Checked.be
Active
BE 0448.962.718Private limited company
BOFITEX
Pieter Reypenslei 23 ·2640 Mortsel, Belgium· 33 yrs active
Sector: Retail trade
(47713)
Conclusion
BOFITEX has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €7k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 17366 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €56k |
| Net result | €7k |
| Better than sector | 55% |
| Active | 33 yrs |
Financial profile
82
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
89
Profitability
65
Solvency
78
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1992, 33 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 Flags
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.
Checked score
89
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€5k
estimate, not credit advice
Score history
30
2021
96
2022
48
2023
77
2024
89
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.67 (≥ 1.5)
+10
Leverage
Debt/equity 1.44 (< 2.0)
+3
Profitability
ROE 13% (≥ 10%)
+10
Interest coverage
Interest coverage 6.8× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 28-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~11.2%/year over 5 fiscal years, indicative, assuming unchanged policy.
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 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 40.9% | 34.6% | |
| Net result | €7k | €5k | |
| Equity | €56k | €44k | |
| Gross operating margin | €42k | €34k | |
| Total assets | €138k | €154k |
€14k
+40.3%
21-25
€7k
+97.6%
21-25
€10k
+58.9%
21-25
€138k
-0.8%
21-25
€56k
+15.0%
21-25
€54k
+21.9%
21-25
€460
-
21-25
€3k
+37.0%
21-25
€81k
-9.5%
21-25
€81k
-9.5%
21-25
1.67
+11.5%
21-25
0.76
+26.2%
21-25
40.9%
+16.0%
21-25
1.44
-21.3%
21-25
13.0%
+71.8%
21-25
5.3%
+99.2%
21-25
6.81
+58.7%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €14k | €10k | €4k | €21k | €-2k |
| Net profit | €7k | €4k | €-1k | €11k | €-6k |
| Cash flow | €10k | €6k | €882 | €12k | €-5k |
| Staff costs | - | - | €460 | - | - |
| Income taxes | €3k | €2k | €1k | €5k | €974 |
| Dividends | - | - | - | - | - |
| Total assets | €138k | €139k | €129k | €92k | €122k |
| Equity | €56k | €49k | €45k | €47k | €36k |
| Debt | €81k | €90k | €84k | €46k | €86k |
| of which ≤ 1y | €81k | €90k | €84k | €46k | €86k |
| of which > 1y | - | - | - | - | - |
| Working capital | €54k | €44k | €39k | €41k | €29k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.67 | 1.49 | 1.46 | 1.90 | 1.34 |
| Quick ratio | 0.76 | 0.60 | 0.64 | 0.62 | 0.43 |
| Working capital ratio | 39.3% | 32.0% | 29.8% | 44.6% | 23.9% |
| Solvency | 40.9% | 35.3% | 35.0% | 50.5% | 29.6% |
| Debt / equity | 1.44 | 1.84 | 1.86 | 0.98 | 2.38 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 6.81 | 4.29 | 1.67 | 5.30 | -0.55 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 5.3% | 2.7% | -1.1% | 11.6% | -4.7% |
| ROE | 13.0% | 7.6% | -3.2% | 22.9% | -15.9% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €138k | €139k | €129k | €92k | €122k |
| Fixed assets | 21/28 | €2k | €5k | €7k | €5k | €7k |
| Intangible fixed assets | 21 | €0 | €0 | €0 | €0 | €0 |
| Tangible fixed assets | 22/27 | €2k | €5k | €7k | €5k | €7k |
| Current assets | 29/58 | €135k | €134k | €122k | €87k | €115k |
| Stocks & contracts in progress | 3 | €74k | €80k | €69k | €59k | €78k |
| Amounts receivable within one year | 40/41 | €4k | €4k | €7k | €11k | €9k |
| Cash & bank | 54/58 | €28k | €22k | €15k | €12k | €27k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €138k | €139k | €129k | €92k | €122k |
| Equity | 10/15 | €56k | €49k | €45k | €47k | €36k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €26k | €26k | €26k | €26k | €26k |
| Accumulated profits (losses) | 14 | €11k | €4k | €426 | €2k | €-9k |
| Amounts payable | 17/49 | €81k | €90k | €84k | €46k | €86k |
| Amounts payable within one year | 42/48 | €81k | €90k | €84k | €46k | €86k |
| Trade debts payable within one year | 44 | €43k | €60k | €48k | €0 | €34k |
| Income statement | ||||||
| Gross operating margin | 9900 | €42k | €2k | €4k | €42k | €-1k |
| Operating result | 9901 | €11k | €7k | €2k | €19k | €-3k |
| Financial income | 75 | €2k | €1k | €238 | €425 | €709 |
| Financial charges | 65 | €2k | €2k | €3k | €4k | €3k |
| Result before taxes | 9903 | €11k | €6k | €-416 | €16k | €-5k |
| Income taxes | 67/77 | €3k | €2k | €1k | €5k | €974 |
| Net result for the period | 9904 | €7k | €4k | €-1k | €11k | €-6k |
| Result to be appropriated | 9905 | €7k | €4k | €-1k | €11k | €-6k |
Legal Structure
| NACE primary | Retail trade(47713) |
| Legal form | Private limited company(610) |
| Incorporation | 18-12-1992 |
| Status | Active |
| Postal code | 2640 |
Establishment units
Pieter Reypenslei 23, 2640 Mortsel
since 19932.060.710.857
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0263/00L002 | Flanders | 104 m² | 1 · 104 m² | 12.9 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 77 days late
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail trade4771352424
Names & trade names
| Legal nameNL | BOFITEX |
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