BAL CLIENT

Active

Private limited companyfounded 201115 yrs activeHaachtsesteenweg 299, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0836.656.474

The computed 12-month bankruptcy probability of BAL CLIENT is 2.8% (moderate). The 2024 annual accounts show equity of €96k and a net result of €34k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 18938 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

100 / 100

Excellent▲ +22 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency99▲+41

Growth78=

Stability100

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity ample (current ratio 2.32 against 1.31 in 2023), and 37.2% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €96k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

9 d early

2023

31 d late

2022

17 d late

2021

57 d late

2020

27 d late

2019

31 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€96k▲ 54.6%

2023 · €62k

2018: €-7k 2019: €6k 2020: €-7k 2021: €7k 2022: €35k 2023: €62k

2018 → 2024

Total assets

€152k▼ 20.0%

2023 · €190k

2018: €10k 2019: €30k 2020: €19k 2021: €24k 2022: €52k 2023: €190k

2018 → 2024

Net result

€34k▲ 24.4%

2023 · €27k

2018: €-4k 2019: €13k 2020: €-13k 2021: €14k 2022: €27k 2023: €27k

2018 → 2024

Working capital

€75k▲ 88.5%

2023 · €40k

2018: €-6k 2019: €-4k 2020: €-16k 2021: €-3k 2022: €29k 2023: €40k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€-7k-€7k€35k▲ 379%€62k▲ 78.2%€96k▲ 54.6%

Operating result€-20k-€-3k▲ 83.2%€28k€40k▲ 43.8%€52k▲ 29.3%

Net result€-13k-€14k€27k▲ 96.7%€27k▼ 1.2%€34k▲ 24.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen four years in a row; 2024 is 29% above 2023 and is the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €152k

13.5%

86.5%

Fixed assets €21k▼ 6.7%

Current assets €132k▼ 21.7%

Equity and liabilities €152k

62.8%

37.2%

Equity €96k▲ 54.6%

Debt €57k▼ 55.9%

The debt ratio falls from 67.5% to 37.2%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€58k▲

2023 · €44k

Cash flow

€39k▲

2023 · €31k

Solvency

62.8%▲

2023 · 32.5%

Current ratio

2.32▲

2023 · 1.31

Quick ratio

2.21▲

2023 · 1.26

Debt / equity

0.59▼

2023 · 2.08

ROE

35.3%▼

2023 · 43.9%

ROA

22.2%▲

2023 · 14.2%

Interest coverage

9.62▼

2023 · 11.76

Debt

€57k▼

2023 · €128k

Debt ≤ 1 year

€57k▼

2023 · €128k

Income taxes

€13k▲

2023 · €9k

Staff costs

€7k▲

2023 · €1k

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 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€190k€152k▼

Fixed assets21/28€22k€21k▼

Tangible fixed assets22/27€22k€20k▼

Furniture and vehicles24€22k€17k▼

Other tangible fixed assets26-€4k

Financial fixed assets28€100€100=

Current assets29/58€168k€132k▼

Amounts receivable after more than one year29-€40k

Trade receivables290-€40k

Stocks and contracts in progress3€7k€6k▼

Stocks30/36€7k€6k▼

Amounts receivable within one year40/41€85k€22k▼

Trade receivables40€84k€15k▼

Other amounts receivable41€445€7k▲

Cash at bank and in hand54/58€77k€63k▼

Equity and liabilities

Total equity and liabilities10/49€190k€152k▼

Equity10/15€62k€96k▲

Contributions10/11€20k€20k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€40k€74k▲

Amounts payable17/49€128k€57k▼

Amounts payable within one year42/48€128k€57k▼

Trade debts44€100k€42k▼

Suppliers440/4€100k€42k▼

Taxes, remuneration and social security45€13k€15k▲

Taxes450/3€13k€13k▲

Remuneration and social security454/9€70€2k▲

Other amounts payable47/48€16k-

Income statement Code20232024

Remuneration, social security and pensions62€1k€7k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲

Other operating charges640/8€3k€656▼

Gross operating margin9900€48k€65k▲

Operating profit (loss)9901€40k€52k▲

Financial income75/76B€16€468▲

Recurring financial income75€16€468▲

Financial charges65/66B€4k€6k▲

Recurring financial charges65€4k€6k▲

Profit (loss) for the period before taxes9903€36k€46k▲

Income taxes67/77€9k€13k▲

Profit (loss) for the period9904€27k€34k▲

Profit (loss) for the period to be appropriated9905€27k€34k▲

Appropriation of the result

Profit (loss) to be appropriated9906€40k€74k▲

Profit (loss) brought forward from the previous period14P€13k€40k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 15Financial 5Filings 10

2025

22-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2018net €34k ▲24.4%

Operating result €52k, net result €34k, both a record.

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

17-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 17 days late

2022

31-12

Financial Liquidity triplescurrent ratio 2.68

Current ratio from 0.85 to 2.68.

26-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 57 days late

2021

31-12

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

27-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 27 days late

2020

31-12

Financial Weakest financial yearnet €-13k ▼201%

Net result drops to €-13k, the lowest in the series; recovery starts the following year.

31-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 31 days late

2019

31-12

Financial Back to profitnet €13k

Net result €13k after one loss-making year.

19-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

22-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 22 days late

2017

18-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 18 days late

2016

26-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 26 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Schaarbeek · 1 establishment unit since 2011

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.

Haachtsesteenweg 2991030 Schaarbeek

Ground area

134 m²

Building footprint

130 m²

Volume, LiDAR

2,003 m³

2 parcels, Brussels · tallest building 18.8 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

Aarlenstraat 2, 1050 Elsene

Food and beverage service activities

since 20112.200.260.502

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21910E0207/00S002	Brussels	100 m²	1 · 96 m²	18.8 m · 6 fl.
21442A0007/00F004	Brussels	34 m²	1 · 35 m²	15.6 m · 5 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

Of 21,636 companies in sector 56112 we hold annual accounts for 9,660. 7,790 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded30-05-2011

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.