BUFFL
ActiveSummary
BUFFL has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1.81M) and a net result of €-132k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 1638 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▲+23
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.69 against 0.83 in 2024; short-term debt: 50.7% and cash: 10.8% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-142.8%
Return on assets
-10.4%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-1.81M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
7 d early
2024
13 d early
2023
12 d early
2022
1 d early
2021
on the day
2020
4 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-1.81M▼ 7.9%
2024 · €-1.68M
2019: €70k
2020: €383k
2021: €219k
2022: €37k
2023: €-994k
2024: €-1.68M
2019 → 2025
Total assets
€1.27M▼ 14.7%
2024 · €1.49M
2019: €112k
2020: €465k
2021: €703k
2022: €1.02M
2023: €1.65M
2024: €1.49M
2019 → 2025
Net result
€-132k▲ 80.7%
2024 · €-685k
2019: €18k
2020: €313k
2021: €-164k
2022: €-182k
2023: €-1.03M
2024: €-685k
2019 → 2025
Working capital
€-200k▼ 52.0%
2024 · €-132k
2019: €66k
2020: €183k
2021: €-38k
2022: €115k
2023: €370k
2024: €-132k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€219k-€37k▼ 83.3%€-994k€-1.68M▼ 68.9%€-1.81M▼ 7.9%
Operating result€-155k-€-164k▼ 5.6%€-962k▼ 487%€-529k▲ 45.0%€21k
Net result€-164k-€-182k▼ 11.2%€-1.03M▼ 465%€-685k▲ 33.6%€-132k▲ 80.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €529k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€825k ▼ 0.6%
Current assets
€443k ▼ 32.6%
Key figures and ratios
EBITDA
€324k▲
2024 · €-264k
Cash flow
€171k▲
2024 · €-420k
Solvency
-142.8%▼
2024 · -112.9%
Current ratio
0.69▼
2024 · 0.83
Debt to equity
-1.70▲
2024 · -1.89
ROA
-10.4%▲
2024 · -46.0%
Interest coverage
2.06▲
2024 · -1.69
Debt
€3.08M▼
2024 · €3.17M
Debt ≤ 1 year
€643k▼
2024 · €789k
Debt > 1 year
€1.84M▼
2024 · €2.05M
Income taxes
€-4k▼
2024 · €-528
Staff costs
€649k▼
2024 · €1.05M
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.49M€1.27M▼
Fixed assets21/28€830k€825k▼
Intangible fixed assets21€824k€820k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€4k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€657k€443k▼
Amounts receivable within one year40/41€381k€273k▼
Trade receivables40€361k€258k▼
Other amounts receivable41€20k€16k▼
Cash at bank and in hand54/58€164k€138k▼
Deferred charges and accrued income490/1€112k€32k▼
Equity and liabilities
Total equity and liabilities10/49€1.49M€1.27M▼
Equity10/15€-1.68M€-1.81M▼
Contributions10/11€57k€57k=
Reserves13€878€878=
Distributable reserves133€878€878=
Profit (loss) carried forward14€-1.74M€-1.87M▼
Amounts payable17/49€3.17M€3.08M▼
Amounts payable after more than one year17€2.05M€1.84M▼
Financial debts170/4€2.05M€1.84M▼
Amounts payable within one year42/48€789k€643k▼
Current portion of amounts payable after more than one year42€327k€274k▼
Financial debts43€32k€41k▲
Credit institutions430/8€32k€41k▲
Trade debts44€282k€192k▼
Suppliers440/4€282k€192k▼
Taxes, remuneration and social security45€118k€136k▲
Taxes450/3€19k€75k▲
Remuneration and social security454/9€99k€61k▼
Other amounts payable47/48€30k€0▼
Accrued charges and deferred income492/3€326k€599k▲
Income statement
Code20242025
Non-recurring operating income76A-€92
Remuneration, social security and pensions62€1.05M€649k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€265k€303k▲
Other operating charges640/8€342€367▲
Non-recurring operating charges66A€4k€405▼
Gross operating margin9900€787k€973k▲
Operating profit (loss)9901€-529k€21k▲
Financial income75/76B€39€27▼
Recurring financial income75€39€27▼
Financial charges65/66B€156k€157k▲
Recurring financial charges65€156k€157k▲
Profit (loss) for the period before taxes9903€-685k€-136k▲
Income taxes67/77€-528€-4k▼
Profit (loss) for the period9904€-685k€-132k▲
Profit (loss) for the period to be appropriated9905€-685k€-132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.74M€-1.87M▼
Profit (loss) brought forward from the previous period14P€-1.05M€-1.74M▼
Social balance
Average headcount (FTE)908712.99.0▼
The notes to these accounts (30 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-1.03M
Net result drops to €-1.03M, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
30-06
Financial
Highest result since 2019net €313k ▲1679%
Operating result €324k, net result €313k, both a record.
30-06
Financial
Equity above €200kEq €383k ▲444%
2 profitable years in a row build equity to €383k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Mechelen · 1 establishment unit since 2018
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.
Stationsstraat 552800 MechelenGround area
2,242 m²
Building footprint
1,010 m²
Parcel 12403D0040/00W005, Flanders. Linked by address, not a title deed.
1 establishment unit
BUFFL
since 20182.272.786.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403D0040/00W005 | Flanders | 2,242 m² | 1 · 1,010 m² | - |
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 to 2025 · 8 entries · 63,931 EUR awarded · 63,496 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 435 EUR | 37,500 EUR |
| 2024 | 2 | 5,850 EUR | 5,850 EUR |
| 2023 | 2 | 52,471 EUR | 19,021 EUR |
| 2022 | 1 | 5,175 EUR | 1,125 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Werkbaarheidscheque (stopgezet)
Recognitions · licences · registrations
Legal Entity Identifier
699400AKHYFVH5JTJY54
Similar companies · same sector, comparable size
YOUMEN
BE 0635.612.987
Antwerpen · Eq €36,489
HOSE
BE 0676.531.448
Liège · Eq €36,300
BELGIAN MARKETING COMPANY
BE 0476.793.602
Hove · Eq €37,259
VERACX
BE 0798.142.724
Grimbergen · Eq €37,334
BOLDER
BE 0798.596.842
Dinant · Eq €35,767
Of 2,713 companies in sector 73200 we hold annual accounts for 1,783. 1,059 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.