BAWAB
ActiveBAWAB has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €306k and a net result of €143k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
99
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.4 against 3.87 in 2024; short-term debt: 17% and cash: 74.4% of total assets), and 17% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
83%
Return on assets
38.8%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
27 d late
2023
18 d late
2022
16 d late
2021
19 d late
2020
26 d late
2019
11 d late
← 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
€306k▲ 87.8%
2024 · €163k
2018: €118k
2019: €115k
2020: €121k
2021: €130k
2022: €129k
2023: €127k
2024: €163k
2018 → 2025
Total assets
€369k▲ 92.3%
2024 · €192k
2018: €273k
2019: €237k
2020: €222k
2021: €192k
2022: €174k
2023: €154k
2024: €192k
2018 → 2025
Net result
€143k▲ 299%
2024 · €36k
2018: €2k
2019: €-4k
2020: €7k
2021: €9k
2022: €-709
2023: €-3k
2024: €36k
2018 → 2025
Working capital
€214k▲ 158%
2024 · €83k
2018: €-26k
2019: €-19k
2020: €10k
2021: €39k
2022: €52k
2023: €47k
2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€129k▼ 0.5%€127k▼ 1.9%€163k▲ 28.3%€306k▲ 87.8%
Operating result€13k-€2k▼ 85.1%€-1k€51k€206k▲ 301%
Net result€9k-€-709€-3k▼ 255%€36k€143k▲ 299%
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 301% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €369k
Fixed assets
€92k▲ 15.2%
Current assets
€277k▲ 147%
Equity and liabilities €369k
Equity
€306k▲ 87.8%
Debt
€63k▲ 118%
The debt ratio rises from 15.1% to 17.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€234k▲
2024 · €73k
Cash flow
€171k▲
2024 · €58k
Solvency
83.0%▼
2024 · 84.9%
Current ratio
4.40▲
2024 · 3.87
Quick ratio
4.40▲
2024 · 3.87
Debt / equity
0.21▲
2024 · 0.18
ROE
46.8%▲
2024 · 22.0%
ROA
38.8%▲
2024 · 18.7%
Interest coverage
916.93▲
2024 · 742.92
Debt
€63k▲
2024 · €29k
Debt ≤ 1 year
€63k▲
2024 · €29k
Income taxes
€63k▲
2024 · €15k
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€192k€369k▲
Fixed assets21/28€80k€92k▲
Tangible fixed assets22/27€80k€92k▲
Land and buildings22€30k€15k▼
Plant, machinery and equipment23€16k€47k▲
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€31k€27k▼
Current assets29/58€112k€277k▲
Amounts receivable within one year40/41€3k€2k▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€105k€274k▲
Deferred charges and accrued income490/1€4k€470▼
Equity and liabilities
Total equity and liabilities10/49€192k€369k▲
Equity10/15€163k€306k▲
Contributions10/11€13k€13k=
Reserves13€38k€181k▲
Distributable reserves133€38k€181k▲
Profit (loss) carried forward14€112k€112k=
Amounts payable17/49€29k€63k▲
Amounts payable within one year42/48€29k€63k▲
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€11k€49k▲
Taxes450/3€11k€43k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48€15k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€28k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€80k€237k▲
Operating profit (loss)9901€51k€206k▲
Financial charges65/66B€98€255▲
Recurring financial charges65€98€255▲
Profit (loss) for the period before taxes9903€51k€206k▲
Income taxes67/77€15k€63k▲
Profit (loss) for the period9904€36k€143k▲
Profit (loss) for the period to be appropriated9905€36k€143k▲
Appropriation of the result
Profit (loss) to be appropriated9906€148k€255k▲
Profit (loss) brought forward from the previous period14P€112k€112k=
Transfer to equity691/2€36k€143k▲
To other reserves6921€36k€143k▲
The notes to these accounts (9 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €143k ▲299%
Operating result €206k, net result €143k, both a record.
31-12
Financial
Equity above €200kEq €306k ▲87.8%
2 profitable years in a row build equity to €306k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €36k
Net result €36k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €163k ▲28.3%
Equity rises from €127k to €163k.
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
31-12
Financial
Weakest financial yearnet €-4k ▼288%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Vilvoorde · 2 establishment units since 2006
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.
Romeinsesteenweg 2831800 VilvoordeGround area
2,384 m²
Building footprint
536 m²
Volume, LiDAR
6,223 m³
2 parcels, Flanders, Wallonia · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
BAWAB
since 20062.158.621.370
BAWAAB SRL
since 20262.384.138.254
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322D0102/00H000 | Wallonia | 1,676 m² | 1 · 376 m² | 16.9 m · 5 fl. |
| 23088A0065/00B006 | Flanders | 708 m² | 1 · 160 m² | 6.1 m · 2 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
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DENTALMED BA
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TANDARTSENPRAKTIJK SABINE VANHEES
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,692 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2006
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.