BP SRL
ActiveSummary
The computed 12-month bankruptcy probability of BP SRL is 8.3% (elevated). The 2024 annual accounts show equity of €12,710 and a net result of €1,677. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 36370 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2024
Axes · tick = 2023
Profitability57▲+3
Solvency55▼-3
Growth85=
Track record86
Bankruptcy probability, 12 months
8.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.74 against 1.45 in 2023; short-term debt: 36.2% and cash: 49.6% of total assets), but 70.3% of the assets are financed with debt.
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Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
29.7%
Return on assets
3.9%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €12,710
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-09-2025, 46 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
46 d late
2023
31 d late
2022
31 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 35 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
History
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Financials · fiscal year 2024, micro schema
Turnover
€291,045▲ 142%
2023 · €120,146
EBIT margin
0.7%▲ 0.2pp
2023 · 0.5%
Net result
€1,677▲ 471%
2023 · €294
Working capital
€11,475▲ 16.4%
2023 · €9,857
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Turnover€15,216-€167,116▲ 998%€120,146▼ 28.1%€291,045▲ 142%
Operating result-€21,013-€32,826€560▼ 98.3%€2,054▲ 267%
Net result-€21,020below the sector's middle half-€30,459above the sector's middle half€294below the sector's middle half▼ 99.0%€1,677within the sector's middle half▲ 471%
EBIT margin-138.1%-19.6%▲ 157.7pp0.5%▼ 19.2pp0.7%▲ 0.2pp
Equity-€19,720below the sector's middle half-€10,739below the sector's middle half€11,033below the sector's middle half▲ 2.7%€12,710below the sector's middle half▲ 15.2%
Total assets€5,010below the sector's middle half-€55,104below the sector's middle half▲ 1,000%€33,126below the sector's middle half▼ 39.9%€42,823below the sector's middle half▲ 29.3%
Debt€24,730-€44,365▲ 79.4%€22,093▼ 50.2%€30,113▲ 36.3%
Working capital-€23,140below the sector's middle half-€2,480below the sector's middle half€9,857within the sector's middle half▲ 297%€11,475within the sector's middle half▲ 16.4%
Solvency-393.6%below the sector's middle half-19.5%below the sector's middle half▲ 413.1pp33.3%within the sector's middle half▲ 13.8pp29.7%within the sector's middle half▼ 3.6pp
Current ratio0.06below the sector's middle half-1.06below the sector's middle half▲ 0.991.45within the sector's middle half▲ 0.391.74within the sector's middle half▲ 0.29
Return on assets (ROA)-419.5%below the sector's middle half-55.3%above the sector's middle half▲ 474.8pp0.9%within the sector's middle half▼ 54.4pp3.9%within the sector's middle half▲ 3.0pp
Staff (FTE)0.3-
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction 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 recovers in 2024; 2024 is 267% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €42,823
Fixed assets
€15,834 ▲ 1,247%
Current assets
€26,988 ▼ 15.5%
Equity and liabilities €42,823
Equity
€12,710 ▲ 15.2%
Debt
€30,113 ▲ 36.3%
Debt's share of the balance-sheet total rises from 66.7% to 70.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2,530▲
2023 · €1,035
Cash flow
€2,152▲
2023 · €769
Debt to equity
2.37▲
2023 · 2.00
ROE
13.2%▲
2023 · 2.7%
Interest coverage
6.84▼
2023 · 6.92
Debt ≤ 1 year
€15,513▼
2023 · €22,093
Debt > 1 year
€14,600
Income taxes
€7▼
2023 · €117
Staff costs
€1,367
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,275 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.5%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 8.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 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% | 1.8% |
| 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 3,275 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 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Turnover70 | €15,216 | €167,116 | €120,146 | €291,045 | ▲ 142% |
| Non-recurring operating income76A | €9 | €3,635 | - | €2,305 | - |
| Goods, raw materials, services and sundry goods60/61 | €19,421 | €134,525 | €115,097 | €289,017 | ▲ 151% |
| Remuneration, social security and pensions62 | €2,141 | - | - | €1,367 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €2,960 | €475 | €476 | ▲ 0.1% |
| Other operating charges640/8 | - | €439 | €548 | €436 | ▼ 20.5% |
| Non-recurring operating charges66A | €14,676 | - | €3,466 | - | - |
| Gross operating margin9900 | -€4,196 | €36,225 | €5,049 | €4,332 | ▼ 14.2% |
| Operating profit (loss)9901 | -€21,013 | €32,826 | €560 | €2,054 | ▲ 267% |
| Financial charges65/66B | €7 | €7 | €150 | €370 | ▲ 147% |
| Recurring financial charges65 | €7 | €7 | €150 | €370 | ▲ 147% |
| Profit (loss) for the period before taxes9903 | -€21,020 | €32,819 | €411 | €1,684 | ▲ 310% |
| Income taxes67/77 | - | €2,360 | €117 | €7 | ▼ 93.6% |
| Profit (loss) for the period9904 | -€21,020 | €30,459 | €294 | €1,677 | ▲ 471% |
