BAVANO
ActiveBAVANO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €-2k. Equity is shrinking by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 85% of 1898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.2%
Return on assets
-29.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-2k
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 16-07-2026, 15 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
15 d early
2024
24 d early
2023
19 d early
2022
7 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, micro schema
Equity
€5k▼ 25.2%
2024 · €7k
2022: €20k
2023: €11k
2024: €7k
2022 → 2025
Total assets
€6k▼ 34.0%
2024 · €9k
2022: €49k
2023: €34k
2024: €9k
2022 → 2025
Net result
€-2k▲ 53.6%
2024 · €-4k
2022: €10k
2023: €-9k
2024: €-4k
2022 → 2025
Working capital
€5k▼ 24.8%
2024 · €7k
2022: €5k
2023: €9k
2024: €7k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€11k▼ 46.6%€7k▼ 35.2%€5k▼ 25.2%
Operating result€13k-€-8k€-3k▲ 61.4%€-2k▲ 48.1%
Net result€10k-€-9k€-4k▲ 59.6%€-2k▲ 53.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €6k
Equity
€5k▼ 25.2%
Debt
€752▼ 63.3%
The debt ratio falls from 23.0% to 12.8%. Equity and debt are lower.
Key figures and ratios
Solvency
87.2%▲
2024 · 77.0%
Current ratio
8.98▲
2024 · 4.54
Quick ratio
8.98▲
2024 · 4.54
Debt / equity
0.15▼
2024 · 0.30
ROE
-33.8%▲
2024 · -54.4%
ROA
-29.4%▲
2024 · -41.8%
Debt
€752▼
2024 · €2k
Debt ≤ 1 year
€653▼
2024 · €2k
Income taxes
€0▼
2024 · €295
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€9k€6k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Plant, machinery and equipment23€0-
Furniture and vehicles24€0-
Current assets29/58€9k€6k▼
Amounts receivable within one year40/41€8k€6k▼
Trade receivables40€1k€0▼
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€535€191▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€9k€6k▼
Equity10/15€7k€5k▼
Contributions10/11€10k€10k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€-3k€-5k▼
Amounts payable17/49€2k€752▼
Amounts payable within one year42/48€2k€653▼
Trade debts44€2k€358▼
Suppliers440/4€2k€358▼
Taxes, remuneration and social security45€295€295=
Taxes450/3€295€295=
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€89€99▲
Income statement
Code20242025
Non-recurring operating income76A€13€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€513€527▲
Non-recurring operating charges66A€127€0▼
Gross operating margin9900€-2k€-1k▲
Operating profit (loss)9901€-3k€-2k▲
Financial income75/76B€12€0▼
Recurring financial income75€12€0▼
Financial charges65/66B€450€178▼
Recurring financial charges65€450€178▼
Profit (loss) for the period before taxes9903€-3k€-2k▲
Income taxes67/77€295€0▼
Profit (loss) for the period9904€-4k€-2k▲
Profit (loss) for the period to be appropriated9905€-4k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-5k▲
Profit (loss) brought forward from the previous period14P€-9k€-3k▲
Transfer from equity791/2€10k€0▼
The notes to these accounts (1 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 4.54
Current ratio from 1.41 to 4.54; short-term debt falls from €23k to €2k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-9k ▼194%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
24-07
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
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, Peer · 1 establishment unit since 2022
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.
Kluisstraat 483990 PeerGround area
1,061 m²
Building footprint
298 m²
Volume, LiDAR
1,534 m³
Parcel 72030E0929/00A000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAVANO
since 20222.331.485.367
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72030E0929/00A000 | Flanders | 1,061 m² | 1 · 298 m² | 7.9 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
Stalcom
BE 0742.800.363
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KIBEROM
BE 0682.795.272
Orp-Jauche · Eq €5k
Akvisto Consulting
BE 0781.575.619
Antwerpen · Eq €5k
anc.io
BE 0745.797.267
Leuven · Eq €5k
ST BETON
BE 0752.793.442
Waregem · Eq €5k
Of 3,153 companies in sector 63920 we hold annual accounts for 1,522. 528 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2022
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.