payable after more than one year17€569k€444k▼
Financial debts170/4€569k€444k▼
Amounts payable within one year42/48€448k€412k▼
Current portion of amounts payable after more than one year42€30k€30k▲
Trade debts44€1k€53k▲
Suppliers440/4€1k€53k▲
Taxes, remuneration and social security45€50k€46k▼
Taxes450/3€50k€46k▼
Other amounts payable47/48€367k€283k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€37€2k▲
Gross operating margin9900€151k€180k▲
Operating profit (loss)9901€141k€170k▲
Financial income75/76B€432€36k▲
Recurring financial income75€432€36k▲
Financial charges65/66B€7k€15k▲
Recurring financial charges65€7k€15k▲
Profit (loss) for the period before taxes9903€134k€191k▲
Income taxes67/77€33k€43k▲
Profit (loss) for the period9904€101k€149k▲
Transfer from tax-exempt reserves789-€42k
Transfer to tax-exempt reserves689€42k-
Profit (loss) for the period to be appropriated9905€59k€191k▲
Appropriation of the result
Profit (loss) to be appropriated9906€175k€366k▲
Profit (loss) brought forward from the previous period14P€116k€175k▲
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
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2021net €149k ▲47.5%
Operating result €170k, net result €149k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Equity above €200kEq €220k ▲84.9%
3 profitable years in a row build equity to €220k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €34k ▼57.9%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €119k ▲40.6%
2 profitable years in a row build equity to €119k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fernelmont · 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.
Rue de Baugniet, C.-W. 15380 FernelmontGround area
1.6 ha
Building footprint
319 m²
Parcel 92027A0667/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BD GESTION
since 20212.312.273.429
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92027A0667/00K000 | Wallonia | 1.6 ha | 1 · 319 m² | - |
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.
Similar companies · same sector, comparable size
NIBSO
BE 0536.300.132
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SIEMPRE
BE 0548.700.591
Etterbeek · Eq €369k
FLOWHR
BE 0801.968.977
Zele · Eq €369k
TC-C
BE 0818.391.770
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CHAMEMIO
BE 0785.971.204
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,568. 36,871 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2020
Fiscal year end31-12
Abbreviation FR
BDG
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.