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BFW Consult

Active
Private limited companyfounded 20224 yrs activeClos de Bagnée 3, 4458 Juprelle, BelgiumKBO/BCE: BE 0784.305.772
Summary

BFW Consult has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€87,727) and a net result of -€2,138. Equity is shrinking by ~70.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 8763 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Age of the figures
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
22232425
2022 to 2025 · latest year -€87,727
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filings
Deviation from the deadline
2025
31 d late
2024
25 d late
2023
19 d early
2022
24 d late
← 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 15 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 25 August (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

BFW Consult was incorporated on 31 March 2022 as a Private limited company.1 Total assets fell from EUR 6,952 in 2022 to EUR 1,298 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
-€87,727▼ 2.5%
2024 · -€85,589
Total assets
€1,298▼ 48.0%
2024 · €2,495
Net result
-€2,138▲ 97.2%
2024 · -€75,658
Working capital
-€88,241▼ 1.8%
2024 · -€86,693
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result-€3,444--€8,420▼ 144%-€75,523▼ 797%-€1,985▲ 97.4%
Net result-€3,444below the sector's middle half--€8,486below the sector's middle half▼ 146%-€75,658below the sector's middle half▼ 792%-€2,138below the sector's middle half▲ 97.2%
Equity-€1,444below the sector's middle half--€9,931below the sector's middle half▼ 588%-€85,589below the sector's middle half▼ 762%-€87,727below the sector's middle half▼ 2.5%
Total assets€6,952below the sector's middle half-€77,559below the sector's middle half▲ 1,016%€2,495below the sector's middle half▼ 96.8%€1,298below the sector's middle half▼ 48.0%
Debt€8,396-€87,489▲ 942%€88,084▲ 0.7%€89,025▲ 1.1%
Working capital-€3,931below the sector's middle half--€11,726below the sector's middle half▼ 198%-€86,693below the sector's middle half▼ 639%-€88,241below the sector's middle half▼ 1.8%
Solvency-20.8%below the sector's middle half--12.8%below the sector's middle half▲ 8.0pp
Current ratio0.53below the sector's middle half-0.87below the sector's middle half▲ 0.33
Return on assets (ROA)-49.5%below the sector's middle half--10.9%below the sector's middle half▲ 38.6pp
above within below the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€80,000-€60,000-€40,000-€20,000€0Operating result 2022: -€3,444-€3,444Net result 2022: -€3,444-€3,444Operating result 2023: -€8,420-€8,420Net result 2023: -€8,486-€8,486Operating result 2024: -€75,523-€75,523Net result 2024: -€75,658-€75,658Operating result 2025: -€1,985-€1,985Net result 2025: -€2,138-€2,1382022202320242025-€80,000-€60,000-€40,000-€20,000€0Operating result 2023: -€8,420-€8,420Net result 2023: -€8,486-€8,490Operating result 2024: -€75,523-€75,500Net result 2024: -€75,658-€75,700Operating result 2025: -€1,985-€1,990Net result 2025: -€2,138-€2,140202320242025
The operating result stays negative: a loss of €1,985 in 2025 against €75,523 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1,298
Fixed assets €514 ▼ 53.5%
Current assets €785 ▼ 43.6%
Key figures and ratios
2025 value · change against 2024
EBITDA
-€1,395▲
2024 · -€74,832
Cash flow
-€1,548▲
2024 · -€74,967
Interest coverage
-9.12▲
2024 · -554.31
Debt ≤ 1 year
€89,025▲
2024 · €88,084
Ratios withheld: a balance sheet total of €1,298 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,657 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
8.2% went bankrupt
5.3% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 1.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,657 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet Code20242025
Assets
Total assets20/58€2,495€1,298▼
Fixed assets21/28€1,104€514▼
Tangible fixed assets22/27€1,104€514▼
Plant, machinery and equipment23€294-
Furniture and vehicles24€810€514▼
