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BUFFEL

Active
Private limited companyfounded 2000active for 25 yearsHazelbeekstraat 18, 8020 Oostkamp, BelgiumKBO/BCE: BE 0473.197.375
Summary

BUFFEL has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77,009 and a net result of -€8,336. Equity is shrinking by about 6.9% per year across the filed financial years. Its solvency ranks better than 69% of 34,040 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Activity
Joinery installation
NACE 43320
1 site
Size
€120,547total assets 2025
Equity
€77,009
Loss
-€8,336
Turnover not published (micro format)
Financial health
85 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Structure
Accounts 9 days early0 of 3 deeds read
Why 85raises riskLoss of €8,336, the second in a row (financial year 2025)Sector: Specialised construction activities (NACE 43)lowers riskFounded in 2000Liquidity: current ratio 3.35, cash €16,803Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 40% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Average
Solvency 89-4
equity 63.9% of total assets
Liquidity 55-12
short-term debt 29.9% · cash 13.9%
Profitability 20-3
return on assets -6.9%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,550 companies, NACE 43, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025lowest value 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.3%● unchanged vs 08-2026highest value 10-2026: 0.3%● unchanged vs 09-2026highest value
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity ample (current ratio 3.35, compared with 3.12 in 2024; short-term debt: 29.9% and cash: 13.9% of total assets), and 36.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 70% on solvency, 51% on liquidity, 14% on profitability and 24% on growth.

The bankruptcy probability was computed on 11-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Loss of €8,336, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Founded in 2000
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 3.35, cash €16,803
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€8,336
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
9 days early
2024
22 days late
2023
16 days early
2022
25 days late
2021
13 days early
2020
23 days late
2019
89 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 17 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven months
Where today falls in the filing period
12-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Risk: 4 loss-making years in a rowloss financial year 2025 -€8,336 View
  • Caution: Among the weakest 13% on net resultsector median €10,256 · 34,026 companies -€8,336 View
  • Active since 2000founded 03-11-2000 25 years View

By topic

Financials

Financial year
2025
Total assets
€120,547
Loss
-€8,336
Solvency
63.9%
Total assets▼ 4.0%
Net result
20182025
Go to Financials

Timeline

Events
30
Since
2002
Next accounts
by 31-07-2027
  1. 31-12-2023Weakest financial year
  2. 25-08-2023Annual accounts filed
  3. 18-07-2022Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Joinery installationNACE 43320
Founded
03-11-2000
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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