BP Finex is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €112k and a net result of €56k. Its solvency ranks better than 49% of 2430 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
31 d early
2024
20 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
€112k▲ 101%
2024 · €55k
2024: €55k
2024 → 2025
Net result
€56k▲ 7.2%
2024 · €52k
2024: €52k
2024 → 2025
Total assets
€224k▲ 47.5%
2024 · €152k
2024: €152k
2024 → 2025
Solvency
49.9%▲ 13.4pp
2024 · 36.6%
2024: 36.6%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€55k-€112k▲ 101%
Operating result€76k-€80k▲ 5.3%
Net result€52k-€56k▲ 7.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€42k▲ 0.6%
Current assets
€182k▲ 65.4%
Equity and liabilities €224k
Equity
€112k▲ 101%
Debt
€112k▲ 16.4%
The debt ratio falls from 63.4% to 50.1%. Equity and debt are higher.
Key figures and ratios
Solvency
49.9%▲
2024 · 36.6%
ROE
50.3%▼
2024 · 94.6%
ROA
25.1%▼
2024 · 34.6%
Debt
€112k▲
2024 · €96k
Debt ≤ 1 year
€112k▲
2024 · €95k
Income taxes
€23k▲
2024 · €23k
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€152k€224k▲
Fixed assets21/28€42k€42k▲
Tangible fixed assets22/27€42k€42k▲
Land and buildings22€13k€12k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€27k€29k▲
Current assets29/58€110k€182k▲
Amounts receivable within one year40/41€107k€126k▲
Trade receivables40€107k€126k▲
Other amounts receivable41-€44
Cash at bank and in hand54/58€3k€56k▲
Equity and liabilities
Total equity and liabilities10/49€152k€224k▲
Equity10/15€55k€112k▲
Contributions10/11€3k€3k=
Reserves13€52k€109k▲
Distributable reserves133€52k€109k▲
Amounts payable17/49€96k€112k▲
Amounts payable within one year42/48€95k€112k▲
Trade debts44€12k€725▼
Suppliers440/4€12k€725▼
Taxes, remuneration and social security45€29k€57k▲
Taxes450/3€27k€57k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€54k€55k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€11k▼
Other operating charges640/8€743€186▼
Gross operating margin9900€91k€91k▼
Operating profit (loss)9901€76k€80k▲
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€214€55▼
Recurring financial charges65€214€55▼
Profit (loss) for the period before taxes9903€75k€80k▲
Income taxes67/77€23k€23k▲
Profit (loss) for the period9904€52k€56k▲
Profit (loss) for the period to be appropriated9905€52k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€56k▲
Transfer to equity691/2€52k€56k▲
To other reserves6921€52k€56k▲
The notes to these accounts (13 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €112k ▲101%
2 profitable years in a row build equity to €112k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Heist-op-den-Berg · 1 establishment unit since 2023
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.
Werftsesteenweg 102a2220 Heist-op-den-BergGround area
629 m²
Building footprint
83 m²
Volume, LiDAR
323 m³
Parcel 12322I0110/00P000, Flanders · tallest building 12.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BP Finex
since 20232.344.533.253
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0110/00P000 | Flanders | 629 m² | 1 · 83 m² | 12.3 m · 1 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
A-MIX
BE 0468.317.087
Antwerpen · Eq €112k
ATLAS FINANCE
BE 0779.607.410
Halle · Eq €111k
HALDYR
BE 0534.754.268
Namur · Eq €112k
K&K Consult
BE 1003.607.332
Nijlen · Eq €112k
B.A.L. CONSEILS
BE 0460.468.304
Visé · Eq €110k
Of 1,507 companies in sector 66199 we hold annual accounts for 917. 629 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2023
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
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.