À BLOC
ActiveThe computed 12-month bankruptcy probability of À BLOC is 1.7% (moderate). The 2025 annual accounts show equity of €167k and a net result of €-4k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 44% of 18039 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+4
Solvency52▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.41 against 2.25 in 2024; short-term debt: 21.1% and cash: 0.3% of total assets), but 73.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
6 d early
2023
32 d early
2022
2 d early
2021
146 d late
2020
284 d late
2019
34 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€167k▼ 2.4%
2024 · €171k
2019: €47k
2020: €101k
2021: €119k
2022: €74k
2023: €174k
2024: €171k
2019 → 2025
Total assets
€625k▼ 12.5%
2024 · €714k
2019: €490k
2020: €537k
2021: €497k
2022: €542k
2023: €843k
2024: €714k
2019 → 2025
Net result
€-4k▼ 28.8%
2024 · €-3k
2019: €29k
2020: €53k
2021: €18k
2022: €55k
2023: €482
2024: €-3k
2019 → 2025
Working capital
€185k▼ 11.2%
2024 · €209k
2019: €117k
2020: €146k
2021: €113k
2022: €116k
2023: €220k
2024: €209k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€74k▼ 38.0%€174k▲ 137%€171k▼ 1.8%€167k▼ 2.4%
Operating result€27k-€70k▲ 160%€16k▼ 77.3%€18k▲ 10.1%€15k▼ 13.9%
Net result€18k-€55k▲ 208%€482▼ 99.1%€-3k€-4k▼ 28.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €625k
Fixed assets
€308k▼ 9.1%
Current assets
€317k▼ 15.5%
Equity and liabilities €625k
Equity
€167k▼ 2.4%
Debt
€458k▼ 15.7%
The debt ratio falls from 76.1% to 73.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€46k▼
2024 · €54k
Cash flow
€27k▼
2024 · €33k
Solvency
26.7%▲
2024 · 23.9%
Current ratio
2.41▲
2024 · 2.25
Quick ratio
0.27▼
2024 · 0.33
Debt / equity
2.75▼
2024 · 3.18
ROE
-2.5%▼
2024 · -1.9%
ROA
-0.7%▼
2024 · -0.4%
Interest coverage
3.08▲
2024 · 2.59
Debt
€458k▼
2024 · €543k
Debt ≤ 1 year
€132k▼
2024 · €167k
Debt > 1 year
€327k▼
2024 · €376k
Income taxes
€6k
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€714k€625k▼
Fixed assets21/28€339k€308k▼
Tangible fixed assets22/27€339k€308k▼
Land and buildings22€207k€198k▼
Plant, machinery and equipment23€13k€6k▼
Furniture and vehicles24€17k€13k▼
Other tangible fixed assets26€102k€91k▼
Current assets29/58€375k€317k▼
Stocks and contracts in progress3€321k€282k▼
Stocks30/36€321k€282k▼
Amounts receivable within one year40/41€42k€33k▼
Trade receivables40€17k€8k▼
Other amounts receivable41€25k€25k=
Cash at bank and in hand54/58€12k€2k▼
Equity and liabilities
Total equity and liabilities10/49€714k€625k▼
Equity10/15€171k€167k▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€100k€100k=
Distributable reserves133€100k€100k=
Profit (loss) carried forward14€52k€48k▼
Amounts payable17/49€543k€458k▼
Amounts payable after more than one year17€376k€327k▼
Financial debts170/4€258k€216k▼
Other amounts payable178/9€118k€111k▼
Amounts payable within one year42/48€167k€132k▼
Current portion of amounts payable after more than one year42€44k€42k▼
Financial debts43€67k€54k▼
Credit institutions430/8€67k€54k▼
Trade debts44€15k€6k▼
Suppliers440/4€15k€6k▼
Advances received on contracts in progress46€13k€0▼
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€10k€13k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€18k€15k▼
Accrued charges and deferred income492/3€511€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€31k▼
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€82€202▲
Gross operating margin9900€57k€49k▼
Operating profit (loss)9901€18k€15k▼
Financial income75/76B€175€2k▲
Recurring financial income75€175€152▼
Non-recurring financial income76B-€2k
Financial charges65/66B€21k€15k▼
Recurring financial charges65€21k€15k▼
Profit (loss) for the period before taxes9903€-3k€2k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€-3k€-4k▼
Profit (loss) for the period to be appropriated9905€-3k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€48k▼
Profit (loss) brought forward from the previous period14P€56k€52k▼
The notes to these accounts (11 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series.
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €174k ▲137%
5 profitable years in a row build equity to €174k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2019net €55k ▲208%
Operating result €70k, net result €55k, both a record.
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 146 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 284 days late
2020
30-09
Financial
Equity above €100kEq €101k ▲113%
2 profitable years in a row build equity to €101k.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beernem · 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.
Parkstraat 338730 BeernemGround area
349 m²
Building footprint
211 m²
Parcel 31003F0902/00Z004, Flanders. Linked by address, not a title deed.
1 establishment unit
À BLOC
since 20182.280.089.720
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003F0902/00Z004 | Flanders | 349 m² | 1 · 211 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeernem2.280.089.720
Similar companies · same sector, comparable size
BOLBIKES
BE 0795.942.507
Heusden-Zolder · Eq €167k
BIKE2MOVE
BE 0755.855.474
Herentals · Eq €165k
Asfra Fietsen
BE 0778.587.326
Oudenaarde · Eq €169k
DIMA
BE 0471.015.073
Zoutleeuw · Eq €164k
LUNA'S BIKES
BE 0761.542.347
Bonheiden · Eq €163k
Of 1,467 companies in sector 47632 we hold annual accounts for 732. 638 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-09-2018
Fiscal year end30-09
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.