bFrame

Active

Private limited companyfounded 20214 yrs activeMarkt 95, 1780 Wemmel, BelgiumKBO/BCE: BE 0778.955.926

Summary

The annual accounts of bFrame for fiscal year 2025 show a net loss of 156% of total assets and of 82% of the equity at the start of that year. The 2025 annual accounts show equity of €949 and a net result of -€4,228. Equity is shrinking by ~50.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 30% of 20890 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

bFrameActiveChecked score 54/100

Risk analysis Report Compare

Activity

Computer programming

NACE 62100NACE 62010

1 site

Size

€2,704total assets 2025

Equity: €949
Loss: -€4,228

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts 3 d early0 of 1 deed read

Why 54Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €4,228, the second in a row (FY 2025)+ Sector Computer programming, consultancy and related activities (NACE 62)+ Size: total assets €2,704+ Liquidity: current ratio 1.54, cash €2,154, halvedShow the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 23% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 60-39

equity 35.1% of total assets

Liquidity 66-28

short-term debt 64.9% · cash 79.7%

Profitability 0=

return on assets -156.4%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,833 companies)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%▲ +2.1% vs 02-2025 04-2025: < 0.1%▲ +2.1% vs 03-2025 05-2025: 0.1%▲ +12.2% vs 04-2025 06-2025: 0.1%▲ +3.6% vs 05-2025 07-2025: 0.1%▲ +15.8% vs 06-2025highest value 08-2025: 0.1%▼ -21.2% vs 07-2025 09-2025: < 0.1%▼ -15.4% vs 08-2025 10-2025: < 0.1%▼ -2.3% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%▲ +2.3% vs 02-2026 04-2026: < 0.1%▲ +4.5% vs 03-2026 05-2026: < 0.1%▲ +6.5% vs 04-2026 06-2026: < 0.1%▲ +2.0% vs 05-2026 07-2026: 0.1%▲ +12.0% vs 06-2026 08-2026: 0.1%▲ +7.1% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
Size: total assets €2,704 lowers the probability for this profile
Liquidity: current ratio 1.54, cash €2,154, halved lowers the probability
Loss of €4,228, the second in a row (FY 2025) raises the probability

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

balance sheet total too small for a liquidity verdict.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 32%, liquidity 49%, profitability 5%, growth against the median 8%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

Size: total assets €2,704

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 1.54, cash €2,154, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Loss of €4,228, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

22232425

2022 to 2025 · latest year -€4,228

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

3 d early

2024

1 d early

2023

2 d early

2022

12 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 29 July (4 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

28-07-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Weakest financial yearnet -€4,228
30-07-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Risk: 3 loss-making years in a rowloss fiscal year 2025 -€4,228 View
Caution: Among the weakest 10% on equitysector median €68,877 · 20,896 companies €949 View
Positive: Always filed on timeaccounts within the deadline every year 4 years View