B.A.I.N.
ActiveB.A.I.N. has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-35k) and a net result of €-12k. Equity is shrinking by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-60
Solvency21▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.4 against 0.28 in 2024; short-term debt: 94.5% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-4.1%
Return on assets
-1.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18192122232425
2018 to 2025 · latest year €-35k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
81 d late
2023
61 d late
2022
60 d late
2021
30 d late
2020
31 d late
2019
122 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-35k▼ 54.3%
2024 · €-23k
2018: €227k
2019: €349k
2021: €500k
2022: €405k
2023: €6k
2024: €-23k
2018 → 2025
Total assets
€859k▲ 20.0%
2024 · €716k
2018: €2.95M
2019: €2.96M
2021: €2.25M
2022: €2.18M
2023: €810k
2024: €716k
2018 → 2025
Net result
€-12k
2024 · €50k
2018: €58k
2019: €-180k
2021: €18k
2022: €-95k
2023: €-399k
2024: €50k
2018 → 2025
Working capital
€-486k▼ 3.9%
2024 · €-468k
2018: €1.07M
2019: €984k
2021: €472k
2022: €427k
2023: €-622k
2024: €-468k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€500k-€405k▼ 19.0%€6k▼ 98.6%€-23k€-35k▼ 54.3%
Operating result€61k-€-56k€-458k▼ 713%€56k€-9k
Net result€18k-€-95k€-399k▼ 321%€50k€-12k
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 turns negative in 2025: a loss of €9k after €56k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €859k
Fixed assets
€533k▼ 0.7%
Current assets
€326k▲ 82.4%
Key figures and ratios
EBITDA
€-5k▼
2024 · €60k
Cash flow
€-8k▼
2024 · €54k
Solvency
-4.1%▼
2024 · -3.2%
Current ratio
0.40▲
2024 · 0.28
Quick ratio
0.34▲
2024 · 0.20
Debt / equity
-25.60▲
2024 · -32.62
ROA
-1.4%▼
2024 · 6.9%
Interest coverage
-1.39▼
2024 · 14.35
Debt
€894k▲
2024 · €738k
Debt ≤ 1 year
€812k▲
2024 · €647k
Debt > 1 year
€82k▼
2024 · €92k
Income taxes
€425▼
2024 · €2k
Staff costs
€0▼
2024 · €3k
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€716k€859k▲
Fixed assets21/28€537k€533k▼
Tangible fixed assets22/27€537k€533k▼
Land and buildings22€536k€533k▼
Furniture and vehicles24€469€254▼
Current assets29/58€179k€326k▲
Stocks and contracts in progress3€47k€47k=
Stocks30/36€47k€47k=
Amounts receivable within one year40/41€2k€190k▲
Trade receivables40€2k€170k▲
Other amounts receivable41-€20k
Current investments50/53€90k€90k=
Cash at bank and in hand54/58€40k€63▼
Deferred charges and accrued income490/1€404€0▼
Equity and liabilities
Total equity and liabilities10/49€716k€859k▲
Equity10/15€-23k€-35k▼
Contributions10/11€20k€20k=
Revaluation surpluses12€210k€210k=
Reserves13€8k€8k=
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Profit (loss) carried forward14€-261k€-273k▼
Amounts payable17/49€738k€894k▲
Amounts payable after more than one year17€92k€82k▼
Financial debts170/4€92k€82k▼
Amounts payable within one year42/48€647k€812k▲
Current portion of amounts payable after more than one year42€44k€17k▼
Trade debts44€46k€222k▲
Suppliers440/4€46k€222k▲
Taxes, remuneration and social security45€23k€24k▲
Taxes450/3€23k€24k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€534k€549k▲
Income statement
Code20242025
Non-recurring operating income76A€61k€0▼
Remuneration, social security and pensions62€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€15k€12k▼
Gross operating margin9900€78k€8k▼
Operating profit (loss)9901€56k€-9k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€52k€-12k▼
Income taxes67/77€2k€425▼
Profit (loss) for the period9904€50k€-12k▼
Profit (loss) for the period to be appropriated9905€50k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-261k€-273k▼
Profit (loss) brought forward from the previous period14P€-310k€-261k▲
Transfer from equity791/2€0-
The notes to these accounts (10 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 81 days late
2024
31-12
Financial
Back to profitnet €50k
Net result €50k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €-399k
Net result drops to €-399k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Holsbeek · 1 establishment unit since 1999
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.
Galgenbergstraat 183220 HolsbeekGround area
4,459 m²
Building footprint
182 m²
Volume, LiDAR
1,192 m³
Parcel 24103C0023/00F000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B.A.I.N.
since 19992.268.770.117
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24103C0023/00F000 | Flanders | 4,459 m² | 1 · 182 m² | 9.0 m · 2 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 11,749 companies in sector 68310 we hold annual accounts for 6,907. 2,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-03-1999
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.