BD STYLE
ActiveSummary
BD STYLE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11,997 and a net result of €3,756. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 28051 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▼-16
Solvency27=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.3 against 0.34 in 2024; short-term debt: 87.4% and cash: 0.8% of total assets), and 97.6% of the assets are financed with debt.
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Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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 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
2.4%
Return on assets
0.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 28051 sector peers (2025).
NBB · sector comparisonPosition among 28051 sector peers
Solvency
better than 10%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
57 d early
2023
57 d early
2022
54 d early
2021
52 d early
2020
60 d early
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 35 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€11,997▲ 45.6%
2024 · €8,241
Total assets
€491,150▼ 4.6%
2024 · €514,997
Net result
€3,756▼ 69.3%
2024 · €12,223
Working capital
-€299,797▼ 2.6%
2024 · -€292,251
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
Line20212022202320242025
Operating result€2,638€10,629▲ 303%€6,531▼ 38.6%€16,180▲ 148%€7,060▼ 56.4%
Net result-€2,522▲ 77.7%€5,877€1,944▼ 66.9%€12,223▲ 529%€3,756▼ 69.3%
Equity-€11,803▼ 27.2%-€5,926▲ 49.8%-€3,982▲ 32.8%€8,241€11,997▲ 45.6%
Total assets€253,648▼ 6.7%€528,789▲ 108%€521,136▼ 1.4%€514,997▼ 1.2%€491,150▼ 4.6%
Debt€265,451▼ 5.5%€534,715▲ 101%€525,119▼ 1.8%€506,756▼ 3.5%€479,153▼ 5.4%
Working capital€2,245▼ 75.6%-€276,879-€293,788▼ 6.1%-€292,251▲ 0.5%-€299,797▼ 2.6%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €491,150
Fixed assets
€361,469 ▼ 1.4%
Current assets
€129,681 ▼ 12.7%
Equity and liabilities €491,150
Equity
€11,997 ▲ 45.6%
Debt
€479,153 ▼ 5.4%
Debt's share of the balance-sheet total falls from 98.4% to 97.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12,032▼
2024 · €21,152
Cash flow
€8,728▼
2024 · €17,195
Current ratio
0.30▼
2024 · 0.34
Quick ratio
0.11▼
2024 · 0.14
Debt to equity
39.94▼
2024 · 61.49
ROE
31.3%▼
2024 · 148.3%
ROA
0.8%▼
2024 · 2.4%
Interest coverage
3.84▼
2024 · 5.56
Debt ≤ 1 year
€429,478▼
2024 · €440,806
Debt > 1 year
€49,675▼
2024 · €65,949
Income taxes
€218▲
2024 · €207
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,500 | €5,352 | €5,352 | €4,972 | €4,972 | = |
| Other operating charges640/8 | €4,397 | €4,796 | €5,116 | €5,033 | €5,309 | ▲ 5.5% |
| Gross operating margin9900 | €16,536 | €20,777 | €16,999 | €26,185 | €17,341 | ▼ 33.8% |
| Operating profit (loss)9901 | €2,638 | €10,629 | €6,531 | €16,180 | €7,060 | ▼ 56.4% |
| Financial income75/76B | €299 | €24 | €129 | €56 | €47 | ▼ 16.3% |
| Recurring financial income75 | €299 | €24 | €129 | €56 | €47 | ▼ 16.3% |
| Financial charges65/66B | €5,298 | €4,777 | €4,348 | €3,806 | €3,133 | ▼ 17.7% |
| Recurring financial charges65 | €5,298 | €4,777 | €4,348 | €3,806 | €3,133 | ▼ 17.7% |
| Profit (loss) for the period before taxes9903 | -€2,361 | €5,877 | €2,312 | €12,430 | €3,974 | ▼ 68.0% |
| Income taxes67/77 | €161 | - | €368 | €207 | €218 | ▲ 5.2% |
| Profit (loss) for the period9904 | -€2,522 | €5,877 | €1,944 | €12,223 | €3,756 | ▼ 69.3% |
| Profit (loss) for the period to be appropriated9905 | -€2,522 | €5,877 | €1,944 | €12,223 | €3,756 | ▼ 69.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €253,648 | €528,789 | €521,136 | €514,997 | €491,150 | ▼ 4.6% |
| Fixed assets21/28 | €97,117 | €376,765 | €371,413 | €366,441 | €361,469 | ▼ 1.4% |
| Tangible fixed assets22/27 | €97,117 | €91,765 | €86,413 | €81,441 | €76,469 | ▼ 6.1% |
| Land and buildings22 | €96,357 | €91,385 | €86,413 | €81,441 | €76,469 | ▼ 6.1% |
