BANI
ActiveBANI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €282k and a net result of €43k. Equity is shrinking by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-24
Solvency63▲+10
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.33 in 2024; short-term debt: 58.5% and cash: 53.9% of total assets), but 62.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 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
37.8%
Return on assets
5.8%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €282k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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
11 d late
2024
20 d late
2023
16 d early
2022
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€282k▲ 18.2%
2024 · €238k
2022: €461k
2023: €254k
2024: €238k
2022 → 2025
Total assets
€746k▼ 11.8%
2024 · €845k
2022: €935k
2023: €999k
2024: €845k
2022 → 2025
Net result
€43k▼ 80.7%
2024 · €225k
2022: €78k
2023: €93k
2024: €225k
2022 → 2025
Working capital
€235k▲ 18.9%
2024 · €197k
2022: €435k
2023: €222k
2024: €197k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€461k-€254k▼ 44.9%€238k▼ 6.0%€282k▲ 18.2%
Operating result€104k-€125k▲ 20.4%€301k▲ 140%€65k▼ 78.2%
Net result€78k-€93k▲ 19.8%€225k▲ 142%€43k▼ 80.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 78% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €746k
Fixed assets
€75k▲ 81.4%
Current assets
€671k▼ 16.5%
Equity and liabilities €746k
Equity
€282k▲ 18.2%
Debt
€464k▼ 23.5%
The debt ratio falls from 71.8% to 62.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€97k▼
2024 · €322k
Cash flow
€75k▼
2024 · €246k
Solvency
37.8%▲
2024 · 28.2%
Current ratio
1.54▲
2024 · 1.33
Quick ratio
1.25▲
2024 · 1.20
Debt / equity
1.65▼
2024 · 2.54
ROE
15.4%▼
2024 · 94.3%
ROA
5.8%▼
2024 · 26.6%
Interest coverage
13.76▼
2024 · 529.37
Debt
€464k▼
2024 · €607k
Debt ≤ 1 year
€436k▼
2024 · €607k
Debt > 1 year
€28k
Income taxes
€16k▼
2024 · €77k
Staff costs
€65k▲
2024 · €62k
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€845k€746k▼
Fixed assets21/28€41k€75k▲
Intangible fixed assets21€18k€13k▼
Tangible fixed assets22/27€21k€59k▲
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€14k€10k▼
Leasing and similar rights25-€44k
Financial fixed assets28€2k€2k=
Current assets29/58€804k€671k▼
Stocks and contracts in progress3€79k€124k▲
Stocks30/36€79k€124k▲
Amounts receivable within one year40/41€303k€96k▼
Trade receivables40€55k€75k▲
Other amounts receivable41€248k€21k▼
Cash at bank and in hand54/58€422k€402k▼
Deferred charges and accrued income490/1€411€49k▲
Equity and liabilities
Total equity and liabilities10/49€845k€746k▼
Equity10/15€238k€282k▲
Contributions10/11€3k€3k=
Reserves13€235k€279k▲
Distributable reserves133€235k€279k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€607k€464k▼
Amounts payable after more than one year17-€28k
Financial debts170/4-€28k
Amounts payable within one year42/48€607k€436k▼
Current portion of amounts payable after more than one year42-€9k
Trade debts44€328k€380k▲
Suppliers440/4€328k€380k▲
Taxes, remuneration and social security45€37k€34k▼
Taxes450/3€33k€30k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€242k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€62k€65k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€31k▲
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A-€15k
Gross operating margin9900€386k€181k▼
Operating profit (loss)9901€301k€65k▼
Financial income75/76B€1k€377▼
Recurring financial income75€1k€377▼
Financial charges65/66B€608€7k▲
Recurring financial charges65€608€7k▲
Profit (loss) for the period before taxes9903€302k€59k▼
Income taxes67/77€77k€16k▼
Profit (loss) for the period9904€225k€43k▼
Profit (loss) for the period to be appropriated9905€225k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€225k€43k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€15k€0▼
Transfer to equity691/2€0€43k▲
To other reserves6921€0€43k▲
Profit to be distributed694/7€240k€0▼
Return on contributions (dividend)694€240k€0▼
Social balance
Average headcount (FTE)90871.21.3▲
The notes to these accounts (21 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Weakest financial yearnet €43k ▼80.7%
Net result drops to €43k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
31-12
Financial
Highest result since 2022net €225k ▲142%
Operating result €301k, net result €225k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
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
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, Mortsel · 2 establishment units 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.
Maalderijstraat 102640 MortselGround area
4,251 m²
Building footprint
2,538 m²
Volume, LiDAR
16,924 m³
3 parcels, Flanders · tallest building 14.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Bani
since 20112.196.768.896
BANI
since 20192.297.010.181
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12016A0459/00W004 | Flanders | 3,430 m² | 1 · 2,333 m² | 14.5 m · 2 fl. |
| 11513C0177/00L002 | Flanders | 542 m² | 1 · 126 m² | 0.6 m |
| 11513C0164/00X000 | Flanders | 278 m² | 1 · 79 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMechelen2.297.010.181
Similar companies · same sector, comparable size
Said
BE 0834.708.259
Antwerpen · Eq €284k
De Groote Peter Chocolaterie
BE 0462.019.512
Ieper · Eq €284k
Bakkerij Bolleke
BE 0651.753.193
Zottegem · Eq €278k
DEOLET
BE 0454.949.497
Deinze · Eq €278k
MICHEL DEFOSSEZ
BE 0812.045.990
Dinant · Eq €287k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 740 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2011
Fiscal year end31-12
Activities, NACEBEL
46360Wholesale trade
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.