@BPF
Active@BPF has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €268k and a net result of €113k. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.51 against 2.05 in 2024), and 19.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
80.5%
Return on assets
33.9%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
27 d early
2023
36 d early
2022
10 d early
2021
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€268k▲ 48.8%
2024 · €180k
2021: €33k
2022: €103k
2023: €180k
2024: €180k
2021 → 2025
Total assets
€334k▲ 13.5%
2024 · €294k
2021: €84k
2022: €151k
2023: €198k
2024: €294k
2021 → 2025
Net result
€113k▲ 9.0%
2024 · €104k
2021: €23k
2022: €70k
2023: €77k
2024: €104k
2021 → 2025
Working capital
€228k▲ 91.3%
2024 · €119k
2021: €16k
2022: €83k
2023: €102k
2024: €119k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€103k▲ 213%€180k▲ 74.7%€180k=€268k▲ 48.8%
Operating result€34k-€102k▲ 202%€105k▲ 3.9%€129k▲ 22.6%€152k▲ 17.5%
Net result€23k-€70k▲ 206%€77k▲ 9.7%€104k▲ 34.5%€113k▲ 9.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 17% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €334k
Fixed assets
€40k▼ 34.3%
Current assets
€293k▲ 26.0%
Equity and liabilities €334k
Equity
€268k▲ 48.8%
Debt
€65k▼ 42.7%
The debt ratio falls from 38.6% to 19.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€172k▲
2024 · €149k
Cash flow
€133k▲
2024 · €123k
Solvency
80.5%▲
2024 · 61.4%
Current ratio
4.51▲
2024 · 2.05
Quick ratio
4.51▲
2024 · 2.05
Debt / equity
0.24▼
2024 · 0.63
ROE
42.1%▼
2024 · 57.5%
ROA
33.9%▼
2024 · 35.3%
Interest coverage
582.50▲
2024 · -1520.42
Debt
€65k▼
2024 · €114k
Debt ≤ 1 year
€65k▼
2024 · €114k
Income taxes
€45k▲
2024 · €31k
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€294k€334k▲
Fixed assets21/28€61k€40k▼
Tangible fixed assets22/27€61k€40k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€59k€39k▼
Current assets29/58€233k€293k▲
Amounts receivable after more than one year29€81k€86k▲
Other amounts receivable291€81k€86k▲
Amounts receivable within one year40/41€39k€57k▲
Trade receivables40€28k€57k▲
Other amounts receivable41€11k€22▼
Current investments50/53€17k€23k▲
Cash at bank and in hand54/58€95k€127k▲
Deferred charges and accrued income490/1€447€447=
Equity and liabilities
Total equity and liabilities10/49€294k€334k▲
Equity10/15€180k€268k▲
Contributions10/11€10k€10k=
Reserves13€170k€258k▲
Distributable reserves133€170k€258k▲
Amounts payable17/49€114k€65k▼
Amounts payable within one year42/48€114k€65k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45-€26k
Taxes450/3-€26k
Other amounts payable47/48€109k€35k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▲
Other operating charges640/8€15k€10k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€164k€183k▲
Operating profit (loss)9901€129k€152k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€-98€295▲
Recurring financial charges65€-98€295▲
Profit (loss) for the period before taxes9903€134k€158k▲
Income taxes67/77€31k€45k▲
Profit (loss) for the period9904€104k€113k▲
Profit (loss) for the period to be appropriated9905€104k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€104k€113k▲
Transfer to equity691/2-€88k
To other reserves6921-€88k
Profit to be distributed694/7€104k€25k▼
Return on contributions (dividend)694€104k€25k▼
The notes to these accounts (6 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2021net €113k ▲9%
Operating result €152k, net result €113k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 4.51
Current ratio from 2.05 to 4.51; short-term debt falls from €114k to €65k.
30-09
Financial
Equity above €200kEq €268k ▲48.8%
5 profitable years in a row build equity to €268k.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity triplescurrent ratio 6.95
Current ratio from 2.75 to 6.95; short-term debt falls from €48k to €17k.
30-09
Financial
Equity above €150kEq €180k ▲74.7%
3 profitable years in a row build equity to €180k.
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 2.75
Current ratio from 1.32 to 2.75; short-term debt falls from €51k to €48k.
30-09
Financial
Equity above €100kEq €103k ▲213%
2 profitable years in a row build equity to €103k.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Gent · 1 establishment unit since 2021
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.
Paul Lebrunstraat 49050 GentGround area
961 m²
Building footprint
183 m²
Volume, LiDAR
1,403 m³
Parcel 44022A0171/00N000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
@BPF
since 20212.311.385.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44022A0171/00N000 | Flanders | 961 m² | 1 · 183 m² | 10.7 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500IL09BKV7OCY516
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ANNEXIS
BE 0642.668.451
Beveren-Kruibeke-Zwijndrecht · Eq €268k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 38,532 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2020
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:killemaes.g@gmail.com
Phone:0497515615