BUYLE FRANS
ActiveSummary
BUYLE FRANS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €1k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 93% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▲+2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 6.31 against 12.85 in 2024; short-term debt: 10.7% and cash: 3.6% of total assets), and 10.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
89.3%
Return on assets
2.1%
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 24-04-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
9 d late
2023
14 d late
2022
632 d late
2021
20 d late
2020
11 d late
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 4.2%
2024 · €49k
2018: €45k
2019: €55k▲ +23.4% vs 2018highest in 8 years
2020: €53k▼ -3.3% vs 2019
2021: €54k▲ +1.2% vs 2020
2022: €44k▼ -18.1% vs 2021lowest in 8 years
2023: €49k▲ +10.7% vs 2022
2024: €49k▲ +0.2% vs 2023
2025: €47k▼ -4.2% vs 2024
2018 → 2025
Total assets
€53k▲ 2.0%
2024 · €52k
2018: €77k
2019: €85k▲ +10.2% vs 2018highest in 8 years
2020: €68k▼ -19.8% vs 2019
2021: €66k▼ -3.0% vs 2020
2022: €47k▼ -28.5% vs 2021lowest in 8 years
2023: €51k▲ +6.8% vs 2022
2024: €52k▲ +1.7% vs 2023
2025: €53k▲ +2.0% vs 2024
2018 → 2025
Net result
€1k▲ 1,209%
2024 · €83
2018: €8k
2019: €10k▲ +29.2% vs 2018highest in 8 years
2020: €-2k▼ -117% vs 2019
2021: €616▲ +134% vs 2020
2022: €-10k▼ -1690% vs 2021lowest in 8 years
2023: €5k▲ +148% vs 2022
2024: €83▼ -98.2% vs 2023
2025: €1k▲ +1209% vs 2024
2018 → 2025
Working capital
€30k▼ 1.2%
2024 · €30k
2018: €37k
2019: €48k▲ +31.8% vs 2018
2020: €48k▲ +0.1% vs 2019highest in 8 years
2021: €32k▼ -33.0% vs 2020
2022: €23k▼ -28.7% vs 2021lowest in 8 years
2023: €29k▲ +27.5% vs 2022
2024: €30k▲ +2.9% vs 2023
2025: €30k▼ -1.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€44k▼ 18.1%€49k▲ 10.7%€49k▲ 0.2%€47k▼ 4.2%
2021: €54khighest in 5 years
2022: €44k▼ -18.1% vs 2021lowest in 5 years
2023: €49k▲ +10.7% vs 2022
2024: €49k▲ +0.2% vs 2023
2025: €47k▼ -4.2% vs 2024
Operating result€1k-€-10k€5k€241▼ 95.3%€1k▲ 502%
2021: €1k
2022: €-10k▼ -816% vs 2021lowest in 5 years
2023: €5k▲ +152% vs 2022highest in 5 years
2024: €241▼ -95.3% vs 2023
2025: €1k▲ +502% vs 2024
Net result€616-€-10k€5k€83▼ 98.2%€1k▲ 1,209%
2021: €616
2022: €-10k▼ -1690% vs 2021lowest in 5 years
2023: €5k▲ +148% vs 2022highest in 5 years
2024: €83▼ -98.2% vs 2023
2025: €1k▲ +1209% vs 2024
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 502% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€17k ▼ 9.0%
Current assets
€36k ▲ 8.3%
Equity and liabilities €53k
Equity
€47k ▼ 4.2%
Debt
€6k ▲ 121%
Debt's share of the balance-sheet total rises from 5.0% to 10.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▲
2024 · €2k
Cash flow
€3k▲
2024 · €2k
Current ratio
6.31▼
2024 · 12.85
Quick ratio
5.17▼
2024 · 5.25
Debt to equity
0.12▲
2024 · 0.05
ROE
2.3%▲
2024 · 0.2%
ROA
2.1%▲
2024 · 0.2%
Interest coverage
14.17▲
2024 · 13.33
Debt ≤ 1 year
€6k▲
2024 · €3k
Income taxes
€178
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€52k€53k▲
Fixed assets21/28€19k€17k▼
Tangible fixed assets22/27€19k€17k▼
Land and buildings22€17k€16k▼
Plant, machinery and equipment23€309€151▼
Furniture and vehicles24€926€474▼
Financial fixed assets28€50€50=
Current assets29/58€33k€36k▲
Stocks and contracts in progress3€19k€6k▼
Stocks30/36€6k€2k▼
Contracts in progress37€14k€4k▼
Amounts receivable within one year40/41€8k€25k▲
Trade receivables40€4k€17k▲
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€52k€53k▲
Equity10/15€49k€47k▼
Contributions10/11€6k€6k=
Reserves13€41k€41k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€2k€-206▼
Amounts payable17/49€3k€6k▲
Amounts payable within one year42/48€3k€6k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€318€178▼
Taxes450/3€318€178▼
Other amounts payable47/48€35€35=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€1k€4k▲
Gross operating margin9900€4k€7k▲
Operating profit (loss)9901€241€1k▲
Financial income75/76B€0€35▲
Recurring financial income75€0€35▲
Financial charges65/66B€158€221▲
Recurring financial charges65€158€221▲
Profit (loss) for the period before taxes9903€83€1k▲
Income taxes67/77-€178
Profit (loss) for the period9904€83€1k▲
Profit (loss) for the period to be appropriated9905€83€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-206▼
Profit (loss) brought forward from the previous period14P€2k€-1k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €2k | €2k | €2k | €2k | ▼ 9.7% |
| Other operating charges640/8 | €2k | €1k | €2k | €1k | €4k | ▲ 155% |
| Gross operating margin9900 | €10k | €-7k | €9k | €4k | €7k | ▲ 91.5% |
| Operating profit (loss)9901 | €1k | €-10k | €5k | €241 | €1k | ▲ 502% |
| Financial income75/76B | €61 | €45 | €79 | €0 | €35 | ▲ 13,724% |
| Recurring financial income75 | €61 | €45 | €79 | €0 | €35 | ▲ 13,724% |
