BANO
ActiveSummary
BANO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111,295 and a net result of €6,300. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 91% of 28281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+64
Solvency100=
Growth52▲+17
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 6.82 against 3.98 in 2024; short-term debt: 12.9% and cash: 6.2% of total assets), and 12.9% of the assets are financed with debt.
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Signals
Three 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-12-2025, 54 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
54 d late
2024
on the day
2023
23 d early
2022
15 d early
2020
31 d early
2019
30 d late
2018
30 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 6 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 16 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Turnover
€52,744▼ 59.4%
2022 · €129,956
EBIT margin
-53.6%▼ 66.0pp
2022 · 12.3%
Net result
€6,300
2024 · -€8,753
Working capital
€95,843▲ 16.2%
2024 · €82,511
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202022202320242025
Turnover€181,539▲ 66.6%€129,956-€52,744▼ 59.4%
Operating result€35,700▲ 2,454%€16,030--€28,289-€8,547▲ 69.8%€8,556
Net result€24,040within the sector's middle half▲ 469%€15,876within the sector's middle half--€23,875below the sector's middle half-€8,753below the sector's middle half▲ 63.3%€6,300within the sector's middle half
EBIT margin19.7%▲ 18.4pp12.3%--53.6%▼ 66.0pp
Equity€116,220within the sector's middle half▲ 26.1%€137,622above the sector's middle half-€113,747within the sector's middle half▼ 17.3%€104,994within the sector's middle half▼ 7.7%€111,295within the sector's middle half▲ 6.0%
Total assets€144,271within the sector's middle half▲ 39.8%€147,425within the sector's middle half-€136,382within the sector's middle half▼ 7.5%€132,674within the sector's middle half▼ 2.7%€127,762within the sector's middle half▼ 3.7%
Debt€28,051▲ 155%€9,803-€22,635▲ 131%€27,679▲ 22.3%€16,468▼ 40.5%
Working capital€111,854above the sector's middle half▲ 25.1%€126,231above the sector's middle half-€84,314within the sector's middle half▼ 33.2%€82,511within the sector's middle half▼ 2.1%€95,843above the sector's middle half▲ 16.2%
Solvency80.6%above the sector's middle half▼ 8.8pp93.4%above the sector's middle half-83.4%above the sector's middle half▼ 9.9pp79.1%above the sector's middle half▼ 4.3pp87.1%above the sector's middle half▲ 8.0pp
Current ratio4.99above the sector's middle half▼ 4.1413.88above the sector's middle half-4.72above the sector's middle half▼ 9.153.98above the sector's middle half▼ 0.746.82above the sector's middle half▲ 2.84
Return on assets (ROA)16.7%above the sector's middle half▲ 12.6pp10.8%within the sector's middle half--17.5%below the sector's middle half▼ 28.3pp-6.6%below the sector's middle half▲ 10.9pp4.9%within the sector's middle half▲ 11.5pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8,556 after a loss of €8,547 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127,762
Fixed assets
€15,452 ▼ 31.3%
Current assets
€112,310 ▲ 1.9%
Equity and liabilities €127,762
Equity
€111,295 ▲ 6.0%
Debt
€16,468 ▼ 40.5%
Debt's share of the balance-sheet total falls from 20.9% to 12.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15,587▲
2024 · -€1,598
Cash flow
€13,331▲
2024 · -€1,803
Debt to equity
0.15▼
2024 · 0.26
ROE
5.7%▲
2024 · -8.3%
Interest coverage
7.46▲
2024 · -40.87
Debt ≤ 1 year
€16,468▼
2024 · €27,679
Income taxes
€167▲
2024 · €166
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.8%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €181,539 | €129,956 | €52,744 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €109,640 | €69,431 | - | - | - |
| Remuneration, social security and pensions62 | - | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,618 | €3,123 | €7,763 | €6,950 | €7,031 | ▲ 1.2% |
| Other operating charges640/8 | - | €1,163 | €3,839 | €1,454 | €481 | ▼ 66.9% |
| Gross operating margin9900 | €44,951 | €20,316 | -€16,687 | -€144 | €16,068 | ▲ 11,259% |
| Operating profit (loss)9901 | €35,700 | €16,030 | -€28,289 | -€8,547 | €8,556 | ▲ 200% |
| Financial income75/76B | - | €5,159 | €4,887 | - | €0 | - |
| Recurring financial income75 | - | €5,159 | €4,887 | - | €0 | - |
| Financial charges65/66B | - | €201 | €327 | €39 | €2,089 | ▲ 5,242% |
| Recurring financial charges65 | €125 | €201 | €327 | €39 | €2,089 | ▲ 5,242% |
| Profit (loss) for the period before taxes9903 | €35,575 | €20,988 | -€23,729 | -€8,586 | €6,467 | ▲ 175% |
