Skip to content
Checked.be
Complete company report
Generated 17-08-2026
Active BE 0445.117.459General partnership

BO FINANCE

De Broekbeemden 49 ·2400 Mol, Belgium· 34 yrs active
Sector: Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of BO FINANCE is 0.1% (very low). The 2020 annual accounts show equity of €1.08M and a net result of €179k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 50% of 1437 sector peers (fiscal year 2020). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €1.08M
Net result €179k
Better than sector 50%
Active 34 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health88Profitability83Solvency83Growth78Stability100
86 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 88
Profitability 83
Solvency 83
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1991, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2020 · computed
88 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2020. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 27-04-2021 with the NBB · fiscal year 2020 · micro
€-200k€0€200k€400kOperating result 2018: €35k€35kNet result 2018: €-57k€-57kOperating result 2019: €-14k€-14kNet result 2019: €-79k€-79kOperating result 2020: €323k€323kNet result 2020: €179k€179k201820192020
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~14%/year over 3 fiscal years, indicative, assuming unchanged policy.
€800k€1.00M€1.20M€1.40M€1.60M2021: €1.19M (€1.11M - €1.28M)2022: €1.31M (€1.23M - €1.40M)2023: €1.43M (€1.34M - €1.52M)2018: €842k2019: €819k2020: €1.08M201820192020202120222023
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2020 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 50.4% 50.3%
better than 50% of 1437 sector peers
Net result €258k €12k
better than 95% of 1437 sector peers
Equity €1.08M €63k
better than 95% of 1440 sector peers
Gross operating margin €368k €31k
better than 95% of 1435 sector peers
Total assets €2.14M €169k
better than 95% of 1439 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€363k
+1431.9% 18-20
Net profit
€179k
- 18-20
Cash flow
€219k
- 18-20
Total assets
€2.14M
+9.3% 18-20
Equity
€1.08M
+31.5% 18-20
Working capital
€142k
- 18-20
Income taxes
€37k
+6601.3% 18-20
Debt
€1.06M
-6.7% 18-20
Show 8 other metrics
Debt ≤ 1y
€634k
-3.8% 18-20
Debt > 1y
€427k
-10.7% 18-20
Current ratio
1.22
+33.3% 18-20
Quick ratio
1.22
+33.3% 18-20
Solvency
50.4%
+20.3% 18-20
Debt / equity
0.40
-32.1% 18-20
ROE
16.6%
- 18-20
ROA
8.4%
- 18-20
Figures by fiscal year
Fiscal year2020
Depositmicro
Revenue-
EBITDA€363k
Net profit€179k
Cash flow€219k
Staff costs-
Income taxes€37k
Dividends-
Total assets€2.14M
Equity€1.08M
Debt€1.06M
of which ≤ 1y€634k
of which > 1y€427k
Working capital€142k
Employees (FTE)-
Ratios (computed)
2020
Current ratio1.22
Quick ratio1.22
Working capital ratio6.6%
Solvency50.4%
Debt / equity0.40
Long-term debt ratio0.40
Interest coverage-
Gross margin-
Net margin-
ROA8.4%
ROE16.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2020
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2020
Balance sheet, Assets
TOTAL ASSETS 20/58€2.14M
Fixed assets 21/28€1.36M
Tangible fixed assets 22/27€927k
Financial fixed assets 28€435k
Current assets 29/58€776k
Amounts receivable within one year 40/41€773k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.14M
Equity 10/15€1.08M
Contributions / capital 10/11€248k
Reserves 13€438k
Accumulated profits (losses) 14€4k
Amounts payable 17/49€1.06M
Amounts payable after one year 17€427k
Amounts payable within one year 42/48€634k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€368k
Operating result 9901€323k
Financial income 75€10k
Financial charges 65€38k
Result before taxes 9903€295k
Income taxes 67/77€37k
Net result for the period 9904€258k
Result to be appropriated 9905€258k
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form General partnership(011)
Incorporation16-09-1991
StatusActive
Postal code2400
Establishment units 1 location
BO FINANCE
De Broekbeemden 49, 2400 MolManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 19912.054.388.239
