Turnover
≈ €24,000 estimated
The micro format states no turnover.
BPH GROUP
Overview
Lifetime
1 annual account with figurespeak €5,297 (2025)
€5,297
peak €4,143 (2025)
€4,143
peak €14,143 (2025)
€14,143
€4,764
Board1 name since 2024
1 directorDJOLAK Faysal
Documentsfilings and deeds
27-08-202627 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsAt the same address
12 companies
Position in the sector
€14,143
Less equity than 80% of companies in head offices and management consultancy. Sector median €78,242 · 39,408 companies.
2025 accounts filed 27 days after the deadline
Checked score
87
Excellent
Financially stronger than 52% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.4%
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.5%▲ +0.1 percentage points vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026highest value
09-2026: 0.3%▼ -0.2 percentage points vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Liquidity: current ratio 3.97, cash €348
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2025 (filed on 28-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 72% of them on solvency, 22% on liquidity and 62% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as BPH GROUP has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of BPH GROUP itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for BPH GROUP. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.97, above the usual 1.5. Short-term debt is 25.2% and cash 1.8% of total assets. 25.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
27 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017630463
Incorporation
Founding capital of €10,000, 100 shares · Founder: DJOLAK Faysal · Appointment: DJOLAK Faysal (director) · published on 23-12-2024 · Gazette deed
First establishment
Eendrachtstraat 66, Ixelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BPH GROUP Ixelles | €18,907 | €5,297 | 74.8% | - |
| Windels Wealth Management Tielt | €17,487 | €5,082 | 49.2% | - |
| NGAGE Asse | €16,447 | €5,298 | 30.6% | - |
| Creadel Kuurne | €24,388 | €5,162 | 6.6% | - |
| DHAETON CONSULTING Antwerp | €16,690 | €4,636 | 28.7% | - |
| DSKonstruct Nazareth-De Pinte | €19,203 | €4,504 | 43.3% | - |
| S&R Consulting Antwerp | €25,302 | €7,116 | 11.5% | - |
These companies have the same main activity as BPH GROUP: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €16,400 and €25,300, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 19-12-2024Normal situation
- Registered office
- 14 active companies are registered at this addressSource: KBO register, as of 11 November 2026.
- Activity
- Activities of head officesNACE 70100
- Establishment unit
- 2.368.902.0291050 Ixelles, since 19-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 24-12-2025
Insights on BPH GROUP
BPH GROUP has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,143 and a net result of €4,143.
Its solvency ranks better than 71% of 39,376 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 27-08-2026, 27 days late€5,297
€5,180
€4,143
€14,143
74.8%
3.97
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €24,000. Estimated: probably between €12,000 and €48,000.
Balance sheet
balance sheet total €18,907 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
74.8%
Higher than 71% of 39,376 companies in 2025.
3.97
Higher than 72% of 38,058 companies in 2025.
21.9%
Higher than 61% of 38,530 companies in 2025.
BPH GROUP
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
18,907 | |
29/58 |
18,907 | |
40/41 |
18,559 | |
41 |
18,559 | |
54/58 |
348 | |
| Balance sheet: equity and liabilities | ||
10/49 |
18,907 | |
10/15 |
14,143 | |
10/11 |
10,000 | |
14 |
4,143 | |
17/49 |
4,764 | |
42/48 |
4,764 | |
44 |
1,572 | |
440/4 |
1,572 | |
45 |
3,192 | |
450/3 |
3,192 | |
| Income statement | ||
9900 |
5,297 | |
640/8 |
117 | |
9901 |
5,180 | |
9903 |
5,180 | |
67/77 |
1,038 | |
9904 |
4,143 | |
9905 |
4,143 | |
| Appropriation of the result | ||
9906 |
4,143 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 27-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 27 days after the deadline. Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00442193.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 27-08-2026 | 2026-00442193 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 14,143 | ||
| 74.8% | ||
| 3.97 | ||
| 0.34 | ||
| 29.3% | ||
| 21.9% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on BPH GROUP
Debt's share of the balance-sheet total is 25.2%.
Board & ownership
Board
1 director, since incorporationDirector
since 19-12-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 27-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “La rémunération du mandat de chaque administrateur est fixée par l’assemblée générale. POUVOIRS ET FONCTIONNEMENT DE L’ORGANE…”deed of 23-12-2024
Mandates through the years
1 name, the dashed line is todayControl
Capital
- Contribution
- €10,000
- Shares
- 100
- Contribution per share
- €100
- Equity per share
- €141 in 2025
- Source
- deed of 23-12-2024
Articles of association
deed of 23-12-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Tuesday of June at 17:00
Shareholders
At incorporation
deed of 23-12-2024 ↗
- DJOLAK Faysal 100 shares (100%) · in cash
Network & group
No group
BPH GROUP has no parent and no holdings in its annual accounts. DJOLAK Faysal is the only director. BPH GROUP shares no director with another company.
