B2-Cycle
ActiveB2-Cycle has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €25k. Its solvency ranks better than 48% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability90
Solvency57
Growth-
Track record67
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.61; short-term debt: 34.2% and cash: 23.3% of total assets), but 68.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
31.9%
Return on assets
17%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
15 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€47k
Total assets
€148k
Net result
€25k
Working capital
€82k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €147k
Fixed assets
€15k
Current assets
€132k
Equity and liabilities €148k
Equity
€47k
Debt
€101k
Debt finances 68.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€38k
Cash flow
€28k
Solvency
31.9%
Current ratio
2.61
Quick ratio
1.09
Debt / equity
2.13
ROE
53.4%
ROA
17.0%
Interest coverage
7.84
Debt
€101k
Debt ≤ 1 year
€51k
Debt > 1 year
€48k
Income taxes
€6k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€148k
Formation expenses20€424
Fixed assets21/28€15k
Tangible fixed assets22/27€9k
Plant, machinery and equipment23€600
Furniture and vehicles24€3k
Other tangible fixed assets26€5k
Financial fixed assets28€7k
Current assets29/58€132k
Stocks and contracts in progress3€77k
Stocks30/36€77k
Amounts receivable within one year40/41€20k
Trade receivables40€20k
Cash at bank and in hand54/58€34k
Deferred charges and accrued income490/1€152
Equity and liabilities
Total equity and liabilities10/49€148k
Equity10/15€47k
Contributions10/11€22k
Reserves13€25k
Distributable reserves133€25k
Amounts payable17/49€101k
Amounts payable after more than one year17€48k
Financial debts170/4€48k
Amounts payable within one year42/48€51k
Current portion of amounts payable after more than one year42€6k
Trade debts44€19k
Suppliers440/4€19k
Taxes, remuneration and social security45€18k
Taxes450/3€18k
Other amounts payable47/48€8k
Accrued charges and deferred income492/3€2k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Other operating charges640/8€513
Gross operating margin9900€38k
Operating profit (loss)9901€35k
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€5k
Recurring financial charges65€5k
Profit (loss) for the period before taxes9903€32k
Income taxes67/77€6k
Profit (loss) for the period9904€25k
Profit (loss) for the period to be appropriated9905€25k
Appropriation of the result
Profit (loss) to be appropriated9906€25k
Transfer to equity691/2€25k
To other reserves6921€25k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Ciney · 1 establishment unit since 2025
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.
Chemin des Roches(Braibant) 185590 CineyGround area
1,401 m²
Building footprint
290 m²
Volume, LiDAR
1,726 m³
2 parcels, Brussels, Wallonia · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
B2-Cycle
since 20252.375.356.190
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91023D0138/00P000 | Wallonia | 1,154 m² | 1 · 99 m² | - |
| 21683D0234/00P002 | Brussels | 248 m² | 1 · 190 m² | 15.2 m · 4 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
JARDICYCLES
BE 1010.530.360
Trois-Ponts · Eq €47k
BOUCK
BE 0719.346.555
La Hulpe · Eq €47k
VAN LANDEGHEM SPORT
BE 0843.863.673
Sint-Gillis-Waas · Eq €48k
FIETSEN BICYCLE
BE 0717.604.515
Heist-op-den-Berg · Eq €46k
BASILIO CYCLES - CYCLES BASILIO
BE 0444.882.184
Huy · Eq €46k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2025
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.