Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 39 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BBK from La Louvière, company number BE0441507970, closed financial year 2025 with a result of € 41,136 after tax. For that financial year BBK recorded revenue of € 5.1 million and equity of € 2.6 million. Compared with financial year 2024, the result moved from € 75,096 to € 41,136. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 26, 2026.
€ 2.6 million
▲ 36% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 41,136
▼ 45% vs 2024
Profit after tax over the fiscal year.
€ 64,638
▲ 29% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -1.2 million.
People and assets in 2025
35.1
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 2 million
▲ 18% vs 2024
€ 57,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 19,754
▼ 36% vs 2024
Of which on lease € 11,436.
Debts at end 2025
€ 1.7 million
▼ 5% vs 2024
€ 481,095 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 767,346
▲ 66% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 112 days on average.
€ 1.2 million
▲ 19% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 4,324,169 | € 5,176,441 | € 2,322,103 | € 5,067,717 | ▲ 118% |
| Profit after taxes | € 50,005 | € 75,863 | € 75,096 | € 41,136 | ▼ 45% |
| Equity | € 1,792,573 | € 1,809,644 | € 1,921,512 | € 2,614,151 | ▲ 36% |
| Total debts | € 3,865,656 | € 3,116,382 | € 4,857,238 | € 4,366,113 | ▼ 10% |
| Cash | € 119,976 | € 33,518 | € 50,019 | € 64,638 | ▲ 29% |
| Land & buildings | € 969,739 | € 939,145 | € 913,288 | € 1,582,500 | ▲ 73% |
| Retained profit | € -1,464,923 | € -1,363,202 | € -1,262,248 | € -1,195,254 | ▲ € 66,994 |
| Bank debt | € 1,682,215 | € 1,400,187 | € 1,796,786 | € 1,712,373 | ▼ 5% |
| Balance sheet total | € 5,658,229 | € 4,926,026 | € 6,778,750 | € 6,980,264 | ▲ 3% |
| Employees (FTE) | 36.9 | 35.4 | 35.5 | 35.1 | ▼ 0.4 |
Key figures of BBK, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to BBK?
What happened at BBK in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- yannik ruffel stepped down as director. NBB
- david cuvelier stepped down as director. NBB
- VPG S.A. stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 41,136 (▼ 45% vs 2024). Source: NBB ↗
- VPG S.A. became a director. NBB
- yannik ruffel became a director. NBB
- david cuvelier became a director. NBB
- New establishment in La Louvière. KBO
In short
From € 50,005 profit in 2022 to € 41,136 profit in 2025.
Paid € 10,000 in corporate taxes since 2022.
Best year ever: 2023, with € 75,863 profit.
Pays suppliers within 112 days on average.
Management
Directors
According to the 2025 annual accounts
yannik ruffel
Managing director
since 2019 · until 2031
david cuvelier
Managing director
since 2019 · until 2031
Director · represented by Vincent Pissart
Also active at: BATIMENT ET TECHNIQUE, COPILOT, EXPLOTECH, ADAM PUMPS, INDEXPLUS, DEEGITAL, LEVITA, 18.24 Agency +2 more
since 2022 · until 2027
Establishments
Establishment units
Physical locations of this company
Chaussée Paul Houtart(H-G) 158
7110 La Louvière
Chaussée Paul Houtart(H-A) 158
7110 La Louvière
Active since 3 July 2008
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0441.507.970
- VAT number
- BE 0441.507.970
- Registered office
- Chaussée Paul Houtart(H-G) 158, 7110 La Louvière
- Names & denominations
- BBK
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 10 July 1990
- Peppol
- Active · Active since 20 Nov 2020
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