Bardi
ActiveBardi is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €702k and a net result of €295k. Equity is growing by ~62.3% per year across the filed fiscal years. Its solvency ranks better than 47% of 9863 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
59 d late
2023
31 d late
2022
57 d late
2021
30 d late
2020
25 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€702k▲ 62.6%
2023 · €432k
2019: €62k
2020: €97k
2021: €169k
2022: €204k
2023: €432k
2019 → 2024
Net result
€295k▲ 18.5%
2023 · €249k
2019: €51k
2020: €36k
2021: €73k
2022: €98k
2023: €249k
2019 → 2024
Total assets
€1.37M▲ 212%
2023 · €438k
2019: €96k
2020: €117k
2021: €193k
2022: €208k
2023: €438k
2019 → 2024
Solvency
51.4%▼ 47.3pp
2023 · 98.7%
2019: 64.9%
2020: 82.8%
2021: 87.2%
2022: 97.9%
2023: 98.7%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€97k-€169k▲ 74.4%€204k▲ 20.9%€432k▲ 112%€702k▲ 62.6%
Operating result€52k-€103k▲ 100%€133k▲ 28.3%€104k▼ 21.3%€52k▼ 49.8%
Net result€36k-€73k▲ 101%€98k▲ 35.3%€249k▲ 153%€295k▲ 18.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 50% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.37M
Fixed assets
€1.01M▲ 499%
Current assets
€358k▲ 32.9%
Equity and liabilities €1.37M
Equity
€702k▲ 62.6%
Debt
€664k▲ 11,394%
The debt ratio rises from 1.3% to 48.6%: debt grows faster than equity.
Key figures and ratios
Solvency
51.4%▼
2023 · 98.7%
ROE
42.0%▼
2023 · 57.6%
ROA
21.6%▼
2023 · 56.8%
Debt
€664k▲
2023 · €6k
Debt ≤ 1 year
€27k▲
2023 · €6k
Debt > 1 year
€636k
Income taxes
€37k▼
2023 · €49k
Staff costs
€2k▼
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€438k€1.37M▲
Fixed assets21/28€168k€1.01M▲
Tangible fixed assets22/27€125k€965k▲
Land and buildings22€676-
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€4k-
Other tangible fixed assets26€33k€963k▲
Assets under construction and advance payments27€86k-
Financial fixed assets28€43k€43k=
Current assets29/58€269k€358k▲
Amounts receivable within one year40/41€13k€20k▲
Trade receivables40€13k€500▼
Other amounts receivable41-€19k
Current investments50/53€240k€260k▲
Cash at bank and in hand54/58€15k€76k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€438k€1.37M▲
Equity10/15€432k€702k▲
Reserves13€432k€702k▲
Distributable reserves133€432k€702k▲
Amounts payable17/49€6k€664k▲
Amounts payable after more than one year17-€636k
Financial debts170/4-€636k
Amounts payable within one year42/48€6k€27k▲
Current portion of amounts payable after more than one year42-€25k
Trade debts44€18€384▲
Suppliers440/4€18€384▲
Taxes, remuneration and social security45€4k€797▼
Taxes450/3€4k€797▼
Other amounts payable47/48€2k€947▼
Income statement
Code20232024
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€27k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€6-
Other operating charges640/8€881€4k▲
Gross operating margin9900€114k€86k▼
Operating profit (loss)9901€104k€52k▼
Financial income75/76B€194k€296k▲
Recurring financial income75€194k€296k▲
Financial charges65/66B€175€17k▲
Recurring financial charges65€175€17k▲
Profit (loss) for the period before taxes9903€298k€331k▲
Income taxes67/77€49k€37k▼
Profit (loss) for the period9904€249k€295k▲
Profit (loss) for the period to be appropriated9905€249k€295k▲
Appropriation of the result
Profit (loss) to be appropriated9906€249k€295k▲
Transfer to equity691/2€248k€270k▲
To other reserves6921€248k€270k▲
Profit to be distributed694/7€833€24k▲
Return on contributions (dividend)694€833€24k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Highest result since 2019net €295k ▲18.5%
Net result €295k, the highest in the series.
31-12
Financial
Equity above €500kEq €702k ▲62.6%
6 profitable years in a row build equity to €702k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
31-12
Financial
Liquidity times 7current ratio 34.39
Current ratio from 5.21 to 34.39; short-term debt falls from €25k to €4k.
31-12
Financial
Equity above €200kEq €204k ▲20.9%
4 profitable years in a row build equity to €204k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €150kEq €169k ▲74.4%
3 profitable years in a row build equity to €169k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Weakest financial yearnet €36k ▼29.9%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 3.67
Current ratio from 1.32 to 3.67; short-term debt falls from €25k to €16k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Wim Dekimpe
CurrentDirector · since 28-12-2023
28-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2018
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.
Kwabrugstraat(Bel) 208510 KortrijkGround area
661 m²
Building footprint
218 m²
Volume, LiDAR
1,072 m³
Parcel 34005C0663/00W000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kwabrugstraat(Bel) 20, 8510 Kortrijk
since 20182.276.289.496
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34005C0663/00W000 | Flanders | 661 m² | 1 · 218 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
LUMIVAN
BE 0885.837.751
Izegem · Eq €702k
JDSB INVEST
BE 0797.035.538
Bonheiden · Eq €702k
JULIE BORMANS MANAGEMENT
BE 0501.984.797
Heers · Eq €702k
HEX MANAGEMENT
BE 0886.479.337
Riemst · Eq €702k
INL
BE 0834.788.532
Beveren-Kruibeke-Zwijndrecht · Eq €702k
Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,284 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.