BFConsult
ActiveThe computed 12-month bankruptcy probability of BFConsult is 1.7% (moderate). The 2025 annual accounts show equity of €444k and a net result of €108k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 46% of 7931 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-19
Solvency66▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.13 in 2024; short-term debt: 34.3% and cash: 4.2% of total assets), and 59.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
40.7%
Return on assets
9.9%
Age of the figures
9 mo
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 →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
7 d early
2024
15 d early
2023
15 d early
2022
20 d early
2021
16 d early
2020
12 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€444k▲ 32.1%
2024 · €336k
2020: €35k
2021: €221k
2022: €336k
2023: €336k
2024: €336k
2020 → 2025
Total assets
€1.09M▼ 9.4%
2024 · €1.20M
2020: €229k
2021: €376k
2022: €735k
2023: €1.03M
2024: €1.20M
2020 → 2025
Net result
€108k▼ 63.8%
2024 · €298k
2020: €31k
2021: €187k
2022: €114k
2023: €203k
2024: €298k
2020 → 2025
Working capital
€181k▲ 139%
2024 · €76k
2020: €16k
2021: €195k
2022: €165k
2023: €104k
2024: €76k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€221k-€336k▲ 51.7%€336k=€336k=€444k▲ 32.1%
Operating result€261k-€157k▼ 39.9%€269k▲ 71.3%€367k▲ 36.3%€153k▼ 58.2%
Net result€187k-€114k▼ 38.8%€203k▲ 77.5%€298k▲ 46.6%€108k▼ 63.8%
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 falls in 2025; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€534k▼ 2.2%
Current assets
€554k▼ 15.4%
Equity and liabilities €1.09M
Equity
€444k▲ 32.1%
Debt
€645k▼ 25.5%
The debt ratio falls from 72.1% to 59.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€173k▼
2024 · €390k
Cash flow
€127k▼
2024 · €320k
Solvency
40.7%▲
2024 · 27.9%
Current ratio
1.49▲
2024 · 1.13
Quick ratio
1.46▲
2024 · 1.13
Debt / equity
1.45▼
2024 · 2.58
ROE
24.3%▼
2024 · 88.7%
ROA
9.9%▼
2024 · 24.8%
Interest coverage
10.75▼
2024 · 32.31
Debt
€645k▼
2024 · €866k
Debt ≤ 1 year
€373k▼
2024 · €580k
Debt > 1 year
€272k▼
2024 · €285k
Income taxes
€29k▼
2024 · €58k
Staff costs
€393k▲
2024 · €362k
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€1.20M€1.09M▼
Formation expenses20€78-
Fixed assets21/28€546k€534k▼
Intangible fixed assets21€36k€24k▼
Tangible fixed assets22/27€509k€509k=
Land and buildings22€482k€486k▲
Plant, machinery and equipment23€2k€570▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€20k€19k▼
Financial fixed assets28€1k€1k=
Current assets29/58€655k€554k▼
Stocks and contracts in progress3€1k€8k▲
Stocks30/36€1k€8k▲
Amounts receivable within one year40/41€437k€491k▲
Trade receivables40€385k€396k▲
Other amounts receivable41€52k€95k▲
Cash at bank and in hand54/58€205k€46k▼
Deferred charges and accrued income490/1€12k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.09M▼
Equity10/15€336k€444k▲
Contributions10/11€4k€4k=
Reserves13€332k€440k▲
Distributable reserves133€332k€440k▲
Amounts payable17/49€866k€645k▼
Amounts payable after more than one year17€285k€272k▼
Financial debts170/4€285k€272k▼
Amounts payable within one year42/48€580k€373k▼
Current portion of amounts payable after more than one year42€26k€30k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€116k€87k▼
Suppliers440/4€116k€87k▼
Advances received on contracts in progress46€34k-
Taxes, remuneration and social security45€81k€86k▲
Taxes450/3€301€10k▲
Remuneration and social security454/9€80k€76k▼
Other amounts payable47/48€323k€170k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€362k€393k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€19k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€753k€568k▼
Operating profit (loss)9901€367k€153k▼
Financial income75/76B€566-
Recurring financial income75€566-
Financial charges65/66B€12k€16k▲
Recurring financial charges65€12k€16k▲
Profit (loss) for the period before taxes9903€355k€137k▼
Income taxes67/77€58k€29k▼
Profit (loss) for the period9904€298k€108k▼
Profit (loss) for the period to be appropriated9905€298k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€298k€108k▼
Transfer to equity691/2-€108k
To other reserves6921-€108k
Profit to be distributed694/7€298k-
Return on contributions (dividend)694€298k-
Social balance
Average headcount (FTE)9087-8.0
The notes to these accounts (18 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €298k ▲46.6%
Operating result €367k, net result €298k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 2.26
Current ratio from 1.08 to 2.26; short-term debt falls from €194k to €155k.
31-12
Financial
Equity above €200kEq €221k ▲541%
2 profitable years in a row build equity to €221k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 2 establishment units since 2020
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.
Place des Nations-Unies 124020 LiègeGround area
7,030 m²
Building footprint
138 m²
Volume, LiDAR
2,277 m³
2 parcels, Wallonia · tallest building 18.4 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
BFConsult
since 20202.298.542.682
BFConsult
since 20212.323.266.497
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0453/00C000 | Wallonia | 6,881 m² | - | - |
| 62806C0654/00X007 | Wallonia | 149 m² | 1 · 138 m² | 18.4 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BADOT AGRO
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GILLET FOURRAGES
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Of 77 companies in sector 46214 we hold annual accounts for 35. 20 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2020
Fiscal year end31-12
Activities, NACEBEL
46214Wholesale trade
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
47761Retail sale of flowers, plants, seeds and fertilisers
47789Other retail sale of new goods
70200Business and other management consultancy
70220Business consulting
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.