BFC BRAND
ActiveThe computed 12-month bankruptcy probability of BFC BRAND is 1.7% (moderate). The 2024 annual accounts show equity of €40k and a net result of €28k. Equity is growing by ~120.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 15870 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+99
Solvency15▲+7
Growth78=
Stability94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.87 against 0.8 in 2023), and 90.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
9.3%
Return on assets
6.6%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-08-2025, 1 day 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
not confirmed
2024
1 d late
2023
22 d late
2022
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€40k▲ 241%
2023 · €12k
2022: €12k
2023: €12k
2022 → 2024
Total assets
€424k▼ 20.5%
2023 · €534k
2022: €288k
2023: €534k
2022 → 2024
Net result
€28k▲ 81,323%
2023 · €34
2022: €-8k
2023: €34
2022 → 2024
Working capital
€-43k▲ 50.2%
2023 · €-86k
2022: €-97k
2023: €-86k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€12k-€12k▲ 0.3%€40k▲ 241%
Operating result€-6k-€6k€33k▲ 473%
Net result€-8k-€34€28k▲ 81,323%
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; 2024 is 473% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €424k
Fixed assets
€143k▼ 22.9%
Current assets
€281k▼ 19.1%
Equity and liabilities €424k
Equity
€40k▲ 241%
Debt
€385k▼ 26.3%
The debt ratio falls from 97.8% to 90.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€88k▲
2023 · €54k
Cash flow
€82k▲
2023 · €49k
Solvency
9.3%▲
2023 · 2.2%
Current ratio
0.87▲
2023 · 0.80
Quick ratio
0.42▲
2023 · 0.34
Debt / equity
9.74▼
2023 · 45.10
ROE
70.7%▲
2023 · 0.3%
ROA
6.6%▲
2023 · 0.0%
Interest coverage
16.02▲
2023 · 9.37
Debt
€385k▼
2023 · €522k
Debt ≤ 1 year
€324k▼
2023 · €433k
Debt > 1 year
€61k▼
2023 · €89k
Staff costs
€75k▲
2023 · €53k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€534k€424k▼
Formation expenses20€635-
Fixed assets21/28€186k€143k▼
Tangible fixed assets22/27€182k€135k▼
Furniture and vehicles24€34k€25k▼
Leasing and similar rights25€112k€81k▼
Other tangible fixed assets26€36k€29k▼
Financial fixed assets28€5k€8k▲
Current assets29/58€347k€281k▼
Stocks and contracts in progress3€198k€144k▼
Stocks30/36€198k€144k▼
Amounts receivable within one year40/41€145k€134k▼
Trade receivables40€112k€123k▲
Other amounts receivable41€33k€11k▼
Cash at bank and in hand54/58€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€534k€424k▼
Equity10/15€12k€40k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-8k€20k▲
Amounts payable17/49€522k€385k▼
Amounts payable after more than one year17€89k€61k▼
Financial debts170/4€89k€61k▼
Amounts payable within one year42/48€433k€324k▼
Current portion of amounts payable after more than one year42€27k€28k▲
Trade debts44€108k€138k▲
Suppliers440/4€108k€138k▲
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€382-
Remuneration and social security454/9€7k€9k▲
Other amounts payable47/48€290k€148k▼
Income statement
Code20232024
Remuneration, social security and pensions62€53k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€54k▲
Other operating charges640/8€436€387▼
Gross operating margin9900€108k€163k▲
Operating profit (loss)9901€6k€33k▲
Financial income75/76B-€15
Recurring financial income75-€15
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€34€28k▲
Profit (loss) for the period9904€34€28k▲
Profit (loss) for the period to be appropriated9905€34€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€20k▲
Profit (loss) brought forward from the previous period14P€-8k€-8k▲
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
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Highest result since 2022net €28k ▲81323%
Operating result €33k, net result €28k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Back to profitnet €34
Net result €34 after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zaventem · 1 establishment unit since 2021
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.
Sint-Stefaansstraat 171932 ZaventemGround area
475 m²
Building footprint
251 m²
Volume, LiDAR
1,820 m³
Parcel 23078A0162/00H000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BFC BRAND
since 20212.322.228.597
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078A0162/00H000 | Flanders | 475 m² | 1 · 251 m² | 12.3 m · 3 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
TERRABIO
BE 0819.244.578
Brussel · Eq €39k
LMDIS
BE 0743.974.360
Marche-en-Famenne · Eq €39k
La Vitrine Locale
BE 0784.342.988
Nivelles · Eq €39k
DELI-GROEP
BE 0451.505.306
Antwerpen · Eq €40k
LA Poppe
BE 0651.878.503
Antwerpen · Eq €39k
Of 1,413 companies in sector 46389 we hold annual accounts for 843. 477 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2021
Fiscal year end31-12
Activities, NACEBEL
46389Wholesale of other food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
46392Non-specialised wholesale
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.