Current assets29/58€1,391€785▼
Amounts receivable within one year40/41€785€161▼
Trade receivables40€197-
Other amounts receivable41€588€161▼
Cash at bank and in hand54/58€606€624▲
Equity and liabilities
Total equity and liabilities10/49€2,495€1,298▼
Equity10/15-€85,589-€87,727▼
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14-€87,589-€89,727▼
Amounts payable17/49€88,084€89,025▲
Amounts payable within one year42/48€88,084€89,025▲
Trade debts44€943€385▼
Suppliers440/4€943€385▼
Other amounts payable47/48€87,141€88,641▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€691€591▼
Other operating charges640/8€387€0▼
Non-recurring operating charges66A€68,412-
Gross operating margin9900-€6,033-€1,395▲
Operating profit (loss)9901-€75,523-€1,985▲
Financial charges65/66B€135€153▲
Recurring financial charges65€135€153▲
Profit (loss) for the period before taxes9903-€75,658-€2,138▲
Profit (loss) for the period9904-€75,658-€2,138▲
Profit (loss) for the period to be appropriated9905-€75,658-€2,138▲
Appropriation of the result
Profit (loss) to be appropriated9906-€87,589-€89,727▼
Profit (loss) brought forward from the previous period14P-€11,931-€87,589▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€179€691€691€591▼ 14.6%
Other operating charges640/8€348€384€387€0▼ 100%
Non-recurring operating charges66A--€68,412--
Gross operating margin9900-€2,917-€7,345-€6,033-€1,395▲ 76.9%
Operating profit (loss)9901-€3,444-€8,420-€75,523-€1,985▲ 97.4%
Financial charges65/66B-€66€135€153▲ 13.3%
Recurring financial charges65-€66€135€153▲ 13.3%
Profit (loss) for the period before taxes9903-€3,444-€8,486-€75,658-€2,138▲ 97.2%
Profit (loss) for the period9904-€3,444-€8,486-€75,658-€2,138▲ 97.2%
Profit (loss) for the period to be appropriated9905-€3,444-€8,486-€75,658-€2,138▲ 97.2%
Line2022202320242025Change
Assets
Total assets20/58€6,952€77,559€2,495€1,298▼ 48.0%
Fixed assets21/28€2,486€1,795€1,104€514▼ 53.5%
Tangible fixed assets22/27€2,486€1,795€1,104€514▼ 53.5%
Plant, machinery and equipment23€1,084€689€294--
Furniture and vehicles24€1,402€1,106€810€514▼ 36.6%
Current assets29/58€4,465€75,763€1,391€785▼ 43.6%
Stocks and contracts in progress3-€68,412---
Stocks30/36-€68,412---
Amounts receivable within one year40/41€4,440€5,045€785€161▼ 79.5%
Trade receivables40€3,750-€197--
Other amounts receivable41€690€5,045€588€161▼ 72.6%
Cash at bank and in hand54/58€25€2,306€606€624▲ 3.0%
Equity and liabilities
Total equity and liabilities10/49€6,952€77,559€2,495€1,298▼ 48.0%
Equity10/15-€1,444-€9,931-€85,589-€87,727▼ 2.5%
Contributions10/11€2,000€2,000€2,000€2,000=
Profit (loss) carried forward14-€3,444-€11,931-€87,589-€89,727▼ 2.4%
Amounts payable17/49€8,396€87,489€88,084€89,025▲ 1.1%
Amounts payable within one year42/48€8,396€87,489€88,084€89,025▲ 1.1%
Trade debts44-€384€943€385▼ 59.2%
Suppliers440/4-€384€943€385▼ 59.2%
Other amounts payable47/48€8,396€87,105€87,141€88,641▲ 1.7%
Line2022202320242025Change
Profit (loss) for the period9904-€3,444-€8,486-€75,658-€2,138▲ 97.2%
+ Depreciation and write-downs630€179€691€691€591▼ 14.6%
Operating cash flow (approximation)-€3,265-€7,795-€74,967-€1,548▲ 97.9%
Investment in fixed assets (approximation)-€0€0€0-
Change in cash-€2,281-€1,701€18▲ 101%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial Weakest financial yearnet -€75,658
Net result drops to -€75,658, the lowest in the series; recovery starts the following year.
12-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Juprelle · 1 establishment unit since 2022
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.

Clos de Bagnée 34458 Juprelle
1 establishment unit
BFW Consult
Clos de Bagnée 3, 4458 JuprelleBusiness consulting
since 20222.332.080.037

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded31-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
86951Physiotherapy
E-invoicing
Reachable via Peppol
Peppol ID 0208:0784305772
Also 9925:BE0784305772
Registered 25-02-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.