Summary
B&I is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €54k and a net result of €15k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 45% of 8048 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
23 d early
2023
22 d late
2022
24 d late
2021
25 d late
2020
26 d late
2019
41 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
History
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 50.9%
2024 · €110k
Net result
€15k▼ 55.9%
2024 · €34k
Total assets
€121k▼ 3.7%
2024 · €125k
Solvency
44.8%▼ 43.0pp
2024 · 87.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€33k▼ 15.3%€44k▲ 30.7%€43k▼ 2.1%€44k▲ 4.1%€25k▼ 43.1%
Net result€24k▼ 25.3%€33k▲ 34.9%€32k▼ 2.7%€34k▲ 4.7%€15k▼ 55.9%
Equity€92k▲ 36.4%€75k▼ 18.6%€107k▲ 43.0%€110k▲ 3.3%€54k▼ 50.9%
Total assets€105k▲ 34.3%€90k▼ 14.9%€120k▲ 33.4%€125k▲ 4.8%€121k▼ 3.7%
Debt€14k▲ 22.1%€15k▲ 9.9%€13k▼ 13.9%€15k▲ 17.0%€67k▲ 337%
Working capital€82k▲ 44.4%€65k▼ 21.5%€100k▲ 55.2%€105k▲ 4.8%€51k▼ 51.1%
Solvency86.9%▲ 1.3pp83.1%▼ 3.8pp89.1%▲ 6.0pp87.8%▼ 1.3pp44.8%▼ 43.0pp
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 43% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€3k ▼ 45.6%
Current assets
€118k ▼ 2.0%
Equity and liabilities €121k
Equity
€54k ▼ 50.9%
Debt
€67k ▲ 337%
Debt's share of the balance-sheet total rises from 12.2% to 55.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
27.4%▼
2024 · 30.5%
ROA
12.3%▼
2024 · 26.8%
Debt ≤ 1 year
€67k▲
2024 · €15k
Income taxes
€10k▼
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €815 | €8k | - | - | €147 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €4k | €4k | €4k | €2k | ▼ 39.0% |
| Other operating charges640/8 | €1k | €1k | €764 | €940 | €981 | ▲ 4.4% |
| Gross operating margin9900 | €39k | €49k | €47k | €49k | €28k | ▼ 41.9% |
| Operating profit (loss)9901 | €33k | €44k | €43k | €44k | €25k | ▼ 43.1% |
| Financial income75/76B | - | €12 | - | - | €2 | - |
| Recurring financial income75 | - | €12 | - | - | €2 | - |
| Financial charges65/66B | €255 | €335 | €390 | €382 | €376 | ▼ 1.7% |
| Recurring financial charges65 | €255 | €335 | €390 | €382 | €376 | ▼ 1.7% |
| Profit (loss) for the period before taxes9903 | €33k | €43k | €42k | €44k | €25k | ▼ 43.5% |
| Income taxes67/77 | €9k | €10k | €10k | €10k | €10k | ▼ 3.9% |
| Profit (loss) for the period9904 | €24k | €33k | €32k | €34k | €15k | ▼ 55.9% |
| Profit (loss) for the period to be appropriated9905 | €24k | €33k | €32k | €34k | €15k | ▼ 55.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €105k | €90k | €120k | €125k | €121k | ▼ 3.7% |
| Fixed assets21/28 | €9k | €10k | €6k | €5k | €3k | ▼ 45.6% |
| Tangible fixed assets22/27 | €9k | €10k | €6k | €5k | €3k | ▼ 46.4% |
| Land and buildings22 | €6k | €4k | €3k | €2k | €696 | ▼ 58.5% |
| Plant, machinery and equipment23 | €697 | €466 | €235 | €4 | - | - |
| Furniture and vehicles24 | €3k | €5k | €3k | €3k | €2k | ▼ 39.9% |
| Financial fixed assets28 | €90 | €90 | €90 | €90 | €90 | = |
| Current assets29/58 | €96k | €80k | €113k | €120k | €118k | ▼ 2.0% |
| Amounts receivable within one year40/41 | €18k | €16k | €16k | €18k | €17k | ▼ 5.7% |
| Trade receivables40 | €13k | €16k | €15k | €16k | €16k | ▲ 1.6% |
| Other amounts receivable41 | €5k | - | €1k | €2k | €512 | ▼ 71.3% |
| Current investments50/53 | - | - | - | - | €30k | - |
| Cash at bank and in hand54/58 | €77k | €63k | €96k | €100k | €68k | ▼ 32.3% |
| Deferred charges and accrued income490/1 | €2k | €930 | €2k | €2k | €3k | ▲ 46.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €105k | €90k | €120k | €125k | €121k | ▼ 3.7% |
| Equity10/15 | €92k | €75k | €107k | €110k | €54k | ▼ 50.9% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €73k | €56k | €88k | €92k | €36k | ▼ 61.2% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €71k | €54k | €88k | €92k | €36k | ▼ 61.2% |
| Amounts payable17/49 | €14k | €15k | €13k | €15k | €67k | ▲ 337% |
| Amounts payable within one year42/48 | €14k | €15k | €13k | €15k | €67k | ▲ 337% |
| Trade debts44 | €5k | €4k | €1k | €2k | €2k | ▲ 7.4% |
| Suppliers440/4 | €5k | €4k | €1k | €2k | €2k | ▲ 7.4% |
| Taxes, remuneration and social security45 | €7k | €8k | €5k | €4k | €5k | ▲ 13.3% |
| Taxes450/3 | €2k | €3k | €3k | €2k | €3k | ▲ 25.6% |
| Remuneration and social security454/9 | €5k | €5k | €2k | €2k | €2k | ▲ 1.0% |
| Other amounts payable47/48 | €2k | €3k | €7k | €9k | €59k | ▲ 588% |
| Accrued charges and deferred income492/3 | €17 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €33k | €32k | €34k | €15k | ▼ 55.9% |
| + Depreciation and write-downs630 | €4k | €4k | €4k | €4k | €2k | ▼ 39.0% |
| Operating cash flow (approximation) | €28k | €36k | €36k | €37k | €17k | ▼ 54.2% |
| Investment in fixed assets (approximation) | - | €-4k | €0 | €-2k | €0 | ▲ 100% |
| Change in cash | - | €-13k | €33k | €5k | €-32k | ▼ 768% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €15k ▼55.9%
Net result drops to €15k, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €34k ▲4.7%
Operating result €44k, net result €34k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Equity above €100kEq €107k ▲43%
6 profitable years in a row build equity to €107k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-12
Financial
Equity above €100kEq €104k ▲35%
2 profitable years in a row build equity to €104k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Hasselt · 1 establishment unit since 2015
Ground area
700 m²
Building footprint
127 m²
Volume, LiDAR
644 m³
Parcel 71056A0273/00D000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B&l
since 20152.238.890.652
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71056A0273/00D000 | Flanders | 700 m² | 1 · 127 m² | 8.3 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.
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,766. 10,664 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
Founded30-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
32500Manufacture of medical and dental instruments and supplies
Scores and ratios are computed by Checked and are not a credit decision.