BSL
ActiveSummary
The computed 12-month bankruptcy probability of BSL is 1.6% (moderate). For BSL, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €10k and a net result of €-17k. Equity is growing by ~34.7% per year across the filed fiscal years. Its solvency ranks better than 25% of 15221 sector peers (fiscal year 2023). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability5▼-53
Solvency32▼-14
Growth65▼-20
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
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 2023Solvency, return and age of the figures
Solvency
7.1%
Return on assets
-11.5%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 6 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline25-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 22-02-2025, 206 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
206 d late
2022
572 d late
2021
97 d late
2020
462 d late
2019
152 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Turnover
€190k▼ 35.9%
2022 · €297k
EBIT margin
-7.2%▼ 7.9pp
2022 · 0.8%
Net result
€-17k
2022 · €2k
Working capital
€6k▼ 72.4%
2022 · €20k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222023
Turnover€116k▲ 36.0%€214k▲ 83.4%€305k▲ 42.9%€297k▼ 2.6%€190k▼ 35.9%
Operating result€-1k▲ 89.4%€11k€9k▼ 24.0%€2k▼ 73.5%€-14k
Net result€-1k▲ 89.6%€11k€9k▼ 19.8%€2k▼ 75.4%€-17k
EBIT margin-1.1%▲ 13.3pp5.3%▲ 6.4pp2.8%▼ 2.5pp0.8%▼ 2.0pp-7.2%▼ 7.9pp
Equity€6k▼ 18.4%€17k▲ 181%€25k▲ 51.6%€27k▲ 8.4%€10k▼ 61.9%
Total assets€43k▲ 6.5%€116k▲ 167%€124k▲ 6.9%€131k▲ 6.3%€147k▲ 11.5%
Debt€37k▲ 11.9%€99k▲ 165%€99k▼ 0.6%€104k▲ 5.7%€136k▲ 30.7%
Working capital€910▼ 59.4%€11k▲ 1,141%€12k▲ 3.5%€20k▲ 75.0%€6k▼ 72.4%
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 2023: a loss of €14k after €2k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €147k
Fixed assets
€5k ▼ 30.5%
Current assets
€142k ▲ 13.8%
Equity and liabilities €147k
Equity
€10k ▼ 61.9%
Debt
€136k ▲ 30.7%
Debt's share of the balance-sheet total rises from 79.3% to 92.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▼
2022 · €10k
Cash flow
€-10k▼
2022 · €10k
Current ratio
1.04▼
2022 · 1.20
Quick ratio
0.35▼
2022 · 0.64
Debt to equity
13.13▲
2022 · 3.82
ROE
-162.7%▼
2022 · 7.7%
ROA
-11.5%▼
2022 · 1.6%
Interest coverage
-79.38▼
2022 · 64.45
Debt ≤ 1 year
€136k▲
2022 · €104k
Income taxes
€3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €116k | €214k | €305k | €297k | €190k | ▼ 35.9% |
| Goods, raw materials, services and sundry goods60/61 | - | €200k | €287k | €287k | €194k | ▼ 32.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €3k | €8k | €8k | €6k | ▼ 15.8% |
| Other operating charges640/8 | - | €69 | €1k | €232 | €3k | ▲ 1,282% |
| Non-recurring operating charges66A | - | - | - | €312 | - | - |
| Gross operating margin9900 | €-223 | €14k | €18k | €10k | €-4k | ▼ 138% |
| Operating profit (loss)9901 | €-1k | €11k | €9k | €2k | €-14k | ▼ 702% |
| Financial income75/76B | - | €7 | €84 | - | €3 | - |
| Recurring financial income75 | €19 | €7 | €84 | - | €3 | - |
| Financial charges65/66B | - | €560 | €64 | €154 | €217 | ▲ 40.6% |
| Recurring financial charges65 | €42 | €560 | €64 | €154 | €90 | ▼ 41.7% |
| Non-recurring financial charges66B | - | - | - | - | €127 | - |
| Profit (loss) for the period before taxes9903 | €-1k | €11k | €9k | €2k | €-14k | ▼ 756% |
| Income taxes67/77 | - | - | - | - | €3k | - |
| Profit (loss) for the period9904 | €-1k | €11k | €9k | €2k | €-17k | ▼ 901% |
| Profit (loss) for the period to be appropriated9905 | €-1k | €11k | €9k | €2k | €-17k | ▼ 901% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €43k | €116k | €124k | €131k | €147k | ▲ 11.5% |
