Financials
- Fiscal year
- 2025
- Total assets
- €137,844
- Profit
- €1,088
- Solvency
- 4.4%
BF CONSTRUCTION
ActiveSummary
The computed 12-month bankruptcy probability of BF CONSTRUCTION is 4.5% (elevated). The 2025 annual accounts show equity of €6,088 and a net result of €1,088. Its solvency ranks better than 15% of 9,039 sector peers (NACE 41, fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
General construction of residential buildings
NACE 41001
1 site
Size
€137,844total assets 2025
- Equity
- €6,088
- Profit
- €1,088
Turnover not published (abridged schema)
Structure
Accounts 71 days early0 of 1 deed read
Why 36- Founded in 2025- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €137,844- Liquidity: current ratio 0.28, cash €3,207Show the evidence
Checked score
Score 2025
36
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 20% of its sector peers (NACE 41, micro)
Financial strength
Weak
Solvency
29
equity 4.4% of total assets
Liquidity
3
short-term debt 95.6% · cash 2.3%
Profitability
70
return on assets 0.8%
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 3.6%lowest value
03-2026: 3.7%▲ +0.1 percentage points vs 02-2026
04-2026: 3.7%● unchanged vs 03-2026
05-2026: 4.2%▲ +0.5 percentage points vs 04-2026
06-2026: 4.2%● unchanged vs 05-2026
07-2026: 4.3%▲ +0.1 percentage points vs 06-2026
08-2026: 4.5%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 4.5%● unchanged vs 08-2026highest value
10-2026: 4.5%● unchanged vs 09-2026
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.28; short-term debt: 95.6% and cash: 2.3% of total assets), and 95.6% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 14% on solvency, 5% on liquidity and 41% on profitability.
The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 9039 sector peers (2025).
NBB · sector comparisonPosition among 9039 sector peers
Solvency
better than 15%
← 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 21-05-2026, 71 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
71 days early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 07-01-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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