BANOU
ActiveSummary
The computed 12-month bankruptcy probability of BANOU is 2.1% (moderate). The 2025 annual accounts show equity of €5,104 and a net result of €3,779. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 28281 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+35
Solvency41▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 28281 sector peers (2025).
NBB · sector comparisonPosition among 28281 sector peers
Solvency
better than 19%
← weakest
strongest →
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
202122232425
2020 to 2025 · latest year €5,104
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 08-06-2026, 53 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
53 d early
2024
41 d early
2023
27 d late
2022
32 d late
2021
34 d early
2020
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 6 days before 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 27 June (4 of the last 5 filed years within 62 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€5,104▲ 285%
2024 · €1,326
Total assets
€31,130▲ 117%
2024 · €14,321
Net result
€3,779▲ 453%
2024 · €683
Working capital
€2,437▲ 83.9%
2024 · €1,326
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
Line20212022202320242025
Operating result€1,656-€2,536-€7,896▼ 211%€703€3,796▲ 440%
Net result€4,015within the sector's middle half-€2,526below the sector's middle half-€1,744below the sector's middle half▲ 31.0%€683within the sector's middle half€3,779within the sector's middle half▲ 453%
Equity€4,913below the sector's middle half▲ 447%€2,387below the sector's middle half▼ 51.4%€642below the sector's middle half▼ 73.1%€1,326below the sector's middle half▲ 106%€5,104below the sector's middle half▲ 285%
Total assets€13,510below the sector's middle half▲ 69.4%€13,581below the sector's middle half▲ 0.5%€10,705below the sector's middle half▼ 21.2%€14,321below the sector's middle half▲ 33.8%€31,130below the sector's middle half▲ 117%
Debt€8,598▲ 21.5%€11,194▲ 30.2%€10,063▼ 10.1%€12,996▲ 29.1%€26,026▲ 100%
Working capital€4,287below the sector's middle half€2,387below the sector's middle half▼ 44.3%€642below the sector's middle half▼ 73.1%€1,326below the sector's middle half▲ 106%€2,437below the sector's middle half▲ 83.9%
Solvency36.4%within the sector's middle half▲ 25.1pp17.6%below the sector's middle half▼ 18.8pp6.0%below the sector's middle half▼ 11.6pp9.3%below the sector's middle half▲ 3.3pp16.4%below the sector's middle half▲ 7.1pp
Current ratio1.50within the sector's middle half▲ 0.581.21within the sector's middle half▼ 0.291.06below the sector's middle half▼ 0.151.10below the sector's middle half▲ 0.041.09below the sector's middle half▼ 0.01
Return on assets (ROA)29.7%above the sector's middle half▲ 112.5pp-18.6%below the sector's middle half▼ 48.3pp-16.3%below the sector's middle half▲ 2.3pp4.8%within the sector's middle half▲ 21.1pp12.1%within the sector's middle half▲ 7.4pp
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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 440% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31,130
Fixed assets
€2,667
Current assets
€28,463
Equity and liabilities €31,130
Equity
€5,104 ▲ 285%
Debt
€26,026 ▲ 100%
Debt's share of the balance-sheet total falls from 90.7% to 83.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5,129
Cash flow
€5,112
Debt to equity
5.10▼
2024 · 9.80
ROE
74.0%▲
2024 · 51.5%
Interest coverage
94.84
Debt ≤ 1 year
€26,026▲
2024 · €12,996
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.1% over twelve months; the group does not contradict it.
