BP EXPERTISES & SERVICES
ActiveThe computed 12-month bankruptcy probability of BP EXPERTISES & SERVICES is 1.6% (moderate). The 2025 annual accounts show negative equity (€-3k) and a net result of €-9k. Its solvency ranks better than 9% of 14056 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency1▼-69
Growth32
Track record82
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.54 against 1.34 in 2024; short-term debt: 124.4% and cash: 35% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-24.4%
Return on assets
-75.9%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year €-3k
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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
49 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-3k
2024 · €6k
2024: €6k
2024 → 2025
Total assets
€11k▼ 12.0%
2024 · €13k
2024: €13k
2024 → 2025
Net result
€-9k
2024 · €4k
2024: €4k
2024 → 2025
Working capital
€-6k
2024 · €2k
2024: €2k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€6k-€-3k
Operating result€6k-€-8k
Net result€4k-€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11k
Fixed assets
€4k▲ 7.0%
Current assets
€8k▼ 19.0%
Key figures and ratios
EBITDA
€-7k▼
2024 · €7k
Cash flow
€-7k▼
2024 · €4k
Solvency
-24.4%▼
2024 · 45.3%
Current ratio
0.54▼
2024 · 1.34
Quick ratio
0.54▼
2024 · 1.34
Debt / equity
-5.09▼
2024 · 1.21
ROA
-75.9%▼
2024 · 29.7%
Interest coverage
-34.62▼
2024 · 5.97
Debt
€14k▲
2024 · €7k
Debt ≤ 1 year
€14k▲
2024 · €7k
Income taxes
€-3▼
2024 · €1k
Staff costs
€16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€13k€11k▼
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€3k€4k▲
Furniture and vehicles24€3k€4k▲
Current assets29/58€9k€8k▼
Amounts receivable within one year40/41€986€4k▲
Trade receivables40€483€4k▲
Other amounts receivable41€503-
Cash at bank and in hand54/58€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€13k€11k▼
Equity10/15€6k€-3k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€4k€-5k▼
Amounts payable17/49€7k€14k▲
Amounts payable within one year42/48€7k€14k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Advances received on contracts in progress46€320€380▲
Taxes, remuneration and social security45€1k€8k▲
Taxes450/3€1k€5k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€4k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€685€2k▲
Gross operating margin9900€7k€9k▲
Operating profit (loss)9901€6k€-8k▼
Financial charges65/66B€1k€190▼
Recurring financial charges65€1k€190▼
Profit (loss) for the period before taxes9903€5k€-9k▼
Income taxes67/77€1k€-3▼
Profit (loss) for the period9904€4k€-9k▼
Profit (loss) for the period to be appropriated9905€4k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-5k▼
Profit (loss) brought forward from the previous period14P-€4k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Mons · 1 establishment unit since 2024
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.
Boulevard Sainctelette 397000 MonsGround area
1,618 m²
Building footprint
516 m²
Volume, LiDAR
11,095 m³
Parcel 53053D0025/00G054, Wallonia · tallest building 25.0 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
BP EXPERTISES & SERVICES
since 20242.357.592.027
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0025/00G054 | Wallonia | 1,618 m² | 1 · 516 m² | 24.9 m · 7 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
DSTX
BE 0753.622.989
Huy · Eq €6k
AT-CO & PARTENAIRES
BE 0823.119.729
Gesves · Eq €6k
DG REAL ESTATE SRL
BE 0754.834.105
Sint-Lambrechts-Woluwe · Eq €6k
PB IMMOBILIER
BE 0804.700.815
Nandrin · Eq €6k
KAERELS
BE 0756.884.862
Sint-Pieters-Leeuw · Eq €6k
Of 1,530 companies in sector 68322 we hold annual accounts for 740. 255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2024
Fiscal year end31-12
Activities, NACEBEL
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.