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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Age4 yrs
Real estate1 parcel · 1,014 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BPH ACCOUNTING is 0.4% (very low). The 2025 annual accounts show negative equity (€-353) and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 1943 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.4%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1943 sector peers (2025).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-03. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-03-2025 | 31-10-2025 | 31-10-2025 | on the day | 2025-00556612 |
| 31-03-2024 | 31-10-2024 | 31-10-2024 | on the day | 2024-00526924 |
| 31-03-2023 | 31-10-2023 | 31-10-2023 | on the day | 2023-00500276 |
| 31-03-2022 | 31-10-2022 | 03-11-2022 | 3 d late | 2022-20483229 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k
Working capital€-9k-17.5%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 31-10-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -3.9% | 53.8% | |
| Net result | €3k | €43k | |
| Equity | €-353 | €56k | |
| Gross operating margin | €5k | €68k | |
| Total assets | €9k | €133k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P5
Stable position over 2022-2025
· n=1943-4818
P7
Stable position over 2022-2025
· n=1943-4815
P5
Stable position over 2022-2025
· n=1944-4818
P5
Stable position over 2022-2025
· n=1942-4813
Describes the position versus peers, not a forecast.
€5k
-
22-25
€3k
-
22-25
€4k
-
22-25
€9k
+6.9%
22-25
€-353
+88.9%
22-25
€-9k
-17.5%
22-25
€169
-39.1%
22-25
€9k
-19.1%
22-25
€9k
+17.1%
22-25
€3k
-52.2%
22-25
0.08
-4.0%
22-25
0.08
-4.0%
22-25
-3.9%
+89.6%
22-25
-26.80
-627.4%
22-25
-799.2%
-
22-25
31.0%
-
22-25
28.18
-
22-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €5k |
| Net profit | €3k |
| Cash flow | €4k |
| Staff costs | - |
| Income taxes | €169 |
| Dividends | - |
| Total assets | €9k |
| Equity | €-353 |
| Debt | €9k |
| of which ≤ 1y | €9k |
| of which > 1y | - |
| Working capital | €-9k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.08 |
| Quick ratio | 0.08 |
| Working capital ratio | -96.1% |
| Solvency | -3.9% |
| Debt / equity | -26.80 |
| Long-term debt ratio | - |
| Interest coverage | 28.18 |
| Gross margin | - |
| Net margin | - |
| ROA | 31.0% |
| ROE | -799.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €9k |
| Fixed assets | 21/28 | €8k |
| Tangible fixed assets | 22/27 | €8k |
| Current assets | 29/58 | €711 |
| Cash & bank | 54/58 | €711 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €9k |
| Equity | 10/15 | €-353 |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-5k |
| Amounts payable | 17/49 | €9k |
| Amounts payable within one year | 42/48 | €9k |
| Trade debts payable within one year | 44 | €99 |
| Income statement | ||
| Gross operating margin | 9900 | €5k |
| Operating result | 9901 | €3k |
| Financial charges | 65 | €162 |
| Result before taxes | 9903 | €3k |
| Income taxes | 67/77 | €169 |
| Net result for the period | 9904 | €3k |
| Result to be appropriated | 9905 | €3k |
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computed16
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationBrusselstraat 621, 1700 Dilbeek
since 20222.350.565.168
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,014 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23079B0126/00D000 | Flanders | 1,014 m² | - | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
23-10-2023
Registered-office move
All acts · 1
updated 2 years ago
2023
23-10-2023 Registered office moved from Ternat to Dilbeek
- Meersstraat 187 - 1742 Ternat → Brusselstraat 621 - 1700 Dilbeek
Analysis
Snowflake analysis
financial profile on 5 axes40
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
16
Profitability
0
Solvency
33
Growth
58
Stability
94
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Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 1,571 of the 12,136 companies in this sector. 599 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201Boekhouders en boekhouders-fiscalisten69202
Primary activity highlighted.
Names & trade names
| Legal nameNL | BPH ACCOUNTING |
Registered office
Brusselstraat 621
1700 Dilbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.