| Plant, machinery and equipment23 | €760 | €380 | - | - | - | - |
| Financial fixed assets28 | - | €285,000 | €285,000 | €285,000 | €285,000 | = |
| Current assets29/58 | €156,531 | €152,024 | €149,723 | €148,556 | €129,681 | ▼ 12.7% |
| Stocks and contracts in progress3 | €81,575 | €84,930 | €85,322 | €87,282 | €80,531 | ▼ 7.7% |
| Stocks30/36 | €81,575 | €84,930 | €85,322 | €87,282 | €80,531 | ▼ 7.7% |
| Amounts receivable within one year40/41 | €67,641 | €55,334 | €61,981 | €51,206 | €43,677 | ▼ 14.7% |
| Trade receivables40 | €6,908 | - | €5,300 | - | - | - |
| Other amounts receivable41 | €60,733 | €55,334 | €56,681 | €51,206 | €43,677 | ▼ 14.7% |
| Cash at bank and in hand54/58 | €5,906 | €10,332 | €1,019 | €8,599 | €3,941 | ▼ 54.2% |
| Deferred charges and accrued income490/1 | €1,409 | €1,427 | €1,401 | €1,468 | €1,531 | ▲ 4.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €253,648 | €528,789 | €521,136 | €514,997 | €491,150 | ▼ 4.6% |
| Equity10/15 | -€11,803 | -€5,926 | -€3,982 | €8,241 | €11,997 | ▲ 45.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€30,403 | -€24,526 | -€22,582 | -€10,359 | -€6,603 | ▲ 36.3% |
| Amounts payable17/49 | €265,451 | €534,715 | €525,119 | €506,756 | €479,153 | ▼ 5.4% |
| Amounts payable after more than one year17 | €111,165 | €96,671 | €81,607 | €65,949 | €49,675 | ▼ 24.7% |
| Financial debts170/4 | €111,165 | €96,671 | €81,607 | €65,949 | €49,675 | ▼ 24.7% |
| Amounts payable within one year42/48 | €154,286 | €428,904 | €443,512 | €440,806 | €429,478 | ▼ 2.6% |
| Current portion of amounts payable after more than one year42 | €13,944 | €14,493 | €15,064 | €15,658 | €16,274 | ▲ 3.9% |
| Trade debts44 | €10,562 | €10,528 | €13,549 | €12,501 | €8,126 | ▼ 35.0% |
| Suppliers440/4 | €10,562 | €10,528 | €13,549 | €12,501 | €8,126 | ▼ 35.0% |
| Advances received on contracts in progress46 | - | €226 | - | - | - | - |
| Taxes, remuneration and social security45 | €2,147 | - | €1,743 | - | - | - |
| Taxes450/3 | €2,147 | - | €1,743 | - | - | - |
| Other amounts payable47/48 | €127,633 | €403,656 | €413,155 | €412,648 | €405,077 | ▼ 1.8% |
| Accrued charges and deferred income492/3 | - | €9,141 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,522 | €5,877 | €1,944 | €12,223 | €3,756 | ▼ 69.3% |
| + Depreciation and write-downs630 | €9,500 | €5,352 | €5,352 | €4,972 | €4,972 | = |
| Operating cash flow (approximation) | €6,978 | €11,229 | €7,296 | €17,195 | €8,728 | ▼ 49.2% |
| Investment in fixed assets (approximation) | - | -€285,000 | €0 | €0 | €0 | - |
| Change in cash | - | €4,426 | -€9,314 | €7,581 | -€4,659 | ▼ 161% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €12,223 ▲529%
Operating result €16,180, net result €12,223, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €5,877
Net result €5,877 after 2 loss-making years.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€11,334
Net result drops to -€11,334, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Lier · 1 establishment unit since 2008
Ground area
636 m²
Building footprint
121 m²
Volume, LiDAR
896 m³
Parcel 12393F0091/00N002, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BD STYLE
since 20082.173.905.305
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0091/00N002 | Flanders | 636 m² | 1 · 121 m² | 10.4 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, comparable size
ALL PAINT SERVICES
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M.S. FACADE
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CODE COULEUR
BE 0774.955.170
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BE 0774.844.116
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Of 7,867 companies in sector 43341 we hold annual accounts for 2,664. 1,765 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
47551Retail sale of household furniture
Scores and ratios are computed by Checked and are not a credit decision.