BF GROUP
The computed 12-month bankruptcy probability of BF GROUP is 2.8% (moderate). The 2024 annual accounts show equity of €11k and a net result of €-2k. Equity is shrinking by ~28.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 95% of 6686 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €11k |
| Net result | €-2k |
| Better than sector | 95% |
| Active | 4 yrs |
Mixed profile: strong on solvency, weaker on profitability.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 88.3% | 20.4% | |
| Net result | €-2k | €4k | |
| Equity | €11k | €16k | |
| Gross operating margin | €-2k | €24k | |
| Total assets | €12k | €94k |
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | - |
| Net profit | €-2k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €12k |
| Equity | €11k |
| Debt | €1k |
| of which ≤ 1y | €1k |
| of which > 1y | - |
| Working capital | €11k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 8.56 |
| Quick ratio | 8.56 |
| Working capital ratio | 88.3% |
| Solvency | 88.3% |
| Debt / equity | 0.13 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -16.1% |
| ROE | -18.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €12k |
| Current assets | 29/58 | €12k |
| Cash & bank | 54/58 | €12k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €12k |
| Equity | 10/15 | €11k |
| Contributions / capital | 10/11 | €18k |
| Accumulated profits (losses) | 14 | €-7k |
| Amounts payable | 17/49 | €1k |
| Amounts payable within one year | 42/48 | €1k |
| Trade debts payable within one year | 44 | €45 |
| Income statement | ||
| Gross operating margin | 9900 | €-2k |
| Operating result | 9901 | €-2k |
| Financial charges | 65 | €8 |
| Result before taxes | 9903 | €-2k |
| Net result for the period | 9904 | €-2k |
| Result to be appropriated | 9905 | €-2k |
-
Current09-12-2025 → present
Former directors (4)
-
Former29-08-2025 → 30-09-2025
2 events
- 30-09-2025 Resigned· Director
- 29-08-2025 Appointed· Director
-
Former01-10-2024 → 29-08-2025
2 events
- 29-08-2025 Resigned· Director
- 01-10-2024 Appointed· Director
-
Former- → 30-09-2024
-
Former01-07-2024 → 30-09-2024
2 events
- 30-09-2024 Resigned· Director
- 01-07-2024 Appointed· Director
| NACE primary | Retail trade(47811) |
| Legal form | Private limited company(610) |
| Incorporation | 13-07-2022 |
| Status | Active |
| Postal code | 1731 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095B0035/00R000 | Flanders | 1,215 m² | 1 · 127 m² | 7.0 m · 1 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
09-12-2025 1 director appointed, 1 resigning
- MEKROM Mostapha, Bestuurder
- ZARIOHI Brahim, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "MEKROM Mostapha",
"address": null,
"birth_date": null
},
"effective_date": "2025-12-09",
"evidence_quote": "De buitengewone algemene vergadering van 01 oktober 2025 aanvaardt de benoeming als bestuurder van De heer MEKROM Mostapha en dit vanaf heden."
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "ZARIOHI Brahim",
"address": null,
"birth_date": null
},
"effective_date": "2025-09-30",
"evidence_quote": "De buitengewone algemene vergadering van 01 oktober 2024 aanvaardt het ontslag als bestuurder van De heer ZARIOHI Brahim en dit vanaf 30/09/2025."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0788.528.440",
"name_full": "BF GROUP",
"legal_form": "BV"
}
}09-09-2025 1 director appointed, 1 resigning
- ZARIOHI Brahim, Bestuurder
- ZARIOHI Houari, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "ZARIOHI Brahim",
"address": null,
"birth_date": null
},
"effective_date": "2025-08-29",
"evidence_quote": "De buitengewone algemene vergadering van 29 augustus 2025 aanvaardt de benoeming als bestuurder van De heer ZARIOHI Brahim en dit vanaf heden."
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "ZARIOHI Houari",
"address": null,
"birth_date": null
},
"effective_date": "2025-08-29",
"evidence_quote": "De buitengewone algemene vergadering van 29 augustus 2025 aanvaardt het ontslag als bestuurder van De heer ZARIOHI Houari en dit vanaf heden."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0788.528.440",
"name_full": "BF GROUP",
"legal_form": "BV"
}
}31-10-2024 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": 75,
"currency": null,
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2024-10-01",
"evidence_quote": "De heer AL AANI Fadi geeft al zijn aandelen, namelijk 75 aandelen, aan De heer ZARIOHI Houari.",
"contribution_type": null
},
{
"kind": "share_transfer",
"amount": 25,
"currency": null,
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2024-10-01",
"evidence_quote": "De heer HAECK Rayane geeft al zijn aandelen, namelijk 25 aandelen, aan De heer ZARIOHI Houari.",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0788.528.440",
"name_full": "BF GROUP",
"legal_form": "BV"
}
}19-07-2024 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": 25,
"currency": null,
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2024-07-01",
"evidence_quote": "De heer AL AANI Fadi geeft een deel van zijn aandelen, namelijk 25 aandelen, aan De heer HAECK Rayane.",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0788.528.440",
"name_full": "BF GROUP",
"legal_form": "BV"
}
}29-04-2024 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": 50,
"currency": null,
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2023-09-30",
"evidence_quote": "De heer ZARIOHI Brahim geeft al zijn aandelen over, namelijk 50 aandelen, aan De heer AL AANI Fadi.",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0788.528.440",
"name_full": "BF GROUP",
"legal_form": "BV"
}
}15-07-2022 Incorporation of a new BV
Technical details
{
"kind": "oprichting",
"seat": "1930 Zaventem, Imperiastraat 8",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1991-11-14",
"name": "AL AANI Fadi",
"niss": null,
"address": "1090 JETTE, Burgemeester Etienne Demunterlaan 13 bus 04/2"
},
"share_class": "Ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 9000,
"holder_person_name": "AL AANI Fadi",
"is_subscriber_only": true,
"n_shares_subscribed": 50,
"amount_subscribed_eur": 9000,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1983-12-08",
"name": "ZARIOHI Brahim",
"niss": null,
"address": "1080 SINT-JANS-MOLENBEEK, Serenadestraat 9"
},
"share_class": "Ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 9000,
"holder_person_name": "ZARIOHI Brahim",
"is_subscriber_only": true,
"n_shares_subscribed": 50,
"amount_subscribed_eur": 9000,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 18000,
"subject_company": {
"kbo": "0788.528.440",
"name_full": "BF GROUP",
"legal_form": "BV"
},
"initial_directors": [],
"incorporation_date": "2022-07-12",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | BF GROUP |