BEBIO
ActiveSummary
The annual accounts of BEBIO for fiscal year 2025 show a net loss of 52% of the equity at the start of that year. The 2025 annual accounts show equity of €15,095 and a net result of -€16,120. Equity is shrinking by ~41.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 29% of 18537 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability6▼-32
Solvency35▼-8
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
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 short (current ratio 0.87 against 0.97 in 2024; short-term debt: 78.8% and cash: 8.4% of total assets), and 90.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
9.8%
Return on assets
-10.4%
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
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
232425
2023 to 2025 · latest year -€16,120
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 27-07-2026, 4 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
4 d early
2024
33 d early
2023
26 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 21 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€15,095▼ 51.6%
2024 · €31,214
Total assets
€154,614▼ 10.3%
2024 · €172,389
Net result
-€16,120▼ 68.1%
2024 · -€9,591
Working capital
-€16,398▼ 445%
2024 · -€3,007
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result-€11,038--€8,167▲ 26.0%-€15,230▼ 86.5%
Net result-€12,184below the sector's middle half--€9,591below the sector's middle half▲ 21.3%-€16,120below the sector's middle half▼ 68.1%
Equity€40,805within the sector's middle half-€31,214within the sector's middle half▼ 23.5%€15,095within the sector's middle half▼ 51.6%
Total assets€194,745within the sector's middle half-€172,389within the sector's middle half▼ 11.5%€154,614within the sector's middle half▼ 10.3%
Debt€153,940-€141,175▼ 8.3%€139,519▼ 1.2%
Working capital€885--€3,007-€16,398▼ 445%
Solvency21.0%within the sector's middle half-18.1%within the sector's middle half▼ 2.8pp9.8%within the sector's middle half▼ 8.3pp
Staff (FTE)1.3-2▲ 53.8%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 €15,230 in 2025 against €8,167 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154,614
Fixed assets
€49,192 ▼ 16.4%
Current assets
€105,421 ▼ 7.1%
Equity and liabilities €154,614
Equity
€15,095 ▼ 51.6%
Debt
€139,519 ▼ 1.2%
Debt's share of the balance-sheet total rises from 81.9% to 90.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€3,712▼
2024 · €4,328
Cash flow
-€4,602▼
2024 · €2,904
Current ratio
0.87▼
2024 · 0.97
Quick ratio
0.13▼
2024 · 0.14
Debt to equity
9.24▲
2024 · 4.52
ROE
-106.8%▼
2024 · -30.7%
ROA
-10.4%▼
2024 · -5.6%
Interest coverage
-4.85▼
2024 · 3.13
Debt ≤ 1 year
€121,819▲
2024 · €116,525
Debt > 1 year
€17,700▼
2024 · €24,650
Income taxes
€141▲
2024 · €140
Staff costs
€39,896▲
2024 · €38,432
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 644 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 90% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a loss of 10% of the balance sheet or more
3.0%
went bankrupt
5.4%
stopped otherwise
90%
still going
A further 1.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 644 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €30,903 | €38,432 | €39,896 | ▲ 3.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,160 | €12,495 | €11,518 | ▼ 7.8% |
| Other operating charges640/8 | €476 | €1,300 | €1,322 | ▲ 1.7% |
| Gross operating margin9900 | €33,501 | €44,060 | €37,505 | ▼ 14.9% |
| Operating profit (loss)9901 | -€11,038 | -€8,167 | -€15,230 | ▼ 86.5% |
| Financial income75/76B | €79 | €97 | €18 | ▼ 81.9% |
| Recurring financial income75 | €79 | €97 | €18 | ▼ 81.9% |
| Financial charges65/66B | €1,094 | €1,381 | €766 | ▼ 44.5% |
| Recurring financial charges65 | €1,094 | €1,381 | €766 | ▼ 44.5% |
| Profit (loss) for the period before taxes9903 | -€12,053 | -€9,451 | -€15,979 | ▼ 69.1% |
| Income taxes67/77 | €132 | €140 | €141 | ▲ 1.0% |