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 6,713 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €833 | €625 | - | - | €1,333 | - |
| Other operating charges640/8 | €231 | €349 | €300 | - | €731 | - |
| Gross operating margin9900 | €2,721 | -€1,561 | -€7,595 | €703 | €5,860 | ▲ 734% |
| Operating profit (loss)9901 | €1,656 | -€2,536 | -€7,896 | €703 | €3,796 | ▲ 440% |
| Financial income75/76B | €2,404 | €54 | €6,200 | €53 | €37 | ▼ 29.6% |
| Recurring financial income75 | €2,404 | €54 | €6,200 | €53 | €37 | ▼ 29.6% |
| Non-recurring financial income76B | €2,404 | €54 | €6,200 | €53 | €37 | ▼ 29.6% |
| Financial charges65/66B | €45 | €45 | €49 | €72 | €54 | ▼ 25.1% |
| Recurring financial charges65 | €45 | €45 | €49 | €72 | €54 | ▼ 25.1% |
| Profit (loss) for the period before taxes9903 | €4,015 | -€2,526 | -€1,744 | €683 | €3,779 | ▲ 453% |
| Profit (loss) for the period9904 | €4,015 | -€2,526 | -€1,744 | €683 | €3,779 | ▲ 453% |
| Profit (loss) for the period to be appropriated9905 | €4,015 | -€2,526 | -€1,744 | €683 | €3,779 | ▲ 453% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13,510 | €13,581 | €10,705 | €14,321 | €31,130 | ▲ 117% |
| Fixed assets21/28 | €625 | - | - | - | €2,667 | - |
| Tangible fixed assets22/27 | €625 | - | - | - | €2,667 | - |
| Furniture and vehicles24 | €625 | - | - | - | €2,667 | - |
| Current assets29/58 | €12,885 | €13,581 | €10,705 | €14,321 | €28,463 | ▲ 98.7% |
| Amounts receivable within one year40/41 | €11,053 | €529 | €699 | €1,968 | €17,595 | ▲ 794% |
| Trade receivables40 | €6,789 | €529 | €699 | €352 | €13,770 | ▲ 3,810% |
| Other amounts receivable41 | €4,263 | - | - | €1,616 | €3,825 | ▲ 137% |
| Cash at bank and in hand54/58 | €1,832 | €13,052 | €10,006 | €12,353 | €10,868 | ▼ 12.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13,510 | €13,581 | €10,705 | €14,321 | €31,130 | ▲ 117% |
| Equity10/15 | €4,913 | €2,387 | €642 | €1,326 | €5,104 | ▲ 285% |
| Contributions10/11 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Profit (loss) carried forward14 | -€2,587 | -€5,114 | -€6,858 | -€6,174 | -€2,396 | ▲ 61.2% |
| Amounts payable17/49 | €8,598 | €11,194 | €10,063 | €12,996 | €26,026 | ▲ 100% |
| Amounts payable within one year42/48 | €8,598 | €11,194 | €10,063 | €12,996 | €26,026 | ▲ 100% |
| Trade debts44 | €2,922 | €3,552 | €3,877 | €5,185 | €15,500 | ▲ 199% |
| Suppliers440/4 | €2,922 | €3,552 | €3,877 | €5,185 | €15,500 | ▲ 199% |
| Taxes, remuneration and social security45 | - | €1,740 | €675 | €2,300 | €3,700 | ▲ 60.9% |
| Taxes450/3 | - | €1,040 | €475 | - | - | - |
| Remuneration and social security454/9 | - | €700 | €200 | €2,300 | €3,700 | ▲ 60.9% |
| Other amounts payable47/48 | €5,676 | €5,902 | €5,511 | €5,511 | €6,825 | ▲ 23.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,015 | -€2,526 | -€1,744 | €683 | €3,779 | ▲ 453% |
| + Depreciation and write-downs630 | €833 | €625 | - | - | €1,333 | - |
| Operating cash flow (approximation) | €4,848 | -€1,901 | -€1,744 | €683 | €5,112 | ▲ 648% |
| Change in cash | - | €11,220 | -€3,046 | €2,347 | -€1,485 | ▼ 163% |
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
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €683
Net result €683 after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4,015
Net result €4,015 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Halle · 1 establishment unit since 2019
Ground area
403 m²
Building footprint
242 m²
Parcel 23412K0257/00X008, Flanders. Linked by address, not a title deed.
1 establishment unit
BANOU
since 20192.294.474.424
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23412K0257/00X008 | Flanders | 403 m² | 1 · 242 m² | - |
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 9,537 companies in sector 43222 we hold annual accounts for 5,668. 1,639 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
Founded11-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0735974335
Registered
29-12-2025
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.