Turnover
≈ €120,000 estimated
The micro format states no turnover.
BFM Engineering
Overview
Lifetime
2 annual accounts with figures on one time axispeak €57,618 (2024)
€36,127▼ 37.3%
peak €41,328 (2024)
€22,757▼ 44.9%
peak €66,585 (2025)
€66,585▲ 51.9%
€39,188▲ 10.8%
Board1 name since 2023
1 directorFOX MOORE Benjamin Joseph
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €57,618 to €36,127Result from €41,328 to €22,757Registered office moved within Antwerp 24-07Equity from €43,828 to €66,585
Key points
from the 2025 annual accountsLiquidity
2.60 was 2.04 in 2024
Short-term debts rose from €35,378 to €39,188.
Starting capital
€2,500
2025 accounts filed 31 days after the deadline
Checked score
92
Excellent
Financially stronger than 66% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2025: 0.4%
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025
08-2025: 0.9%▲ +0.4 percentage points vs 07-2025
09-2025: 1.0%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 1.0%● unchanged vs 09-2025highest value
11-2025: 0.2%▼ -0.8 percentage points vs 10-2025
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: 0.1%▼ -0.1 percentage points vs 04-2026lowest value
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%▼ -0.1 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 2.60, cash €63,238
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 62, micro). It does better than 55% of them on solvency, 67% on liquidity, 60% on profitability and 80% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as BFM Engineering has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BFM Engineering itself is lower: 0.2% within 12 months. It rests on far more data about BFM Engineering than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for BFM Engineering. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 2.6 (2.04 in 2024), above the usual 1.5. Short-term debt is 37% and cash 59.8% of total assets. 37% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
31 days late
2024
68 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 50 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1003471235
Registered office moved within Antwerp
New registered office: Tabakvest 87 bus 4562, 2000 Antwerpen · Previous registered office: Lange Van Ruusbroecstraat 1 bus 201, 2018 Antwerpen · Gazette deed
Incorporation
Founding capital of €2,500 · Founder: FOX MOORE Benjamin Joseph (sole founder) · Appointment: FOX MOORE Benjamin Joseph (director) · published on 19-12-2023 · Gazette deed
First establishment
Tabakvest 87, Antwerp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BFM Engineering Antwerp | €105,773 | €36,127 | 63.0% | - |
| Buildner Group Genk | €100,908 | €40,093 | 23.4% | - |
| PIXL Grimbergen | €91,987 | €39,039 | 73.9% | - |
| GS CONSULT TELECOM Mons | €87,720 | €35,301 | 45.3% | - |
| 4K PRODUCTIONS Jette | €87,598 | €32,288 | 91.3% | - |
| TECHEOS ENGINEERING Eghezée | €101,252 | €45,963 | 65.9% | - |
| TAKAI Schoten | €70,852 | €32,742 | 66.6% | 0 |
These companies have the same main activity as BFM Engineering: other information technology and computer services (NACE 62900). They are comparable in size and age: total assets between €70,900 and €101,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 15-12-2023Normal situation
- Registered office
- 202 active companies are registered at this address72 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Other information technology and computer servicesNACE 62900and 4 others
- Establishment unit
- 2.353.690.5482000 Antwerp, since 15-12-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 28-12-2025
Annual accounts 2025
- €36,127▼ 37.3%
- €22,757▼ 44.9%
- €66,585▲ 51.9%
- €105,773▲ 33.5%
- Filing
- Filed on 31-08-2026
Insights on BFM Engineering
BFM Engineering has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66,585 and a net result of €22,757.
Its solvency ranks better than 53% of 21,208 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€36,127
▼ 37.3%
€30,600
▼ 42.5%
€22,757
▼ 44.9%
€62,829
▲ 71.0%
63.0%
▲ 7.6 percentage points
2.60
▲ 0.56
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €120,000. Estimated: probably between €92,000 and €160,000.
Balance sheet
balance sheet total €105,773 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
63.0%
Higher than 53% of 21,208 companies in 2025.
2.60
Higher than 53% of 20,571 companies in 2025.
21.5%
Higher than 55% of 20,746 companies in 2025.
BFM Engineering
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
105,773 | 79,206 | |
21/28 |
3,756 | 7,084 | |
22/27 |
3,756 | 7,084 | |
23 |
1,735 | 3,038 | |
24 |
2,020 | 4,046 | |
29/58 |
102,017 | 72,122 | |
40/41 |
37,471 | 9,137 | |
40 |
37,359 | 9,075 | |
41 |
112 | 62 | |
54/58 |
63,238 | 62,985 | |
490/1 |
1,308 | - | |
| Balance sheet: equity and liabilities | |||
10/49 |
105,773 | 79,206 | |
10/15 |
66,585 | 43,828 | |
10/11 |
2,500 | 2,500 | |
13 |
64,085 | 41,328 | |
133 |
64,085 | 41,328 | |
17/49 |
39,188 | 35,378 | |
42/48 |
39,188 | 35,378 | |
44 |
3,047 | 2,772 | |
440/4 |
3,047 | 2,772 | |
45 |
26,025 | 22,925 | |
450/3 |
23,992 | 20,882 | |
454/9 |
2,033 | 2,043 | |
47/48 |
10,116 | 9,680 | |
| Income statement | |||
9900 |
36,127 | 57,618 | |
630 |
3,329 | 2,902 | |
640/8 |
2,198 | 1,502 | |
9901 |
30,600 | 53,215 | |
75/76B |
- | 24 | |
75 |
- | 24 | |
65/66B |
523 | 487 | |
65 |
523 | 487 | |
9903 |
30,077 | 52,752 | |
67/77 |
7,320 | 11,423 | |
9904 |
22,757 | 41,328 | |
9905 |
22,757 | 41,328 | |
| Appropriation of the result | |||
9906 |
22,757 | 41,328 | |
691/2 |
22,757 | 41,328 | |
6921 |
22,757 | 41,328 | |
| Document | |||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00506556.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 33,928 | 56,117 | ||
| 26,085 | 44,230 | ||
| 0 | 9,986 | ||
| 253 | - | ||
| 62,829 | 36,744 | ||
| 63.0% | 55.3% | ||
| 2.60 | 2.04 | ||
| 0.59 | 0.81 | ||
| 34.2% | 94.3% | ||
| 21.5% | 52.2% | ||
| 64.91 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | - | €9,986 |
| €3,329 | €2,902 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on BFM Engineering
The operating result for 2025 is 42% lower than in 2024.
