B-BIKES
ActiveThe computed 12-month bankruptcy probability of B-BIKES is 2.2% (moderate). The 2025 annual accounts show negative equity (€-28k) and a net result of €-113k. Equity is shrinking by ~45.6% per year across the filed fiscal years. Its solvency ranks better than 12% of 10253 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency21▼-17
Growth32=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.88 against 1.08 in 2024; short-term debt: 103% and cash: 4% 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.
+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 →
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%
Return on assets
-16.2%
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
2122232425
2021 to 2025 · latest year €-28k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
17 d early
2023
7 d late
2022
28 d early
2021
17 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-28k
2024 · €86k
2021: €152k
2022: €273k
2023: €290k
2024: €86k
2021 → 2025
Total assets
€699k▲ 4.0%
2024 · €672k
2021: €699k
2022: €825k
2023: €899k
2024: €672k
2021 → 2025
Net result
€-113k▼ 7.7%
2024 · €-105k
2021: €127k
2022: €121k
2023: €17k
2024: €-105k
2021 → 2025
Working capital
€-87k
2024 · €42k
2021: €79k
2022: €261k
2023: €251k
2024: €42k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€152k-€273k▲ 79.4%€290k▲ 6.3%€86k▼ 70.5%€-28k
Operating result€147k-€155k▲ 5.0%€28k▼ 81.8%€-102k€-111k▼ 8.7%
Net result€127k-€121k▼ 5.0%€17k▼ 85.9%€-105k€-113k▼ 7.7%
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 stays negative: a loss of €111k in 2025 against €102k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €699k
Fixed assets
€66k▼ 9.7%
Current assets
€633k▲ 5.7%
Key figures and ratios
EBITDA
€-104k▼
2024 · €-93k
Cash flow
€-106k▼
2024 · €-96k
Solvency
-4.0%▼
2024 · 12.7%
Current ratio
0.88▼
2024 · 1.08
Quick ratio
0.31▲
2024 · 0.22
Debt / equity
-26.06▼
2024 · 6.85
ROA
-16.2%▼
2024 · -15.7%
Interest coverage
-12.12▼
2024 · -7.86
Debt
€727k▲
2024 · €586k
Debt ≤ 1 year
€720k▲
2024 · €557k
Debt > 1 year
€5k▼
2024 · €26k
Staff costs
€130k▼
2024 · €138k
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€672k€699k▲
Fixed assets21/28€73k€66k▼
Tangible fixed assets22/27€73k€66k▼
Land and buildings22€0-
Plant, machinery and equipment23€3k€0▼
Furniture and vehicles24€0-
Other tangible fixed assets26€70k€66k▼
Current assets29/58€599k€633k▲
Stocks and contracts in progress3€479k€414k▼
Stocks30/36€479k€414k▼
Amounts receivable within one year40/41€112k€190k▲
Trade receivables40€15k€15k▼
Other amounts receivable41€97k€175k▲
Cash at bank and in hand54/58€6k€28k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€672k€699k▲
Equity10/15€86k€-28k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€61k€-53k▼
Amounts payable17/49€586k€727k▲
Amounts payable after more than one year17€26k€5k▼
Financial debts170/4€26k€5k▼
Amounts payable within one year42/48€557k€720k▲
Current portion of amounts payable after more than one year42€31k€21k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€229k€393k▲
Suppliers440/4€229k€393k▲
Advances received on contracts in progress46€4k€0▼
Taxes, remuneration and social security45€44k€39k▼
Taxes450/3€17k€11k▼
Remuneration and social security454/9€27k€28k▲
Other amounts payable47/48€249k€268k▲
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€138k€130k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€396€0▼
Gross operating margin9900€48k€29k▼
Operating profit (loss)9901€-102k€-111k▼
Financial income75/76B€9k€6k▼
Recurring financial income75€9k€6k▼
Financial charges65/66B€12k€9k▼
Recurring financial charges65€12k€9k▼
Profit (loss) for the period before taxes9903€-105k€-113k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-105k€-113k▼
Profit (loss) for the period to be appropriated9905€-105k€-113k▼
Appropriation of the result
Profit (loss) to be appropriated9906€160k€-53k▼
Profit (loss) brought forward from the previous period14P€265k€61k▼
Profit to be distributed694/7€99k€0▼
Return on contributions (dividend)694€99k€0▼
Social balance
Average headcount (FTE)9087-2.0
The notes to these accounts (12 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-113k
Net result drops to €-113k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €273k ▲79.4%
2 profitable years in a row build equity to €273k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
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, Herentals · 1 establishment unit since 2020
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.
Herenthoutseweg(HRT) 1942200 HerentalsGround area
2,422 m²
Building footprint
897 m²
Volume, LiDAR
4,355 m³
2 parcels, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B-BIKES
since 20202.300.106.164
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002B0816/00E002 | Flanders | 1,684 m² | 1 · 308 m² | 6.7 m · 2 fl. |
| 13302D0911/00G000 | Flanders | 738 m² | 1 · 589 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Vélo & Co
BE 0818.195.196
Antwerpen · Eq €86k
SD Deux Roues
BE 0878.334.802
Profondeville · Eq €86k
BAILLY BIKES
BE 0771.560.368
Etterbeek · Eq €86k
JODA INVEST
BE 0798.409.869
Willebroek · Eq €86k
Velo's Vanderbike
BE 0797.251.215
Gistel · Eq €86k
Of 1,467 companies in sector 47632 we hold annual accounts for 732. 617 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2020
Fiscal year end31-12
Activities, NACEBEL
45402
47632Retail sale of bicycles
47785Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.