B-FIVE GROUP
ActiveSummary
The computed 12-month bankruptcy probability of B-FIVE GROUP is 3.5% (moderate). The 2025 annual accounts show equity of €13k and a net result of €4k. Its solvency ranks better than 43% of 18400 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability53▲+17
Solvency50▲+11
Growth78
Track record82
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.51 in 2024; short-term debt: 63.3% and cash: 47.5% of total assets), and 74.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 21-07-2026, 10 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
10 d early
2024
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 51.1%
2024 · €9k
2024: €9k
2025: €13k▲ +51.1% vs 2024
2024 → 2025
Total assets
€52k▼ 16.5%
2024 · €62k
2024: €62k
2025: €52k▼ -16.5% vs 2024
2024 → 2025
Net result
€4k▲ 260%
2024 · €1k
2024: €1k
2025: €4k▲ +260% vs 2024
2024 → 2025
Working capital
€11k▼ 40.1%
2024 · €19k
2024: €19k
2025: €11k▼ -40.1% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€9k-€13k▲ 51.1%
2024: €9k
2025: €13k▲ +51.1% vs 2024
Operating result€4k-€11k▲ 170%
2024: €4k
2025: €11k▲ +170% vs 2024
Net result€1k-€4k▲ 260%
2024: €1k
2025: €4k▲ +260% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 170% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€8k ▲ 13.5%
Current assets
€44k ▼ 20.3%
Equity and liabilities €52k
Equity
€13k ▲ 51.1%
Debt
€39k ▼ 27.5%
Debt's share of the balance-sheet total falls from 86.0% to 74.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €5k
Cash flow
€7k▲
2024 · €2k
Current ratio
1.34▼
2024 · 1.51
Quick ratio
0.96▲
2024 · 0.91
Debt to equity
2.94▼
2024 · 6.13
ROE
33.8%▲
2024 · 14.2%
ROA
8.6%▲
2024 · 2.0%
Interest coverage
2.85▲
2024 · 1.76
Debt ≤ 1 year
€33k▼
2024 · €37k
Debt > 1 year
€6k▼
2024 · €17k
Income taxes
€1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€62k€52k▼
Fixed assets21/28€7k€8k▲
Tangible fixed assets22/27€6k€7k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€5k▲
Financial fixed assets28€750€1k▲
Current assets29/58€55k€44k▼
Stocks and contracts in progress3€22k€12k▼
Stocks30/36€22k€12k▼
Amounts receivable within one year40/41€10k€7k▼
Trade receivables40€10k€7k▼
Other amounts receivable41€154€318▲
Cash at bank and in hand54/58€23k€25k▲
Equity and liabilities
Total equity and liabilities10/49€62k€52k▼
Equity10/15€9k€13k▲
Contributions10/11€7k€7k=
Profit (loss) carried forward14€1k€6k▲
Amounts payable17/49€54k€39k▼
Amounts payable after more than one year17€17k€6k▼
Financial debts170/4€17k€6k▼
Amounts payable within one year42/48€37k€33k▼
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€20k€10k▼
Suppliers440/4€20k€10k▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€1k€7k▲
Remuneration and social security454/9€5k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€777€3k▲
Other operating charges640/8-€543
Gross operating margin9900€5k€14k▲
Operating profit (loss)9901€4k€11k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€1k€6k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€1k€4k▲
Profit (loss) for the period to be appropriated9905€1k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€6k▲
Profit (loss) brought forward from the previous period14P-€1k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €777 | €3k | ▲ 230% |
| Other operating charges640/8 | - | €543 | - |
| Gross operating margin9900 | €5k | €14k | ▲ 192% |
| Operating profit (loss)9901 | €4k | €11k | ▲ 170% |
| Financial income75/76B | - | €1 | - |
| Recurring financial income75 | - | €1 | - |
| Financial charges65/66B | €3k | €5k | ▲ 72.9% |
| Recurring financial charges65 | €3k | €5k | ▲ 72.9% |
| Profit (loss) for the period before taxes9903 | €1k | €6k | ▲ 380% |
| Income taxes67/77 | - | €1k | - |
| Profit (loss) for the period9904 | €1k | €4k | ▲ 260% |
| Profit (loss) for the period to be appropriated9905 | €1k | €4k | ▲ 260% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €62k | €52k | ▼ 16.5% |
| Fixed assets21/28 | €7k | €8k | ▲ 13.5% |
| Tangible fixed assets22/27 | €6k | €7k | ▲ 8.5% |
| Plant, machinery and equipment23 | €3k | €2k | ▼ 34.0% |
| Furniture and vehicles24 | €3k | €5k | ▲ 54.6% |
| Financial fixed assets28 | €750 | €1k | ▲ 54.7% |
| Current assets29/58 | €55k | €44k | ▼ 20.3% |
| Stocks and contracts in progress3 | €22k | €12k | ▼ 43.5% |
| Stocks30/36 | €22k | €12k | ▼ 43.5% |
| Amounts receivable within one year40/41 | €10k | €7k | ▼ 31.0% |
| Trade receivables40 | €10k | €7k | ▼ 33.1% |
| Other amounts receivable41 | €154 | €318 | ▲ 106% |
| Cash at bank and in hand54/58 | €23k | €25k | ▲ 6.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €62k | €52k | ▼ 16.5% |
| Equity10/15 | €9k | €13k | ▲ 51.1% |
| Contributions10/11 | €7k | €7k | = |
| Profit (loss) carried forward14 | €1k | €6k | ▲ 360% |
| Amounts payable17/49 | €54k | €39k | ▼ 27.5% |
| Amounts payable after more than one year17 | €17k | €6k | ▼ 65.1% |
| Financial debts170/4 | €17k | €6k | ▼ 65.1% |
| Amounts payable within one year42/48 | €37k | €33k | ▼ 10.2% |
| Current portion of amounts payable after more than one year42 | €10k | €11k | ▲ 9.9% |
| Trade debts44 | €20k | €10k | ▼ 49.9% |
| Suppliers440/4 | €20k | €10k | ▼ 49.9% |
| Taxes, remuneration and social security45 | €7k | €12k | ▲ 79.6% |
| Taxes450/3 | €1k | €7k | ▲ 461% |
| Remuneration and social security454/9 | €5k | €5k | ▼ 1.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €1k | €4k | ▲ 260% |
| + Depreciation and write-downs630 | €777 | €3k | ▲ 230% |
| Operating cash flow (approximation) | €2k | €7k | ▲ 249% |
| Investment in fixed assets (approximation) | - | €-4k | - |
| Change in cash | - | €1k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Watermaal-Bosvoorde · 1 establishment unit since 2024
Ground area
484 m²
Building footprint
248 m²
Volume, LiDAR
1,715 m³
Parcel 21017D0251/00W000, Brussels · tallest building 16.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARCHIDUC EXPRESS
since 20242.356.765.745
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0251/00W000 | Brussels | 484 m² | 1 · 247 m² | 16.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 siteWatermaal-Bosvoorde2.356.765.745
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 3,745 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-03-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.