BAVARIA GROUP
ActiveSummary
The computed 12-month bankruptcy probability of BAVARIA GROUP is 1.8% (moderate). The 2025 annual accounts show negative equity (€-11k) and a net result of €-11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 18280 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
28
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-46
Solvency0▼-20
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.42 against 0.96 in 2024; short-term debt: 236.8% and cash: 31.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
-136.8%
Return on assets
-127.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-11k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 9 filingsDeviation from the deadline
2025
30 d late
2024
186 d late
2023
545 d late
2022
31 d late
2021
6 d early
2020
39 d late
2019
11 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-11k▼ 1,312%
2024 · €-814
2018: €-1k
2019: €5k
2020: €8k
2021: €4k
2022: €-9k
2023: €-1k
2024: €-814
2018 → 2025
Total assets
€8k▼ 53.3%
2024 · €18k
2018: €37k
2019: €12k
2020: €13k
2021: €11k
2022: €21k
2023: €31k
2024: €18k
2018 → 2025
Net result
€-11k
2024 · €617
2018: €-6k
2019: €6k
2020: €3k
2021: €-4k
2022: €-12k
2023: €7k
2024: €617
2018 → 2025
Working capital
€-11k▼ 1,312%
2024 · €-814
2018: €-1k
2019: €5k
2020: €8k
2021: €4k
2022: €-9k
2023: €-1k
2024: €-814
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€-9k€-1k▲ 83.6%€-814▲ 43.1%€-11k▼ 1,312%
Operating result€-5k-€-12k▼ 155%€7k€670▼ 90.8%€-9k
Net result€-4k-€-12k▼ 201%€7k€617▼ 91.5%€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €670 in 2024.
Key figures and ratios
Solvency
-136.8%▼
2024 · -4.5%
Current ratio
0.42▼
2024 · 0.96
Quick ratio
0.13▼
2024 · 0.65
Debt to equity
-1.73
ROA
-127.1%▼
2024 · 3.4%
Debt
€20k▲
2024 · €19k
Debt ≤ 1 year
€20k▲
2024 · €19k
Income taxes
€2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€18k€8k▼
Current assets29/58€18k€8k▼
Stocks and contracts in progress3€6k€6k=
Stocks30/36€6k€6k=
Amounts receivable within one year40/41€12k-
Trade receivables40€321-
Other amounts receivable41€12k-
Cash at bank and in hand54/58-€3k
Equity and liabilities
Total equity and liabilities10/49€18k€8k▼
Equity10/15€-814€-11k▼
Contributions10/11€12k€12k=
Profit (loss) carried forward14€-13k€-24k▼
Amounts payable17/49€19k€20k▲
Amounts payable within one year42/48€19k€20k▲
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€14k€16k▲
Suppliers440/4€14k€16k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48-€131
Income statement
Code20242025
Gross operating margin9900€670€-9k▼
Operating profit (loss)9901€670€-9k▼
Financial charges65/66B€53€132▲
Recurring financial charges65€53€132▲
Profit (loss) for the period before taxes9903€617€-9k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€617€-11k▼
Profit (loss) for the period to be appropriated9905€617€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-24k▼
Profit (loss) brought forward from the previous period14P€-14k€-13k▲
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 186 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 545 days late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 39 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ternat · 1 establishment unit since 2016
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.
Assesteenweg 1161740 TernatGround area
3,023 m²
Building footprint
203 m²
Volume, LiDAR
495 m³
2 parcels, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BAVARIA GROUP
since 20162.257.911.758
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41014A1935/00S003 | Flanders | 2,941 m² | 1 · 144 m² | - |
| 23086A0354/00K002 | Flanders | 82 m² | 1 · 58 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Intercompany M&Z
BE 0794.368.137
Antwerpen · Eq €3,519
JEZI-CARS
BE 0738.769.321
Waregem · Eq €3,511
BRUMOCAR
BE 0821.198.139
Watermaal-Bosvoorde · Eq €3,521
HMBD SERVICES
BE 0735.412.329
Ternat · Eq €3,485
GARAGE BOUZENDORFF
BE 0419.129.674
Bastogne · Eq €3,553
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 1,316 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
52210Service activities incidental to land transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.