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BFConsult

Active
Private limited companyfounded 2020active for 6 yearsPlace des Nations-Unies 12, 4020 Liège, BelgiumKBO/BCE: BE 0742.577.659
Summary

The computed 12-month bankruptcy probability of BFConsult is 1.8% (moderate). The 2025 annual accounts show equity of €443,560 and a net result of €107,874. Equity has been growing by about 17% per year since 2020. Its solvency ranks better than 48% of 9,829 sector peers (NACE 46, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 28-01-2020 Normal situation
Activity
Wholesale trade NACE 46214and 5 others
Joint committee
200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2025
Establishment units
2.298.542.682 4020 Liège, since 28-01-2020
2.323.266.497 4000 Liège, since 01-09-2021
Financial year end
31 December
Peppol
Reachable since 24-12-2025

Board and ownership

Board
  • NDINVESTDirector · since 01-04-2025 · permanent representative Nicolas Dubart

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.8%
Annual accounts 2025
Gross margin
€567,643
▼ 24.6%
Turnover
≈ €2.9m
estimated
Profit
€107,874
▼ 63.8%
Equity
€443,560
▲ 32.1%
Total assets
€1.1m
▼ 9.4%
Staff
8 FTE
▲ 15.9%
  • 2025 accounts filed 61 days after the deadline
Net result -64%: other schema
Filed on 30-09-2026
Score breakdownraises riskLast filed accounts filed 61 days late; 1 of the last 3 accounts lateFounded in 2020Liquidity: current ratio 1.49, cash €46,018, halvedlowers riskProfit of €107,874 (financial year 2025)Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 61% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Strong
Solvency 66+13
equity 40.7% of total assets
Liquidity 40-7
short-term debt 34.3% · cash 4.2%
Profitability 81-19
return on assets 9.9%
Bankruptcy probability within 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 0.2% 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.3%▲ +0.1 percentage points vs 05-2025 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025 08-2025: 0.2%▼ -0.2 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025lowest value 10-2025: 0.2%● unchanged vs 09-2025lowest value 11-2025: 0.2%● unchanged vs 10-2025lowest value 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.3%▲ +0.1 percentage points vs 06-2026 08-2026: 0.9%▲ +0.6 percentage points vs 07-2026 09-2026: 0.9%● unchanged vs 08-2026 10-2026: 1.8%▲ +0.9 percentage points vs 09-2026highest value 11-2026: 1.8%● unchanged vs 10-2026highest value
Credit of up to €24,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.49 (1.13 in 2024), below the usual 1.5. Short-term debt is 34.3% and cash 4.2% of total assets. 59.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 49% of them on solvency, 38% on liquidity, 74% on profitability and 82% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Last filed accounts filed 61 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Founded in 2020
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Profit of €107,874 (financial year 2025)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.49, cash €46,018, halved
NBB · annual accounts
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filings
Deviation from the deadline
2025
61 days late
2024
15 days early
2023
15 days early
2022
20 days early
2021
16 days early
2020
12 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 3 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Result fell in 2025different schema filed ▼ 63.8% View
  • Positive: 6 profitable years in a rowprofit 2025: €107,874 6 years View

Recent changes

  1. · Gazette deed Resignation: Nicolas Dubart (director)Appointment: NDINVEST (director) · Permanent representative: Nicolas Dubart
  2. · Gazette deed Incorporation
All 11 events

Comparable companies

These companies have the same main activity as BFConsult: wholesale trade (NACE 46214). They are comparable in size and age: total assets between €609,000 and €2.9m, founded between 2013 and 2020.

CompanyTotal assetsGross margin
BFConsult Liège€1.1m€0.6m
LES FERMES DE CHEZ NOUS La Bruyère€0.6m€0.4m
BADOT AGRO Thuin€2.1m€1.2m
ALLNUTS Herk-de-Stad€2.0m€1.0m
DE PAEPE AGRO Lokeren€1.0m€0.2m
Vanoverschelde Fourages Zonnebeke€1.3m€0.4m
BRYE PLANTS Fleurus€2.9m€0.2m
Full comparison

Key facts about BFConsult

What is the company number of BFConsult?
The company number of BFConsult is 0742.577.659. The VAT number is the same number with BE in front: BE 0742.577.659.
Where is BFConsult based?
The registered office is at Place des Nations-Unies 12, 4020 Liège.Company details
What does BFConsult do?
According to the KBO register, the main activity is wholesale trade (NACE 46214).
What is the legal form of BFConsult?
The legal form of BFConsult is Private limited company (BV).
When was BFConsult founded?
BFConsult was founded on 28-01-2020.
Is BFConsult still active?
Yes, BFConsult is an active enterprise in the KBO register.
How many employees does BFConsult have?
BFConsult had an average of 8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does BFConsult fall under?
In its 2025 annual accounts, BFConsult states joint committee 200 (Aanvullend Paritair Comité voor de bedienden).
What is the turnover of BFConsult?
The turnover in financial year 2025 is ≈ €2.9m. This figure is estimated from the gross margin of €567,643 and 141 comparable companies (NACE 46). It probably lies between €1.9m and €4.9m.
Is BFConsult profitable?
In financial year 2025, BFConsult made a profit of €107,874.
Where can I find the annual accounts of BFConsult?
BFConsult filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BFConsult due?
BFConsult must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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