BANDIU
ActiveThe computed 12-month bankruptcy probability of BANDIU is 2.0% (moderate). The 2025 annual accounts show equity of €33k and a net result of €9k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 7431 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+5
Solvency72=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.6 in 2024; short-term debt: 52.8% and cash: 12.2% of total assets), and 52.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
43 d early
2024
53 d early
2023
43 d early
2022
46 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 7.0%
2024 · €36k
2022: €20k
2023: €29k
2024: €36k
2022 → 2025
Total assets
€70k▼ 6.6%
2024 · €75k
2022: €24k
2023: €96k
2024: €75k
2022 → 2025
Net result
€9k▲ 33.6%
2024 · €7k
2022: €15k
2023: €9k
2024: €7k
2022 → 2025
Working capital
€5k▼ 63.8%
2024 · €14k
2022: €15k
2023: €9k
2024: €14k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€29k▲ 46.8%€36k▲ 23.3%€33k▼ 7.0%
Operating result€19k-€13k▼ 32.2%€13k▲ 1.7%€16k▲ 24.2%
Net result€15k-€9k▼ 37.3%€7k▼ 27.0%€9k▲ 33.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€28k▼ 27.6%
Current assets
€42k▲ 15.9%
Equity and liabilities €70k
Equity
€33k▼ 7.0%
Debt
€37k▼ 6.3%
The debt ratio rises from 52.7% to 52.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €28k
Cash flow
€25k▲
2024 · €22k
Solvency
47.2%▼
2024 · 47.3%
Current ratio
1.13▼
2024 · 1.60
Quick ratio
1.13▼
2024 · 1.60
Debt / equity
1.12▲
2024 · 1.11
ROE
27.1%▲
2024 · 18.9%
ROA
12.8%▲
2024 · 8.9%
Interest coverage
13.98▲
2024 · 9.72
Debt
€37k▼
2024 · €40k
Debt ≤ 1 year
€37k▲
2024 · €23k
Income taxes
€5k▲
2024 · €3k
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€75k€70k▼
Fixed assets21/28€39k€28k▼
Tangible fixed assets22/27€39k€28k▼
Plant, machinery and equipment23€121-
Furniture and vehicles24€39k€28k▼
Current assets29/58€36k€42k▲
Amounts receivable within one year40/41€16k€34k▲
Trade receivables40€14k€23k▲
Other amounts receivable41€1k€10k▲
Cash at bank and in hand54/58€20k€9k▼
Equity and liabilities
Total equity and liabilities10/49€75k€70k▼
Equity10/15€36k€33k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€31k€28k▼
Amounts payable17/49€40k€37k▼
Amounts payable after more than one year17€17k-
Financial debts170/4€17k-
Amounts payable within one year42/48€23k€37k▲
Financial debts43€19k€17k▼
Credit institutions430/8€19k€17k▼
Trade debts44€469€602▲
Suppliers440/4€469€602▲
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€10k▲
Other amounts payable47/48-€10k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€988€963▼
Gross operating margin9900€29k€32k▲
Operating profit (loss)9901€13k€16k▲
Financial income75/76B-€16
Recurring financial income75-€16
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€10k€14k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€7k€9k▲
Profit (loss) for the period to be appropriated9905€7k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€40k▲
Profit (loss) brought forward from the previous period14P€24k€31k▲
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (6 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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €7k ▼27%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
16-12
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, Drogenbos · 1 establishment unit since 2020
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.
W.A. Mozartlaan 21620 DrogenbosGround area
1.2 ha
Building footprint
1,398 m²
Volume, LiDAR
20,613 m³
2 parcels, Brussels, Flanders · tallest building 22.0 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
BANDIU
since 20202.311.197.026
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001A0006/00W002 | Flanders | 1.1 ha | 1 · 794 m² | 13.0 m · 4 fl. |
| 21003A0149/00N000 | Brussels | 1,542 m² | 1 · 604 m² | 22.0 m · 7 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.
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BULOT & Fils
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A.G.R.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,576 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2020
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress 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.