BP Flow
ActiveBP Flow has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €42k. Equity is growing by ~33.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency96▼-4
Growth52▲+20
Stability94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 3.6 in 2024), and 40.2% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.8%
Return on assets
44.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 3 filingsDeviation from the deadline
2025
20 d late
2024
3 d early
2023
15 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 92.1%
2024 · €29k
2023: €34k
2024: €29k
2023 → 2025
Total assets
€94k▲ 154%
2024 · €37k
2023: €60k
2024: €37k
2023 → 2025
Net result
€42k
2024 · €-4k
2023: €43k
2024: €-4k
2023 → 2025
Working capital
€35k▲ 72.1%
2024 · €20k
2023: €17k
2024: €20k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€34k-€29k▼ 12.9%€56k▲ 92.1%
Operating result€54k-€-4k€54k
Net result€43k-€-4k€42k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €54k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€22k▲ 135%
Current assets
€72k▲ 161%
Equity and liabilities €94k
Equity
€56k▲ 92.1%
Debt
€38k▲ 390%
The debt ratio rises from 20.8% to 40.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€62k▲
2024 · €2k
Cash flow
€50k▲
2024 · €2k
Solvency
59.8%▼
2024 · 79.2%
Current ratio
1.91▼
2024 · 3.60
Quick ratio
1.91▼
2024 · 3.60
Debt / equity
0.67▲
2024 · 0.26
ROE
74.5%▲
2024 · -14.8%
ROA
44.6%▲
2024 · -11.7%
Interest coverage
231.11▲
2024 · 7.74
Debt
€38k▲
2024 · €8k
Debt ≤ 1 year
€38k▲
2024 · €8k
Income taxes
€12k
Staff costs
€53k▲
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€37k€94k▲
Fixed assets21/28€9k€22k▲
Intangible fixed assets21€1k€172▼
Tangible fixed assets22/27€8k€15k▲
Furniture and vehicles24€8k€15k▲
Financial fixed assets28€368€6k▲
Current assets29/58€28k€72k▲
Amounts receivable after more than one year29-€21k
Other amounts receivable291-€21k
Amounts receivable within one year40/41€3k€14k▲
Trade receivables40€2k€9k▲
Other amounts receivable41€950€5k▲
Cash at bank and in hand54/58€24k€36k▲
Deferred charges and accrued income490/1€797€1k▲
Equity and liabilities
Total equity and liabilities10/49€37k€94k▲
Equity10/15€29k€56k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€24k€51k▲
Amounts payable17/49€8k€38k▲
Amounts payable within one year42/48€8k€38k▲
Trade debts44€3k€934▼
Suppliers440/4€3k€934▼
Taxes, remuneration and social security45€5k€30k▲
Taxes450/3€5k€29k▲
Remuneration and social security454/9-€992
Other amounts payable47/48€65€7k▲
Income statement
Code20242025
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€23k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€27k€117k▲
Operating profit (loss)9901€-4k€54k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€286€267▼
Recurring financial charges65€286€267▼
Profit (loss) for the period before taxes9903€-4k€54k▲
Income taxes67/77-€12k
Profit (loss) for the period9904€-4k€42k▲
Profit (loss) for the period to be appropriated9905€-4k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€66k▲
Profit (loss) brought forward from the previous period14P€29k€24k▼
Profit to be distributed694/7-€15k
Return on contributions (dividend)694-€15k
The notes to these accounts (12 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-4k ▼110%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.60
Current ratio from 1.65 to 3.60; short-term debt falls from €26k to €8k.
15-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Etterbeek · 2 establishment units since 2022
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.
Frankenstraat 791040 EtterbeekGround area
3,941 m²
Building footprint
3,841 m²
Volume, LiDAR
61,976 m³
2 parcels, Brussels, Wallonia · tallest building 25.7 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Frankenstraat 79, 1040 Etterbeek
since 20222.333.824.750
Rue de la Neuville 96, 6000 Charleroi
since 20232.352.577.721
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0225/00Z005 | Brussels | 3,610 m² | 1 · 3,528 m² | 22.8 m · 5 fl. |
| 52302A1193/00C009 | Wallonia | 332 m² | 1 · 313 m² | 25.7 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ZENEKA
BE 0771.724.278
Sint-Pieters-Woluwe · Eq €56k
OPEN STABILITY
BE 0800.533.773
Kraainem · Eq €56k
DATA WIZARDS SOLUTIONS
BE 0792.385.179
Elsene · Eq €56k
MANGO CONSULTING
BE 1006.810.411
Juprelle · Eq €56k
SUR LA ROUTE
BE 0887.134.185
Anderlecht · Eq €56k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 15,339 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:cedricmarien@bpflow.be