BOFIB
ActiveSummary
BOFIB has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €234,981 and a net result of €34,656. Equity is growing by ~22.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability84▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 6.34 against 10.11 in 2023; short-term debt: 15% and cash: 22.6% of total assets), and 15.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
8 d early
2023
33 d early
2022
5 d early
2021
6 d early
2020
3 d early
2019
53 d late
← 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 7 days before 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 23 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€234,981▲ 1.7%
2023 · €231,125
Total assets
€279,510▲ 6.2%
2023 · €263,315
Net result
€34,656▼ 19.9%
2023 · €43,242
Working capital
€223,429▲ 1.7%
2023 · €219,781
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting 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
Line20202021202220232024
Operating result€58,697▲ 5.5%€73,775▲ 25.7%€64,377▼ 12.7%€65,732▲ 2.1%€49,357▼ 24.9%
Net result€39,037within the sector's middle half▲ 17.2%€49,454within the sector's middle half▲ 26.7%€41,864within the sector's middle half▼ 15.3%€43,242within the sector's middle half▲ 3.3%€34,656within the sector's middle half▼ 19.9%
Equity€116,966within the sector's middle half▲ 48.6%€165,620within the sector's middle half▲ 41.6%€206,684within the sector's middle half▲ 24.8%€231,125within the sector's middle half▲ 11.8%€234,981within the sector's middle half▲ 1.7%
Total assets€143,789within the sector's middle half▲ 30.9%€202,925within the sector's middle half▲ 41.1%€245,290within the sector's middle half▲ 20.9%€263,315within the sector's middle half▲ 7.3%€279,510within the sector's middle half▲ 6.2%
Debt€26,823▼ 13.7%€37,306▲ 39.1%€38,606▲ 3.5%€32,190▼ 16.6%€44,530▲ 38.3%
Working capital€115,134within the sector's middle half▲ 45.6%€151,478within the sector's middle half▲ 31.6%€195,252above the sector's middle half▲ 28.9%€219,781above the sector's middle half▲ 12.6%€223,429above the sector's middle half▲ 1.7%
Solvency81.3%above the sector's middle half▲ 9.7pp81.6%above the sector's middle half▲ 0.3pp84.3%above the sector's middle half▲ 2.6pp87.8%above the sector's middle half▲ 3.5pp84.1%above the sector's middle half▼ 3.7pp
Current ratio5.29above the sector's middle half▲ 1.619.08above the sector's middle half▲ 3.788.73above the sector's middle half▼ 0.3510.11above the sector's middle half▲ 1.386.34above the sector's middle half▼ 3.76
Return on assets (ROA)27.1%above the sector's middle half▼ 3.2pp24.4%within the sector's middle half▼ 2.8pp17.1%within the sector's middle half▼ 7.3pp16.4%within the sector's middle half▼ 0.6pp12.4%within the sector's middle half▼ 4.0pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
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 2024; 2024 is 25% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €279,510
Fixed assets
€14,253 ▼ 26.5%
Current assets
€265,258 ▲ 8.7%
Equity and liabilities €279,510
Equity
€234,981 ▲ 1.7%
Debt
€44,530 ▲ 38.3%
Debt's share of the balance-sheet total rises from 12.2% to 15.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58,213▼
2023 · €73,511
Cash flow
€43,512▼
2023 · €51,020
Debt to equity
0.19▲
2023 · 0.14
ROE
14.7%▼
2023 · 18.7%
Interest coverage
36.56▲
2023 · 35.61
Debt ≤ 1 year
€41,828▲
2023 · €24,138
Debt > 1 year
€2,701▼
2023 · €8,052
Income taxes
€16,937▼
2023 · €22,961
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 31,370 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,228 | €4,955 | €7,925 | €7,779 | €8,856 | ▲ 13.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €2,878 | €910 | - | - |
| Other operating charges640/8 | - | €1,093 | €917 | €795 | €822 | ▲ 3.4% |
| Gross operating margin9900 | €69,264 | €79,823 | €76,097 | €75,216 | €59,035 | ▼ 21.5% |
| Operating profit (loss)9901 | €58,697 | €73,775 | €64,377 | €65,732 | €49,357 | ▼ 24.9% |
| Financial income75/76B | - | €1,510 | €1,179 | €2,535 | €3,828 | ▲ 51.0% |
| Recurring financial income75 | €710 | €1,510 | €1,179 | €2,535 | €3,828 | ▲ 51.0% |
| Financial charges65/66B | - | €1,153 | €1,214 | €2,064 | €1,592 | ▼ 22.9% |
| Recurring financial charges65 | €560 | €1,153 | €1,214 | €2,064 | €1,592 | ▼ 22.9% |
| Profit (loss) for the period before taxes9903 | €58,847 | €74,132 | €64,342 | €66,202 | €51,592 | ▼ 22.1% |
| Income taxes67/77 | €19,811 | €24,679 | €22,478 | €22,961 | €16,937 | ▼ 26.2% |
| Profit (loss) for the period9904 | €39,037 | €49,454 | €41,864 | €43,242 | €34,656 | ▼ 19.9% |
| Profit (loss) for the period to be appropriated9905 | €39,037 | €49,454 | €41,864 | €43,242 | €34,656 | ▼ 19.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €143,789 | €202,925 | €245,290 | €263,315 | €279,510 | ▲ 6.2% |
