BFCLOUD
ActiveBFCLOUD has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €809k and a net result of €63k. Equity is growing by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 7683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
68
/ 100
Healthy▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-47
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 8.07 against 5.68 in 2024), and 7.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
92.1%
Return on assets
7.1%
Age of the figures
8 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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
21 d early
2023
19 d late
2022
31 d late
2021
30 d late
2020
38 d early
2019
59 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€809k▲ 1.6%
2024 · €797k
2018: €227k
2019: €282k
2020: €350k
2021: €449k
2022: €564k
2023: €710k
2024: €797k
2018 → 2025
Total assets
€879k▼ 2.6%
2024 · €902k
2018: €422k
2019: €534k
2020: €563k
2021: €699k
2022: €801k
2023: €892k
2024: €902k
2018 → 2025
Net result
€63k▼ 54.0%
2024 · €137k
2018: €20k
2019: €72k
2020: €80k
2021: €129k
2022: €144k
2023: €196k
2024: €137k
2018 → 2025
Working capital
€493k▼ 0.4%
2024 · €495k
2018: €79k
2019: €140k
2020: €185k
2021: €300k
2022: €351k
2023: €438k
2024: €495k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€449k-€564k▲ 25.4%€710k▲ 26.0%€797k▲ 12.2%€809k▲ 1.6%
Operating result€173k-€202k▲ 16.9%€253k▲ 25.1%€173k▼ 31.6%€85k▼ 50.8%
Net result€129k-€144k▲ 11.6%€196k▲ 36.9%€137k▼ 30.5%€63k▼ 54.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 51% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €879k
Fixed assets
€316k▲ 4.9%
Current assets
€563k▼ 6.4%
Equity and liabilities €879k
Equity
€809k▲ 1.6%
Debt
€70k▼ 34.1%
The debt ratio falls from 11.7% to 7.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€93k▼
2024 · €184k
Cash flow
€70k▼
2024 · €148k
Solvency
92.1%▲
2024 · 88.3%
Current ratio
8.07▲
2024 · 5.68
Quick ratio
8.07▲
2024 · 5.68
Debt / equity
0.09▼
2024 · 0.13
ROE
7.8%▼
2024 · 17.1%
ROA
7.1%▼
2024 · 15.1%
Interest coverage
-327.31▼
2024 · -301.13
Debt
€70k▼
2024 · €106k
Debt ≤ 1 year
€70k▼
2024 · €106k
Income taxes
€25k▼
2024 · €39k
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€902k€879k▼
Fixed assets21/28€301k€316k▲
Tangible fixed assets22/27€116k€109k▼
Land and buildings22€115k€108k▼
Furniture and vehicles24€1k€385▼
Financial fixed assets28€185k€208k▲
Current assets29/58€601k€563k▼
Amounts receivable within one year40/41€284k€68k▼
Trade receivables40€282k€49k▼
Other amounts receivable41€2k€19k▲
Current investments50/53€122k€363k▲
Cash at bank and in hand54/58€194k€125k▼
Deferred charges and accrued income490/1€618€6k▲
Equity and liabilities
Total equity and liabilities10/49€902k€879k▼
Equity10/15€797k€809k▲
Contributions10/11€20k€20k=
Reserves13€205k€268k▲
Tax-exempt reserves132€25k€25k=
Distributable reserves133€180k€243k▲
Profit (loss) carried forward14€571k€521k▼
Amounts payable17/49€106k€70k▼
Amounts payable within one year42/48€106k€70k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€30k€13k▼
Suppliers440/4€30k€13k▼
Taxes, remuneration and social security45€25k€6k▼
Taxes450/3€25k€6k▼
Other amounts payable47/48€51k€50k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€8k▼
Other operating charges640/8€566€51k▲
Gross operating margin9900€185k€144k▼
Operating profit (loss)9901€173k€85k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€-612€-283▲
Recurring financial charges65€-612€-283▲
Profit (loss) for the period before taxes9903€175k€88k▼
Income taxes67/77€39k€25k▼
Profit (loss) for the period9904€137k€63k▼
Profit (loss) for the period to be appropriated9905€137k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€621k€633k▲
Profit (loss) brought forward from the previous period14P€484k€571k▲
Transfer to equity691/2-€63k
To other reserves6921-€63k
Profit to be distributed694/7€50k€50k=
Return on contributions (dividend)694€50k€50k=
The notes to these accounts (10 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2018net €196k ▲36.9%
Operating result €253k, net result €196k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €500kEq €564k ▲25.4%
5 profitable years in a row build equity to €564k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Brussel · 1 establishment unit since 2014
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.
Kindermansstraat 181000 BrusselGround area
826 m²
Building footprint
268 m²
Volume, LiDAR
5,027 m³
Parcel 21807G0167/00E002, Brussels · tallest building 21.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
BFCLOUD
since 20142.252.236.763
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0167/00E002 | Brussels | 826 m² | 1 · 268 m² | 21.9 m · 6 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
NAESSENS PATRICK
BE 0433.116.282
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CP Trade & Invest
BE 1003.751.644
Sint-Niklaas · Eq €808k
Phivee-Invest
BE 0846.816.829
Middelkerke · Eq €810k
SCRAPLINE RENT
BE 0476.892.283
Kuurne · Eq €808k
ASTARCO
BE 0892.593.208
Sint-Joost-ten-Node · Eq €806k
Of 24,420 companies in sector 82990 we hold annual accounts for 9,359. 4,947 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2014
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
62020IT consultancy
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.