B.I. HOLDING 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 €7.45M and a net result of €78k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 5507 sector peers (fiscal year 2025). The company has been active since 1998 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
11 d early
2022
1 d early
2021
30 d early
2020
on the day
2019
13 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€7.45M▲ 1.1%
2024 · €7.37M
2018: €5.93M
2019: €5.97M
2020: €6.06M
2021: €6.60M
2022: €6.69M
2023: €6.74M
2024: €7.37M
2018 → 2025
Net result
€78k▼ 87.5%
2024 · €629k
2018: €58k
2019: €39k
2020: €85k
2021: €542k
2022: €89k
2023: €49k
2024: €629k
2018 → 2025
Total assets
€11.38M▼ 1.0%
2024 · €11.50M
2018: €12.39M
2019: €12.70M
2020: €12.93M
2021: €13.68M
2022: €13.88M
2023: €11.41M
2024: €11.50M
2018 → 2025
Solvency
65.4%▲ 1.4pp
2024 · 64.0%
2018: 47.9%
2019: 47.0%
2020: 46.8%
2021: 48.3%
2022: 48.2%
2023: 59.0%
2024: 64.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.60M-€6.69M▲ 1.3%€6.74M▲ 0.7%€7.37M▲ 9.3%€7.45M▲ 1.1%
Operating result€68k-€62k▼ 9.3%€122k▲ 97.5%€713k▲ 485%€83k▼ 88.3%
Net result€542k-€89k▼ 83.6%€49k▼ 45.1%€629k▲ 1,188%€78k▼ 87.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 88% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.38M
Fixed assets
€3.18M▲ 0.5%
Current assets
€8.20M▼ 1.6%
Equity and liabilities €11.38M
Equity
€7.45M▲ 1.1%
Debt
€3.94M▼ 4.8%
The debt ratio falls from 36.0% to 34.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
65.4%▲
2024 · 64.0%
ROE
1.1%▼
2024 · 8.5%
ROA
0.7%▼
2024 · 5.5%
Debt
€3.94M▼
2024 · €4.14M
Debt ≤ 1 year
€3.94M▼
2024 · €4.14M
Income taxes
€45k▼
2024 · €307k
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€11.50M€11.38M▼
Fixed assets21/28€3.17M€3.18M▲
Tangible fixed assets22/27€478k€491k▲
Land and buildings22€467k€452k▼
Plant, machinery and equipment23-€886
Furniture and vehicles24€12k€38k▲
Financial fixed assets28€2.69M€2.69M▲
Current assets29/58€8.34M€8.20M▼
Amounts receivable after more than one year29€2.69M€2.41M▼
Trade receivables290€2.69M€2.41M▼
Stocks and contracts in progress3€111k€1.32M▲
Stocks30/36€111k€1.32M▲
Amounts receivable within one year40/41€27k€27k▲
Trade receivables40€27k€27k▲
Current investments50/53€4.00M€4.15M▲
Cash at bank and in hand54/58€1.51M€280k▼
Deferred charges and accrued income490/1-€891
Equity and liabilities
Total equity and liabilities10/49€11.50M€11.38M▼
Equity10/15€7.37M€7.45M▲
Contributions10/11€165k€165k=
Capital10€165k€165k=
Issued capital100€165k€165k=
Reserves13€2.12M€2.20M▲
Non-distributable reserves130/1€16k€16k=
Legal reserve130€16k€16k=
Distributable reserves133€2.11M€2.19M▲
Profit (loss) carried forward14€5.08M€5.08M=
Amounts payable17/49€4.14M€3.94M▼
Amounts payable within one year42/48€4.14M€3.94M▼
Trade debts44€858€4k▲
Suppliers440/4€858€4k▲
Taxes, remuneration and social security45€276k€93k▼
Taxes450/3€276k€93k▼
Other amounts payable47/48€3.86M€3.84M▼
Income statement
Code20242025
Non-recurring operating income76A€995-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€33k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€750k€122k▼
Operating profit (loss)9901€713k€83k▼
Financial income75/76B€418k€247k▼
Recurring financial income75€418k€247k▼
Financial charges65/66B€194k€207k▲
Recurring financial charges65€194k€207k▲
Profit (loss) for the period before taxes9903€937k€123k▼
Income taxes67/77€307k€45k▼
Profit (loss) for the period9904€629k€78k▼
Profit (loss) for the period to be appropriated9905€629k€78k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5.71M€5.16M▼
Profit (loss) brought forward from the previous period14P€5.08M€5.08M=
Transfer to equity691/2€629k€78k▼
To other reserves6921€629k€78k▼
The notes to these accounts (6 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
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €629k ▲1188%
Operating result €713k, net result €629k, both a record.
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 13 days late
2019
30-09
Financial
Weakest financial yearnet €39k ▼32.8%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
14-04
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
7 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, Hoogstraten · 1 establishment unit since 1998
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.
John Lijsenstraat 492321 HoogstratenGround area
5,775 m²
Building footprint
9,831 m²
Volume, LiDAR
82,100 m³
Parcel 13020E0069/00R000, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
John Lijsenstraat 49, 2321 Hoogstraten
since 19982.089.752.261
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13020E0069/00R000 | Flanders | 5,775 m² | 1 · 9,831 m² | 10.1 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
5299004OIG37DQWQUC35
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 6,911 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-12-1998
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.