BEDIGA
ActiveBEDIGA has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €810k and a net result of €105k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 12.13 against 9.3 in 2024; short-term debt: 6.6% and cash: 47.3% of total assets), and 16.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
83.1%
Return on assets
10.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
29 d late
2023
2 d early
2022
on the day
2021
on the day
2020
4 d early
2019
1 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€810k▼ 7.8%
2024 · €878k
2019: €294k
2020: €391k
2021: €533k
2022: €682k
2023: €859k
2024: €878k
2019 → 2025
Total assets
€974k▼ 10.7%
2024 · €1.09M
2019: €446k
2020: €483k
2021: €683k
2022: €849k
2023: €1.01M
2024: €1.09M
2019 → 2025
Net result
€105k▼ 39.0%
2024 · €172k
2019: €67k
2020: €106k
2021: €157k
2022: €167k
2023: €192k
2024: €172k
2019 → 2025
Working capital
€713k▼ 9.2%
2024 · €786k
2019: €234k
2020: €331k
2021: €368k
2022: €589k
2023: €816k
2024: €786k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€533k-€682k▲ 27.9%€859k▲ 26.0%€878k▲ 2.3%€810k▼ 7.8%
Operating result€234k-€257k▲ 9.9%€293k▲ 13.6%€271k▼ 7.2%€160k▼ 41.1%
Net result€157k-€167k▲ 6.4%€192k▲ 15.2%€172k▼ 10.7%€105k▼ 39.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 41% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €974k
Fixed assets
€196k▼ 6.4%
Current assets
€777k▼ 11.7%
Equity and liabilities €974k
Equity
€810k▼ 7.8%
Debt
€164k▼ 22.6%
The debt ratio falls from 19.5% to 16.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€238k▼
2024 · €330k
Cash flow
€183k▼
2024 · €230k
Solvency
83.1%▲
2024 · 80.5%
Current ratio
12.13▲
2024 · 9.30
Quick ratio
12.13▲
2024 · 9.30
Debt / equity
0.20▼
2024 · 0.24
ROE
12.9%▼
2024 · 19.5%
ROA
10.8%▼
2024 · 15.7%
Interest coverage
14.12▲
2024 · 11.31
Debt
€164k▼
2024 · €212k
Debt ≤ 1 year
€64k▼
2024 · €95k
Debt > 1 year
€74k▼
2024 · €92k
Income taxes
€46k▼
2024 · €83k
Staff costs
€173k▼
2024 · €355k
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€1.09M€974k▼
Fixed assets21/28€210k€196k▼
Tangible fixed assets22/27€206k€193k▼
Land and buildings22€172€15▼
Plant, machinery and equipment23€74k€56k▼
Furniture and vehicles24€132k€137k▲
Financial fixed assets28€4k€4k=
Current assets29/58€881k€777k▼
Amounts receivable after more than one year29€200k€200k=
Other amounts receivable291€200k€200k=
Amounts receivable within one year40/41€105k€102k▼
Trade receivables40€19k€16k▼
Other amounts receivable41€86k€86k▼
Cash at bank and in hand54/58€559k€460k▼
Deferred charges and accrued income490/1€17k€15k▼
Equity and liabilities
Total equity and liabilities10/49€1.09M€974k▼
Equity10/15€878k€810k▼
Contributions10/11€19k€19k=
Reserves13€860k€791k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€858k€791k▼
Amounts payable17/49€212k€164k▼
Amounts payable after more than one year17€92k€74k▼
Financial debts170/4€92k€74k▼
Amounts payable within one year42/48€95k€64k▼
Current portion of amounts payable after more than one year42-€24k
Financial debts43€43k-
Credit institutions430/8€43k-
Trade debts44€20k€9k▼
Suppliers440/4€20k€9k▼
Taxes, remuneration and social security45€28k€27k▼
Taxes450/3€23k€21k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€4k€4k▲
Accrued charges and deferred income492/3€26k€26k=
Income statement
Code20242025
Non-recurring operating income76A-€12k
Remuneration, social security and pensions62€355k€173k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€78k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€689k€415k▼
Operating profit (loss)9901€271k€160k▼
Financial income75/76B€3k€8k▲
Recurring financial income75€3k€8k▲
Financial charges65/66B€29k€17k▼
Recurring financial charges65€29k€17k▼
Profit (loss) for the period before taxes9903€246k€151k▼
Transfer from deferred taxes780€9k-
Income taxes67/77€83k€46k▼
Profit (loss) for the period9904€172k€105k▼
Transfer from tax-exempt reserves789€26k-
Profit (loss) for the period to be appropriated9905€198k€105k▼
Appropriation of the result
Profit (loss) to be appropriated9906€198k€105k▼
Transfer from equity791/2€152k€173k▲
Transfer to equity691/2€198k€105k▼
To other reserves6921€198k€105k▼
Profit to be distributed694/7€152k€173k▲
Return on contributions (dividend)694€152k€173k▲
Social balance
Average headcount (FTE)90874.64.5▼
The notes to these accounts (13 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-04
Financial
Highest result since 2019net €192k ▲15.2%
Operating result €293k, net result €192k, both a record.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-04
Financial
Equity above €500kEq €533k ▲36.2%
3 profitable years in a row build equity to €533k.
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
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, Dilbeek · 2 establishment units since 1999
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.
Molenstraat 441700 DilbeekGround area
1,516 m²
Building footprint
348 m²
Volume, LiDAR
2,253 m³
2 parcels, Flanders, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
BEDIGA
since 19992.081.925.747
Bediga
since 20122.208.755.821
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25098B0019/00H000 | Wallonia | 1,271 m² | 1 · 103 m² | 5.0 m · 1 fl. |
| 23074C0078/00N012 | Flanders | 245 m² | 1 · 245 m² | 10.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 984 EUR awarded · 954 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 273 EUR | 273 EUR |
| 2024 | 1 | 348 EUR | 544 EUR |
| 2023 | 1 | 208 EUR | 89 EUR |
| 2022 | 1 | 155 EUR | 48 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
1 categorybediga BV29506
Similar companies · same sector, comparable size
Geotechnix
BE 0543.453.188
Oostkamp · Eq €816k
BORINGEN VANDAELE
BE 0453.298.717
Oostkamp · Eq €817k
TAROS
BE 0671.456.467
Mouscron · Eq €823k
Central Sign Service
BE 0419.074.147
Beveren-Kruibeke-Zwijndrecht · Eq €782k
GRANIPIERRE - FORAGE
BE 0422.115.294
Namur · Eq €854k
Of 607 companies in sector 43130 we hold annual accounts for 302. 180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-1997
Fiscal year end31-12
Activities, NACEBEL
43130Specialised construction activities
51340
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46349Wholesale of beverages, general range
50200
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.