| Income taxes67/77 | €11,535 | €5,112 | €146 | €166 | €167 | ▲ 0.3% |
| Profit (loss) for the period9904 | €24,040 | €15,876 | -€23,875 | -€8,753 | €6,300 | ▲ 172% |
| Profit (loss) for the period to be appropriated9905 | €24,040 | €15,876 | -€23,875 | -€8,753 | €6,300 | ▲ 172% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €144,271 | €147,425 | €136,382 | €132,674 | €127,762 | ▼ 3.7% |
| Fixed assets21/28 | €4,366 | €11,391 | €29,433 | €22,483 | €15,452 | ▼ 31.3% |
| Tangible fixed assets22/27 | €4,009 | €11,034 | €29,076 | €22,126 | €15,095 | ▼ 31.8% |
| Plant, machinery and equipment23 | - | €2,240 | €2,123 | €1,757 | €1,400 | ▼ 20.3% |
| Furniture and vehicles24 | - | €8,794 | €26,953 | €20,369 | €13,695 | ▼ 32.8% |
| Financial fixed assets28 | €357 | €357 | €357 | €357 | €357 | = |
| Current assets29/58 | €139,905 | €136,034 | €106,949 | €110,191 | €112,310 | ▲ 1.9% |
| Amounts receivable within one year40/41 | €107,559 | €108,156 | €106,580 | €104,643 | €104,026 | ▼ 0.6% |
| Trade receivables40 | - | €10,989 | €1,432 | €3,492 | €4,427 | ▲ 26.8% |
| Other amounts receivable41 | - | €97,167 | €105,148 | €101,152 | €99,599 | ▼ 1.5% |
| Cash at bank and in hand54/58 | €31,129 | €27,085 | €369 | €5,547 | €7,928 | ▲ 42.9% |
| Deferred charges and accrued income490/1 | - | €793 | - | - | €356 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €144,271 | €147,425 | €136,382 | €132,674 | €127,762 | ▼ 3.7% |
| Equity10/15 | €116,220 | €137,622 | €113,747 | €104,994 | €111,295 | ▲ 6.0% |
| Contributions10/11 | €13,200 | €13,200 | €13,200 | €13,200 | €13,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €101,160 | €122,562 | €98,687 | €89,934 | €96,235 | ▲ 7.0% |
| Amounts payable17/49 | €28,051 | €9,803 | €22,635 | €27,679 | €16,468 | ▼ 40.5% |
| Amounts payable within one year42/48 | €28,051 | €9,803 | €22,635 | €27,679 | €16,468 | ▼ 40.5% |
| Current portion of amounts payable after more than one year42 | - | - | €13,512 | - | - | - |
| Financial debts43 | - | - | - | €11,769 | €579 | ▼ 95.1% |
| Credit institutions430/8 | - | - | - | €11,769 | €579 | ▼ 95.1% |
| Trade debts44 | €15,463 | €4,630 | €3,803 | €10,304 | €15,340 | ▲ 48.9% |
| Suppliers440/4 | - | €4,630 | €3,803 | €10,304 | €15,340 | ▲ 48.9% |
| Taxes, remuneration and social security45 | - | €5,173 | €5,320 | €5,299 | €548 | ▼ 89.7% |
| Taxes450/3 | - | €5,173 | €5,320 | €5,299 | €548 | ▼ 89.7% |
| Other amounts payable47/48 | - | - | - | €307 | - | - |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,040 | €15,876 | -€23,875 | -€8,753 | €6,300 | ▲ 172% |
| + Depreciation and write-downs630 | €1,618 | €3,123 | €7,763 | €6,950 | €7,031 | ▲ 1.2% |
| Operating cash flow (approximation) | €25,658 | €18,999 | -€16,112 | -€1,803 | €13,331 | ▲ 839% |
| Investment in fixed assets (approximation) | - | - | -€25,805 | €0 | €0 | ▼ 100% |
| Change in cash | - | - | -€26,716 | €5,178 | €2,381 | ▼ 54.0% |
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
Next filing, fiscal year 2026, expected by
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
31-03
Financial
Back to profitnet €6,300
Net result €6,300 after 2 loss-making years.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet -€23,875
Net result drops to -€23,875, the lowest in the series; recovery starts the following year.
2022
16-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 13.88
Current ratio from 4.99 to 13.88; short-term debt falls from €28,051 to €9,803.
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €24,040 ▲469%
Operating result €35,700, net result €24,040, both a record.
31-03
Financial
Equity above €100,000Eq €116,220 ▲26.1%
2 profitable years in a row build equity to €116,220.
2019
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Waregem · 1 establishment unit since 2014
Ground area
83 m²
Building footprint
51 m²
Volume, LiDAR
232 m³
Parcel 34035A0286/00A004, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bano
since 20142.232.974.939
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34035A0286/00A004 | Flanders | 83 m² | 1 · 51 m² | 6.2 m · 1 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.
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,138. 7,721 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
Founded14-05-2014
Fiscal year end31-03
Activities, NACEBEL 2025
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0552689964
Also
9925:BE0552689964
Registered
14-09-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.