Financials
- Fiscal year
- 2025
- Turnover
- €16.5m
- Profit
- €900,298
- Solvency
- 53.5%
Turnover▲ 1.1%
Net result
20202025
AD BIBENDUM
ActiveSummary
AD BIBENDUM has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10.0m and a net result of €900,298. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 5451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
What they do
Wholesale of beverages, general range
NACE 46349Wholesale of wines and spirits NACE 46341
#5 company by equity in Sint-Truiden, Wholesale and retail trade sector1 site
How big
€16.5mturnover 2025
- Staff
- 17.6 FTE
- Equity
- €10.0m
- Profit
- €900,298
Who decides
- Parent
- BM CONSULT · 100%
- Board
- 1 member
- Holdings
- 3
Accounts 2 d early1 of 6 deeds read
Why 92- Liquidity: current ratio 4.39, cash €350,172+ Founded in 1997+ Profit of €900,298 (FY 2025)+ Equity €10.0m (53.5% of total assets)Show the evidence
Checked score
Score 2025
92
/ 100
Excellent
Probability in this band: under 0.55%
Better than 60% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
79+5
equity 53.5% of total assets
Liquidity
46-3
short-term debt 19.7% · cash 1.9%
Profitability
71-5
return on assets 4.8%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Founded in 1997 lowers the probability for this profile
- Liquidity: current ratio 4.39, cash €350,172 raises the probability
- Profit of €900,298 (FY 2025) lowers the probability
- Equity €10.0m (53.5% of total assets) lowers the probability
Credit up to €900,000 at 30 days acceptable
Liquidity ample (current ratio 4.39 against 4.74 in 2024; short-term debt: 19.7% and cash: 1.9% of total assets), and 46.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, small). Better than this share of them on solvency 62%, liquidity 55%, profitability 62%, growth against the median 59%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
366 d late
2022
26 d early
2021
5 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 47 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 29 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close02-10-2026 today31-01-2027 deadline
- Resignation: BM Consult BV (director)Appointment: BM Consult BV (director)…
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · full…
Key points
- Positive: Company by equity in Sint-Truiden, Wholesale and retail…in the Checked rankings #5 View
- Controlled by BM CONSULTitself parent of 3 companies 100% View
- Positive: 4 years of growth in a rowturnover 2025: €16.5m 4 years View
- Caution: Result fell in 2025from €1.3m to €900,298 ▼ 28.6% View
- New directorlatest change 01-05-2026 · 1 in office 1 joined View
By topic
Board & ownership
- Board
- 1 member
- Parent
- BM CONSULT · 100%
Go to Board & ownership
Network & group
- Subsidiaries
- 3
3 subsidiaries
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-01-2027
- 08-07-2026Resignation: BM Consult BV (director)
- 29-01-2026Annual accounts filed
- 31-01-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Wholesale of beverages, general rangeNACE 46349
- Founded
- 20-10-1997
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.