BPF BUILD
ActiveBPF BUILD has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €119k and a net result of €-15k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 19348 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-19
Solvency45▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.5 against 1.41 in 2023; short-term debt: 66.8% and cash: 0% of total assets), and 80.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
19.8%
Return on assets
-2.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
2 d early
2022
13 d late
2021
2 d early
2020
2 d late
2019
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€119k▼ 11.1%
2023 · €134k
2018: €93k
2019: €171k
2020: €166k
2021: €134k
2022: €98k
2023: €134k
2018 → 2024
Total assets
€603k▼ 13.9%
2023 · €701k
2018: €732k
2019: €252k
2020: €547k
2021: €666k
2022: €671k
2023: €701k
2018 → 2024
Net result
€-15k
2023 · €36k
2018: €92k
2019: €78k
2020: €-5k
2021: €-32k
2022: €-35k
2023: €36k
2018 → 2024
Working capital
€201k▼ 1.2%
2023 · €203k
2018: €112k
2019: €172k
2020: €170k
2021: €169k
2022: €173k
2023: €203k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€166k-€134k▼ 19.5%€98k▼ 26.5%€134k▲ 36.3%€119k▼ 11.1%
Operating result€-6k-€-8k▼ 35.5%€-4k▲ 47.0%€21k€-4k
Net result€-5k-€-32k▼ 574%€-35k▼ 9.3%€36k€-15k
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 2024: a loss of €4k after €21k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €603k
Equity
€119k▼ 11.1%
Debt
€484k▼ 14.5%
The debt ratio falls from 80.9% to 80.2%. Equity and debt are lower.
Key figures and ratios
Solvency
19.8%▲
2023 · 19.1%
Current ratio
1.50▲
2023 · 1.41
Quick ratio
1.50▲
2023 · 1.41
Debt / equity
4.06▼
2023 · 4.23
ROE
-12.4%▼
2023 · 26.6%
ROA
-2.5%▼
2023 · 5.1%
Debt
€484k▼
2023 · €567k
Debt ≤ 1 year
€403k▼
2023 · €498k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€701k€603k▼
Current assets29/58€701k€603k▼
Amounts receivable within one year40/41€671k€565k▼
Trade receivables40€25k-
Other amounts receivable41€647k€565k▼
Cash at bank and in hand54/58€151€272▲
Deferred charges and accrued income490/1€29k€38k▲
Equity and liabilities
Total equity and liabilities10/49€701k€603k▼
Equity10/15€134k€119k▼
Contributions10/11€19k€19k=
Reserves13€152k€152k=
Distributable reserves133€152k€152k=
Profit (loss) carried forward14€-36k€-51k▼
Amounts payable17/49€567k€484k▼
Amounts payable within one year42/48€498k€403k▼
Financial debts43€498k€398k▼
Other loans439€498k€398k▼
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€69k€81k▲
Income statement
Code20232024
Other operating charges640/8€557€569▲
Gross operating margin9900€21k€-4k▼
Operating profit (loss)9901€21k€-4k▼
Financial income75/76B€10k€9k▼
Recurring financial income75€10k€9k▼
Financial charges65/66B€-5k€20k▲
Recurring financial charges65€-5k€20k▲
Profit (loss) for the period before taxes9903€36k€-15k▼
Profit (loss) for the period9904€36k€-15k▼
Profit (loss) for the period to be appropriated9905€36k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-51k▼
Profit (loss) brought forward from the previous period14P€-72k€-36k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €36k
Net result €36k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €134k ▲36.3%
Equity rises from €98k to €134k.
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 13 days late
2022
31-12
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 3.16
Current ratio from 1.18 to 3.16; short-term debt falls from €620k to €80k.
31-12
Financial
Equity above €150kEq €171k ▲83.8%
2 profitable years in a row build equity to €171k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 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, Schilde · 1 establishment unit since 2017
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.
Mastendreef 32970 SchildeGround area
3,411 m²
Building footprint
348 m²
Volume, LiDAR
2,817 m³
2 parcels, Flanders · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BPF BUILD
since 20172.261.569.747
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0381/00E003 | Flanders | 3,189 m² | 1 · 237 m² | 10.9 m · 2 fl. |
| 11810K1629/00N003 | Flanders | 223 m² | 1 · 110 m² | 13.8 m · 4 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.
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HET GULDEN CRUYS
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,380. 3,770 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2017
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.