| Profit (loss) for the period9904 | -€12,184 | -€9,591 | -€16,120 | ▼ 68.1% |
| Profit (loss) for the period to be appropriated9905 | -€12,184 | -€9,591 | -€16,120 | ▼ 68.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €194,745 | €172,389 | €154,614 | ▼ 10.3% |
| Fixed assets21/28 | €71,366 | €58,871 | €49,192 | ▼ 16.4% |
| Tangible fixed assets22/27 | €71,366 | €58,871 | €49,192 | ▼ 16.4% |
| Land and buildings22 | €12,395 | €10,415 | €8,567 | ▼ 17.7% |
| Plant, machinery and equipment23 | €52,406 | €45,047 | €40,096 | ▼ 11.0% |
| Furniture and vehicles24 | €6,565 | €3,409 | €529 | ▼ 84.5% |
| Current assets29/58 | €123,379 | €113,518 | €105,421 | ▼ 7.1% |
| Stocks and contracts in progress3 | €103,499 | €97,724 | €89,346 | ▼ 8.6% |
| Stocks30/36 | €103,499 | €97,724 | €89,346 | ▼ 8.6% |
| Amounts receivable within one year40/41 | €10,453 | €4,688 | €2,018 | ▼ 57.0% |
| Trade receivables40 | €5,991 | €722 | €154 | ▼ 78.7% |
| Other amounts receivable41 | €4,462 | €3,966 | €1,864 | ▼ 53.0% |
| Cash at bank and in hand54/58 | €9,290 | €10,921 | €12,920 | ▲ 18.3% |
| Deferred charges and accrued income490/1 | €137 | €185 | €1,137 | ▲ 514% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €194,745 | €172,389 | €154,614 | ▼ 10.3% |
| Equity10/15 | €40,805 | €31,214 | €15,095 | ▼ 51.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €30,660 | €30,660 | €30,660 | = |
| Distributable reserves133 | €30,660 | €30,660 | €30,660 | = |
| Profit (loss) carried forward14 | -€8,455 | -€18,046 | -€34,165 | ▼ 89.3% |
| Amounts payable17/49 | €153,940 | €141,175 | €139,519 | ▼ 1.2% |
| Amounts payable after more than one year17 | €31,446 | €24,650 | €17,700 | ▼ 28.2% |
| Financial debts170/4 | €31,446 | €24,650 | €17,700 | ▼ 28.2% |
| Amounts payable within one year42/48 | €122,494 | €116,525 | €121,819 | ▲ 4.5% |
| Current portion of amounts payable after more than one year42 | €11,399 | €6,796 | €6,950 | ▲ 2.3% |
| Financial debts43 | - | - | €407 | - |
| Credit institutions430/8 | - | - | €407 | - |
| Trade debts44 | €68,189 | €64,942 | €68,780 | ▲ 5.9% |
| Suppliers440/4 | €68,189 | €64,942 | €68,780 | ▲ 5.9% |
| Taxes, remuneration and social security45 | €32,384 | €33,695 | €27,392 | ▼ 18.7% |
| Taxes450/3 | €837 | €1,242 | €280 | ▼ 77.4% |
| Remuneration and social security454/9 | €31,547 | €32,453 | €27,112 | ▼ 16.5% |
| Other amounts payable47/48 | €10,522 | €11,092 | €18,290 | ▲ 64.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€12,184 | -€9,591 | -€16,120 | ▼ 68.1% |
| + Depreciation and write-downs630 | €13,160 | €12,495 | €11,518 | ▼ 7.8% |
| Operating cash flow (approximation) | €975 | €2,904 | -€4,602 | ▼ 258% |
| Investment in fixed assets (approximation) | - | €0 | -€1,840 | - |
| Change in cash | - | €1,631 | €1,999 | ▲ 22.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€16,120
Net result drops to -€16,120, the lowest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Koksijde · 1 establishment unit since 2014
Ground area
682 m²
Building footprint
317 m²
Volume, LiDAR
1,514 m³
Parcel 38018A0097/00A000, Flanders · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
De Teunisbloem - Natuurwinkel
since 20142.227.239.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38018A0097/00A000 | Flanders | 682 m² | 1 · 317 m² | 10.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKoksijde2.227.239.863
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AL'BINETE HACCOURT
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ARCHIMEDE ENTREPRISE
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AMANAT88
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Of 2,474 companies in sector 47279 we hold annual accounts for 949. 651 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47279Other retail sale of food
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0544925709
Also
9925:BE0544925709
Registered
31-10-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.