Losses
-€18,715 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
BONAY
Lifetime
17 annual accounts with figures on one time axispeak €1.3m (2022)
€35,686▲ 108%
lowest -€26,027 (2016)
-€11,783▼ €4,851
peak €1.2m (2023)
€1.2m▼ 1.0%
€601,064▼ 36.9%
peak 0 FTE (2022)
-not published
Board1 name since 2019
1 directorROSSEL, Bernard
Documentsfilings and deeds
30-04-2026on the last day
2025abbreviated format
Gross margin from €17,130 to €35,686Loss of €11,783Debts from €952,146 to €601,064Cash from €419,454 to €270,178
Key points
from the 2025 annual accountsFilings
17 annual accounts since 2009
Two of the last ten came late. The 2022 accounts came latest: 730 days after the end of the period.
Position in the sector
-€11,783
Lower net result than 85% of companies in head offices and management consultancy. Sector median €37,527 · 10,855 companies.
Checked score
93
Excellent
Financially stronger than 45% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.8%▼ -0.1 percentage points vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 1.0%▲ +0.2 percentage points vs 03-2025highest value
05-2025: 0.1%▼ -0.9 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 of the last 3 accounts late
lowers risk
Size: total assets €1.8m
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 17.33, cash €270,178
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 70, micro). It does better than 62% of them on solvency, 61% on liquidity, 20% on profitability and 37% on growth.
The bankruptcy probability was computed on 08-11-2026 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 very low class on 30-06-2025, 0.1% 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, 2,686 companies had the same profile as BONAY has now. Each dot stands for 7 companies, two years later.
93.7%
were still trading
5.4%
stopped another way
0.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BONAY itself: < 0.1% 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 2,686 companies, not a prediction for BONAY. 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 €110,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 17.33 (17.69 in 2024), above the usual 1.5. Short-term debt is 5.3% and cash 14.8% of total assets. 32.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises 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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
364 days late
2022
730 days late
2021
33 days early
2020
16 days early
2019
9 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 148 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 30 April (4 of the last 5 accounts filed within 365 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0806632105
Change of role: ROSSEL, Bernard, from manager to director
“VOOR EIGEN REKENING,VOOR REKENING VAN DERDEN,OF IN DEELNEMING MET DERDEN,BIJDRAGEN TOT DE VESTIGING EN DE…” (deed in Dutch) · Legal-form conversion: to private limited company · Director discharge: ROSSEL, Bernard · Gazette deed
First establishment
Voordelaan 26, Sint-Martens-Latem
Incorporation
published on 06-10-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BONAY Sint-Martens-Latem | €1.8m | €35,686 | 67.1% | - |
| Xandress Invest Beveren-Kruibeke-Zwijndrecht | €2.0m | €38,142 | 78.7% | - |
| TDB Temse | €1.6m | €30,759 | 96.8% | - |
| GROUP K.B. Beveren-Kruibeke-Zwijndrecht | €1.8m | €31,857 | 36.7% | - |
| DaVinci Consult Maarkedal | €1.9m | €43,974 | 57.8% | - |
| LEEMANS MANAGEMENT SERVICES Aalst | €1.7m | €31,170 | 80.0% | - |
| STADEC Ypres | €1.9m | €37,589 | 47.2% | - |
These companies have the same main activity as BONAY: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1.6m and €2m, founded between 2005 and 2011.
Official details
Source: KBO- Status
- Active since 26-09-2008Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.173.857.4969831 Sint-Martens-Latem, since 24-10-2008
- Financial year end
- 30 September
- Peppol
- Reachable since 16-12-2025
Annual accounts to 30-09-2025
- ≈ €93,000estimated
- €1.8m▼ 16.6%
- Filing
- Filed on 30-04-2026, on the last day of the filing period
Insights on BONAY
BONAY files the abbreviated format. That format states no turnover. The gross margin fell from €53,324 in 2009 to €35,686 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 BONAY
- What is the company number of BONAY?
- The company number of BONAY is 0806.632.105. The VAT number is the same number with BE in front: BE 0806.632.105.
- Where is BONAY based?
- The registered office is at Voordelaan 26, 9831 Sint-Martens-Latem.Company details
- What does BONAY do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of BONAY?
- BONAY is a private limited company (BV).
- When was BONAY founded?
- BONAY was founded on 26-09-2008.
- Is BONAY still active?
- Yes, BONAY is an active enterprise in the KBO register.
- What is the turnover of BONAY?
- The turnover in financial year 2025 is ≈ €93,000. This figure is estimated from the gross margin of €35,686 and 69 comparable companies (NACE 70200). It probably lies between €57,000 and €140,000.Financials
- Is BONAY profitable?
- In financial year 2025, BONAY made a loss of €11,783.
- Where can I find the annual accounts of BONAY?
- BONAY filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BONAY due?
- BONAY must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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