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13432B1512/00F000 Flanders 1,790 m² 1 · 205 m² 7.6 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 14 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
09-07-2024
State Gazette act Miscellaneous
completed · Ann-Sophie Van Roosbroeck
27-06-2024
State Gazette act Miscellaneous
proposal · Ann-Sophie Van Roosbroeck
07-05-2024
State Gazette act Miscellaneous
proposal · Ann-Sophie Van Roosbroeck
07-05-2024
State Gazette act Miscellaneous
proposal · Ann-Sophie Van Roosbroeck
2021
27-04-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
28-04-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-04-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
27-04-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
28-04-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2015
22-09-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2014
30-09-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
2013
23-08-2013
NBB filing Annual accounts filed
fiscal year 2012 · verkort
2012
07-06-2012
NBB filing Annual accounts filed
fiscal year 2011 · verkort
2011
05-07-2011
NBB filing Annual accounts filed
fiscal year 2010 · verkort
Belgian State Gazette reading coverage 0 of 12 acts read

We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 4 acts
All acts · 4 updated 2 years ago
2024
09-07-2024 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Ann-Sophie Van Roosbroeck
Summary: completedNotary: Ann-Sophie Van Roosbroeck · Mol
Technical details 
{
  "stage": "completed",
  "notary": {
    "name": "Ann-Sophie Van Roosbroeck",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Mol",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-07-09",
    "filing_date": "2024-06-28",
    "act_kind_objet": "Fusie"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2024-06-18",
    "unanimous": null
  },
  "conversion": null,
  "detected_kind": "merger_absorption",
  "report_waiver": null,
  "restructuring": {
    "parties": [
      {
        "kbo": "0445.117.459",
        "name": "BO FINANCE",
        "role": "acquiring",
        "address": "De Broekbeemden 49 2400 Mol",
        "is_foreign": false,
        "legal_form": "Vennootschap onder firma",
        "is_new_company": false,
        "jurisdiction_country": null
      },
      {
        "kbo": null,
        "name": "SWELLS",
        "role": "absorbed",
        "address": null,
        "is_foreign": false,
        "legal_form": "besloten vennootschap",
        "is_new_company": false,
        "jurisdiction_country": null
      }
    ],
    "exchange_ratio": null,
    "legal_articles": [
      "12:7",
      "12:48"
    ],
    "is_cross_border": false,
    "is_silent_merger": true,
    "balance_basis_date": null,
    "exchange_ratio_text": null,
    "new_shares_issued_n": 0,
    "real_estate_included": false,
    "patrimony_description": "Het gehele vermogen van de besloten vennootschap SWELLS, zowel de rechten als de verplichtingen, gaat over op de vennootschap onder firma BO FINANCE.",
    "equity_transferred_eur": null,
    "accounting_effective_date": "2024-01-01"
  },
  "subject_company": {
    "kbo": "0445.117.459",
    "name_full": "BO FINANCE",
    "legal_form": "Vennootschap onder firma"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Ann-Sophie Van Roosbroeck",
    "org_rep_person_name": null
  },
  "summary_narrative": "De aandeelhouders van BO FINANCE hebben een buitengewone algemene vergadering gehouden om een fusie door overneming te besluiten. Het gehele vermogen van de besloten vennootschap SWELLS wordt overgedragen aan BO FINANCE. De fusie is boekhoudkundig effectief vanaf 1 januari 2024 en er worden geen nieuwe aandelen uitgegeven.",
  "co_filed_documents": [
    "het afschrift van de akte",
    "de co\u00F6rdinatie van de statuten"
  ],
  "detected_real_type": "fusion_completed",
  "referenced_correction": null,
  "should_reroute_to_category": null
}
27-06-2024 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Ann-Sophie Van Roosbroeck
Summary: proposalNotary: Ann-Sophie Van Roosbroeck · Mol
Technical details 
{
  "stage": "proposal",
  "notary": {
