B-LEGACY
ActiveThe computed 12-month bankruptcy probability of B-LEGACY is 5.9% (elevated). The 2024 annual accounts show equity of €3k and a net result of €-615. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
20
/ 100
Critical▲ +5 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency1▼-1
Growth58
Stability100
Bankruptcy probability, 12 months
5.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.0 in 2023), and 97.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
2.1%
Return on assets
-0.5%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-01-2026, 166 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
166 d late
2023
28 d early
2020
303 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€3k▼ 19.5%
2023 · €3k
2023: €3k
2023 → 2024
Total assets
€120k=
2023 · €120k
2023: €120k
2023 → 2024
Net result
€-615▲ 23.0%
2023 · €-800
2023: €-800
2023 → 2024
Working capital
€-3k▼ 21.6%
2023 · €-3k
2023: €-3k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€3k-€3k▼ 19.5%
Operating result€-728-€-548▲ 24.7%
Net result€-800-€-615▲ 23.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €548 in 2024 against €728 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €120k
Equity
€3k▼ 19.5%
Debt
€117k▲ 0.5%
The debt ratio rises from 97.4% to 97.9%: debt grows while equity shrinks.
Key figures and ratios
Solvency
2.1%▼
2023 · 2.6%
Current ratio
0.00▼
2023 · 0.00
Quick ratio
0.00▼
2023 · 0.00
Debt / equity
46.24▲
2023 · 37.03
ROE
-24.2%▲
2023 · -25.3%
ROA
-0.5%▲
2023 · -0.7%
Debt
€117k▲
2023 · €117k
Debt ≤ 1 year
€3k▲
2023 · €3k
Debt > 1 year
€114k=
2023 · €114k
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 · 2024
Balance sheet
Code2024
Total assets
20/58€120k
Fixed assets
21/28€120k
Financial fixed assets
28€120k
Current assets
29/58€0
Total equity & liabilities
10/49€120k
Equity
10/15€3k
Contributions / capital
10/11€6k
Accumulated profits (losses)
14€-4k
Amounts payable
17/49€117k
Amounts payable after one year
17€114k
Amounts payable within one year
42/48€3k
Trade debts payable within one year
44€57
Income statement
Code2024
Gross operating margin
9900€-548
Operating result
9901€-548
Financial charges
65€68
Result before taxes
9903€-615
Net result for the period
9904€-615
Result to be appropriated
9905€-615
This is the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
2026
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 166 days late
2025
18-02
State Gazette act
Registered-office change
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 303 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
State Gazette actNBB filing
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-01-2019
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 25-07-2026. Scores and ratios are computed by Checked and are not a credit decision.