BUILDING YOUR FUTURE
ActiveSummary
The annual accounts of BUILDING YOUR FUTURE for fiscal year 2025 show a net loss of 99% of total assets. The 2025 annual accounts show equity of €32,949 and a net result of -€33,748. Equity is shrinking by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 14462 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-9
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 29.07 against 11.24 in 2024; short-term debt: 3.2% and cash: 69.9% of total assets), and 3.2% of the assets are financed with debt.
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Signals
Five 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
96.8%
Return on assets
-99.1%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€33,748
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 30-06-2026, 31 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
31 d early
2024
22 d late
2023
34 d early
2022
18 d early
2021
38 d early
2020
3 d early
2019
50 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 22 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 30 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€32,949▼ 80.2%
2024 · €166,697
Total assets
€34,045▼ 81.4%
2024 · €182,727
Net result
-€33,748▼ 125%
2024 · -€14,980
Working capital
€30,769▼ 81.3%
2024 · €164,173
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€25,410▲ 17.9%-€24,403▲ 4.0%-€13,223▲ 45.8%-€12,254▲ 7.3%-€32,928▼ 169%
Net result-€25,576below the sector's middle half▲ 18.7%-€24,728below the sector's middle half▲ 3.3%-€14,806below the sector's middle half▲ 40.1%-€14,980below the sector's middle half▼ 1.2%-€33,748below the sector's middle half▼ 125%
Equity€221,211within the sector's middle half▼ 10.4%€196,483within the sector's middle half▼ 11.2%€181,677within the sector's middle half▼ 7.5%€166,697within the sector's middle half▼ 8.2%€32,949within the sector's middle half▼ 80.2%
Total assets€249,346within the sector's middle half▲ 0.6%€211,896within the sector's middle half▼ 15.0%€198,402within the sector's middle half▼ 6.4%€182,727within the sector's middle half▼ 7.9%€34,045below the sector's middle half▼ 81.4%
Debt€28,135▲ 2,376%€15,413▼ 45.2%€16,725▲ 8.5%€16,029▼ 4.2%€1,096▼ 93.2%
Working capital€220,407above the sector's middle half▼ 9.4%€195,389above the sector's middle half▼ 11.4%€179,848above the sector's middle half▼ 8.0%€164,173above the sector's middle half▼ 8.7%€30,769within the sector's middle half▼ 81.3%
Solvency88.7%above the sector's middle half▼ 10.8pp92.7%above the sector's middle half▲ 4.0pp91.6%above the sector's middle half▼ 1.2pp91.2%above the sector's middle half▼ 0.3pp96.8%above the sector's middle half▲ 5.6pp
Current ratio8.83above the sector's middle half13.68above the sector's middle half▲ 4.8411.75above the sector's middle half▼ 1.9211.24above the sector's middle half▼ 0.5129.07above the sector's middle half▲ 17.83
Return on assets (ROA)-10.3%below the sector's middle half▲ 2.4pp-11.7%below the sector's middle half▼ 1.4pp-7.5%below the sector's middle half▲ 4.2pp-8.2%below the sector's middle half▼ 0.7pp-99.1%below the sector's middle half▼ 90.9pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €32,928 in 2025 against €12,254 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34,045
Fixed assets
€2,181 ▼ 13.6%
Current assets
€31,865 ▼ 82.3%
Equity and liabilities €34,045
Equity
€32,949 ▼ 80.2%
Debt
€1,096 ▼ 93.2%
Debt's share of the balance-sheet total falls from 8.8% to 3.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€31,529▼
2024 · -€11,203
Cash flow
-€32,349▼
2024 · -€13,929
Debt to equity
0.03▼
2024 · 0.10
ROE
-102.4%▼
2024 · -9.0%
Interest coverage
-47.35▼
2024 · -4.98
Debt ≤ 1 year
€1,096▼
2024 · €16,029
Income taxes
€158▼
2024 · €475
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
3.0%
went bankrupt
9.5%
stopped otherwise
87%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,592 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €9,071 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,524 | €371 | €534 | €1,051 | €1,399 | ▲ 33.1% |
| Other operating charges640/8 | €78 | €73 | €254 | €102 | €133 | ▲ 30.5% |
| Non-recurring operating charges66A | €200 | - | - | - | - | - |
| Gross operating margin9900 | -€21,609 | -€23,960 | -€12,435 | -€11,101 | -€31,395 | ▼ 183% |
| Operating profit (loss)9901 | -€25,410 | -€24,403 | -€13,223 | -€12,254 | -€32,928 | ▼ 169% |
| Financial income75/76B | €157 | €8 | €0 | - | €3 | - |
| Recurring financial income75 | €157 | €8 | €0 | - | €3 | - |
| Financial charges65/66B | €141 | €75 | €1,246 | €2,250 | €666 | ▼ 70.4% |
| Recurring financial charges65 | €141 | €75 | €1,246 | €2,250 | €666 | ▼ 70.4% |
| Profit (loss) for the period before taxes9903 | -€25,394 | -€24,471 | -€14,469 | -€14,504 | -€33,591 | ▼ 132% |
| Income taxes67/77 | €183 | €258 | €337 | €475 | €158 | ▼ 66.9% |
| Profit (loss) for the period9904 | -€25,576 | -€24,728 | -€14,806 | -€14,980 | -€33,748 | ▼ 125% |
| Profit (loss) for the period to be appropriated9905 | -€25,576 | -€24,728 | -€14,806 | -€14,980 | -€33,748 | ▼ 125% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €249,346 | €211,896 | €198,402 | €182,727 | €34,045 | ▼ 81.4% |
| Fixed assets21/28 | €804 | €1,093 | €1,829 | €2,524 | €2,181 | ▼ 13.6% |
| Tangible fixed assets22/27 | €804 | €1,093 | €1,829 | €2,524 | €2,181 | ▼ 13.6% |
| Plant, machinery and equipment23 | €804 | €1,093 | €1,829 | €2,524 | €2,181 | ▼ 13.6% |
| Current assets29/58 | €248,542 | €210,803 | €196,573 | €180,202 | €31,865 | ▼ 82.3% |
| Amounts receivable within one year40/41 | - | €1,451 | €92,030 | €98,722 | €6,609 | ▼ 93.3% |
| Trade receivables40 | - | €151 | €91,121 | €91,262 | €1,153 | ▼ 98.7% |
| Other amounts receivable41 | - | €1,299 | €909 | €7,460 | €5,456 | ▼ 26.9% |
| Cash at bank and in hand54/58 | €248,134 | €207,727 | €102,107 | €78,043 | €23,796 | ▼ 69.5% |
| Deferred charges and accrued income490/1 | €408 | €1,625 | €2,436 | €3,437 | €1,460 | ▼ 57.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €249,346 | €211,896 | €198,402 | €182,727 | €34,045 | ▼ 81.4% |
| Equity10/15 | €221,211 | €196,483 | €181,677 | €166,697 | €32,949 | ▼ 80.2% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €201,211 | €176,483 | €161,677 | €146,697 | €12,949 | ▼ 91.2% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | €2,000 | €2,000 | - | - | - | - |
| Distributable reserves133 | €199,211 | €174,483 | €161,677 | €146,697 | €12,949 | ▼ 91.2% |
| Amounts payable17/49 | €28,135 | €15,413 | €16,725 | €16,029 | €1,096 | ▼ 93.2% |
| Amounts payable within one year42/48 | €28,135 | €15,413 | €16,725 | €16,029 | €1,096 | ▼ 93.2% |
| Trade debts44 | €868 | €5,165 | €2,849 | €2,903 | €938 | ▼ 67.7% |
| Suppliers440/4 | €868 | €5,165 | €2,849 | €2,903 | €938 | ▼ 67.7% |
| Taxes, remuneration and social security45 | €26,062 | €10,249 | €13,876 | €13,126 | €158 | ▼ 98.8% |
| Taxes450/3 | €26,062 | €10,249 | €13,876 | €13,126 | €158 | ▼ 98.8% |
| Other amounts payable47/48 | €1,205 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,576 | -€24,728 | -€14,806 | -€14,980 | -€33,748 | ▼ 125% |
| + Depreciation and write-downs630 | €3,524 | €371 | €534 | €1,051 | €1,399 | ▲ 33.1% |
| Operating cash flow (approximation) | -€22,052 | -€24,358 | -€14,271 | -€13,929 | -€32,349 | ▼ 132% |
| Investment in fixed assets (approximation) | - | -€660 | -€1,270 | -€1,746 | -€1,055 | ▲ 39.6% |
| Change in cash | - | -€40,407 | -€105,620 | -€24,064 | -€54,248 | ▼ 125% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€33,748
Net result drops to -€33,748, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 29.07
Current ratio from 11.24 to 29.07; short-term debt falls from €16,029 to €1,096.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €267,230
Net result €267,230 after one loss-making year.
31-12
Financial
Liquidity times 119current ratio 119.11
Current ratio from 1.00 to 119.11; short-term debt falls from €613,998 to €2,297.
31-12
Financial
Equity above €200,000Eq €278,232 ▲2,429%
Equity rises from €11,002 to €278,232.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Londerzeel · 1 establishment unit since 2018
Ground area
9,008 m²
Building footprint
879 m²
Volume, LiDAR
7,338 m³
Parcel 23045E0239/00X000, Flanders · tallest building 19.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BUILDING YOUR FUTURE
since 20182.271.901.534
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23045E0239/00X000 | Flanders | 9,008 m² | 1 · 879 m² | 19.9 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.
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Of 9,695 companies in this sector we hold annual accounts for 7,393. 4,639 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded19-01-2018
Fiscal year end31-12
Abbreviation NL
BYF
Activities, NACEBEL 2025
68121Development of residential building projects
68110Buying and selling of own real estate
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0688691882
Also
9925:BE0688691882
Registered
14-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.