BUFINCO
ActiveSummary
BUFINCO has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.0m and a net result of €49,374. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 928 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability57▼-20
Solvency92▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150,000 at 30 days acceptable
Liquidity ample (current ratio 24.52 against 8.96 in 2024; short-term debt: 1.2% and cash: 12% of total assets), and 32.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← 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
67.4%
Return on assets
1.7%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
21 d early
2023
14 d early
2022
on the day
2021
32 d early
2020
1 d early
2019
17 d early
← 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 13 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 18 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 oldest company in Beveren-Kruibeke-Zwijndrecht, Administrative and support services sector
Equity
€2.0m▲ 2.5%
2024 · €2.0m
Total assets
€3.0m▼ 1.3%
2024 · €3.0m
Net result
€49,374▼ 75.5%
2024 · €201,524
Working capital
€852,521▲ 13.9%
2024 · €748,615
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,970▼ 49.5%€58,020▲ 547%€174,718▲ 201%€156,486▼ 10.4%€57,493▼ 63.3%
Net result€5,383within the sector's middle half▼ 61.8%€39,021within the sector's middle half▲ 625%€200,091above the sector's middle half▲ 413%€201,524above the sector's middle half▲ 0.7%€49,374within the sector's middle half▼ 75.5%
Equity€1.0mwithin the sector's middle half▲ 0.5%€1.1mwithin the sector's middle half▲ 3.8%€1.3mabove the sector's middle half▲ 19.0%€2.0mabove the sector's middle half▲ 56.0%€2.0mabove the sector's middle half▲ 2.5%
Total assets€1.5mwithin the sector's middle half=€2.2mwithin the sector's middle half▲ 48.1%€2.3mwithin the sector's middle half▲ 6.7%€3.0mwithin the sector's middle half▲ 30.6%€3.0mabove the sector's middle half▼ 1.3%
Debt€445,752▼ 1.1%€1.1m▲ 149%€1.1m▼ 5.0%€1.1m▲ 0.4%€967,746▼ 8.4%
Working capital€61,097within the sector's middle half▼ 87.6%€179,090within the sector's middle half▲ 193%€425,504within the sector's middle half▲ 138%€748,615above the sector's middle half▲ 75.9%€852,521above the sector's middle half▲ 13.9%
Solvency69.5%above the sector's middle half▲ 0.3pp48.7%within the sector's middle half▼ 20.7pp54.3%within the sector's middle half▲ 5.6pp64.9%within the sector's middle half▲ 10.6pp67.4%above the sector's middle half▲ 2.5pp
Current ratio1.35within the sector's middle half▼ 3.682.25within the sector's middle half▲ 0.905.69above the sector's middle half▲ 3.458.96above the sector's middle half▲ 3.2724.52above the sector's middle half▲ 15.56
Return on assets (ROA)0.4%within the sector's middle half▼ 0.6pp1.8%within the sector's middle half▲ 1.4pp8.7%within the sector's middle half▲ 6.9pp6.7%within the sector's middle half▼ 2.0pp1.7%within the sector's middle half▼ 5.0pp
Staff (FTE)0below the sector's middle half0below the sector's middle half0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.0m
Fixed assets
€2.1m ▼ 4.0%
Current assets
€888,767 ▲ 5.5%
Equity and liabilities €3.0m
Equity
€2.0m ▲ 2.5%
Debt
€967,746 ▼ 8.4%
Debt's share of the balance-sheet total falls from 35.1% to 32.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€143,277▼
2024 · €277,566
Cash flow
€135,158▼
2024 · €322,604
Debt to equity
0.48▼
2024 · 0.54
ROE
2.5%▼
2024 · 10.3%
Interest coverage
4.36▼
2024 · 8.51
Debt ≤ 1 year
€36,246▼
2024 · €93,988
Debt > 1 year
€900,000▼
2024 · €915,372
Income taxes
€16,858▼
2024 · €42,175
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €58,448 | €30,520 | €22,223 | ▼ 27.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €219,803 | €227,511 | €147,074 | €121,080 | €85,784 | ▼ 29.2% |
| Other operating charges640/8 | €6,546 | €6,109 | €3,928 | €1,924 | €6,200 | ▲ 222% |
| Non-recurring operating charges66A | €62 | - | - | - | - | - |
| Gross operating margin9900 | €235,381 | €291,640 | €325,720 | €279,490 | €149,476 | ▼ 46.5% |
| Operating profit (loss)9901 | €8,970 | €58,020 | €174,718 | €156,486 | €57,493 | ▼ 63.3% |
| Financial income75/76B | €337 | - | €107,078 | €119,848 | €41,631 | ▼ 65.3% |
| Recurring financial income75 | €337 | - | €107,078 | €119,848 | €41,631 | ▼ 65.3% |
| Financial charges65/66B | €3,164 | €4,794 | €33,306 | €32,636 | €32,891 | ▲ 0.8% |
| Recurring financial charges65 | €3,164 | €4,794 | €33,306 | €32,636 | €32,891 | ▲ 0.8% |
| Profit (loss) for the period before taxes9903 | €6,142 | €53,226 | €248,490 | €243,699 | €66,232 | ▼ 72.8% |
| Income taxes67/77 | €759 | €14,205 | €48,398 | €42,175 | €16,858 | ▼ 60.0% |
| Profit (loss) for the period9904 | €5,383 | €39,021 | €200,091 | €201,524 | €49,374 | ▼ 75.5% |
| Profit (loss) for the period to be appropriated9905 | €5,383 | €39,021 | €200,091 | €201,524 | €49,374 | ▼ 75.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €2.2m | €2.3m | €3.0m | €3.0m | ▼ 1.3% |
| Fixed assets21/28 | €1.2m | €1.8m | €1.8m | €2.2m | €2.1m | ▼ 4.0% |