| Profit (loss) for the period to be appropriated9905 | -€21,020 | €30,459 | €294 | €1,677 | ▲ 471% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €5,010 | €55,104 | €33,126 | €42,823 | ▲ 29.3% |
| Fixed assets21/28 | €3,420 | €8,259 | €1,176 | €15,834 | ▲ 1,247% |
| Tangible fixed assets22/27 | - | €8,259 | €476 | €15,000 | ▲ 3,054% |
| Furniture and vehicles24 | - | €8,259 | €476 | €15,000 | ▲ 3,054% |
| Financial fixed assets28 | €3,420 | - | €700 | €834 | ▲ 19.2% |
| Current assets29/58 | €1,590 | €46,845 | €31,951 | €26,988 | ▼ 15.5% |
| Stocks and contracts in progress3 | - | - | €5,960 | - | - |
| Stocks30/36 | - | - | €5,960 | - | - |
| Amounts receivable within one year40/41 | €1,007 | €25,024 | €24,951 | €5,481 | ▼ 78.0% |
| Trade receivables40 | - | €14,053 | €20,232 | €4,009 | ▼ 80.2% |
| Other amounts receivable41 | €1,007 | €10,971 | €4,719 | €1,472 | ▼ 68.8% |
| Cash at bank and in hand54/58 | €99 | €21,614 | €624 | €21,236 | ▲ 3,303% |
| Deferred charges and accrued income490/1 | €485 | €207 | €416 | €272 | ▼ 34.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €5,010 | €55,104 | €33,126 | €42,823 | ▲ 29.3% |
| Equity10/15 | -€19,720 | €10,739 | €11,033 | €12,710 | ▲ 15.2% |
| Contributions10/11 | €1,300 | €1,300 | €1,300 | €1,300 | = |
| Profit (loss) carried forward14 | -€21,020 | €9,439 | €9,733 | €11,410 | ▲ 17.2% |
| Amounts payable17/49 | €24,730 | €44,365 | €22,093 | €30,113 | ▲ 36.3% |
| Amounts payable after more than one year17 | - | - | - | €14,600 | - |
| Financial debts170/4 | - | - | - | €14,600 | - |
| Amounts payable within one year42/48 | €24,730 | €44,365 | €22,093 | €15,513 | ▼ 29.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6,574 | - |
| Trade debts44 | €725 | €19,507 | €491 | €1,412 | ▲ 188% |
| Suppliers440/4 | €725 | €19,507 | €491 | €1,412 | ▲ 188% |
| Taxes, remuneration and social security45 | €1,110 | €13,689 | €2,509 | €3,620 | ▲ 44.3% |
| Taxes450/3 | €905 | €11,734 | €2,509 | €1,806 | ▼ 28.0% |
| Remuneration and social security454/9 | €205 | €1,955 | - | €1,814 | - |
| Other amounts payable47/48 | €22,895 | €11,169 | €19,093 | €3,906 | ▼ 79.5% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€21,020 | €30,459 | €294 | €1,677 | ▲ 471% |
| + Depreciation and write-downs630 | - | €2,960 | €475 | €476 | ▲ 0.1% |
| Operating cash flow (approximation) | -€21,020 | €33,419 | €769 | €2,152 | ▲ 180% |
| Investment in fixed assets (approximation) | - | -€7,799 | €6,609 | -€15,134 | ▼ 329% |
| Change in cash | - | €21,515 | -€20,990 | €20,612 | ▲ 198% |
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
2026
05-05
State Gazette act
Appointment: Joly Nicolas (deuxième administrateur)Registered-office move · Share transfer · Declaration6 facts ▸
State Gazette act
Appointment: Joly Nicolas (deuxième administrateur)
Registered-office move · Share transfer · Declaration6 facts ▸
- General meeting, 01-04-2026
- Director in office, PRADO Y FERNANDEZ Brandon (director)
- Registered-office move, Rue Meurisse 16 à 7011 Ghlin
- Director appointment, Joly Nicolas (deuxième administrateur)
- Share transfer, PRADO Y FERNANDEZ Brandon → Joly Nicolas
- Declaration, L'assemblée se reconnaît valablement constituée et apte à délibérer sur les objets à l'ordre du jour
16-03
KBO administration
Address struck
event 05-01-2026
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 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 €30,459
Net result €30,459 after one loss-making year.
31-12
Financial
Liquidity times 16current ratio 1.06
Current ratio from 0.06 to 1.06.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Joly Nicolas
CurrentDeuxième administrateur · since 01-04-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2021
Ground area
3,253 m²
Building footprint
51 m²
Volume, LiDAR
259 m³
2 parcels, Wallonia · tallest building 12.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DEFI RENOV
since 20212.314.230.255
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53064B0219/00R000 | Wallonia | 2,954 m² | 1 · 51 m² | 12.9 m · 1 fl. |
| 53030B0634/00L000 | Wallonia | 299 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| Joly Nicolas |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
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Capital and shareholders
Shareholders according to the acts
Share transfer
act of 05-05-2026 ↗
- PRADO Y FERNANDEZ Brandon to Joly Nicolas 30 shares · 30%
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
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Of 4,018 companies in this sector we hold annual accounts for 1,751. 1,159 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded09-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43310Plastering work
43230Insulation installation
43320Joinery installation
43331Floor and wall tiling
43422Screed work
Contact
E-mail
b.l.auto@hotmail.com
Phone
0493940720
E-invoicing
Reachable via Peppol
Peppol ID
0208:0764848661
Registered
21-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.