| Fixed assets21/28 | €1,832 | €32,692 | €24,767 | €19,397 | €14,253 | ▼ 26.5% |
| Tangible fixed assets22/27 | €1,832 | €32,692 | €24,767 | €19,397 | €14,253 | ▼ 26.5% |
| Furniture and vehicles24 | - | €32,692 | €24,767 | €19,397 | €14,253 | ▼ 26.5% |
| Current assets29/58 | €141,957 | €170,233 | €220,522 | €243,919 | €265,258 | ▲ 8.7% |
| Amounts receivable after more than one year29 | - | €50,000 | €80,000 | €70,500 | €62,900 | ▼ 10.8% |
| Other amounts receivable291 | - | €50,000 | €80,000 | €70,500 | €62,900 | ▼ 10.8% |
| Amounts receivable within one year40/41 | €47,077 | €51,258 | €51,831 | €43,828 | €38,790 | ▼ 11.5% |
| Trade receivables40 | - | €40,758 | €41,331 | €25,724 | €25,026 | ▼ 2.7% |
| Other amounts receivable41 | - | €10,500 | €10,500 | €18,104 | €13,764 | ▼ 24.0% |
| Current investments50/53 | - | - | - | €59,253 | €99,147 | ▲ 67.3% |
| Cash at bank and in hand54/58 | €43,001 | €66,075 | €86,420 | €68,131 | €63,262 | ▼ 7.1% |
| Deferred charges and accrued income490/1 | - | €2,899 | €2,271 | €2,206 | €1,158 | ▼ 47.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €143,789 | €202,925 | €245,290 | €263,315 | €279,510 | ▲ 6.2% |
| Equity10/15 | €116,966 | €165,620 | €206,684 | €231,125 | €234,981 | ▲ 1.7% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €87,860 | €135,860 | €177,360 | €201,360 | €191,360 | ▼ 5.0% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | €134,000 | €177,360 | €201,360 | €191,360 | ▼ 5.0% |
| Profit (loss) carried forward14 | €10,506 | €11,160 | €10,724 | €11,165 | €25,021 | ▲ 124% |
| Amounts payable17/49 | €26,823 | €37,306 | €38,606 | €32,190 | €44,530 | ▲ 38.3% |
| Amounts payable after more than one year17 | - | €18,551 | €13,335 | €8,052 | €2,701 | ▼ 66.5% |
| Financial debts170/4 | - | €18,551 | €13,335 | €8,052 | €2,701 | ▼ 66.5% |
| Amounts payable within one year42/48 | €26,823 | €18,755 | €25,271 | €24,138 | €41,828 | ▲ 73.3% |
| Current portion of amounts payable after more than one year42 | - | €5,149 | €5,216 | €5,283 | €5,351 | ▲ 1.3% |
| Trade debts44 | €6,317 | €2,384 | €6,074 | €4,286 | €4,138 | ▼ 3.5% |
| Suppliers440/4 | - | €2,384 | €6,074 | €4,286 | €4,138 | ▼ 3.5% |
| Taxes, remuneration and social security45 | - | €8,374 | €5,167 | €3,633 | €1,096 | ▼ 69.8% |
| Taxes450/3 | - | €8,096 | €4,094 | €3,205 | €668 | ▼ 79.2% |
| Remuneration and social security454/9 | - | €278 | €1,072 | €428 | €428 | = |
| Other amounts payable47/48 | - | €2,847 | €8,814 | €10,936 | €31,244 | ▲ 186% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,037 | €49,454 | €41,864 | €43,242 | €34,656 | ▼ 19.9% |
| + Depreciation and write-downs630 | €1,228 | €4,955 | €7,925 | €7,779 | €8,856 | ▲ 13.9% |
| Operating cash flow (approximation) | €40,265 | €54,409 | €49,789 | €51,020 | €43,512 | ▼ 14.7% |
| Investment in fixed assets (approximation) | - | -€35,816 | €0 | -€2,408 | -€3,712 | ▼ 54.1% |
| Change in cash | - | €23,074 | €20,345 | -€18,289 | -€4,869 | ▲ 73.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200,000Eq €206,684 ▲24.8%
5 profitable years in a row build equity to €206,684.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €49,454 ▲26.7%
Operating result €73,775, net result €49,454, both a record.
31-12
Financial
Equity above €150,000Eq €165,620 ▲41.6%
4 profitable years in a row build equity to €165,620.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €116,966 ▲48.6%
3 profitable years in a row build equity to €116,966.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 26 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Rumst · 1 establishment unit since 2002
Ground area
1,527 m²
Building footprint
162 m²
Volume, LiDAR
947 m³
Parcel 11036A0249/00L003, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
's Herenbaan 42, 2840 Rumst
since 20022.227.102.875
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036A0249/00L003 | Flanders | 1,527 m² | 1 · 162 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,654 EUR awarded · 1,654 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 435 EUR | 435 EUR |
| 2024 | 1 | 345 EUR | 345 EUR |
| 2023 | 1 | 425 EUR | 425 EUR |
| 2022 | 1 | 449 EUR | 449 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
894500M4CCFHSTKJ2K41
Similar companies · same sector, comparable size
ACCOUNTANTS and TAX ADVISORS Management Fiduciaire
BE 0762.734.754
Verlaine · Eq €234,978
AE CONSULT
BE 0807.997.627
Evere · Eq €234,968
COP ACCOUNTANTSKANTOOR
BE 0883.331.389
Boom · Eq €235,279
S&T Accompany
BE 0749.864.735
Lummen · Eq €235,298
FINQ
BE 0449.397.832
Antwerpen · Eq €235,349
Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,248 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-01-2003
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479261261
Also
9925:BE0479261261
Registered
14-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.