| Intangible fixed assets21 | €2,816 | €1,712 | €690 | €0 | - | - |
| Tangible fixed assets22/27 | €482,535 | €443,674 | €293,340 | €172,950 | €87,167 | ▼ 49.6% |
| Plant, machinery and equipment23 | €142,666 | €104,805 | €81,269 | €49,992 | €25,189 | ▼ 49.6% |
| Furniture and vehicles24 | €339,869 | €338,869 | €212,072 | €122,959 | €61,978 | ▼ 49.6% |
| Financial fixed assets28 | €737,332 | €1.4m | €1.5m | €2.0m | €2.0m | = |
| Current assets29/58 | €237,318 | €322,599 | €516,149 | €842,603 | €888,767 | ▲ 5.5% |
| Amounts receivable within one year40/41 | €76,715 | €61,297 | €87,919 | €279,063 | €401,276 | ▲ 43.8% |
| Trade receivables40 | €38,326 | €60,721 | €87,573 | €148,908 | €156,951 | ▲ 5.4% |
| Other amounts receivable41 | €38,389 | €576 | €345 | €130,155 | €244,325 | ▲ 87.7% |
| Cash at bank and in hand54/58 | €158,574 | €260,216 | €382,970 | €474,021 | €356,791 | ▼ 24.7% |
| Deferred charges and accrued income490/1 | €2,028 | €1,085 | €45,260 | €89,520 | €130,700 | ▲ 46.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €2.2m | €2.3m | €3.0m | €3.0m | ▼ 1.3% |
| Equity10/15 | €1.0m | €1.1m | €1.3m | €2.0m | €2.0m | ▲ 2.5% |
| Contributions10/11 | €1.0m | €1.0m | €1.0m | €1.5m | €1.5m | = |
| Reserves13 | €32,838 | €32,838 | €253,361 | €454,885 | €504,259 | ▲ 10.9% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Distributable reserves133 | €30,979 | €30,979 | €251,502 | €454,885 | €504,259 | ▲ 10.9% |
| Profit (loss) carried forward14 | -€18,589 | €20,432 | €0 | - | - | - |
| Amounts payable17/49 | €445,752 | €1.1m | €1.1m | €1.1m | €967,746 | ▼ 8.4% |
| Amounts payable after more than one year17 | €269,531 | €965,125 | €930,745 | €915,372 | €900,000 | ▼ 1.7% |
| Financial debts170/4 | €269,531 | €965,125 | €930,745 | €915,372 | €900,000 | ▼ 1.7% |
| Amounts payable within one year42/48 | €176,221 | €143,509 | €90,645 | €93,988 | €36,246 | ▼ 61.4% |
| Current portion of amounts payable after more than one year42 | €135,459 | €104,406 | €34,380 | €15,372 | €15,372 | = |
| Trade debts44 | €40,002 | €20,512 | €17,212 | €39,185 | €11,808 | ▼ 69.9% |
| Suppliers440/4 | €40,002 | €20,512 | €17,212 | €39,185 | €11,808 | ▼ 69.9% |
| Taxes, remuneration and social security45 | €759 | €18,591 | €39,053 | €39,431 | €9,065 | ▼ 77.0% |
| Taxes450/3 | €759 | €18,591 | €39,053 | €39,431 | €9,065 | ▼ 77.0% |
| Accrued charges and deferred income492/3 | - | - | €31,500 | €47,379 | €31,500 | ▼ 33.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,383 | €39,021 | €200,091 | €201,524 | €49,374 | ▼ 75.5% |
| + Depreciation and write-downs630 | €219,803 | €227,511 | €147,074 | €121,080 | €85,784 | ▼ 29.2% |
| Operating cash flow (approximation) | €225,186 | €266,532 | €347,165 | €322,604 | €135,158 | ▼ 58.1% |
| Investment in fixed assets (approximation) | - | -€844,133 | -€97,872 | -€500,000 | €0 | ▲ 100% |
| Change in cash | - | €101,642 | €122,753 | €91,051 | -€117,229 | ▼ 229% |
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
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 24.52
Current ratio from 8.96 to 24.52; short-term debt falls from €93,988 to €36,246.
31-12
Financial
Equity above €2mEq €2.0m ▲2.5%
8 profitable years in a row build equity to €2.0m.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €201,524 ▲0.7%
Net result €201,524, the highest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 5.69
Current ratio from 2.25 to 5.69; short-term debt falls from €143,509 to €90,645.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €5,383 ▼61.8%
Net result drops to €5,383, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1mEq €1.0m ▲1.4%
3 profitable years in a row build equity to €1.0m.
Show earlier events
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
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.
0 of 10 acts read
About the unread acts
We know of 10 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
10 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1986
Ground area
1.1 ha
Building footprint
6,216 m²
Volume, LiDAR
51,126 m³
Parcel 11011A0668/02E002, Flanders · tallest building 15.2 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
BUFINCO
since 19862.028.767.965
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11011A0668/02E002 | Flanders | 1.1 ha | 1 · 6,216 m² | 15.2 m · 3 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.
Structure & network
Owners and holdings
2 owners · 6 holdingsOwners 2
-
50%
- Sourceaccounts LISA 30-06-202550%
Holdings 6
-
100%
-
100%
-
100%
-
100%
-
50%
-
25%
According to the 2025 annual accounts of BUFINCO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,446 companies in sector 77110 we hold annual accounts for 729. 268 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
Founded06-01-1986
Fiscal year end31-12
Legal name
BURCHTSE FINANCIëLE COMPAGNIE
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
77221Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0428420987
Also
9925:BE0428420987
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.