BUILDING FOR THE FUTURE
ActiveBUILDING FOR THE FUTURE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €21k. Equity is growing by ~40.2% per year across the filed fiscal years. Its solvency ranks better than 58% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-1
Solvency71▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 2.08 in 2024; short-term debt: 53.6% and cash: 59.3% of total assets), but 53.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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
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
46.4%
Return on assets
11.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
80 d early
2023
28 d early
2022
5 d early
2021
on the day
2020
1 d late
2019
77 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▲ 31.9%
2024 · €66k
2019: €48k
2020: €16k
2021: €19k
2022: €28k
2023: €41k
2024: €66k
2019 → 2025
Total assets
€189k▼ 7.6%
2024 · €204k
2019: €218k
2020: €226k
2021: €233k
2022: €169k
2023: €180k
2024: €204k
2019 → 2025
Net result
€21k▼ 17.1%
2024 · €26k
2019: €5k
2020: €4k
2021: €3k
2022: €9k
2023: €13k
2024: €26k
2019 → 2025
Working capital
€61k▼ 35.1%
2024 · €94k
2019: €-23k
2020: €-21k
2021: €-39k
2022: €65k
2023: €63k
2024: €94k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€28k▲ 48.8%€41k▲ 46.6%€66k▲ 62.4%€88k▲ 31.9%
Operating result€21k-€23k▲ 7.0%€24k▲ 7.3%€44k▲ 79.8%€33k▼ 24.1%
Net result€3k-€9k▲ 256%€13k▲ 42.1%€26k▲ 96.4%€21k▼ 17.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€27k▲ 11.4%
Current assets
€162k▼ 10.1%
Equity and liabilities €189k
Equity
€88k▲ 31.9%
Debt
€101k▼ 26.5%
The debt ratio falls from 67.5% to 53.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▼
2024 · €54k
Cash flow
€30k▼
2024 · €36k
Solvency
46.4%▲
2024 · 32.5%
Current ratio
1.60▼
2024 · 2.08
Quick ratio
1.60▼
2024 · 2.08
Debt / equity
1.16▼
2024 · 2.08
ROE
24.2%▼
2024 · 38.4%
ROA
11.2%▼
2024 · 12.5%
Interest coverage
13.56▼
2024 · 16.55
Debt
€101k▼
2024 · €138k
Debt ≤ 1 year
€101k▲
2024 · €87k
Income taxes
€9k▼
2024 · €15k
Staff costs
€116k▼
2024 · €138k
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€204k€189k▼
Fixed assets21/28€24k€27k▲
Intangible fixed assets21€6k€5k▼
Tangible fixed assets22/27€16k€21k▲
Land and buildings22€12k€11k▼
Furniture and vehicles24€4k€10k▲
Financial fixed assets28€1k€1k=
Current assets29/58€180k€162k▼
Amounts receivable after more than one year29€30k€20k▼
Other amounts receivable291€30k€20k▼
Amounts receivable within one year40/41€101k€14k▼
Trade receivables40€101k€13k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€35k€112k▲
Deferred charges and accrued income490/1€14k€16k▲
Equity and liabilities
Total equity and liabilities10/49€204k€189k▼
Equity10/15€66k€88k▲
Contributions10/11€5k€5k=
Reserves13€33k€33k=
Distributable reserves133€33k€33k=
Profit (loss) carried forward14€29k€50k▲
Amounts payable17/49€138k€101k▼
Amounts payable after more than one year17€51k-
Financial debts170/4€51k-
Amounts payable within one year42/48€87k€101k▲
Current portion of amounts payable after more than one year42€9k€7k▼
Trade debts44€25k€81k▲
Suppliers440/4€25k€81k▲
Taxes, remuneration and social security45€52k€14k▼
Taxes450/3€28k€6k▼
Remuneration and social security454/9€24k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€138k€116k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Other operating charges640/8€1k€4k▲
Gross operating margin9900€194k€162k▼
Operating profit (loss)9901€44k€33k▼
Financial income75/76B€51-
Recurring financial income75€51-
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€40k€30k▼
Income taxes67/77€15k€9k▼
Profit (loss) for the period9904€26k€21k▼
Profit (loss) for the period to be appropriated9905€26k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€50k▼
Profit (loss) brought forward from the previous period14P€29k€29k=
Transfer to equity691/2€26k-
To other reserves6921€26k-
The notes to these accounts (11 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
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €26k ▲96.4%
Operating result €44k, net result €26k, both a record.
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity triplescurrent ratio 1.79
Current ratio from 0.70 to 1.79; short-term debt falls from €129k to €82k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €3k ▼41.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2019
15-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
01-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Watermaal-Bosvoorde · 1 establishment unit since 2009
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.
Hertogendreef 591170 Watermaal-BosvoordeGround area
145 m²
Building footprint
58 m²
Volume, LiDAR
567 m³
Parcel 21652E0069/00V000, Brussels · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hertogendreef 59, 1170 Watermaal-Bosvoorde
since 20092.179.748.960
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0069/00V000 | Brussels | 145 m² | 1 · 58 m² | 11.9 m · 3 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.
Similar companies · same sector, comparable size
SERVICE CENTER GENT
BE 0554.817.234
Wetteren · Eq €88k
STYL'ELEC
BE 0676.869.067
Tournai · Eq €89k
GETRALUX
BE 0415.738.040
Vorst · Eq €94k
ENERGY INITIATIVE
BE 0672.416.470
Ganshoren · Eq €82k
S.C.D.
BE 0436.323.420
La Louvière · Eq €81k
Of 407 companies in sector 95210 we hold annual accounts for 116. 90 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2009
Fiscal year end30-06
Abbreviation FR
B4F
Activities, NACEBEL
71111Activities of building architects
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.b4f.eu
E-mail:info@b4f.eu