    "name": "Ann-Sophie Van Roosbroeck",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Mol",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-06-27",
    "filing_date": "2024-04-24",
    "act_kind_objet": "Fusievoorstel"
  },
  "decision": {
    "body": null,
    "act_date": "2024-04-16",
    "unanimous": null
  },
  "conversion": null,
  "detected_kind": "merger_absorption",
  "report_waiver": null,
  "restructuring": {
    "parties": [
      {
        "kbo": "0892.943.495",
        "name": "SWELLS",
        "role": "absorbed",
        "address": "De Broekbeemden 49, 2400 Mol",
        "is_foreign": false,
        "legal_form": "BV",
        "is_new_company": false,
        "jurisdiction_country": null
      },
      {
        "kbo": "0445.117.459",
        "name": "BO FINANCE",
        "role": "acquiring",
        "address": "De Broekbeemden 49, 2400 Mol",
        "is_foreign": false,
        "legal_form": "Vennootschap onder firma",
        "is_new_company": false,
        "jurisdiction_country": null
      }
    ],
    "exchange_ratio": null,
    "legal_articles": [
      "12:50"
    ],
    "is_cross_border": false,
    "is_silent_merger": true,
    "balance_basis_date": null,
    "exchange_ratio_text": null,
    "new_shares_issued_n": null,
    "real_estate_included": false,
    "patrimony_description": "Het gehele vermogen van de besloten vennootschap SWELLS, zowel de rechten als de verplichtingen, als gevolg van ontbinding zonder vereffening, overgaat op de Vennootschap onder firma BO FINANCE.",
    "equity_transferred_eur": null,
    "accounting_effective_date": "2024-01-01"
  },
  "subject_company": {
    "kbo": "0445.117.459",
    "name_full": "BO FINANCE",
    "legal_form": "Vennootschap onder firma"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "summary_narrative": "Het fusievoorstel ziet erop uit dat het gehele vermogen van de besloten vennootschap SWELLS, met zetel in Mol, overgaat op de vennootschap onder firma BO FINANCE, die reeds alle aandelen van SWELLS bezit. De fusie wordt uitgevoerd conform artikel 12:50 van het Wetboek van Vennootschappen en Verenigingen (WVV).",
  "co_filed_documents": [
    "afschrift van de akte"
  ],
  "detected_real_type": "fusion_proposal",
  "referenced_correction": null,
  "should_reroute_to_category": null
}
07-05-2024 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Ann-Sophie Van Roosbroeck
Summary: proposalNotary: Ann-Sophie Van Roosbroeck · Mol
Technical details 
{
  "stage": "proposal",
  "notary": {
    "name": "Ann-Sophie Van Roosbroeck",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Mol",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-05-07",
    "filing_date": "2024-04-24",
    "act_kind_objet": "Fusievoorstel"
  },
  "decision": {
    "body": null,
    "act_date": "2024-04-16",
    "unanimous": null
  },
  "conversion": null,
  "detected_kind": "merger_absorption",
  "report_waiver": null,
  "restructuring": {
    "parties": [
      {
        "kbo": "0892.943.495",
        "name": "SWELLS",
        "role": "absorbed",
        "address": "De Broekbeemden 49, 2400 Mol",
        "is_foreign": false,
        "legal_form": "BV",
        "is_new_company": false,
        "jurisdiction_country": null
      },
      {
        "kbo": "0445.117.459",
        "name": "BO FINANCE",
        "role": "acquiring",
        "address": "De Broekbeemden 49, 2400 Mol",
        "is_foreign": false,
        "legal_form": "Vennootschap onder firma",
        "is_new_company": false,
        "jurisdiction_country": null
      }
    ],
    "exchange_ratio": null,
    "legal_articles": [
      "12:50"
    ],
    "is_cross_border": false,
    "is_silent_merger": true,
    "balance_basis_date": null,
    "exchange_ratio_text": null,
    "new_shares_issued_n": null,
    "real_estate_included": false,
    "patrimony_description": "Het gehele vermogen van de besloten vennootschap SWELLS, zowel de rechten als de verplichtingen, als gevolg van ontbinding zonder vereffening, overgaat op de Vennootschap onder firma BO FINANCE.",
    "equity_transferred_eur": null,
