Bana
ActiveSummary
Bana has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €30k and a net result of €6k. Equity is shrinking by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 1330 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▼-8
Solvency65=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.76 in 2023; short-term debt: 59.8% and cash: 11% of total assets), and 59.8% of the assets are financed with debt.
Credit advice 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 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
40.2%
Return on assets
8.4%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
12 d early
2022
12 d early
2021
25 d late
2020
30 d late
2019
117 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€30k▲ 26.5%
2023 · €24k
2018: €69k
2019: €79k
2020: €91k
2021: €86k
2022: €34k
2023: €24k
2018 → 2024
Total assets
€74k▲ 26.7%
2023 · €59k
2018: €116k
2019: €118k
2020: €126k
2021: €93k
2022: €37k
2023: €59k
2018 → 2024
Net result
€6k▼ 25.7%
2023 · €8k
2018: €7k
2019: €10k
2020: €12k
2021: €-5k
2022: €-52k
2023: €8k
2018 → 2024
Working capital
€-12k▼ 48.2%
2023 · €-8k
2018: €65k
2019: €79k
2020: €91k
2021: €86k
2022: €-2k
2023: €-8k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€91k-€86k▼ 5.9%€34k▼ 60.6%€24k▼ 30.1%€30k▲ 26.5%
Operating result€12k-€-5k€-18k▼ 254%€8k€6k▼ 25.9%
Net result€12k-€-5k€-52k▼ 873%€8k€6k▼ 25.7%
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 2024; 2024 is 26% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €74k
Fixed assets
€42k ▲ 32.1%
Current assets
€32k ▲ 20.2%
Equity and liabilities €74k
Equity
€30k ▲ 26.5%
Debt
€45k ▲ 26.8%
Debt's share of the balance-sheet total rises from 59.8% to 59.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▲
2023 · €12k
Cash flow
€14k▲
2023 · €12k
Current ratio
0.72▼
2023 · 0.76
Debt to equity
1.49▲
2023 · 1.49
ROE
20.9%▼
2023 · 35.6%
ROA
8.4%▼
2023 · 14.3%
Interest coverage
373.23▼
2023 · 735.04
Debt ≤ 1 year
€45k▲
2023 · €35k
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 · 2024 against 2023 · 37 lines
Balance sheet
Code20232024
Assets
Total assets20/58€59k€74k▲
Fixed assets21/28€32k€42k▲
Intangible fixed assets21€32k€28k▼
Tangible fixed assets22/27-€14k
Land and buildings22-€4k
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€9k
Current assets29/58€27k€32k▲
Amounts receivable within one year40/41€19k€24k▲
Trade receivables40€18k€20k▲
Other amounts receivable41€539€4k▲
Cash at bank and in hand54/58€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€59k€74k▲
Equity10/15€24k€30k▲
Reserves13€67k€67k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€-44k€-37k▲
Amounts payable17/49€35k€45k▲
Amounts payable within one year42/48€35k€45k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€5k€8k▲
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€25k€29k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€16k€19k▲
Operating profit (loss)9901€8k€6k▼
Financial income75/76B€2€33▲
Recurring financial income75€2€33▲
Financial charges65/66B€17€36▲
Recurring financial charges65€17€36▲
Profit (loss) for the period before taxes9903€8k€6k▼
Profit (loss) for the period9904€8k€6k▼
Profit (loss) for the period to be appropriated9905€8k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-37k▲
Profit (loss) brought forward from the previous period14P€-52k€-44k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 12.31
Current ratio from 3.61 to 12.31; short-term debt falls from €35k to €8k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €12k ▲16.4%
Operating result €12k, net result €12k, both a record.
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
2016
03-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Laakdal · 1 establishment unit since 2009
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.
Heieinde 772431 LaakdalGround area
669 m²
Building footprint
169 m²
Volume, LiDAR
652 m³
Parcel 13042D0561/00D002, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BANA
since 20092.185.090.492
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13042D0561/00D002 | Flanders | 669 m² | 1 · 169 m² | 6.8 m · 1 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.
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FELYX
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Of 1,825 companies in sector 42220 we hold annual accounts for 958. 653 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
Founded01-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
42220Construction of utility projects for electricity and telecommunications
11050Manufacture of beer
42211Civil engineering
42212Civil engineering
43110Demolition
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.