| Fixed assets21/28 | €5k | €5k | €13k | €7k | €5k | ▼ 30.5% |
| Tangible fixed assets22/27 | - | €5k | €13k | €7k | €5k | ▼ 30.5% |
| Plant, machinery and equipment23 | - | - | - | - | €4k | - |
| Furniture and vehicles24 | - | €5k | €13k | €7k | €724 | ▼ 89.3% |
| Financial fixed assets28 | €5k | - | - | - | - | - |
| Current assets29/58 | €38k | €110k | €110k | €125k | €142k | ▲ 13.8% |
| Stocks and contracts in progress3 | €23k | €37k | €25k | €58k | €94k | ▲ 61.0% |
| Stocks30/36 | - | €37k | €25k | €58k | €94k | ▲ 61.0% |
| Amounts receivable within one year40/41 | €8k | €10k | €35k | €32k | €34k | ▲ 5.8% |
| Trade receivables40 | - | €10k | €35k | €32k | €34k | ▲ 5.8% |
| Cash at bank and in hand54/58 | €7k | €63k | €49k | €35k | €15k | ▼ 57.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €43k | €116k | €124k | €131k | €147k | ▲ 11.5% |
| Equity10/15 | €6k | €17k | €25k | €27k | €10k | ▼ 61.9% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Profit (loss) carried forward14 | €-14k | €-3k | €5k | €7k | €-10k | ▼ 233% |
| Amounts payable17/49 | €37k | €99k | €99k | €104k | €136k | ▲ 30.7% |
| Amounts payable within one year42/48 | €37k | €99k | €99k | €104k | €136k | ▲ 30.7% |
| Current portion of amounts payable after more than one year42 | - | €25k | €29k | €20k | €16k | ▼ 22.6% |
| Trade debts44 | €12k | €38k | €53k | €51k | €95k | ▲ 84.1% |
| Suppliers440/4 | - | €38k | €53k | €51k | €95k | ▲ 84.1% |
| Taxes, remuneration and social security45 | - | €246 | €11k | €12k | €12k | ▲ 0.4% |
| Taxes450/3 | - | €246 | €11k | €12k | €12k | ▲ 0.4% |
| Other amounts payable47/48 | - | €36k | €5k | €20k | €13k | ▼ 33.7% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-1k | €11k | €9k | €2k | €-17k | ▼ 901% |
| + Depreciation and write-downs630 | - | €3k | €8k | €8k | €6k | ▼ 15.8% |
| Operating cash flow (approximation) | €-1k | €13k | €16k | €10k | €-10k | ▼ 206% |
| Investment in fixed assets (approximation) | - | €-3k | €-16k | €-1k | €-4k | ▼ 329% |
| Change in cash | - | €56k | €-14k | €-15k | €-20k | ▼ 37.9% |
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
2025
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 206 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 572 days late
2023
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series.
2022
05-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 97 days late
05-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 462 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 152 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Liège · 1 establishment unit since 2018
Ground area
953 m²
Building footprint
111 m²
Volume, LiDAR
1,186 m³
Parcel 62810B0757/00F002, Wallonia · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BRICO SAINT LEONARD
since 20182.271.051.003
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B0757/00F002 | Wallonia | 953 m² | 1 · 111 m² | 14.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SABANI CAPITAL GROUP
BE 0793.977.959
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AMZ PROJECT
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DELPORTE MATERIAUX
BE 0468.644.612
Theux · Eq €10,567
DECOSTAR EUROPE
BE 0793.272.136
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RIEMSTER CENTRALE
BE 0603.986.633
Riemst · Eq €10,800
Of 1,805 companies in sector 46831 we hold annual accounts for 1,397. 306 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-10-2017
Fiscal year end31-12
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
Scores and ratios are computed by Checked and are not a credit decision.