BD4 SOLUTIONS
ActiveSummary
BD4 SOLUTIONS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €346k and a net result of €168k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 38% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+16
Solvency63▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.76 against 0.84 in 2024; short-term debt: 35.5% and cash: 11.1% of total assets), and 61.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
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
38.4%
Return on assets
18.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
47 d early
2024
2 d early
2023
2 d early
2022
10 d late
2021
35 d early
2020
25 d late
2019
12 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€179k
EBIT margin
38.1%
Net result
€168k▲ 47.1%
2024 · €114k
2019: €86k
2020: €98k
2021: €113k
2022: €167k
2023: €73k
2024: €114k
2019 → 2025
Working capital
€-77k▼ 119%
2024 · €-35k
2019: €-51k
2020: €-44k
2021: €7k
2022: €-137k
2023: €-138k
2024: €-35k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€388k-€255k▼ 34.2%€264k▲ 3.2%€378k▲ 43.4%€346k▼ 8.4%
Operating result€68k-€73k▲ 7.9%€80k▲ 8.7%€87k▲ 9.1%€103k▲ 18.9%
Net result€113k-€167k▲ 47.4%€73k▼ 56.1%€114k▲ 56.0%€168k▲ 47.1%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €901k
Fixed assets
€658k ▼ 0.2%
Current assets
€243k ▲ 31.7%
Equity and liabilities €901k
Equity
€346k ▼ 8.4%
Provisions
€234k ▼ 0.9%
Debt
€321k ▲ 39.8%
Debt's share of the balance-sheet total rises from 27.2% to 35.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€105k▲
2024 · €88k
Cash flow
€169k▲
2024 · €115k
Current ratio
0.76▼
2024 · 0.84
Debt to equity
0.93▲
2024 · 0.61
ROE
48.6%▲
2024 · 30.3%
ROA
18.7%▲
2024 · 13.6%
Interest coverage
5.96▲
2024 · 4.85
Debt ≤ 1 year
€320k▲
2024 · €220k
Income taxes
€18k▲
2024 · €15k
Staff costs
€31k▲
2024 · €30k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€844k€901k▲
Fixed assets21/28€659k€658k▼
Tangible fixed assets22/27€3k€1k▼
Land and buildings22€316-
Furniture and vehicles24€2k€993▼
Other tangible fixed assets26€642€481▼
Financial fixed assets28€656k€656k=
Current assets29/58€185k€243k▲
Amounts receivable within one year40/41€51k€2k▼
Trade receivables40€51k-
Other amounts receivable41-€2k
Current investments50/53€40k€41k▲
Cash at bank and in hand54/58€32k€100k▲
Deferred charges and accrued income490/1€61k€101k▲
Equity and liabilities
Total equity and liabilities10/49€844k€901k▲
Equity10/15€378k€346k▼
Contributions10/11€19k€20k▲
Reserves13€359k€326k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€357k€326k▼
Provisions and deferred taxes16€236k€234k▼
Provisions for liabilities and charges160/5€236k€234k▼
Other liabilities and charges164/5€236k€234k▼
Amounts payable17/49€229k€321k▲
Amounts payable after more than one year17€9k-
Financial debts170/4€9k-
Amounts payable within one year42/48€220k€320k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€24k€62k▲
Taxes450/3€17k€55k▲
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€182k€246k▲
Accrued charges and deferred income492/3€355€512▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k€31k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-2k€-2k▼
Other operating charges640/8€923€2k▲
Gross operating margin9900€117k€136k▲
Operating profit (loss)9901€87k€103k▲
Financial income75/76B€60k€100k▲
Recurring financial income75€60k€100k▲
Financial charges65/66B€18k€18k▼
Recurring financial charges65€18k€18k▼
Profit (loss) for the period before taxes9903€129k€186k▲
Income taxes67/77€15k€18k▲
Profit (loss) for the period9904€114k€168k▲
Profit (loss) for the period to be appropriated9905€114k€168k▲
Appropriation of the result
Profit (loss) to be appropriated9906€114k€168k▲
Transfer from equity791/2-€32k
Transfer to equity691/2€114k-
To other reserves6921€114k-
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
The notes to these accounts (5 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Highest result since 2019net €168k ▲47.1%
Operating result €103k, net result €168k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Weakest financial yearnet €73k ▼56.1%
Net result drops to €73k, the lowest in the series; recovery starts the following year.
10-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 10 days late
2021
27-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
30-06
Financial
Equity above €200kEq €290k ▲51.4%
2 profitable years in a row build equity to €290k.
12-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
13-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2015
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.
Avenue Lambermont 261342 Ottignies-Louvain-la-NeuveGround area
1,507 m²
Building footprint
202 m²
Volume, LiDAR
1,413 m³
Parcel 25056A0493/00F000, Wallonia · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Lambermont 26, 1342 Ottignies-Louvain-la-Neuve
since 20152.248.247.093
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056A0493/00F000 | Wallonia | 1,507 m² | 1 · 202 m² | 10.0 m · 2 fl. |
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.
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BE 0787.935.750
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,297 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2015
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475554277