BF&V
ActiveSummary
The computed 12-month bankruptcy probability of BF&V is 2.2% (moderate). The 2025 annual accounts show equity of €23k and a net result of €26k. Equity is growing by ~145.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 4522 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency85▲+79
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 0.84 in 2024; short-term debt: 40.3% and cash: 7.7% of total assets), and 40.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← 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
59.7%
Return on assets
68%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
20 d late
2024
61 d late
2023
29 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€23k
2024 · €-1k
Total assets
€39k▲ 405%
2024 · €8k
Net result
€26k▲ 149%
2024 · €11k
Working capital
€9k
2024 · €-1k
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
Line202320242025
Operating result€-16k-€11k€36k▲ 239%
Net result€-16k-€11k€26k▲ 149%
Equity€-12k-€-1k▲ 87.7%€23k
Total assets€3k-€8k▲ 147%€39k▲ 405%
Debt€15k-€9k▼ 39.7%€16k▲ 70.3%
Working capital€-12k-€-1k▲ 87.7%€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 239% above 2024 and is the highest result in the available series.
Balance-sheet composition
Assets €39k
Fixed assets
€14k
Current assets
€24k
Equity and liabilities €39k
Equity
€23k
Debt
€16k
Debt finances 40.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€38k
Cash flow
€28k
Current ratio
1.56▲
2024 · 0.84
Debt to equity
0.67▲
2024 · -6.18
ROE
113.9%
ROA
68.0%▼
2024 · 138.0%
Interest coverage
124.45
Debt ≤ 1 year
€16k▲
2024 · €9k
Income taxes
€10k
Staff costs
€7k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €7k | €1k | €7k | ▲ 544% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €2k | - |
| Other operating charges640/8 | €668 | €586 | €851 | ▲ 45.3% |
| Gross operating margin9900 | €-9k | €12k | €46k | ▲ 270% |
| Operating profit (loss)9901 | €-16k | €11k | €36k | ▲ 239% |
| Financial income75/76B | - | €1 | €315 | ▲ 50,690% |
| Recurring financial income75 | - | €1 | €315 | ▲ 50,690% |
| Financial charges65/66B | €58 | €60 | €301 | ▲ 406% |
| Recurring financial charges65 | €58 | €60 | €301 | ▲ 406% |
| Profit (loss) for the period before taxes9903 | €-16k | €11k | €36k | ▲ 241% |
| Income taxes67/77 | - | - | €10k | - |
| Profit (loss) for the period9904 | €-16k | €11k | €26k | ▲ 149% |
| Profit (loss) for the period to be appropriated9905 | €-16k | €11k | €26k | ▲ 149% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €3k | €8k | €39k | ▲ 405% |
| Fixed assets21/28 | - | - | €14k | - |
| Tangible fixed assets22/27 | - | - | €14k | - |
| Furniture and vehicles24 | - | - | €14k | - |
| Current assets29/58 | €3k | €8k | €24k | ▲ 216% |
| Amounts receivable within one year40/41 | €3k | €7k | €21k | ▲ 220% |
| Trade receivables40 | €2k | €5k | €8k | ▲ 54.1% |
| Other amounts receivable41 | €643 | €1k | €13k | ▲ 998% |
| Cash at bank and in hand54/58 | €490 | €1k | €3k | ▲ 192% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €3k | €8k | €39k | ▲ 405% |
| Equity10/15 | €-12k | €-1k | €23k | ▲ 1,661% |
| Contributions10/11 | €4k | €4k | €4k | = |
| Profit (loss) carried forward14 | €-16k | €-5k | €19k | ▲ 448% |
| Amounts payable17/49 | €15k | €9k | €16k | ▲ 70.3% |
| Amounts payable within one year42/48 | €15k | €9k | €16k | ▲ 70.3% |
| Trade debts44 | €4k | €2k | €4k | ▲ 141% |
| Suppliers440/4 | €4k | €2k | €4k | ▲ 141% |
| Advances received on contracts in progress46 | €830 | €830 | - | - |
| Taxes, remuneration and social security45 | €8k | €301 | €11k | ▲ 3,586% |
| Taxes450/3 | €136 | - | €10k | - |
| Remuneration and social security454/9 | €8k | €301 | €790 | ▲ 162% |
| Other amounts payable47/48 | €2k | €6k | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-16k | €11k | €26k | ▲ 149% |
| + Depreciation and write-downs630 | - | - | €2k | - |
| Operating cash flow (approximation) | €-16k | €11k | €28k | ▲ 164% |
| Change in cash | - | €523 | €2k | ▲ 271% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2023net €26k ▲149%
Operating result €36k, net result €26k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 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, Gent · 1 establishment unit since 2022
Ground area
38 m²
Building footprint
38 m²
Volume, LiDAR
285 m³
Parcel 44808H0256/00P000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BF&V
since 20222.337.526.091
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0256/00P000 | Flanders | 38 m² | 1 · 38 m² | 11.1 m · 3 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.
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Of 7,361 companies in sector 81210 we hold annual accounts for 2,731. 2,140 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
Founded04-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
81210General cleaning of buildings
Scores and ratios are computed by Checked and are not a credit decision.