BFOperating
ActiveBFOperating has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
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
Profitability74▼-1
Solvency36▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.43 against 0.25 in 2024; short-term debt: 37.2% and cash: 6.4% of total assets), and 89.4% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
10.6%
Return on assets
4.3%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €19k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
15 d early
2023
48 d late
2022
31 d late
2021
4 d early
2020
5 d late
2019
90 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 68.0%
2024 · €11k
2018: €5k
2019: €4k
2020: €1k
2021: €2k
2022: €-2k
2023: €2k
2024: €11k
2018 → 2025
Total assets
€181k▲ 0.1%
2024 · €181k
2018: €5k
2019: €4k
2020: €200k
2021: €194k
2022: €194k
2023: €183k
2024: €181k
2018 → 2025
Net result
€8k▼ 14.7%
2024 · €9k
2018: €-1k
2019: €-892
2020: €-3k
2021: €1k
2022: €-5k
2023: €-5k
2024: €9k
2018 → 2025
Working capital
€-38k▲ 17.3%
2024 · €-46k
2018: €5k
2020: €-57k
2021: €-55k
2022: €-61k
2023: €-48k
2024: €-46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€-2k€2k€11k▲ 392%€19k▲ 68.0%
Operating result€4k-€-2k€-3k▼ 30.5%€11k€11k▼ 1.9%
Net result€1k-€-5k€-5k▼ 8.5%€9k€8k▼ 14.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181k
Fixed assets
€152k▼ 7.9%
Current assets
€29k▲ 83.1%
Equity and liabilities €181k
Equity
€19k▲ 68.0%
Debt
€162k▼ 4.5%
The debt ratio falls from 93.7% to 89.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €24k
Cash flow
€21k▼
2024 · €22k
Solvency
10.6%▲
2024 · 6.3%
Current ratio
0.43▲
2024 · 0.25
Quick ratio
0.43▲
2024 · 0.25
Debt / equity
8.40▼
2024 · 14.77
ROE
40.5%▼
2024 · 79.7%
ROA
4.3%▼
2024 · 5.1%
Interest coverage
11.24▼
2024 · 11.42
Debt
€162k▼
2024 · €169k
Debt ≤ 1 year
€67k▲
2024 · €62k
Debt > 1 year
€94k▼
2024 · €107k
Income taxes
€1k
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€181k€181k▲
Fixed assets21/28€165k€152k▼
Tangible fixed assets22/27€165k€152k▼
Land and buildings22€165k€152k▼
Current assets29/58€16k€29k▲
Amounts receivable within one year40/41€10k€17k▲
Trade receivables40€10k€17k▲
Cash at bank and in hand54/58€6k€12k▲
Equity and liabilities
Total equity and liabilities10/49€181k€181k▲
Equity10/15€11k€19k▲
Contributions10/11€16k€16k=
Profit (loss) carried forward14€-5k€3k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Major repairs and maintenance162€0-
Amounts payable17/49€169k€162k▼
Amounts payable after more than one year17€107k€94k▼
Financial debts170/4€107k€94k▼
Amounts payable within one year42/48€62k€67k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€2k€28▼
Suppliers440/4€2k€28▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€46k€50k▲
Income statement
Code20242025
Non-recurring operating income76A€8k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€3k€3k▲
Gross operating margin9900€28k€28k▼
Operating profit (loss)9901€11k€11k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€9k€9k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€9k€8k▼
Profit (loss) for the period to be appropriated9905€9k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€3k▲
Profit (loss) brought forward from the previous period14P€-14k€-5k▲
The notes to these accounts (15 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
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, Ath · 1 establishment unit since 2018
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.
Rue Defacqz 177800 AthGround area
2,929 m²
Building footprint
327 m²
Volume, LiDAR
4,002 m³
2 parcels, Wallonia · tallest building 16.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Plein 1, 7880 Flobecq
since 20182.278.731.621
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51004B0807/00B099 | Wallonia | 2,856 m² | 1 · 254 m² | 16.1 m · 3 fl. |
| 51019C1364/00A000indicative | Wallonia | 73 m² | 1 · 73 m² | 12.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,122 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2018
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47260Retail trade
47300Retail sale of automotive fuel
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bruno.delepaul@gmail.com
Phone:0472227597