Debt's share of the balance-sheet total falls from 44.7% to 37.0%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 19-12-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 31-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “7. Bepalingen inzake de externe vertegenwoordiging: De vennootschap is verbonden door de handelingen van het bestuursorgaan en van de…”deed of 19-12-2023
Mandates through the years
1 name, the dashed line is todayFOX MOORE Benjamin Joseph
Director
Director
Board
Mandates as a list
- FOX MOORE Benjamin Joseph
- Director, from 15-12-2023 to date
Control
Capital
- Contribution
- €2,500
- Source
- deed of 19-12-2023
Articles of association
deed of 19-12-2023 (in Dutch)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 20:00
Founder
At incorporation
deed of 19-12-2023 ↗
- FOX MOORE Benjamin Joseph sole founder · 100% at incorporation
Network & group
No group
BFM Engineering has no parent and no holdings in its annual accounts. FOX MOORE Benjamin Joseph is the only director. BFM Engineering shares no director with another company.
Timeline
Timeline
6 events since 2023Filings
Establishments
Address
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1003471235
Annual accounts 2024 filed PDFmicro format · 68 days late
Registered office moved within AntwerpNew registered office: Tabakvest 87 bus 4562, 2000 Antwerpen · Previous registered office: Lange Van Ruusbroecstraat 1 bus 201, 2018 Antwerpen1 point ▸
- Registered-office move, Tabakvest 87 bus 4562, 2000 Antwerpen
2023
IncorporationFounding capital of €2,500 · Founder: FOX MOORE Benjamin Joseph (sole founder) · Appointment: FOX MOORE Benjamin Joseph (director) · published on 19-12-20233 points ▸
- Founder, FOX MOORE Benjamin Joseph (sole founder)
- Founding capital, €2,500
- Director appointment, FOX MOORE Benjamin Joseph
- The deed holds 1 more point.
First establishment Tabakvest 87, Antwerp
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 15 December 2023, BFM Engineering was incorporated as a private limited company by one natural person, with a starting capital of €2,500.12 In 2025 the registered office moved to Antwerp.3 FOX MOORE Benjamin Joseph is director of the company, appointed by deed of 19-12-2023.2
Company details
Identity
- Enterprise number
- 1003.471.235
- VAT number
- BE 1003.471.235
- Peppol ID
- 0208:1003471235
- Other Peppol ID
- 9925:BE1003471235
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 15-12-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 20:00deed of 19-12-2023 (in Dutch)
- Peppol
- Reachable since 28-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BFM Engineering in Dutch
- Entity type
- Legal entity
- Name clauseThe company operates under this name according to its articles.
- BFM Engineeringdeed of 19-12-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Lange Van Ruusbroecstraat 1 bus 201, 2018 Antwerpen”deed of 19-12-2023 (in Dutch)
Activities
NACEBEL 202562900
Other information technology and computer services main activity
62100
Computer programming
Codes under NACEBEL 2008
62090
Computer programming, consultancy and related activities main activity
62010
Computer programming, consultancy and related activities
62020
IT consultancy
63110
Computing infrastructure, data processing, hosting and other information service activities
63990
Computing infrastructure, data processing, hosting and other information service activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Analyseren,ontwerpen,programmeren en installeren van gebruiksklare systemen,inclusief automatisatie systemen:ontwikkeling…”deed of 19-12-2023 (in Dutch)
8 activities
- Analyseren,ontwerpen,programmeren en installeren van gebruiksklare systemen,inclusief automatisatie systemen:ontwikkeling productie,levering/samenstelling van documentatie over standaard en speciale programmatuur;
- Het verlenen van advies met betrekking tot informatica programma’s;
- Het verlenen van programmatie en/of consultancy diensten aan andere informatica bedrijven;
- Het verlenen van bijstand bij de toepassing van programma’s;
- De toepassing van elektronische computertechnieken in de industriële bedrijvigheid;
- De ontwikkeling van hooggekwalificeerde softwareproducten en de commercialisatie ervan.
- Verlenen van advies over soorten computers en communicatienetwerken(hardware en hun configuratie en toepassing van bijhorende programmatuur(software):analyseren van behoeften en problemen van gebruiker en het aanbieden van de beste oplossing;
- De activiteiten van systeemintegrators.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Tabakvest 87 registered office 2000 Antwerp | 15-12-2023 | 2.353.690.548 |
1 former office
- Lange Van Ruusbroecstraat 1 bus 201, 2018 Antwerpen until 14-06-2025 · deed of 24-07-2025