Equity
€83,453 ▲ 14.4%
Buvens Bjorn has made a profit in every financial year since 2020.
Buvens Bjorn
Lifetime
6 annual accounts with figures on one time axispeak €46,901 (2020)
€18,892▼ 38.0%
peak €30,163 (2020)
€10,486▼ 7.8%
peak €83,453 (2025)
€83,453▲ 14.4%
€35,016▲ 127%
Board1 name since 2019
1 directorBUVENS Bjorn
Documentsfilings and deeds
30-03-202631 days before the deadline
2025micro format
Gross margin from €30,450 to €18,892Equity from €72,968 to €83,453Debts from €15,438 to €35,016Cash from €1,436 to €2,599
Key points
from the 2025 annual accountsChecked score
66
Healthy
Financially stronger than 57% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.7%
01-2025: 1.9%▲ +0.2 percentage points vs 12-2024
02-2025: 1.9%● unchanged vs 01-2025
03-2025: 1.9%● unchanged vs 02-2025
04-2025: 1.9%● unchanged vs 03-2025highest value
05-2025: 1.2%▼ -0.7 percentage points vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025
07-2025: 1.3%▲ +0.1 percentage points vs 06-2025
08-2025: 1.2%▼ -0.1 percentage points vs 07-2025
09-2025: 1.2%● unchanged vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 1.2%● unchanged vs 10-2025
12-2025: 1.2%● unchanged vs 11-2025
01-2026: 1.3%▲ +0.1 percentage points vs 12-2025
02-2026: 1.4%▲ +0.1 percentage points vs 01-2026
03-2026: 1.2%▼ -0.2 percentage points vs 02-2026
04-2026: 1.1%▼ -0.1 percentage points vs 03-2026
05-2026: 1.1%● unchanged vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 1.1%● unchanged vs 06-2026
08-2026: 1.1%● unchanged vs 07-2026
09-2026: 1.1%● unchanged vs 08-2026
10-2026: 1.1%● unchanged vs 09-2026lowest value
11-2026: 1.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €118,469
Founded in 2019
Sector: Specialised construction activities (NACE 43)
Liquidity: current ratio 3.32, cash €2,599
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 76% of them on solvency, 30% on liquidity, 59% on profitability and 61% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as Buvens Bjorn has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Buvens Bjorn itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Buvens Bjorn. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.32 (5.6 in 2024), above the usual 1.5. Short-term debt is 29.6% and cash 2.2% of total assets. 29.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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 days early
2024
29 days early
2023
7 days early
2022
3 days early
2021
2 days late
2020
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 11 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 24 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Board and ownership
- BUVENS Bjorn 95 sharesdeed of 30-12-2019
- VANDEREYT Kelly Maria Valentina 5 sharesdeed of 30-12-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0740457220
Incorporation
Founding capital of €5,000, 100 shares · Founder: VANDEREYT Kelly Maria Valentina · Appointment: BUVENS Bjorn (director) · published on 30-12-2019 · Gazette deed
First establishment
Klusjesdienst, renovaties Buvens Bjorn, Bokrijkseweg 40, Zonhoven
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Buvens Bjorn Zonhoven | €118,469 | €18,892 | 70.4% | - |
| Cosemans Wood & More Zonhoven | €119,887 | €16,229 | 47.8% | - |
| RDV Houthalen-Helchteren | €101,699 | €19,836 | 48.7% | - |
| VADARO Herk-de-Stad | €113,981 | €21,794 | 32.0% | - |
| M-interieur Lommel | €133,770 | €20,116 | 16.6% | - |
| FADOS Gistel | €115,592 | €18,700 | 19.9% | - |
| Philip Lecoque Mol | €109,577 | €18,048 | 0.8% | - |
These companies have the same main activity as Buvens Bjorn: joinery installation (NACE 43320). They are comparable in size and age: total assets between €102,000 and €134,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 24-12-2019Normal situation
- Activity
- Joinery installationNACE 43320and 1 other
- Establishment unit
- 2.297.465.9823520 Zonhoven, since 24-12-2019
- Financial year end
- 30 September
- Peppol
- Reachable since 24-11-2023
Annual accounts to 30-09-2025
- €118,469▲ 34.0%
- Filing
- Filed on 30-03-2026, 31 days before the end of the filing period
Insights on Buvens Bjorn
Buvens Bjorn files the micro format. That format states no turnover. The gross margin fell from €46,901 in 2020 to €18,892 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Buvens Bjorn
- What is the company number of Buvens Bjorn?
- The company number of Buvens Bjorn is 0740.457.220. The VAT number is the same number with BE in front: BE 0740.457.220.
- Where is Buvens Bjorn based?
- The registered office is at Bokrijkseweg 40, 3520 Zonhoven.Company details
- What does Buvens Bjorn do?
- According to the KBO register, the main activity is joinery installation (NACE 43320).
- What is the legal form of Buvens Bjorn?
- Buvens Bjorn is a private limited company (BV).
- When was Buvens Bjorn founded?
- Buvens Bjorn was founded on 24-12-2019.
- Is Buvens Bjorn still active?
- Yes, Buvens Bjorn is an active enterprise in the KBO register.
- What is the turnover of Buvens Bjorn?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €18,892 and 56 comparable companies (NACE 43320). It probably lies between €120,000 and €370,000. It is a rough estimate.Financials
- Is Buvens Bjorn profitable?
- In financial year 2025, Buvens Bjorn made a profit of €10,486.
- Where can I find the annual accounts of Buvens Bjorn?
- Buvens Bjorn filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Buvens Bjorn due?
- Buvens Bjorn must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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