BELGIAN BUSINESS SYSTEMS
ActiveSummary
BELGIAN BUSINESS SYSTEMS has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €21k and a net result of €-1k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 57% of 5894 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-5
Solvency73▼-4
Growth40▲+4
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.38 in 2023; short-term debt: 51.8% and cash: 67% of total assets), and 51.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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 2024Solvency, return and age of the figures
Solvency
48.2%
Return on assets
-2.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-06-2025, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
40 d early
2023
12 d early
2022
25 d early
2021
37 d early
2020
15 d early
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€40k▼ 1.9%
2023 · €41k
2022: €45k
2023: €41k
2022 → 2024
EBIT margin
0.5%▼ 9.0pp
2023 · 9.6%
2022: 23.6%
2023: 9.6%
2022 → 2024
Net result
€-1k
2023 · €1k
2018: €10k
2019: €22k
2020: €21k
2021: €17k
2022: €8k
2023: €1k
2018 → 2024
Working capital
€11k▲ 36.9%
2023 · €8k
2018: €16k
2019: €4k
2020: €-971
2021: €-1k
2022: €2k
2023: €8k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€45k€41k▼ 8.8%€40k▼ 1.9%
Equity€24k-€22k▼ 10.6%€23k▲ 4.1%€23k▲ 2.5%€21k▼ 8.0%
Operating result€30k-€25k▼ 15.1%€11k▼ 57.5%€4k▼ 63.1%€220▼ 94.4%
Net result€21k-€17k▼ 17.4%€8k▼ 54.7%€1k▼ 82.7%€-1k
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2024 is 94% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €44k
Fixed assets
€10k ▼ 31.6%
Current assets
€34k ▲ 16.5%
Equity and liabilities €44k
Equity
€21k ▼ 8.0%
Debt
€23k ▲ 8.8%
Debt's share of the balance-sheet total rises from 47.6% to 51.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€10k▼
2023 · €12k
Cash flow
€8k▼
2023 · €10k
Current ratio
1.48▲
2023 · 1.38
Debt to equity
1.08▲
2023 · 0.91
ROE
-4.8%▼
2023 · 5.9%
ROA
-2.3%▼
2023 · 3.1%
Interest coverage
57.73▼
2023 · 60.14
Debt ≤ 1 year
€23k▲
2023 · €21k
Income taxes
€1k▼
2023 · €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 · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€44k€44k=
Fixed assets21/28€15k€10k▼
Tangible fixed assets22/27€15k€10k▼
Furniture and vehicles24€15k€10k▼
Current assets29/58€29k€34k▲
Amounts receivable within one year40/41€9k€4k▼
Trade receivables40€5k€173▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€20k€30k▲
Deferred charges and accrued income490/1€454€476▲
Equity and liabilities
Total equity and liabilities10/49€44k€44k=
Equity10/15€23k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€3k€870▼
Amounts payable17/49€21k€23k▲
Amounts payable within one year42/48€21k€23k▲
Taxes, remuneration and social security45€107-
Taxes450/3€107-
Other amounts payable47/48€21k€23k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Turnover70€41k€40k▼
Goods, raw materials, services and sundry goods60/61€28k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€729€748▲
Gross operating margin9900€13k€10k▼
Operating profit (loss)9901€4k€220▼
Financial charges65/66B€203€165▼
Recurring financial charges65€203€165▼
Profit (loss) for the period before taxes9903€4k€55▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€1k€-1k▼
Profit (loss) for the period to be appropriated9905€1k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€2k▼
Profit (loss) brought forward from the previous period14P€2k€3k▲
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
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
2025
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-1k ▼176%
Net result drops to €-1k, the lowest in the series.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €22k ▲120%
Operating result €32k, net result €22k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 1995
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.
Rue de la Micheline 11348 Ottignies-Louvain-la-Neuve1 establishment unit
BELGIAN BUSINESS SYSTEMS en abrégé BBS
since 19952.018.385.502
Similar companies · same sector, comparable size
CLMA Services
BE 0799.475.879
Waterloo · Eq €20,992
SYNDUCTIS
BE 0502.445.845
Merelbeke-Melle · Eq €21,700
GEMAPRO
BE 0878.988.264
Visé · Eq €21,720
SERVICES ET ENTRETIEN IMMOBILIER
BE 0647.850.330
Mons · Eq €22,435
GMT PROJECT
BE 0464.240.713
Wavre · Eq €20,040
Of 1,280 companies in sector 81100 we hold annual accounts for 677. 286 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
Founded17-12-1980
Fiscal year end31-12
Abbreviation FR
BBS
Activities, NACEBEL 2025
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filings
Scores and ratios are computed by Checked and are not a credit decision.