Buvens Bjorn
ActiveThe computed 12-month bankruptcy probability of Buvens Bjorn is 1.9% (moderate). The 2025 annual accounts show equity of €83k and a net result of €10k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 27787 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-5
Solvency95▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.32 against 5.6 in 2024; short-term debt: 29.6% and cash: 2.2% of total assets), and 29.6% 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
70.4%
Return on assets
8.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
29 d early
2023
7 d early
2022
3 d early
2021
2 d late
2020
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 14.4%
2024 · €73k
2020: €35k
2021: €49k
2022: €55k
2023: €62k
2024: €73k
2020 → 2025
Total assets
€118k▲ 34.0%
2024 · €88k
2020: €106k
2021: €129k
2022: €105k
2023: €91k
2024: €88k
2020 → 2025
Net result
€10k▼ 7.8%
2024 · €11k
2020: €30k
2021: €14k
2022: €5k
2023: €7k
2024: €11k
2020 → 2025
Working capital
€81k▲ 14.6%
2024 · €71k
2020: €24k
2021: €39k
2022: €41k
2023: €45k
2024: €71k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€55k▲ 10.7%€62k▲ 12.8%€73k▲ 18.5%€83k▲ 14.4%
Operating result€21k-€10k▼ 52.8%€11k▲ 11.1%€17k▲ 55.7%€15k▼ 12.4%
Net result€14k-€5k▼ 62.5%€7k▲ 32.1%€11k▲ 62.5%€10k▼ 7.8%
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 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€2k▲ 4.8%
Current assets
€116k▲ 34.7%
Equity and liabilities €118k
Equity
€83k▲ 14.4%
Debt
€35k▲ 127%
The debt ratio rises from 17.5% to 29.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€17k▼
2024 · €22k
Cash flow
€12k▼
2024 · €15k
Solvency
70.4%▼
2024 · 82.5%
Current ratio
3.32▼
2024 · 5.60
Quick ratio
3.32▼
2024 · 5.60
Debt / equity
0.42▲
2024 · 0.21
ROE
12.6%▼
2024 · 15.6%
ROA
8.9%▼
2024 · 12.9%
Interest coverage
9.11▼
2024 · 43.20
Debt
€35k▲
2024 · €15k
Debt ≤ 1 year
€35k▲
2024 · €15k
Income taxes
€6k▼
2024 · €7k
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€88k€118k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€2k€1k▼
Current assets29/58€86k€116k▲
Amounts receivable after more than one year29€41k€41k=
Other amounts receivable291€41k€41k=
Amounts receivable within one year40/41€43k€71k▲
Trade receivables40€14k€19k▲
Other amounts receivable41€28k€52k▲
Cash at bank and in hand54/58€1k€3k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€88k€118k▲
Equity10/15€73k€83k▲
Contributions10/11€5k€5k=
Reserves13€68k€78k▲
Distributable reserves133€68k€78k▲
Amounts payable17/49€15k€35k▲
Amounts payable within one year42/48€15k€35k▲
Trade debts44€8k€13k▲
Suppliers440/4€8k€13k▲
Advances received on contracts in progress46-€9k
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€7k€13k▲
Income statement
Code20242025
Non-recurring operating income76A€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€30k€19k▼
Operating profit (loss)9901€17k€15k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€499€2k▲
Recurring financial charges65€499€2k▲
Profit (loss) for the period before taxes9903€18k€17k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€11k€10k▼
Profit (loss) for the period to be appropriated9905€11k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€10k▼
Transfer to equity691/2€11k€10k▼
To other reserves6921€11k€10k▼
The notes to these accounts (5 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 5.60
Current ratio from 2.52 to 5.60; short-term debt falls from €29k to €15k.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €5k ▼62.5%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zonhoven · 1 establishment unit since 2019
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.
Bokrijkseweg 403520 ZonhovenGround area
885 m²
Building footprint
191 m²
Volume, LiDAR
1,125 m³
Parcel 71443E0761/00S000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Klusjesdienst, renovaties Buvens Bjorn
since 20192.297.465.982
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0761/00S000 | Flanders | 885 m² | 1 · 191 m² | 8.6 m · 2 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.
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WoodyWood Belgium
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,137. 7,692 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2019
Fiscal year end30-09
Activities, NACEBEL
43320Joinery installation
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.