B. FAÇADES
ActiveThe computed 12-month bankruptcy probability of B. FAÇADES is 2.9% (moderate). The 2025 annual accounts show equity of €2k and a net result of €14k. Equity is shrinking by ~34.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 27619 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+98
Solvency28▲+28
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · 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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 27619 sector peers (2025).
NBB · sector comparisonPosition among 27619 sector peers
Solvency
better than 10%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
29 d late
2023
22 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k
2024 · €-12k
2023: €6k
2024: €-12k
2023 → 2025
Total assets
€61k▲ 52.4%
2024 · €40k
2023: €30k
2024: €40k
2023 → 2025
Net result
€14k
2024 · €-18k
2023: €3k
2024: €-18k
2023 → 2025
Working capital
€4k
2024 · €-25k
2023: €-6k
2024: €-25k
2023 → 2025
Multi-year overview
Available amounts per fiscal year
Line202320242025Trend
Equity€6k-€-12k€2k
Operating result€4k-€-17k€16k
Net result€3k-€-18k€14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €17k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€4k▼ 83.4%
Current assets
€57k▲ 282%
Equity and liabilities €61k
Equity
€2k
Debt
€59k
Debt finances 97.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€20k▲
2024 · €-5k
Cash flow
€18k▲
2024 · €-6k
Solvency
3.0%▲
2024 · -30.7%
Current ratio
1.08▲
2024 · 0.37
Quick ratio
1.08▲
2024 · 0.37
Debt / equity
32.54▲
2024 · -4.26
ROE
774.8%
ROA
23.1%▲
2024 · -45.4%
Interest coverage
25.73▲
2024 · -4.68
Debt
€59k▲
2024 · €53k
Debt ≤ 1 year
€53k▲
2024 · €40k
Debt > 1 year
€7k▼
2024 · €13k
Income taxes
€943▲
2024 · €258
Staff costs
€48k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€40k€61k▲
Fixed assets21/28€25k€4k▼
Tangible fixed assets22/27€25k€4k▼
Furniture and vehicles24€25k€4k▼
Current assets29/58€15k€57k▲
Amounts receivable within one year40/41€6k€19k▲
Trade receivables40€4k€17k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€7k€35k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€40k€61k▲
Equity10/15€-12k€2k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-17k€-3k▲
Amounts payable17/49€53k€59k▲
Amounts payable after more than one year17€13k€7k▼
Financial debts170/4€13k€7k▼
Amounts payable within one year42/48€40k€53k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€6k€16k▲
Suppliers440/4€6k€16k▲
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€2k€2k▼
Remuneration and social security454/9€1k€6k▲
Other amounts payable47/48€25k€23k▼
Income statement
Code20242025
Non-recurring operating income76A-€608
Remuneration, social security and pensions62-€48k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€4k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€-3k€71k▲
Operating profit (loss)9901€-17k€16k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€1k€784▼
Recurring financial charges65€1k€784▼
Profit (loss) for the period before taxes9903€-18k€15k▲
Income taxes67/77€258€943▲
Profit (loss) for the period9904€-18k€14k▲
Profit (loss) for the period to be appropriated9905€-18k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-3k▲
Profit (loss) brought forward from the previous period14P€945€-17k▼
The notes to these accounts (8 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
10-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director discharge3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director discharge3 facts ▸
- General meeting, 30/06/2026
- Director resignation, ABEDINAJ Luan (administrateur)
- Director discharge, ABEDINAJ Luan
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.08
Current ratio from 0.37 to 1.08.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-18k ▼800%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-06-2026
Resigned as Director
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2023
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.
Rue Charles Lamquet(JB) 1965100 NamurGround area
120 m²
Building footprint
122 m²
Volume, LiDAR
1,012 m³
Parcel 92067A0272/00M000, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B. FAÇADES
since 20232.347.146.711
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92067A0272/00M000 | Wallonia | 120 m² | 1 · 122 m² | 10.2 m · 3 fl. |
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.
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Of 11,139 companies in sector 43910 we hold annual accounts for 5,486. 797 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2023
Fiscal year end31-12
Activities, NACEBEL
43910Bricklaying and masonry work
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
43990Other specialised construction activities
43992Specialised construction activities
43995Specialised construction activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.