    "accounting_effective_date": "2024-01-01"
  },
  "subject_company": {
    "kbo": "0445.117.459",
    "name_full": "BO FINANCE",
    "legal_form": "Vennootschap onder firma"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Ann-Sophie Van Roosbroeck",
    "org_rep_person_name": null
  },
  "summary_narrative": "Het fusievoorstel van de besloten vennootschap SWELLS tot overname door de vennootschap onder firma BO FINANCE is op 16 april 2024 getekend. Het gehele vermogen van SWELLS, inclusief rechten en verplichtingen, wordt overgedragen aan BO FINANCE, die al de volledige aandelen van SWELLS bezit. De fusie zal worden goedgekeurd door de algemene vergadering van beide vennootschappen.",
  "co_filed_documents": [
    "afschrift van de akte"
  ],
  "detected_real_type": "fusion_proposal",
  "referenced_correction": null,
  "should_reroute_to_category": null
}
07-05-2024 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Ann-Sophie Van Roosbroeck
Summary: proposalNotary: Ann-Sophie Van Roosbroeck · Mol
Technical details 
{
  "stage": "proposal",
  "notary": {
    "name": "Ann-Sophie Van Roosbroeck",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Mol",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-05-07",
    "filing_date": "2024-04-24",
    "act_kind_objet": "Fusievoorstel"
  },
  "decision": {
    "body": null,
    "act_date": "2024-04-16",
    "unanimous": null
  },
  "conversion": null,
  "detected_kind": "merger_absorption",
  "report_waiver": null,
  "restructuring": {
    "parties": [
      {
        "kbo": "0892.943.495",
        "name": "SWELLS",
        "role": "absorbed",
        "address": "De Broekbeemden 49, 2400 Mol",
        "is_foreign": false,
        "legal_form": "BV",
        "is_new_company": false,
        "jurisdiction_country": null
      },
      {
        "kbo": "0445.117.459",
        "name": "BO FINANCE",
        "role": "acquiring",
        "address": "De Broekbeemden 49, 2400 Mol",
        "is_foreign": false,
        "legal_form": "Vennootschap onder firma",
        "is_new_company": false,
        "jurisdiction_country": null
      }
    ],
    "exchange_ratio": null,
    "legal_articles": [
      "12:50"
    ],
    "is_cross_border": false,
    "is_silent_merger": true,
    "balance_basis_date": null,
    "exchange_ratio_text": null,
    "new_shares_issued_n": null,
    "real_estate_included": false,
    "patrimony_description": "Het gehele vermogen van de besloten vennootschap SWELLS, zowel de rechten als de verplichtingen, als gevolg van ontbinding zonder vereffening, overgaat op de Vennootschap onder firma BO FINANCE.",
    "equity_transferred_eur": null,
    "accounting_effective_date": "2024-01-01"
  },
  "subject_company": {
    "kbo": "0445.117.459",
    "name_full": "BO FINANCE",
    "legal_form": "Vennootschap onder firma"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Ann-Sophie Van Roosbroeck",
    "org_rep_person_name": null
  },
  "summary_narrative": "Het fusievoorstel voorziet in de overdracht van het gehele vermogen van de besloten vennootschap SWELLS op de vennootschap onder firma BO FINANCE, die reeds alle aandelen van SWELLS bezit. De rechtsvorm, naam, voorwerp en zetel van beide vennootschappen worden vastgesteld. De handelingen worden boekhoudkundig geacht te zijn verricht vanaf 1 januari 2024 voor rekening van de overnemende vennootschap.",
  "co_filed_documents": [
    "afschrift van de akte"
  ],
  "detected_real_type": "fusion_proposal",
  "referenced_correction": null,
  "should_reroute_to_category": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199
Primary activity highlighted.
Names & trade names
Legal nameNL BO FINANCE
Registered office
De Broekbeemden 49
2400 Mol, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 15,460 of 82,029 companies in this sector with filed accounts
SQUAIRE BE 0897.147.951 · Brasschaat
VYNCKIER BUSINESS CENTER BE 0771.480.590 · Staden
ENREST BE 0701.867.254 · Schoten
De Bootjes van Gent – Rederij Dewaele BE 0672.376.878 · Gent
TECHNOLEC HOLDING BE 0886.135.778 · Temse
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative