Bull Proof
ActiveThe computed 12-month bankruptcy probability of Bull Proof is 1.6% (moderate). The 2025 annual accounts show equity of €279k and a net result of €92k. Equity is growing by ~59.8% per year across the filed fiscal years. Its solvency ranks better than 86% of 27451 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 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
Profitability100▲+4
Solvency100▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 5.81 against 3.14 in 2024; short-term debt: 16.3% and cash: 55.2% of total assets), and 18.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
81.8%
Return on assets
27%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
29 d late
2024
50 d late
2023
68 d late
2022
14 d early
2021
31 d late
2020
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€279k▲ 49.2%
2024 · €187k
2020: €21k
2021: €16k
2022: €64k
2023: €127k
2024: €187k
2020 → 2025
Total assets
€341k▲ 25.9%
2024 · €271k
2020: €51k
2021: €70k
2022: €168k
2023: €266k
2024: €271k
2020 → 2025
Net result
€92k▲ 53.3%
2024 · €60k
2020: €13k
2021: €-5k
2022: €48k
2023: €63k
2024: €60k
2020 → 2025
Working capital
€267k▲ 91.4%
2024 · €139k
2020: €20k
2021: €1k
2022: €40k
2023: €75k
2024: €139k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€64k▲ 307%€127k▲ 99.0%€187k▲ 47.2%€279k▲ 49.2%
Operating result€-5k-€62k€86k▲ 37.8%€80k▼ 6.7%€129k▲ 60.5%
Net result€-5k-€48k€63k▲ 31.2%€60k▼ 5.0%€92k▲ 53.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 60% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €341k
Fixed assets
€19k▼ 71.7%
Current assets
€322k▲ 57.5%
Equity and liabilities €341k
Equity
€279k▲ 49.2%
Debt
€62k▼ 25.9%
The debt ratio falls from 31.0% to 18.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€142k▲
2024 · €101k
Cash flow
€105k▲
2024 · €81k
Solvency
81.8%▲
2024 · 69.0%
Current ratio
5.81▲
2024 · 3.14
Quick ratio
5.81▲
2024 · 3.14
Debt / equity
0.22▼
2024 · 0.45
ROE
33.0%▲
2024 · 32.1%
ROA
27.0%▲
2024 · 22.1%
Interest coverage
21.34▲
2024 · 17.83
Debt
€62k▼
2024 · €84k
Debt ≤ 1 year
€55k▼
2024 · €65k
Debt > 1 year
€7k▼
2024 · €19k
Income taxes
€32k▲
2024 · €16k
Staff costs
€2k▼
2024 · €21k
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€271k€341k▲
Fixed assets21/28€66k€19k▼
Tangible fixed assets22/27€63k€19k▼
Plant, machinery and equipment23€44k€7k▼
Furniture and vehicles24€2k€491▼
Leasing and similar rights25€18k€11k▼
Financial fixed assets28€3k-
Current assets29/58€204k€322k▲
Amounts receivable within one year40/41€56k€130k▲
Trade receivables40€49k€90k▲
Other amounts receivable41€7k€39k▲
Cash at bank and in hand54/58€148k€188k▲
Deferred charges and accrued income490/1€426€4k▲
Equity and liabilities
Total equity and liabilities10/49€271k€341k▲
Equity10/15€187k€279k▲
Contributions10/11€100€100=
Reserves13€187k€279k▲
Distributable reserves133€187k€279k▲
Amounts payable17/49€84k€62k▼
Amounts payable after more than one year17€19k€7k▼
Financial debts170/4€19k€7k▼
Amounts payable within one year42/48€65k€55k▼
Current portion of amounts payable after more than one year42€23k€10k▼
Financial debts43-€17k
Credit institutions430/8-€17k
Trade debts44€34k€25k▼
Suppliers440/4€34k€25k▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€2k-
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62€21k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€13k▼
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A-€31k
Gross operating margin9900€124k€178k▲
Operating profit (loss)9901€80k€129k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€76k€124k▲
Income taxes67/77€16k€32k▲
Profit (loss) for the period9904€60k€92k▲
Profit (loss) for the period to be appropriated9905€60k€92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€92k▲
Transfer to equity691/2€60k€92k▲
To other reserves6921€60k€92k▲
The notes to these accounts (9 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Highest result since 2020net €92k ▲53.3%
Operating result €129k, net result €92k, both a record.
31-12
Financial
Equity above €200kEq €279k ▲49.2%
4 profitable years in a row build equity to €279k.
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
2024
31-12
Financial
Equity above €150kEq €187k ▲47.2%
3 profitable years in a row build equity to €187k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Equity above €100kEq €127k ▲99%
2 profitable years in a row build equity to €127k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-5k ▼141%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Edegem · 1 establishment unit since 2018
Ground area
339 m²
Building footprint
97 m²
Volume, LiDAR
692 m³
Parcel 11472B0080/00D009, Flanders · tallest building 8.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bull Proof
since 20182.283.484.918
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0080/00D009 | Flanders | 339 m² | 1 · 97 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 207 EUR awarded · 207 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 207 EUR | 207 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
De Bouwerie
BE 0667.554.295
Brugge · Eq €279k
DCF SUPPORT
BE 0736.332.542
Brakel · Eq €279k
JIMMY BREUGELMANS
BE 0825.553.142
Geel · Eq €279k
RUBUS-XL
BE 0477.038.674
Stekene · Eq €278k
Z.S.
BE 0473.619.920
Mons · Eq €279k
Of 15,542 companies in sector 43990 we hold annual accounts for 7,421. 5,487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-2018
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43990Other specialised construction activities
43999Specialised construction activities
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
25510Coating of metals
25610Manufacture of fabricated metal products, except machinery and equipment
56210Event catering
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.