BSP Technics
ActiveBSP Technics has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207k and a net result of €3k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 24% of 969 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability6▼-40
Solvency38▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 0.87 in 2024), and 76.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
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
23.4%
Return on assets
0.3%
Age of the figures
11 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 969 sector peers (2025).
NBB · sector comparisonPosition among 969 sector peers
Solvency
better than 24%
← weakest
strongest →
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 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
75 d late
2023
79 d late
2022
2 d late
2021
31 d late
2020
7 d late
2019
on the day
← 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
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€207k▲ 1.3%
2024 · €205k
2018: €78k
2019: €71k
2020: €82k
2021: €111k
2022: €124k
2023: €186k
2024: €205k
2018 → 2025
Total assets
€885k▲ 12.2%
2024 · €789k
2018: €449k
2019: €433k
2020: €561k
2021: €494k
2022: €805k
2023: €866k
2024: €789k
2018 → 2025
Net result
€3k▼ 86.2%
2024 · €19k
2018: €22k
2019: €-7k
2020: €11k
2021: €30k
2022: €12k
2023: €62k
2024: €19k
2018 → 2025
Working capital
€43k
2024 · €-21k
2018: €27k
2019: €9k
2020: €15k
2021: €9k
2022: €-30k
2023: €-15k
2024: €-21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€124k▲ 10.8%€186k▲ 50.4%€205k▲ 10.2%€207k▲ 1.3%
Operating result€39k-€19k▼ 50.4%€80k▲ 315%€25k▼ 68.9%€16k▼ 34.0%
Net result€30k-€12k▼ 59.1%€62k▲ 416%€19k▼ 69.7%€3k▼ 86.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 34% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €885k
Fixed assets
€602k▼ 5.9%
Current assets
€283k▲ 90.2%
Equity and liabilities €885k
Equity
€207k▲ 1.3%
Debt
€678k▲ 16.1%
The debt ratio rises from 74.1% to 76.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€57k▼
2024 · €80k
Cash flow
€43k▼
2024 · €74k
Solvency
23.4%▼
2024 · 25.9%
Current ratio
1.18▲
2024 · 0.87
Quick ratio
0.44▲
2024 · 0.26
Debt / equity
3.27▲
2024 · 2.85
ROE
1.3%▼
2024 · 9.2%
ROA
0.3%▼
2024 · 2.4%
Interest coverage
4.27▼
2024 · 9.12
Debt
€678k▲
2024 · €584k
Debt ≤ 1 year
€240k▲
2024 · €170k
Debt > 1 year
€438k▲
2024 · €414k
Income taxes
€2k▲
2024 · €-1k
Staff costs
€6k▼
2024 · €16k
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€789k€885k▲
Fixed assets21/28€640k€602k▼
Tangible fixed assets22/27€640k€602k▼
Land and buildings22€569k€552k▼
Plant, machinery and equipment23€25k€18k▼
Furniture and vehicles24€33k€23k▼
Other tangible fixed assets26€12k€9k▼
Current assets29/58€149k€283k▲
Stocks and contracts in progress3€105k€178k▲
Stocks30/36€105k€178k▲
Amounts receivable within one year40/41€16k€93k▲
Trade receivables40€9k€70k▲
Other amounts receivable41€7k€23k▲
Cash at bank and in hand54/58€28k€12k▼
Equity and liabilities
Total equity and liabilities10/49€789k€885k▲
Equity10/15€205k€207k▲
Contributions10/11€40k€40k=
Reserves13€136k€139k▲
Distributable reserves133€136k€139k▲
Profit (loss) carried forward14€29k€29k=
Amounts payable17/49€584k€678k▲
Amounts payable after more than one year17€414k€438k▲
Financial debts170/4€414k€438k▲
Amounts payable within one year42/48€170k€240k▲
Current portion of amounts payable after more than one year42€36k€48k▲
Trade debts44€8k€78k▲
Suppliers440/4€8k€78k▲
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€115k€100k▼
Income statement
Code20242025
Remuneration, social security and pensions62€16k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€41k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€98k€65k▼
Operating profit (loss)9901€25k€16k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€9k€13k▲
Recurring financial charges65€9k€13k▲
Profit (loss) for the period before taxes9903€18k€4k▼
Income taxes67/77€-1k€2k▲
Profit (loss) for the period9904€19k€3k▼
Profit (loss) for the period to be appropriated9905€19k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€31k▼
Profit (loss) brought forward from the previous period14P€29k€29k=
Transfer to equity691/2€19k€3k▼
To other reserves6921€19k€3k▼
The notes to these accounts (7 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2024
30-09
Financial
Equity above €200kEq €205k ▲10.2%
5 profitable years in a row build equity to €205k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
30-09
Financial
Highest result since 2018net €62k ▲416%
Operating result €80k, net result €62k, both a record.
30-09
Financial
Equity above €150kEq €186k ▲50.4%
4 profitable years in a row build equity to €186k.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
Financial
Equity above €100kEq €111k ▲36%
2 profitable years in a row build equity to €111k.
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 7 days late
2020
30-09
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-7k ▼129%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 65 days late
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Linter · 1 establishment unit since 2013
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.
Grote Steenweg(DRL) 1013350 LinterGround area
804 m²
Building footprint
318 m²
Volume, LiDAR
1,513 m³
Parcel 24077E0402/00D003, Flanders · tallest building 10.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Garden Luxury
since 20132.219.088.695
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24077E0402/00D003 | Flanders | 804 m² | 1 · 318 m² | 10.2 m · 1 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
Food safety, FASFC
1 siteLinter2.219.088.695
Dual-learning approval
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Of 387 companies in sector 42990 we hold annual accounts for 179. 131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2013
Fiscal year end30-09
Trade name NL
Garden Luxury
Activities, NACEBEL
42990Civil engineering
43211General electrical installation work
46130Agents in the wholesale of timber and building materials
46150Agents in the wholesale of furniture, household goods and hardware
71113Urban planning and landscape architecture
81300Landscape service activities
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.bsptechnics.be
E-mail:info@bsptechnics.be