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BANI GROUP

Active
Private limited companyfounded 20188 yrs activeHoutemsesteenweg 2-4, 1800 Vilvoorde, BelgiumKBO/BCE: BE 0699.554.991
Summary

The computed 12-month bankruptcy probability of BANI GROUP is 7.6% (elevated). The 2025 annual accounts show equity of €81,059 and a net result of €62,308. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 8982 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
BANI GROUPActiveChecked score 38/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001Plastering work NACE 43310
1 site
Size
€115,842total assets 2025
Equity
€81,059
Profit
€62,308
Financial health
38 Weak Checked score 2025
Bankruptcy chance 12 m
7.6%
Structure
Accounts 149 d early1 of 9 deeds read
Why 38- 2 changes of registered office in 24 months- Liquidity: current ratio 3.33, cash €17, halved- 1 of the last 3 late- Sector Construction of residential and non-residential buildings (NACE 41)Show the evidence

Checked score

Score 2025
38 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 75% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 95-5
equity 70.0% of total assets
Liquidity 38-14
short-term debt 30.0% · cash 0.0%
Profitability 100+100
return on assets 53.8%
Bankruptcy probability, 12 months
7.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,211 companies)
Last 24 months 11-2024: 1.9% 12-2024: 1.9%● 0.0% vs 11-2024 01-2025: 1.9%▼ -0.1% vs 12-2024 02-2025: 1.9%▼ -1.4% vs 01-2025lowest value 03-2025: 2.0%▲ +2.5% vs 02-2025 04-2025: 2.2%▲ +13.5% vs 03-2025 05-2025: 2.7%▲ +21.1% vs 04-2025 06-2025: 2.7%▼ -1.1% vs 05-2025 07-2025: 2.9%▲ +10.4% vs 06-2025 08-2025: 2.0%▼ -33.7% vs 07-2025 09-2025: 2.0%● 0.0% vs 08-2025 10-2025: 2.7%▲ +39.5% vs 09-2025 11-2025: 5.8%▲ +112% vs 10-2025 12-2025: 5.8%● 0.0% vs 11-2025 01-2026: 2.7%▼ -53.2% vs 12-2025 02-2026: 2.5%▼ -9.3% vs 01-2026 03-2026: 2.4%▼ -1.3% vs 02-2026 04-2026: 4.0%▲ +64.7% vs 03-2026 05-2026: 8.5%▲ +112% vs 04-2026highest value 06-2026: 8.5%● 0.0% vs 05-2026highest value 07-2026: 8.5%● 0.0% vs 06-2026highest value 08-2026: 7.6%▼ -9.7% vs 07-2026 09-2026: 7.6%● 0.0% vs 08-2026 10-2026: 7.6%● 0.0% vs 09-2026
  • 2 changes of registered office in 24 months raises the probability
  • Liquidity: current ratio 3.33, cash €17, halved raises the probability
  • 1 of the last 3 late raises the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Credit up to €3,000 at 30 days only on tighter terms
Liquidity ample (current ratio 3.33; short-term debt: 30% and cash: 0% of total assets), and 30% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 79%, liquidity 33%, profitability 92%, growth against the median 97%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 2 changes of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Liquidity: current ratio 3.33, cash €17, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
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 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €81,059
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 04-03-2026, 149 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
149 d early
2024
20 d early
2023
141 d early
2022
114 d early
2021
47 d early
2020
89 d early
2019
123 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 62 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 8 April (4 of the last 5 filed years within 67 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Registered office · Capital & sharesShareholding · Registered-office move
  2. Annual accounts filedfiscal year 2025 · micro…
  3. Back to profitnet €62,308

Key points

  • Positive: Equity rose in 2025from €18,751 to €81,059 ▲ 332% View
  • Positive: Among the best 9% on net resultsector median €8,440 · 8,974 companies €62,308 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€115,842
Profit
€62,308
Solvency
70.0%
Total assets▲ 518%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2020
Next accounts
by 31-07-2027
  1. 13-04-2026Registered office · Capital & shares
  2. 04-03-2026Annual accounts filed
  3. 31-12-2025Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
03-07-2018
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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