B.I.G.
ActiveB.I.G. has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €343k and a net result of €26k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 9.0 against 8.94 in 2024; short-term debt: 10.5% and cash: 93.1% of total assets), and 10.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
89.5%
Return on assets
6.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-12-2025, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
45 d early
2023
55 d early
2022
21 d early
2021
on the day
2020
27 d early
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€343k▲ 1.7%
2024 · €337k
2019: €251k
2020: €247k
2021: €302k
2022: €324k
2023: €329k
2024: €337k
2019 → 2025
Total assets
€383k▲ 1.4%
2024 · €378k
2019: €519k
2020: €653k
2021: €596k
2022: €611k
2023: €503k
2024: €378k
2019 → 2025
Net result
€26k▲ 11.1%
2024 · €23k
2019: €-6k
2020: €-4k
2021: €65k
2022: €22k
2023: €5k
2024: €23k
2019 → 2025
Working capital
€323k▼ 0.1%
2024 · €323k
2019: €225k
2020: €222k
2021: €281k
2022: €306k
2023: €314k
2024: €323k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€302k-€324k▲ 7.3%€329k▲ 1.6%€337k▲ 2.5%€343k▲ 1.7%
Operating result€83k-€34k▼ 59.4%€11k▼ 66.9%€30k▲ 167%€30k▲ 0.9%
Net result€65k-€22k▼ 65.8%€5k▼ 76.2%€23k▲ 338%€26k▲ 11.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €383k
Fixed assets
€20k▲ 41.1%
Current assets
€363k▼ 0.2%
Equity and liabilities €383k
Equity
€343k▲ 1.7%
Debt
€40k▼ 0.8%
The debt ratio falls from 10.8% to 10.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €32k
Cash flow
€28k▲
2024 · €26k
Solvency
89.5%▲
2024 · 89.2%
Current ratio
9.00▲
2024 · 8.94
Quick ratio
9.00▲
2024 · 8.94
Debt / equity
0.12▼
2024 · 0.12
ROE
7.5%▲
2024 · 6.8%
ROA
6.7%▲
2024 · 6.1%
Interest coverage
59.92▲
2024 · 33.57
Debt
€40k▼
2024 · €41k
Debt ≤ 1 year
€40k▼
2024 · €41k
Income taxes
€7k▲
2024 · €7k
Staff costs
€33k▼
2024 · €51k
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€378k€383k▲
Fixed assets21/28€14k€20k▲
Tangible fixed assets22/27€11k€17k▲
Land and buildings22€11k€8k▼
Plant, machinery and equipment23-€8k
Financial fixed assets28€4k€4k=
Current assets29/58€364k€363k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€7k€5k▼
Trade receivables40€6k€3k▼
Other amounts receivable41€952€3k▲
Cash at bank and in hand54/58€355k€357k▲
Deferred charges and accrued income490/1€1k€876▼
Equity and liabilities
Total equity and liabilities10/49€378k€383k▲
Equity10/15€337k€343k▲
Contributions10/11€149k€149k=
Capital10€149k€149k=
Issued capital100€149k€149k=
Reserves13€175k€180k▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Distributable reserves133€160k€165k▲
Profit (loss) carried forward14€14k€14k▲
Amounts payable17/49€41k€40k▼
Amounts payable within one year42/48€41k€40k▼
Financial debts43€0-
Other loans439€0-
Trade debts44€18k€14k▼
Suppliers440/4€18k€14k▼
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€5k€7k▲
Remuneration and social security454/9€7k€5k▼
Other amounts payable47/48€11k€15k▲
Accrued charges and deferred income492/3€31€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€51k€33k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€12k€6k▼
Gross operating margin9900€96k€72k▼
Operating profit (loss)9901€30k€30k▲
Financial income75/76B€940€3k▲
Recurring financial income75€940€3k▲
Financial charges65/66B€967€548▼
Recurring financial charges65€967€548▼
Profit (loss) for the period before taxes9903€30k€33k▲
Income taxes67/77€7k€7k▲
Profit (loss) for the period9904€23k€26k▲
Profit (loss) for the period to be appropriated9905€23k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€39k▲
Profit (loss) brought forward from the previous period14P€11k€14k▲
Transfer to equity691/2€5k€5k=
To other reserves6921€5k€5k=
Profit to be distributed694/7€15k€20k▲
Return on contributions (dividend)694€15k€20k▲
Social balance
Average headcount (FTE)90871.00.7▼
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
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Liquidity triplescurrent ratio 8.94
Current ratio from 2.83 to 8.94; short-term debt falls from €171k to €41k.
2023
07-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €65k
Net result €65k after 2 loss-making years.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-01
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 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, Brugge · 1 establishment unit since 1988
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.
Blauwkasteelweg 88310 BruggeGround area
9,815 m²
Building footprint
382 m²
Volume, LiDAR
3,524 m³
2 parcels, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Baljuwlaan 5, 8310 Brugge
since 19882.039.688.878
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31029C0593/00H000 | Flanders | 9,134 m² | 1 · 223 m² | 15.4 m · 4 fl. |
| 31029B0319/00W000 | Flanders | 681 m² | 1 · 159 m² | 6.5 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 50 EUR | 50 EUR |
| 2024 | 1 | 50 EUR | 50 EUR |
| 2023 | 1 | 80 EUR | 80 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,750 companies in sector 68310 we hold annual accounts for 6,908. 4,881 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-07-1988
Fiscal year end30-06
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:big.nv@scarlet.be
Phone:050370942