B&B Koerier
ActiveThe computed 12-month bankruptcy probability of B&B Koerier is 4.8% (elevated). The 2025 annual accounts show equity of €35k and a net result of €6k. Equity is growing by ~43.6% per year across the filed fiscal years. Its solvency ranks better than 82% of 474 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency96▲+6
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 2.6 against 1.73 in 2024; short-term debt: 29.2% and cash: 0.7% of total assets), and 29.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 53
Relative position
BE, all sectors
reference
Sector 53
higher
← fewer bankruptcies
more bankruptcies →
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
70.8%
Return on assets
13.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
28 d early
2023
6 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 22.7%
2024 · €28k
2023: €10k
2024: €28k
2023 → 2025
Total assets
€49k▲ 12.8%
2024 · €44k
2023: €22k
2024: €44k
2023 → 2025
Net result
€6k▼ 64.7%
2024 · €18k
2023: €9k
2024: €18k
2023 → 2025
Working capital
€23k▲ 108%
2024 · €11k
2023: €-3k
2024: €11k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€28k▲ 181%€35k▲ 22.7%
Operating result€12k-€24k▲ 99.9%€8k▼ 64.9%
Net result€9k-€18k▲ 101%€6k▼ 64.7%
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 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€12k▼ 31.7%
Current assets
€37k▲ 41.9%
Equity and liabilities €49k
Equity
€35k▲ 22.7%
Debt
€14k▼ 5.8%
The debt ratio falls from 35.0% to 29.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €29k
Cash flow
€12k▼
2024 · €24k
Solvency
70.8%▲
2024 · 65.0%
Current ratio
2.60▲
2024 · 1.73
Quick ratio
2.60▲
2024 · 1.73
Debt / equity
0.41▼
2024 · 0.54
ROE
18.5%▼
2024 · 64.4%
ROA
13.1%▼
2024 · 41.9%
Interest coverage
82.42▼
2024 · 320.84
Debt
€14k▼
2024 · €15k
Debt ≤ 1 year
€14k▼
2024 · €15k
Income taxes
€3k▼
2024 · €6k
Staff costs
€18k▲
2024 · €5k
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€44k€49k▲
Fixed assets21/28€17k€12k▼
Tangible fixed assets22/27€8k€3k▼
Furniture and vehicles24€8k€3k▼
Financial fixed assets28€9k€9k=
Current assets29/58€26k€37k▲
Amounts receivable within one year40/41€21k€36k▲
Trade receivables40€7k€7k▼
Other amounts receivable41€14k€30k▲
Cash at bank and in hand54/58€5k€359▼
Deferred charges and accrued income490/1€548€577▲
Equity and liabilities
Total equity and liabilities10/49€44k€49k▲
Equity10/15€28k€35k▲
Contributions10/11€1k€1k=
Reserves13€27k€34k▲
Distributable reserves133€27k€34k▲
Amounts payable17/49€15k€14k▼
Amounts payable within one year42/48€15k€14k▼
Trade debts44€37€630▲
Suppliers440/4€37€630▲
Taxes, remuneration and social security45€15k€14k▼
Taxes450/3€12k€12k▲
Remuneration and social security454/9€3k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€5k€18k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€3k€1k▼
Gross operating margin9900€37k€33k▼
Operating profit (loss)9901€24k€8k▼
Financial income75/76B€427€1k▲
Recurring financial income75€427€1k▲
Financial charges65/66B€91€168▲
Recurring financial charges65€91€168▲
Profit (loss) for the period before taxes9903€24k€9k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€18k€6k▼
Profit (loss) for the period to be appropriated9905€18k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€6k▼
Transfer to equity691/2€18k€6k▼
To other reserves6921€18k€6k▼
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €6k ▼64.7%
Net result drops to €6k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €18k ▲101%
Operating result €24k, net result €18k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.73
Current ratio from 0.73 to 1.73.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Antwerpen · 1 establishment unit since 2023
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.
Parijslaan 1872660 AntwerpenGround area
333 m²
Building footprint
214 m²
Volume, LiDAR
1,703 m³
Parcel 11382C0646/00A004, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B&B Koerier
since 20232.346.178.095
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11382C0646/00A004 | Flanders | 333 m² | 1 · 213 m² | 9.9 m · 3 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.
Similar companies · same sector, comparable size
LORYS transports
BE 0894.579.134
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DEMUKAJ COMPANY
BE 0898.217.822
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MALAY-TRANS
BE 0836.758.226
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Oket Transport
BE 0753.885.087
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ASINTIME
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Of 4,918 companies in sector 53200 we hold annual accounts for 1,329. 1,114 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2023
Fiscal year end31-12
Activities, NACEBEL
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.