BAILLY BIKES
ActiveThe computed 12-month bankruptcy probability of BAILLY BIKES is 3.0% (moderate). The 2025 annual accounts show equity of €86k and a net result of €1k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 59% of 18207 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
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-23
Solvency69=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.7 in 2024; short-term debt: 55.3% and cash: 20.5% of total assets), but 55.5% 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+raises risk○neutral
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
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
44.5%
Return on assets
0.7%
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 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
20 d late
2023
26 d late
2022
14 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▲ 0.7%
2024 · €85k
2022: €65k
2023: €74k
2024: €85k
2022 → 2025
Total assets
€193k▼ 0.3%
2024 · €193k
2022: €187k
2023: €226k
2024: €193k
2022 → 2025
Net result
€1k▼ 89.6%
2024 · €12k
2022: €1k
2023: €11k
2024: €12k
2022 → 2025
Working capital
€78k▲ 2.4%
2024 · €76k
2022: €61k
2023: €77k
2024: €76k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€65k-€74k▲ 14.7%€85k▲ 15.0%€86k▲ 0.7%
Operating result€4k-€21k▲ 418%€23k▲ 10.8%€10k▼ 56.5%
Net result€1k-€11k▲ 722%€12k▲ 12.1%€1k▼ 89.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€8k▼ 10.0%
Current assets
€185k▲ 0.4%
Equity and liabilities €193k
Equity
€86k▲ 0.7%
Debt
€107k▼ 1.1%
The debt ratio falls from 56.0% to 55.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €30k
Cash flow
€5k▼
2024 · €18k
Solvency
44.5%▲
2024 · 44.0%
Current ratio
1.73▲
2024 · 1.70
Quick ratio
0.43▼
2024 · 0.57
Debt / equity
1.25▼
2024 · 1.27
ROE
1.5%▼
2024 · 14.4%
ROA
0.7%▼
2024 · 6.3%
Interest coverage
1.69▼
2024 · 3.59
Debt
€107k▼
2024 · €108k
Debt ≤ 1 year
€107k▼
2024 · €108k
Income taxes
€1k▼
2024 · €4k
Staff costs
€54k▲
2024 · €30k
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€193k€193k▼
Formation expenses20€447€158▼
Fixed assets21/28€9k€8k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€9k€8k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€5k€5k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€184k€185k▲
Stocks and contracts in progress3€122k€138k▲
Stocks30/36€122k€138k▲
Amounts receivable within one year40/41€14k€6k▼
Trade receivables40€14k€5k▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€47k€40k▼
Deferred charges and accrued income490/1€476€97▼
Equity and liabilities
Total equity and liabilities10/49€193k€193k▼
Equity10/15€85k€86k▲
Contributions10/11€60k€60k=
Profit (loss) carried forward14€25k€26k▲
Investment grants15€634€0▼
Amounts payable17/49€108k€107k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€108k€107k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€30k€37k▲
Suppliers440/4€30k€37k▲
Advances received on contracts in progress46€3k€1k▼
Taxes, remuneration and social security45€7k€17k▲
Taxes450/3€7k€10k▲
Remuneration and social security454/9-€7k
Other amounts payable47/48€62k€53k▼
Accrued charges and deferred income492/3€369€371▲
Income statement
Code20242025
Non-recurring operating income76A-€489
Remuneration, social security and pensions62€30k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€4k▼
Other operating charges640/8€438€869▲
Gross operating margin9900€60k€68k▲
Operating profit (loss)9901€23k€10k▼
Financial income75/76B€1k€680▼
Recurring financial income75€1k€680▼
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€16k€3k▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€12k€1k▼
Profit (loss) for the period to be appropriated9905€12k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€26k▲
Profit (loss) brought forward from the previous period14P€12k€25k▲
The notes to these accounts (9 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €1k ▼89.6%
Net result drops to €1k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Highest result since 2022net €12k ▲12.1%
Operating result €23k, net result €12k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Etterbeek · 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.
Tervatestraat 211040 EtterbeekGround area
536 m²
Building footprint
536 m²
Volume, LiDAR
4,559 m³
Parcel 21362B0209/00R012, Brussels · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAILLY BIKES
since 20212.323.704.383
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0209/00R012 | Brussels | 536 m² | 1 · 535 m² | 15.8 m · 2 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.
Similar companies · same sector, comparable size
SD Deux Roues
BE 0878.334.802
Profondeville · Eq €86k
Vélo & Co
BE 0818.195.196
Antwerpen · Eq €86k
B-BIKES
BE 0744.805.887
Herentals · Eq €86k
JODA INVEST
BE 0798.409.869
Willebroek · Eq €86k
Velo's Vanderbike
BE 0797.251.215
Gistel · Eq €86k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 617 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-07-2021
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@thebikeclub.be