At the same address
Eendrachtstraat 66, 1050 Ixelles · 13 other companies| BLUEBELL
registered office since 26-10-1994 · founded in 1994 |
total assets €801,232 (2025) 0453.507.563 |
| DUPLAX
establishment since 18-11-2022 · founded in 2022 |
total assets €444,671 (2025) 0793.739.023 |
| BP HOLDING
establishment since 01-07-2013 · founded in 2013 |
total assets €383,106 (2025) 0535.944.103 |
| ROCHET Benelux
establishment since 01-04-1976 · founded in 1976 |
turnover €224,342 (2025) 0415.956.388 |
| YAKA FACTORY
registered office since 28-10-2022 · founded in 2022 |
total assets €162,433 (2025) 0793.117.926 |
| BILAL BROTHERS
registered office since 01-06-2012 · founded in 2012 |
turnover €129,418 (2025) 0845.998.861 |
| AYAAN COMPANY
registered office since 04-01-2018 · founded in 2018 |
turnover €108,418 (2025) 0687.494.329 |
| ZAHAV
registered office since 27-01-2011 · founded in 2011 |
total assets €69,818 (2025) 0833.216.340 |
| ERRA CONSTRUCT
establishment since 01-01-2023 · founded in 2022 |
total assets €68,992 (2025) 0795.285.380 |
| Roussière, Magali (sole trader)
establishment since 01-05-2023 |
founded in 2023 0802.126.454 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 27 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1017630463
2024
IncorporationFounding capital of €10,000, 100 shares · Founder: DJOLAK Faysal · Appointment: DJOLAK Faysal (director) · published on 23-12-20244 points ▸
- Founder, DJOLAK Faysal
- Founding capital, €10,000, 100 shares
- 100 shares
- Director appointment, DJOLAK Faysal
- The deed holds 2 more points.
First establishment Eendrachtstraat 66, Ixelles
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.630.463
- VAT number
- BE 1017.630.463
- Peppol ID
- 0208:1017630463
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 19-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Tuesday of June at 17:00deed of 23-12-2024 (in French)
- Peppol
- Reachable since 24-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BPH GROUP in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 23-12-2024 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 23-12-2024 (in French)
Activities
NACEBEL 202570100
Activities of head offices main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Aux activités de management dans le domaine de la gestion des départements commerciaux,la gestion des bureaux d'études,la gestion des…”deed of 23-12-2024 (in French)
9 activities
- Aux activités de management dans le domaine de la gestion des départements commerciaux,la gestion des bureaux d'études,la gestion des processus de production,gestion logistique,participation,à la gestion en règle générale dans toute entreprise;dans le design,l'architecture d'intérieurs,la direction artistique,la gestion de projets d'aménagement et de rénovation,les études de tout projet,la communication 2D-3D,la coordination de chantiers
- La gestion et développement stratégique Corporate,Design Consulting,réalisation d'images de synthèse,bureau de modélisation et maquettisme,studio d'animation
- L'assistance technique en construction et le suivi des chantiers,l'audit et l'expertises architecturales et techniques
- La gestion de patrimoine immobilier pour compte propre ou de tiers,l'import-export de matériel,marchandises ou denrées et notamment la vente en gros ou au détail de mobilier de cuisine,de salle de bain et de placards,assemblés en usine ou en kit,des appareils électroménagers ou non,l'achat et la vente de véhicules neufs
- L'achat,l'échange,la vente,la location,la sous-location,ainsi que la cession en location ou sous-location,avec ou sans option d'achat,de maisons,appartements,bureaux,magasins,fonds de commerce,terrains,domaines,propriétés commerciales,résidentielles et industrielles,ainsi que tous autres biens immobiliers
- L'exploitation,l'entretien,la gestion,la réparation,la restauration,la rénovation et la maintenance de biens immobiliers,incluant notamment des maisons,appartements,bureaux,magasins,ainsi que des terrains et propriétés agricoles ou commerciales
- La vente,la location,l'achat,ainsi que la gestion,la réparation et le nettoyage de biens immobiliers,y compris des meubles,ameublements et objets divers dans le cadre d'activités immobilières.La conception,la construction,la rénovation et la gestion d'immeubles à vocation commerciale,résidentielle ou industrielle
- L'importation,l'exportation et la vente de matériaux de construction,incluant des produits pour la maçonnerie,la charpente,l'électricité,la plomberie,le chauffage,l'isolation et autres matériaux nécessaires à la construction ou rénovation de bâtiments.La réalisation de travaux d'aménagement,de rénovation,de construction de maisons à ossature bois,de bardage,d'isolation thermique et acoustique,de travaux d'étanchéité et d'hydrofugation,ainsi que la pose de cloisons,de revêtements et de carrelages
- La réalisation de travaux d'aménagement de terrains,y compris les travaux de terrassement,de voirie,l'aménagement de parcs et de jardins,ainsi que la gestion de chantiers de construction
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Eendrachtstraat 66 registered office 1050 Ixelles | 19-12-2024 | 2.368.902.029 |
Buildings and parcels at the address
- Ground area
- 165 m²
- Buildings
- 165 m²
- Volume, LiDAR
- 3,129 m³
- Tallest building
- 22.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21009A0350/00R009 | 165 m² | 1 · 165 m² | 22.6 m · 6 |