B & G
ActiveB & G has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €197k and a net result of €11k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 21% of 2147 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
64
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+23
Solvency27=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.27 in 2024), and 87.9% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
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
12.1%
Return on assets
0.7%
Age of the figures
17 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 2147 sector peers (2025).
NBB · sector comparisonPosition among 2147 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
2 d early
2022
3 d early
2021
1 d early
2020
27 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€197k▲ 6.0%
2024 · €186k
2019: €157k
2020: €157k
2021: €166k
2022: €167k
2023: €184k
2024: €186k
2019 → 2025
Total assets
€1.62M▲ 29.0%
2024 · €1.26M
2019: €1.76M
2020: €1.55M
2021: €1.51M
2022: €1.46M
2023: €1.43M
2024: €1.26M
2019 → 2025
Net result
€11k▲ 498%
2024 · €2k
2019: €3k
2020: €-583
2021: €9k
2022: €1k
2023: €17k
2024: €2k
2019 → 2025
Working capital
€433k▲ 67.0%
2024 · €259k
2019: €280k
2020: €271k
2021: €307k
2022: €304k
2023: €490k
2024: €259k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€166k-€167k▲ 0.8%€184k▲ 10.0%€186k▲ 1.0%€197k▲ 6.0%
Operating result€15k-€15k▼ 2.7%€38k▲ 156%€12k▼ 68.0%€7k▼ 38.2%
Net result€9k-€1k▼ 85.6%€17k▲ 1,177%€2k▼ 88.8%€11k▲ 498%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 38% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.62M
Fixed assets
€19k▼ 29.1%
Current assets
€1.60M▲ 30.2%
Equity and liabilities €1.62M
Equity
€197k▲ 6.0%
Debt
€1.42M▲ 32.9%
The debt ratio rises from 85.2% to 87.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€15k▼
2024 · €35k
Cash flow
€19k▼
2024 · €25k
Solvency
12.1%▼
2024 · 14.8%
Current ratio
1.37▲
2024 · 1.27
Quick ratio
1.14▲
2024 · 0.98
Debt / equity
7.24▲
2024 · 5.77
ROE
5.7%▲
2024 · 1.0%
ROA
0.7%▲
2024 · 0.1%
Interest coverage
2.17▼
2024 · 3.53
Debt
€1.42M▲
2024 · €1.07M
Debt ≤ 1 year
€1.17M▲
2024 · €971k
Debt > 1 year
€0▼
2024 · €100k
Income taxes
€8k▲
2024 · €5k
Staff costs
€674k▼
2024 · €697k
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€1.26M€1.62M▲
Fixed assets21/28€26k€19k▼
Tangible fixed assets22/27€26k€18k▼
Land and buildings22€16k€12k▼
Furniture and vehicles24€10k€6k▼
Financial fixed assets28€375€375=
Current assets29/58€1.23M€1.60M▲
Stocks and contracts in progress3€278k€264k▼
Stocks30/36€110k€109k▼
Contracts in progress37€169k€154k▼
Amounts receivable within one year40/41€928k€842k▼
Trade receivables40€855k€708k▼
Other amounts receivable41€73k€135k▲
Cash at bank and in hand54/58€20k€476k▲
Deferred charges and accrued income490/1€5k€21k▲
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.62M▲
Equity10/15€186k€197k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€124k€135k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€118k€129k▲
Amounts payable17/49€1.07M€1.42M▲
Amounts payable after more than one year17€100k€0▼
Financial debts170/4€100k€0▼
Amounts payable within one year42/48€971k€1.17M▲
Current portion of amounts payable after more than one year42€813€0▼
Trade debts44€862k€1.08M▲
Suppliers440/4€862k€1.08M▲
Taxes, remuneration and social security45€76k€79k▲
Taxes450/3€5k€8k▲
Remuneration and social security454/9€71k€71k▼
Other amounts payable47/48€33k€14k▼
Accrued charges and deferred income492/3€0€255k▲
Income statement
Code20242025
Non-recurring operating income76A-€24k
Remuneration, social security and pensions62€697k€674k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€8k▼
Other operating charges640/8€3k€365k▲
Gross operating margin9900€734k€1.05M▲
Operating profit (loss)9901€12k€7k▼
Financial income75/76B€5k€19k▲
Recurring financial income75€5k€19k▲
Financial charges65/66B€10k€7k▼
Recurring financial charges65€10k€7k▼
Profit (loss) for the period before taxes9903€7k€19k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€2k€11k▲
Profit (loss) for the period to be appropriated9905€2k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€11k▲
Transfer to equity691/2€2k€11k▲
To other reserves6921€2k€11k▲
Social balance
Average headcount (FTE)908713.19.6▼
The notes to these accounts (15 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Highest result since 2019net €17k ▲1177%
Operating result €38k, net result €17k, both a record.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
31-03
Financial
Weakest financial yearnet €-583 ▼120%
Net result drops to €-583, the lowest in the series; recovery starts the following year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2024
Kristof Aerts
CurrentDirector · since 17-04-2024
17-04-2024
Kristof Aerts: Appointed as Director
17-04-2024
Bram Bleyen: Resigned as Director
17-04-2024
Geert Lammens: Resigned as Director
17-04-2024
Bram Bleyen BV: Resigned as Permanent representative
17-04-2024
Geert Lammens CommV.: Resigned as Permanent representative
Location & real-estate footprint
Registered office, Genk · 1 establishment unit since 2009
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.
Horizonlaan 213600 GenkGround area
3,715 m²
Building footprint
756 m²
Volume, LiDAR
4,786 m³
Parcel 71302A0032/00D033, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B&G
since 20092.178.713.238
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71302A0032/00D033 | Flanders | 3,715 m² | 1 · 756 m² | 7.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 459 EUR awarded · 459 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 108 EUR |
| 2023 | 1 | 108 EUR | 0 EUR |
| 2022 | 1 | 351 EUR | 351 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
KENIS AUTOMATISATION
BE 0719.796.418
Peer · Eq €196k
MARIO GEERINCKX
BE 0880.787.615
Westerlo · Eq €198k
THN
BE 0546.669.828
Schaarbeek · Eq €195k
MAREL
BE 0440.166.402
Harelbeke · Eq €199k
MDG GROUP
BE 0668.983.363
Alken · Eq €199k
Of 2,429 companies in sector 41003 we hold annual accounts for 1,047. 713 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2009
Fiscal year end31-03
Activities, NACEBEL
41003General construction of other non-residential buildings
41002Construction of residential and non-residential buildings
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.