| Financial charges65/66B | €286 | €173 | €186 | €158 | €221 | ▲ 40.0% |
| Recurring financial charges65 | €286 | €173 | €186 | €158 | €221 | ▲ 40.0% |
| Profit (loss) for the period before taxes9903 | €1k | €-10k | €5k | €83 | €1k | ▲ 1,425% |
| Income taxes67/77 | €508 | - | €248 | - | €178 | - |
| Profit (loss) for the period9904 | €616 | €-10k | €5k | €83 | €1k | ▲ 1,209% |
| Profit (loss) for the period to be appropriated9905 | €616 | €-10k | €5k | €83 | €1k | ▲ 1,209% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €66k | €47k | €51k | €52k | €53k | ▲ 2.0% |
| Fixed assets21/28 | €22k | €21k | €19k | €19k | €17k | ▼ 9.0% |
| Tangible fixed assets22/27 | €22k | €21k | €19k | €19k | €17k | ▼ 9.1% |
| Land and buildings22 | €21k | €20k | €18k | €17k | €16k | ▼ 6.2% |
| Plant, machinery and equipment23 | €599 | €335 | €466 | €309 | €151 | ▼ 51.1% |
| Furniture and vehicles24 | €293 | €1k | €460 | €926 | €474 | ▼ 48.8% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €45k | €26k | €31k | €33k | €36k | ▲ 8.3% |
| Stocks and contracts in progress3 | €11k | €12k | €8k | €19k | €6k | ▼ 66.9% |
| Stocks30/36 | €2k | €2k | €2k | €6k | €2k | ▼ 61.7% |
| Contracts in progress37 | €9k | €10k | €6k | €14k | €4k | ▼ 69.1% |
| Amounts receivable within one year40/41 | €12k | €1k | €5k | €8k | €25k | ▲ 205% |
| Trade receivables40 | €12k | €774 | €3k | €4k | €17k | ▲ 288% |
| Other amounts receivable41 | - | €333 | €2k | €4k | €8k | ▲ 109% |
| Cash at bank and in hand54/58 | €19k | €11k | €17k | €3k | €2k | ▼ 39.5% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €2k | €2k | ▲ 11.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €66k | €47k | €51k | €52k | €53k | ▲ 2.0% |
| Equity10/15 | €54k | €44k | €49k | €49k | €47k | ▼ 4.2% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €41k | €41k | €41k | €41k | €41k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €39k | €39k | €39k | €39k | €39k | = |
| Profit (loss) carried forward14 | €7k | €-3k | €2k | €2k | €-206 | ▼ 111% |
| Amounts payable17/49 | €12k | €3k | €2k | €3k | €6k | ▲ 121% |
| Amounts payable within one year42/48 | €12k | €3k | €2k | €3k | €6k | ▲ 121% |
| Current portion of amounts payable after more than one year42 | €1k | - | - | - | - | - |
| Trade debts44 | €8k | €3k | €2k | €2k | €5k | ▲ 146% |
| Suppliers440/4 | €8k | €3k | €2k | €2k | €5k | ▲ 146% |
| Taxes, remuneration and social security45 | €3k | - | €129 | €318 | €178 | ▼ 43.9% |
| Taxes450/3 | €3k | - | €129 | €318 | €178 | ▼ 43.9% |
| Remuneration and social security454/9 | €27 | - | - | - | - | - |
| Other amounts payable47/48 | - | €35 | - | €35 | €35 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €616 | €-10k | €5k | €83 | €1k | ▲ 1,209% |
| + Depreciation and write-downs630 | €7k | €2k | €2k | €2k | €2k | ▼ 9.7% |
| Operating cash flow (approximation) | €7k | €-8k | €7k | €2k | €3k | ▲ 42.1% |
| Investment in fixed assets (approximation) | - | €-1k | €-266 | €-1k | €0 | ▲ 100% |
| Change in cash | - | €-8k | €6k | €-14k | €-1k | ▲ 91.1% |
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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 9 days late
21-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 632 days late
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
30-09
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 17.43
Current ratio from 8.00 to 17.43; short-term debt falls from €3k to €2k.
2022
30-09
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 8.00
Current ratio from 3.60 to 8.00; short-term debt falls from €12k to €3k.
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 20 days late
2021
30-09
Financial
Back to profitnet €616
Net result €616 after one loss-making year.
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-09
Financial
Highest result since 2018net €10k ▲29.2%
Operating result €15k, net result €10k, both a record.
07-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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
3 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, Berlare · 1 establishment unit since 1990
Ground area
812 m²
Building footprint
243 m²
Volume, LiDAR
464 m³
2 parcels, Flanders · tallest building 5.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bieststraat(B) 4 B, 9290 Berlare
since 19902.049.541.704
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003B0164/00M000 | Flanders | 580 m² | 1 · 103 m² | 5.7 m · 2 fl. |
| 42003C0374/00G002 | Flanders | 233 m² | 1 · 141 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,014 companies in sector 43310 we hold annual accounts for 1,746. 1,514 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-09-1990
Fiscal year end30-09
Activities, NACEBEL 2025
43310Plastering work
Scores and ratios are computed by Checked and are not a credit decision.