B.B.T.
ActiveThe computed 12-month bankruptcy probability of B.B.T. is 2.7% (moderate). The 2025 annual accounts show equity of €42k and a net result of €25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 50% of 4604 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-2
Solvency63▲+20
Growth78=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 0.91 in 2024; short-term debt: 61.6% and cash: 4% of total assets), and 61.6% 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 49
Relative position
BE, all sectors
reference
Sector 49
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
38.4%
Return on assets
22.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
51 d early
2023
26 d early
2022
25 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 143%
2024 · €17k
2022: €6k
2023: €-28k
2024: €17k
2022 → 2025
Total assets
€110k▲ 10.7%
2024 · €100k
2022: €74k
2023: €72k
2024: €100k
2022 → 2025
Net result
€25k▼ 44.6%
2024 · €45k
2022: €1k
2023: €-34k
2024: €45k
2022 → 2025
Working capital
€31k
2024 · €-7k
2022: €-20k
2023: €-51k
2024: €-7k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€-28k€17k€42k▲ 143%
Operating result€7k-€-24k€61k€38k▼ 37.5%
Net result€1k-€-34k€45k€25k▼ 44.6%
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 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€12k▼ 52.0%
Current assets
€99k▲ 31.2%
Equity and liabilities €110k
Equity
€42k▲ 143%
Debt
€68k▼ 17.3%
The debt ratio falls from 82.5% to 61.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €67k
Cash flow
€27k▼
2024 · €50k
Solvency
38.4%▲
2024 · 17.5%
Current ratio
1.45▲
2024 · 0.91
Quick ratio
1.45▲
2024 · 0.91
Debt / equity
1.60▼
2024 · 4.71
ROE
58.8%▼
2024 · 258.1%
ROA
22.6%▼
2024 · 45.2%
Interest coverage
6.73▲
2024 · 5.94
Debt
€68k▼
2024 · €82k
Debt ≤ 1 year
€68k▼
2024 · €82k
Income taxes
€7k▲
2024 · €5k
Staff costs
€74k▼
2024 · €103k
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€100k€110k▲
Fixed assets21/28€25k€12k▼
Tangible fixed assets22/27€21k€8k▼
Land and buildings22€7k€6k▼
Plant, machinery and equipment23€2k€922▼
Furniture and vehicles24€12k€1k▼
Financial fixed assets28€4k€4k=
Current assets29/58€75k€99k▲
Amounts receivable within one year40/41€69k€88k▲
Trade receivables40€68k€61k▼
Other amounts receivable41€1k€28k▲
Cash at bank and in hand54/58€2k€4k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€100k€110k▲
Equity10/15€17k€42k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€12k€37k▲
Amounts payable17/49€82k€68k▼
Amounts payable within one year42/48€82k€68k▼
Trade debts44€19k€42k▲
Suppliers440/4€19k€42k▲
Taxes, remuneration and social security45€27k€20k▼
Taxes450/3€16k€13k▼
Remuneration and social security454/9€11k€7k▼
Other amounts payable47/48€36k€6k▼
Income statement
Code20242025
Non-recurring operating income76A-€22k
Remuneration, social security and pensions62€103k€74k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€2k€16k▲
Gross operating margin9900€171k€131k▼
Operating profit (loss)9901€61k€38k▼
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€11k€6k▼
Recurring financial charges65€11k€6k▼
Profit (loss) for the period before taxes9903€50k€32k▼
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€45k€25k▼
Profit (loss) for the period to be appropriated9905€45k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€37k▲
Profit (loss) brought forward from the previous period14P€-33k€12k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-34k ▼3431%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Genk · 1 establishment unit since 2021
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.
Kruipmosstraat 133600 GenkGround area
476 m²
Building footprint
101 m²
Parcel 71308A0816/00Z055, Flanders. Linked by address, not a title deed.
1 establishment unit
B.B.T.
since 20212.319.238.623
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71308A0816/00Z055 | Flanders | 476 m² | 1 · 101 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 siteGenk2.319.238.623
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,203. 5,885 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2021
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
43120Site preparation
53100Postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.