B&T SERVICE
ActiveSummary
The computed 12-month bankruptcy probability of B&T SERVICE is 2.5% (moderate). The 2025 annual accounts show equity of €65k and a net result of €14k. Equity is growing by ~66.1% per year across the filed fiscal years. Its solvency ranks better than 94% of 4603 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 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
Profitability93▼-7
Solvency100▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 9.29 against 2.21 in 2024; short-term debt: 7.4% and cash: 54.8% of total assets), and 7.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
92.6%
Return on assets
19.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
51 d late
2022
39 d early
2021
92 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k▼ 45.6%
2024 · €25k
2021: €-3k
2022: €12k
2023: €16k
2024: €25k
2021 → 2025
Working capital
€43k▲ 96.6%
2024 · €22k
2021: €-4k
2022: €-14k
2023: €-12k
2024: €22k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€10k€26k▲ 163%€51k▲ 95.7%€65k▲ 26.6%
Operating result€-3k-€-4k▼ 49.1%€16k€25k▲ 55.3%€19k▼ 23.9%
Net result€-3k-€12k€16k▲ 33.0%€25k▲ 54.6%€14k▼ 45.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€22k ▼ 26.0%
Current assets
€48k ▲ 20.4%
Equity and liabilities €70k
Equity
€65k ▲ 26.6%
Debt
€5k ▼ 71.4%
Debt's share of the balance-sheet total falls from 26.3% to 7.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €34k
Cash flow
€23k▼
2024 · €34k
Current ratio
9.29▲
2024 · 2.21
Debt to equity
0.08▼
2024 · 0.36
ROE
21.0%▼
2024 · 48.9%
ROA
19.5%▼
2024 · 36.1%
Interest coverage
142.13▼
2024 · 199.48
Debt ≤ 1 year
€5k▼
2024 · €18k
Income taxes
€6k
Staff costs
€30k▲
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€69k€70k▲
Fixed assets21/28€29k€22k▼
Tangible fixed assets22/27€29k€22k▼
Furniture and vehicles24€29k€22k▼
Current assets29/58€40k€48k▲
Amounts receivable within one year40/41€25k€10k▼
Trade receivables40€18k€6k▼
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€15k€38k▲
Equity and liabilities
Total equity and liabilities10/49€69k€70k▲
Equity10/15€51k€65k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€51k€64k▲
Amounts payable17/49€18k€5k▼
Amounts payable within one year42/48€18k€5k▼
Trade debts44€17k€867▼
Suppliers440/4€17k€867▼
Taxes, remuneration and social security45€2k€4k▲
Remuneration and social security454/9€2k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€18k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€3k€8k▲
Gross operating margin9900€56k€67k▲
Operating profit (loss)9901€25k€19k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Non-recurring financial income76B-€1k
Financial charges65/66B€177€202▲
Recurring financial charges65€172€202▲
Non-recurring financial charges66B€5-
Profit (loss) for the period before taxes9903€25k€20k▼
Income taxes67/77-€6k
Profit (loss) for the period9904€25k€14k▼
Profit (loss) for the period to be appropriated9905€25k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€64k▲
Profit (loss) brought forward from the previous period14P€26k€51k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 9.29
Current ratio from 2.21 to 9.29; short-term debt falls from €18k to €5k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2021net €25k ▲54.6%
Operating result €25k, net result €25k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.21
Current ratio from 0.70 to 2.21; short-term debt falls from €41k to €18k.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 51 days late
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dilbeek · 1 establishment unit since 2021
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.
Ninoofsesteenweg 1241700 DilbeekGround area
738 m²
Building footprint
669 m²
Volume, LiDAR
3,921 m³
2 parcels, Brussels, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Alsembergsesteenweg 720, 1180 Ukkel
since 20212.313.579.365
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0008/00Z003 | Brussels | 607 m² | 1 · 571 m² | 14.0 m · 2 fl. |
| 23352F0203/02W000 | Flanders | 131 m² | 1 · 98 m² | 9.3 m · 3 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.
Similar companies · same sector, comparable size
MC PROJECTS
BE 0713.421.142
Ninove · Eq €64,830
Y-Drive Chauffeured Services
BE 0716.686.973
Boortmeerbeek · Eq €64,605
PUYAN
BE 0445.113.204
Anderlecht · Eq €64,904
HAK MAR SERVICES
BE 0668.981.680
Brussel · Eq €64,419
HATAX
BE 0441.026.633
Jette · Eq €65,082
Of 6,686 companies in sector 49330 we hold annual accounts for 2,295. 1,805 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:soufiane.talbi@live.be
E-mail:talbiyoucef154@gmail.com