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B&D Law

Active
KBO/BCE: BE 0754.790.751
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Age5 yrs
Real estate1 parcel · 652 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of B&D Law is 0.3% (very low). The 2025 annual accounts show equity of €44k and a net result of €113k. Its solvency ranks better than 21% of 4723 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 4723 sector peers (2025).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-04-2026, 107 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 15-04-2026 107 d early 2026-00080035

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.3% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€113k
Working capital€-30k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 15-04-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 13.2% 55.5%
better than 21% of 4723 sector peers
Net result €113k €38k
better than 88% of 4722 sector peers
Equity €44k €64k
better than 40% of 4723 sector peers
Gross operating margin €170k €61k
better than 88% of 4715 sector peers
Total assets €333k €146k
better than 79% of 4723 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenue-
EBITDA€169k
Net profit€113k
Cash flow€129k
Staff costs-
Income taxes€40k
Dividends€90k
Total assets€333k
Equity€44k
Debt€289k
of which ≤ 1y€176k
of which > 1y€112k
Working capital€-30k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.83
Quick ratio0.83
Working capital ratio-9.1%
Solvency13.2%
Debt / equity6.58
Long-term debt ratio2.56
Interest coverage102.31
Gross margin-
Net margin-
ROA34.1%
ROE258.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€333k
Fixed assets 21/28€187k
Tangible fixed assets 22/27€34k
Financial fixed assets 28€153k
Current assets 29/58€146k
Amounts receivable within one year 40/41€77k
Investments 50/53€24k
Cash & bank 54/58€42k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€333k
Equity 10/15€44k
Contributions / capital 10/11€20k
Reserves 13€24k
Amounts payable 17/49€289k
Amounts payable after one year 17€112k
Amounts payable within one year 42/48€176k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€170k
Operating result 9901€153k
Financial income 75€2k
Financial charges 65€2k
Result before taxes 9903€154k
Income taxes 67/77€40k
Net result for the period 9904€113k
Result to be appropriated 9905€113k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
48 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Boudewijnlaan 28020 Oostkamp

Establishment units

1 location
B&D Consult
Boudewijnlaan 2, 8020 OostkampOverige rechtskundige dienstverlening
since 20202.309.095.688
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area652 m²
Buildings1
Building footprint119 m²
Volume (LiDAR)1,020 m³
Tallest building12.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31403H0712/00Z000 Flanders 652 m² 1 · 119 m² 12.2 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
All acts · 2 updated 10 months ago
2025
30-09-2025 Publication in the Belgian Official Gazette, Minor change Minor change·Peter VAN MELKEBEKE
Summary: Statutes changeNotary: Peter VAN MELKEBEKE · BrusselFirm: BERQUIN NOTARISSEN
2023
01-02-2023 Act object · Board meeting · Power of attorney · Permanent representative Open-capture extraction
  • Act object: Procurations · BDO Advisory
  • Publication: 01/02/2023 · BDO Advisory
  • Filing: 24/01/2023 · BDO Advisory
  • Board meeting: 24/11/2022 · BDO Advisory
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · S&R SRL
  • Permanent representative · Anne-Charlotte Lelièvre
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · B&D Consult SComm
  • Permanent representative · Bram Demeester
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · Esseci SRL
  • Permanent representative · Steven Cornand
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · KTalyst SRL
  • Permanent representative · Audrey Kindt
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · Atis Capital SRL
  • Permanent representative · Mathieu Decroix
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · Insights Consulting SRL
  • Permanent representative · Christophe Daems
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · Pevigo SRL
  • Permanent representative · Grégory de Streel
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · JZA SRL
  • Permanent representative · Joren Zandbergen
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 01/10/2022 · Karoe SRL
  • Permanent representative · Jo Wyns
  • Power of attorney: scope: procuration spéciale «catégorie B», start_date: 26/10/2022 · JW Holdco SComm
  • Permanent representative · Jo Wyns
  • Power of attorney: scope: procuration spéciale «catégorie B», revocation_date: 26/10/2022 · Karoe SRL
  • Power of attorney: scope: procuration spéciale «catégorie B», revocation_date: 30/09/2022 · Tibocon SRL
  • Filing representative: accomplir les formalités nécessaires en matière modification de l'immatriculation de la société au registre des personnes morales aux guichets d'affaires agréés, au greffe du tribunal de commerce et à l'administration TVA · Marion Dreesen
  • Filing representative: accomplir les formalités nécessaires en matière modification de l'immatriculation de la société au registre des personnes morales aux guichets d'affaires agréés, au greffe du tribunal de commerce et à l'administration TVA · Karen Keuleers
Summary: Act object · Board meeting · Power of attorney · Permanent representative

Analysis

Snowflake analysis

financial profile on 5 axes
Health48Profitability100Solvency16Growth-Stability79
61 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 48
Profitability 100
Solvency 16
Growth -
Stability 79

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,322 of the 81,966 companies in this sector. 12,717 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL B&D Law
Registered office
Boudewijnlaan 2
8020 Oostkamp, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.