BF Invest
ActiveBF Invest has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298k and a net result of €65k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 1502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+26
Solvency100▲+25
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 28.07 against 2.9 in 2024; short-term debt: 3.5% and cash: 88.9% of total assets), and 3.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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
96.5%
Return on assets
21%
Age of the figures
9 mo
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
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
6 d early
2023
13 d early
2022
6 d early
2021
4 d early
2020
11 d early
2019
8 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€298k▲ 27.8%
2024 · €233k
2018: €140k
2019: €159k
2020: €174k
2021: €154k
2022: €225k
2023: €231k
2024: €233k
2018 → 2025
Total assets
€309k▼ 33.4%
2024 · €463k
2018: €582k
2019: €565k
2020: €574k
2021: €487k
2022: €529k
2023: €510k
2024: €463k
2018 → 2025
Net result
€65k▲ 3,170%
2024 · €2k
2018: €33k
2019: €19k
2020: €16k
2021: €-20k
2022: €71k
2023: €6k
2024: €2k
2018 → 2025
Working capital
€295k▲ 262%
2024 · €82k
2018: €40k
2019: €62k
2020: €41k
2021: €21k
2022: €93k
2023: €73k
2024: €82k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€225k▲ 45.8%€231k▲ 2.6%€233k▲ 0.9%€298k▲ 27.8%
Operating result€-13k-€96k€14k▼ 85.7%€6k▼ 55.7%€100k▲ 1,543%
Net result€-20k-€71k€6k▼ 91.7%€2k▼ 66.2%€65k▲ 3,170%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,543% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €309k
Fixed assets
€3k▼ 99.2%
Current assets
€306k▲ 146%
Equity and liabilities €309k
Equity
€298k▲ 27.8%
Debt
€11k▼ 95.3%
The debt ratio falls from 49.7% to 3.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€102k▲
2024 · €55k
Cash flow
€67k▲
2024 · €51k
Solvency
96.5%▲
2024 · 50.3%
Current ratio
28.07▲
2024 · 2.90
Quick ratio
28.07▲
2024 · 2.90
Debt / equity
0.04▼
2024 · 0.99
ROE
21.8%▲
2024 · 0.9%
ROA
21.0%▲
2024 · 0.4%
Interest coverage
20.31▲
2024 · 11.62
Debt
€11k▼
2024 · €230k
Debt ≤ 1 year
€11k▼
2024 · €43k
Debt > 1 year
€0▼
2024 · €186k
Income taxes
€30k▲
2024 · €546
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€463k€309k▼
Fixed assets21/28€339k€3k▼
Tangible fixed assets22/27€339k€3k▼
Land and buildings22€325k€0▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€10k€0▼
Current assets29/58€124k€306k▲
Amounts receivable within one year40/41€59k€31k▼
Trade receivables40€310€0▼
Other amounts receivable41€58k€31k▼
Cash at bank and in hand54/58€64k€274k▲
Deferred charges and accrued income490/1€1k€148▼
Equity and liabilities
Total equity and liabilities10/49€463k€309k▼
Equity10/15€233k€298k▲
Contributions10/11€19k€19k=
Reserves13€100k€164k▲
Distributable reserves133€100k€164k▲
Profit (loss) carried forward14€115k€115k=
Amounts payable17/49€230k€11k▼
Amounts payable after more than one year17€186k€0▼
Financial debts170/4€186k€0▼
Amounts payable within one year42/48€43k€11k▼
Current portion of amounts payable after more than one year42€31k€0▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€4k€3k▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0€111k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€2k▼
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A-€288
Gross operating margin9900€60k€106k▲
Operating profit (loss)9901€6k€100k▲
Financial income75/76B€1k€520▼
Recurring financial income75€1k€520▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€3k€95k▲
Income taxes67/77€546€30k▲
Profit (loss) for the period9904€2k€65k▲
Profit (loss) for the period to be appropriated9905€2k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€117k€180k▲
Profit (loss) brought forward from the previous period14P€115k€115k=
Transfer to equity691/2€2k€65k▲
To other reserves6921€2k€65k▲
The notes to these accounts (8 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
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 10current ratio 28.07
Current ratio from 2.90 to 28.07; short-term debt falls from €43k to €11k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
31-12
Financial
Equity above €200kEq €225k ▲45.8%
Equity rises from €154k to €225k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-20k ▼228%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150kEq €159k ▲13.7%
2 profitable years in a row build equity to €159k.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leopoldsburg · 1 establishment unit since 2012
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.
Vaartstraat 103970 LeopoldsburgGround area
4,410 m²
Building footprint
526 m²
Volume, LiDAR
3,525 m³
Parcel 71034A4341/00A000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BF Invest
since 20122.212.488.341
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71034A4341/00A000 | Flanders | 4,410 m² | 1 · 526 m² | 9.6 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.
Similar companies · same sector, comparable size
DE VOS VERVOER
BE 0862.631.985
Boom · Eq €299k
HD Technics
BE 0892.032.982
Brasschaat · Eq €302k
Immo Nathalie Meysmans
BE 0841.868.938
Erezée · Eq €293k
VOS RENTING
BE 0833.821.205
Laakdal · Eq €288k
Lebbe Renting
BE 0669.811.922
Moorslede · Eq €310k
Of 361 companies in sector 77120 we hold annual accounts for 233. 163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2012
Fiscal year end31-12
Activities, NACEBEL
77120Rental and leasing activities
29201Manufacture of motor vehicles, trailers and semi-trailers
29202Manufacture of motor vehicles, trailers and semi-trailers
77223Rental and leasing activities
77392Rental and leasing activities
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.