BSF SERVICES
ActiveSummary
BSF SERVICES has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €280k and a net result of €193k. Equity is growing by ~72.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 1037 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+11
Solvency66▲+26
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 0.67 in 2024; short-term debt: 45% and cash: 40.2% of total assets), and 59.4% of the assets are financed with debt.
Credit advice 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 · 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
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
40.6%
Return on assets
27.9%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
30 d late
2024
53 d late
2023
54 d late
2022
67 d late
2021
37 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 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
€280k▲ 220%
2024 · €87k
2021: €22k
2022: €51k
2023: €52k
2024: €87k
2021 → 2025
Total assets
€690k▲ 18.2%
2024 · €584k
2021: €72k
2022: €170k
2023: €417k
2024: €584k
2021 → 2025
Net result
€193k▲ 101%
2024 · €96k
2021: €20k
2022: €29k
2023: €80k
2024: €96k
2021 → 2025
Working capital
€121k
2024 · €-146k
2021: €6k
2022: €6k
2023: €-16k
2024: €-146k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€51k▲ 130%€52k▲ 0.8%€87k▲ 69.2%€280k▲ 220%
Operating result€28k-€41k▲ 44.0%€97k▲ 138%€143k▲ 47.8%€263k▲ 83.3%
Net result€20k-€29k▲ 43.0%€80k▲ 177%€96k▲ 19.1%€193k▲ 101%
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 has risen four years in a row; 2025 is 83% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €690k
Fixed assets
€258k ▼ 9.4%
Current assets
€432k ▲ 44.5%
Equity and liabilities €690k
Equity
€280k ▲ 220%
Debt
€410k ▼ 17.4%
Debt's share of the balance-sheet total falls from 85.0% to 59.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€310k▲
2024 · €189k
Cash flow
€240k▲
2024 · €141k
Current ratio
1.39▲
2024 · 0.67
Debt to equity
1.46▼
2024 · 5.67
ROE
68.8%▼
2024 · 109.5%
ROA
27.9%▲
2024 · 16.4%
Interest coverage
35.12▼
2024 · 47.74
Debt ≤ 1 year
€311k▼
2024 · €444k
Debt > 1 year
€99k▲
2024 · €52k
Income taxes
€62k▲
2024 · €44k
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€584k€690k▲
Fixed assets21/28€285k€258k▼
Tangible fixed assets22/27€275k€248k▼
Plant, machinery and equipment23€31k€40k▲
Furniture and vehicles24€238k€204k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€10k€10k=
Current assets29/58€299k€432k▲
Amounts receivable within one year40/41€211k€154k▼
Trade receivables40€206k€129k▼
Other amounts receivable41€5k€25k▲
Cash at bank and in hand54/58€88k€277k▲
Equity and liabilities
Total equity and liabilities10/49€584k€690k▲
Equity10/15€87k€280k▲
Contributions10/11€2k€2k=
Capital10€2k€2k=
Issued capital100€2k€2k=
Profit (loss) carried forward14€85k€278k▲
Amounts payable17/49€496k€410k▼
Amounts payable after more than one year17€52k€99k▲
Financial debts170/4€52k€99k▲
Amounts payable within one year42/48€444k€311k▼
Current portion of amounts payable after more than one year42€26k€104k▲
Trade debts44€288k€132k▼
Suppliers440/4€288k€132k▼
Advances received on contracts in progress46€38k€38k=
Taxes, remuneration and social security45€72k€38k▼
Taxes450/3€72k€38k▼
Other amounts payable47/48€22k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€47k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€193k€314k▲
Operating profit (loss)9901€143k€263k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€140k€254k▲
Income taxes67/77€44k€62k▲
Profit (loss) for the period9904€96k€193k▲
Profit (loss) for the period to be appropriated9905€96k€193k▲
Appropriation of the result
Profit (loss) to be appropriated9906€145k€278k▲
Profit (loss) brought forward from the previous period14P€50k€85k▲
Profit to be distributed694/7€60k-
Return on contributions (dividend)694€60k-
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-12
Financial
Highest result since 2021net €193k ▲101%
Operating result €263k, net result €193k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.39
Current ratio from 0.67 to 1.39; short-term debt falls from €444k to €311k.
31-12
Financial
Equity above €200kEq €280k ▲220%
5 profitable years in a row build equity to €280k.
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zaventem · 1 establishment unit since 2020
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.
Imperiastraat 161930 ZaventemGround area
6,449 m²
Building footprint
1,945 m²
Volume, LiDAR
14,372 m³
2 parcels, Brussels, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BSF SERVICES
since 20202.309.386.292
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0011/00F000 | Flanders | 6,293 m² | 1 · 1,789 m² | 11.8 m · 2 fl. |
| 21304B0049/00H003 | Brussels | 155 m² | 1 · 156 m² | 13.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CBN CLEANING
BE 0640.971.743
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TUNA CAR CLEANING
BE 0865.628.394
Ravels · Eq €279,826
STAR WASH
BE 0444.949.787
Mont-Saint-Guibert · Eq €282,343
Washpoint
BE 0838.689.219
Geel · Eq €282,383
WASH SPILMONT BOUSSU
BE 0478.019.265
Saint-Ghislain · Eq €283,959
Of 3,209 companies in sector 95316 we hold annual accounts for 752. 431 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
Founded06-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
43350Other building finishing work
46900Non-specialised wholesale trade
62100Computer programming
63910Web portal activities
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.