Summary
Bandeloco is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €110,188 and a net result of €95,188. Its solvency ranks better than 13% of 5547 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 28-07-2026, 3 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
3 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€110,188
Net result
€95,188
Total assets
€1.0m
Solvency
10.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €1.0m
Fixed assets
€1.0m
Current assets
€42,835
Equity and liabilities €1.0m
Equity
€110,188
Debt
€932,647
Debt finances 89.4% of the balance-sheet total.
Key figures and ratios
ROE
86.4%
ROA
9.1%
Debt ≤ 1 year
€163,014
Debt > 1 year
€769,633
Income taxes
€32,300
Annual accounts
| Line | 2025 |
|---|---|
| Gross operating margin9900 | €148,997 |
| Operating profit (loss)9901 | €148,997 |
| Financial charges65/66B | €21,509 |
| Recurring financial charges65 | €21,509 |
| Profit (loss) for the period before taxes9903 | €127,488 |
| Income taxes67/77 | €32,300 |
| Profit (loss) for the period9904 | €95,188 |
| Profit (loss) for the period to be appropriated9905 | €95,188 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €1.0m | |
| Fixed assets21/28 | €1.0m | |
| Financial fixed assets28 | €1.0m | |
| Current assets29/58 | €42,835 | |
| Cash at bank and in hand54/58 | €42,536 | |
| Deferred charges and accrued income490/1 | €299 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €1.0m | |
| Equity10/15 | €110,188 | |
| Contributions10/11 | €15,000 | |
| Reserves13 | €95,188 | |
| Distributable reserves133 | €95,188 | |
| Amounts payable17/49 | €932,647 | |
| Amounts payable after more than one year17 | €769,633 | |
| Financial debts170/4 | €769,633 | |
| Amounts payable within one year42/48 | €163,014 | |
| Current portion of amounts payable after more than one year42 | €118,836 | |
| Taxes, remuneration and social security45 | €41,608 | |
| Taxes450/3 | €41,608 | |
| Other amounts payable47/48 | €2,570 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €95,188 |
| Operating cash flow (approximation) | €95,188 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Gent · 1 establishment unit since 2024
Ground area
1,140 m²
Building footprint
1,139 m²
Volume, LiDAR
18,334 m³
Parcel 44803C0620/00H000, Flanders · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Bandeloco
since 20242.368.964.484
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0620/00H000 | Flanders | 1,140 m² | 1 · 1,139 m² | 23.3 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
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
ANARTHO
BE 1011.939.335
Koksijde · Eq €110,180
Xavier Vanneste
BE 1003.777.081
Brugge · Eq €110,260
ARTA Management
BE 0740.899.559
Grobbendonk · Eq €110,108
GIDOSÉ
BE 0833.037.879
Dentergem · Eq €110,069
VERFAILLIE GEERT
BE 0744.582.391
Ieper · Eq €110,062
Of 24,730 companies in sector 64210 we hold annual accounts for 19,772. 12,551 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70100Activities of head offices
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.