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B&I ADVICE

Active
Private limited companyfounded 199828 yrs activeMolendijk 103, 3582 Beringen, BelgiumKBO/BCE: BE 0464.096.302
Summary

The computed 12-month bankruptcy probability of B&I ADVICE is 2.1% (moderate). The 2024 annual accounts show equity of €73,461 and a net result of €26,951. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 15% of 7482 sector peers (fiscal year 2024). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
B&I ADVICEActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Painting of buildings
NACE 43341NACE 45441
1 site
Size
€491,444total assets 2024
Equity
€73,461
Profit
€26,951
Turnover not published (abridged schema)
Financial health
53 Fair Checked score 2024
Bankruptcy chance 12 m
2.1%
Structure
Accounts 66 d overdue0 of 4 deeds read
Why 53- Figures for FY 2024 (filed 17-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 46 days late; 2 of the last 3 late+ Size: total assets €491,444+ Founded in 1998Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 40% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 40+2
equity 14.9% of total assets
Liquidity 10+3
short-term debt 83.4% · cash 5.0%
Profitability 76-1
return on assets 5.5%
Bankruptcy probability, 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,514 companies)
Last 24 months 11-2024: 1.2% 12-2024: 1.2%● 0.0% vs 11-2024 01-2025: 1.2%▼ -1.6% vs 12-2024 02-2025: 1.2%● 0.0% vs 01-2025 03-2025: 1.2%▼ -1.3% vs 02-2025 04-2025: 1.2%▲ +0.4% vs 03-2025 05-2025: 1.2%▲ +0.4% vs 04-2025 06-2025: 1.2%▼ -3.9% vs 05-2025 07-2025: 1.4%▲ +17.6% vs 06-2025 08-2025: 1.7%▲ +26.3% vs 07-2025 09-2025: 2.0%▲ +14.4% vs 08-2025 10-2025: 1.0%▼ -49.8% vs 09-2025 11-2025: 1.0%● 0.0% vs 10-2025 12-2025: 1.0%● 0.0% vs 11-2025 01-2026: 1.0%▼ -0.6% vs 12-2025 02-2026: 1.0%▲ +0.6% vs 01-2026 03-2026: 1.0%▼ -1.3% vs 02-2026 04-2026: 1.0%▼ -0.7% vs 03-2026lowest value 05-2026: 1.0%▲ +4.3% vs 04-2026 06-2026: 1.0%▼ -3.2% vs 05-2026 07-2026: 1.0%▲ +1.9% vs 06-2026 08-2026: 1.5%▲ +48.5% vs 07-2026 09-2026: 1.8%▲ +19.4% vs 08-2026 10-2026: 2.1%▲ +17.9% vs 09-2026highest value
  • Figures for FY 2024 (filed 17-09-2025) raises the probability
  • Size: total assets €491,444 lowers the probability for this profile
  • Founded in 1998 lowers the probability for this profile
  • 1 financial year not filed after the legal deadline; latest accounts 46 days late; 2 of the last 3 late raises the probability
Credit up to €3,500 at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.15 in 2023; short-term debt: 83.4% and cash: 5% of total assets), and 85.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 17%, liquidity 6%, profitability 50%, growth against the median 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 17-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €491,444
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1998
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 46 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7482 sector peers (2024).
NBB · sector comparison
Position among 7482 sector peers
Solvency
better than 15%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-09-2025, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
46 d late
2023
31 d late
2022
29 d late
2021
31 d late
2020
30 d late
2019
25 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 32 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · abbreviated…
  2. Highest result since 2018net €26,951 ▲18.5%
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Caution: Among the weakest 15% on solvencysector median 43.5% · 7,482 companies 14.9% View
  • Caution: Accounts not fileddeadline was 31-07-2026 66 d late View
  • Active since 1998founded 09-09-1998 28 years View

By topic

Financials

Fiscal year
2024
Total assets
€491,444
Profit
€26,951
Solvency
14.9%
Total assets▲ 38.4%
Net result
20182024
Go to Financials

Timeline

Events
14
Since
2016
  1. 15-09-2025Annual accounts filed
  2. 31-12-2024Highest result since 2018
  3. 31-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Painting of buildingsNACE 43341
Founded
09-09-1998
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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