Be.Bel
ActiveThe annual accounts of Be.Bel for fiscal year 2025 show a net loss of 53% of the equity at the start of that year. The 2025 annual accounts show equity of €18k and a net result of €-20k. Equity is shrinking by ~16% per year across the filed fiscal years. Its solvency ranks better than 41% of 7740 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency64▼-36
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.35 against 33.54 in 2024; short-term debt: 61.1% and cash: 72.2% of total assets), and 61.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 82
Relative position
BE, all sectors
reference
Sector 82
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
38.9%
Return on assets
-43.5%
Age of the figures
15 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
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
19202122232425
2019 to 2025 · latest year €-20k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-11-2025, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
93 d early
2023
64 d early
2022
76 d early
2021
67 d early
2020
46 d early
2019
65 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▼ 52.8%
2024 · €37k
2019: €50k
2020: €79k
2021: €82k
2022: €87k
2023: €72k
2024: €37k
2019 → 2025
Total assets
€45k▲ 17.8%
2024 · €39k
2019: €56k
2020: €87k
2021: €84k
2022: €88k
2023: €73k
2024: €39k
2019 → 2025
Net result
€-20k▲ 42.3%
2024 · €-34k
2019: €-24k
2020: €29k
2021: €3k
2022: €5k
2023: €-15k
2024: €-34k
2019 → 2025
Working capital
€10k▼ 72.9%
2024 · €36k
2019: €49k
2020: €75k
2021: €74k
2022: €71k
2023: €61k
2024: €36k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€87k▲ 5.8%€72k▼ 17.2%€37k▼ 47.8%€18k▼ 52.8%
Operating result€5k-€8k▲ 66.4%€-15k€-34k▼ 132%€-19k▲ 43.9%
Net result€3k-€5k▲ 74.7%€-15k€-34k▼ 130%€-20k▲ 42.3%
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 €19k in 2025 against €34k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€8k▲ 519%
Current assets
€38k▲ 0.6%
Equity and liabilities €45k
Equity
€18k▼ 52.8%
Debt
€28k▲ 2,394%
The debt ratio rises from 2.9% to 61.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▲
2024 · €-30k
Cash flow
€-18k▲
2024 · €-31k
Solvency
38.9%▼
2024 · 97.1%
Current ratio
1.35▼
2024 · 33.54
Quick ratio
1.35▼
2024 · 33.54
Debt / equity
1.57▲
2024 · 0.03
ROE
-111.8%▼
2024 · -91.5%
ROA
-43.5%▲
2024 · -88.8%
Interest coverage
-77.46▼
2024 · -45.15
Debt
€28k▲
2024 · €1k
Debt ≤ 1 year
€28k▲
2024 · €1k
Income taxes
€640
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€39k€45k▲
Fixed assets21/28€1k€8k▲
Tangible fixed assets22/27€1k€8k▲
Land and buildings22-€7k
Plant, machinery and equipment23€625-
Furniture and vehicles24€374€1k▲
Other tangible fixed assets26€278-
Current assets29/58€37k€38k▲
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40€1k€1k▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€32k€33k▲
Deferred charges and accrued income490/1€688-
Equity and liabilities
Total equity and liabilities10/49€39k€45k▲
Equity10/15€37k€18k▼
Contributions10/11€12k€12k=
Reserves13€25k€12k▼
Tax-exempt reserves132€8k€8k=
Distributable reserves133€18k€5k▼
Profit (loss) carried forward14-€-7k
Amounts payable17/49€1k€28k▲
Amounts payable within one year42/48€1k€28k▲
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45-€322
Taxes450/3-€322
Other amounts payable47/48-€27k
Income statement
Code20242025
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-29k€-17k▲
Operating profit (loss)9901€-34k€-19k▲
Financial income75/76B€237€85▼
Recurring financial income75€237€85▼
Financial charges65/66B€670€228▼
Recurring financial charges65€670€228▼
Profit (loss) for the period before taxes9903€-34k€-19k▲
Income taxes67/77-€640
Profit (loss) for the period9904€-34k€-20k▲
Profit (loss) for the period to be appropriated9905€-34k€-20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-20k▲
Transfer from equity791/2€34k€13k▼
The notes to these accounts (5 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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
16-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 72.16
Current ratio from 30.33 to 72.16; short-term debt falls from €3k to €1k.
2021
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 30.33
Current ratio from 10.26 to 30.33; short-term debt falls from €8k to €3k.
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
2019
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
15-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 2 establishment units since 2007
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.
Van den Hautelei 2382100 AntwerpenGround area
1.1 ha
Building footprint
1,270 m²
Volume, LiDAR
24,792 m³
3 parcels, Flanders · tallest building 35.2 m, ±11 floors. Linked by address, not a title deed.
2 establishment units
Be.Bel
since 20072.166.427.296
August Vermeylenlaan 1, 2050 Antwerpen
since 20242.354.773.285
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11813N0713/00E000 | Flanders | 7,280 m² | 1 · 672 m² | 35.1 m · 11 fl. |
| 11345B0430/00Y000indicative | Flanders | 2,874 m² | 1 · 402 m² | 3.3 m · 1 fl. |
| 11346B0441/00E002 | Flanders | 564 m² | 1 · 196 m² | 14.7 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,105 EUR awarded · 3,345 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 720 EUR | 1,860 EUR |
| 2024 | 1 | 1,140 EUR | 0 EUR |
| 2023 | 1 | 60 EUR | 525 EUR |
| 2022 | 1 | 1,185 EUR | 960 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Pro Image
BE 0783.756.733
Leuven · Eq €18k
ROCCOMA
BE 0834.704.794
Lier · Eq €18k
Cogitare
BE 0746.699.169
Keerbergen · Eq €18k
JINSY
BE 1005.927.315
Brasschaat · Eq €18k
AS Admin
BE 0671.692.039
Zandhoven · Eq €18k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,598 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2007
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
46150Agents in the wholesale of furniture, household goods and hardware
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47512Retail sale of household textiles and bedding
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.