Financials
- Financial year
- 2025
- Turnover
- €2.4m
- Profit
- €56,895
- Solvency
- 37.0%
Turnover▲ 19.6%
Net result
20182025
BFZcycles
ActiveSummary
BFZcycles has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €402,966 and a net result of €56,895. Equity is growing by about 19% per year across the filed financial years. Its solvency ranks better than 50% of 12,713 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Retail sale of bicycles
NACE 47632
10th largest company by total assets in Eghezée, Wholesale and retail trade sector1 site
Size
€2.4mturnover 2025
- Staff
- 3 FTE
- Equity
- €402,966
- Profit
- €56,895
Why 90raises riskSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 1.70, cash €225,688Figures for financial year 2025 (filed 04-08-2026)Equity €402,966 (37.0% of total assets)Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 57% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Strong
Solvency
62-4
equity 37.0% of total assets
Liquidity
55+12
short-term debt 44.2% · cash 20.7%
Profitability
63+5
return on assets 5.2%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.1%
12-2024: 1.1%● unchanged vs 11-2024
01-2025: 1.1%● unchanged vs 12-2024
02-2025: 1.0%▼ -0.1 percentage points vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 0.9%▼ -0.1 percentage points vs 04-2025
06-2025: 1.0%▲ +0.1 percentage points vs 05-2025
07-2025: 1.1%▲ +0.1 percentage points vs 06-2025
08-2025: 1.6%▲ +0.5 percentage points vs 07-2025highest value
09-2025: 0.4%▼ -1.2 percentage points vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.5%▲ +0.1 percentage points vs 05-2026
07-2026: 0.6%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%▼ -0.4 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.7, compared with 1.89 in 2024, above the usual 1.5; short-term debt: 44.2% and cash: 20.7% of total assets), but 63% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 52% on solvency, 60% on liquidity, 44% on profitability and 72% on growth.
The bankruptcy probability was computed on 28-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
29 days late
2023
30 days late
2022
30 days late
2021
31 days late
2020
61 days late
2019
45 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% 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. The company usually files around 30 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · full…
- Annual accounts filedfinancial year 2023 · full…
Key points
By topic
Board & ownership
- Board
- 1 member
- Known shareholders
- 100%
- Bruno LANGENDirector
Timeline
- Events
- 16
- Since
- 2019
- Next accounts
- by 31-07-2027
- 03-10-2023Resignation: Bruno LANGEN (manager)
- 30-08-2023Annual accounts filed
- 31-12-2022Highest result from 2018 to 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of bicyclesNACE 47632
- Founded
- 22-12-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 26
- Annual meeting
- Third Thursday of March at 17:00
- Purpose
- “L’achat,la vente,la location et l’entretien de vélos de quelques types que ce soit…” (deed in French)
Key facts about BFZcycles
- What is the company number of BFZcycles?
- 0668.378.597. In Belgium the VAT number is the company number with BE in front: BE 0668.378.597.
- Where is BFZcycles based?
- The registered office is at Route de Ramillies 5, 5310 Eghezée.Company details
- What does BFZcycles do?
- According to the KBO register, the main activity is retail sale of bicycles (NACE 47632).
- What is the legal form of BFZcycles?
- Private limited company (BV).
- When was BFZcycles founded?
- On 22-12-2016.
- Is BFZcycles still active?
- Yes, BFZcycles is an active enterprise in the KBO register.
- How many employees does BFZcycles have?
- On average 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of BFZcycles?
- €2.4m in financial year 2025, according to the filed annual accounts.
- Is BFZcycles profitable?
- In financial year 2025, BFZcycles made a profit of €56,895.
- Where can I find the annual accounts of BFZcycles?
- BFZcycles filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BFZcycles due?
- By 31-07-2027, for financial year 2026.Timeline
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