BI-BABY
ActiveBI-BABY has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €-9k. Equity is shrinking by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▲+3
Solvency68▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 4.87 against 6.64 in 2024; short-term debt: 7.8% and cash: 0.7% of total assets), but 57.5% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
42.5%
Return on assets
-7.3%
Age of the figures
9 mo
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 €-9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 7 filingsDeviation from the deadline
2025
29 d late
2024
29 d late
2023
61 d late
2022
30 d late
2021
22 d late
2020
75 d late
2019
122 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▼ 14.7%
2024 · €60k
2019: €67k
2020: €123k
2021: €90k
2022: €88k
2023: €73k
2024: €60k
2019 → 2025
Total assets
€121k▼ 11.4%
2024 · €137k
2019: €204k
2020: €262k
2021: €209k
2022: €212k
2023: €160k
2024: €137k
2019 → 2025
Net result
€-9k▲ 31.4%
2024 · €-13k
2019: €81k
2020: €56k
2021: €-32k
2022: €-2k
2023: €-15k
2024: €-13k
2019 → 2025
Working capital
€37k▼ 23.8%
2024 · €48k
2019: €68k
2020: €123k
2021: €89k
2022: €88k
2023: €64k
2024: €48k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€88k▼ 2.4%€73k▼ 16.9%€60k▼ 17.7%€52k▼ 14.7%
Operating result€-33k-€-5k▲ 84.7%€-13k▼ 161%€-13k▲ 1.2%€-9k▲ 34.1%
Net result€-32k-€-2k▲ 93.4%€-15k▼ 596%€-13k▲ 13.3%€-9k▲ 31.4%
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 €9k in 2025 against €13k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€75k▼ 6.2%
Current assets
€46k▼ 18.6%
Equity and liabilities €121k
Equity
€52k▼ 14.7%
Debt
€70k▼ 8.7%
The debt ratio rises from 55.8% to 57.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▲
2024 · €-8k
Cash flow
€-4k▲
2024 · €-8k
Solvency
42.5%▼
2024 · 44.2%
Current ratio
4.87▼
2024 · 6.64
Quick ratio
4.87▼
2024 · 6.64
Debt / equity
1.35▲
2024 · 1.26
ROE
-17.2%▲
2024 · -21.4%
ROA
-7.3%▲
2024 · -9.5%
Interest coverage
-2.43▲
2024 · -5.18
Debt
€70k▼
2024 · €76k
Debt ≤ 1 year
€10k▲
2024 · €9k
Debt > 1 year
€60k▼
2024 · €68k
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€137k€121k▼
Fixed assets21/28€80k€75k▼
Tangible fixed assets22/27€80k€75k▼
Land and buildings22€80k€75k▼
Current assets29/58€57k€46k▼
Amounts receivable after more than one year29€55k€45k▼
Other amounts receivable291€55k€45k▼
Amounts receivable within one year40/41€379€379=
Other amounts receivable41€379€379=
Cash at bank and in hand54/58€1k€860▼
Equity and liabilities
Total equity and liabilities10/49€137k€121k▼
Equity10/15€60k€52k▼
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Profit (loss) carried forward14€54k€45k▼
Amounts payable17/49€76k€70k▼
Amounts payable after more than one year17€68k€60k▼
Financial debts170/4€68k€60k▼
Amounts payable within one year42/48€9k€10k▲
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€5k-
Gross operating margin9900€-3k€-4k▼
Operating profit (loss)9901€-13k€-9k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-13k€-9k▲
Profit (loss) for the period9904€-13k€-9k▲
Profit (loss) for the period to be appropriated9905€-13k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€45k▼
Profit (loss) brought forward from the previous period14P€67k€54k▼
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
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet €-32k ▼158%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
14-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 75 days late
2020
31-12
Financial
Equity above €100kEq €123k ▲83.7%
2 profitable years in a row build equity to €123k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Grimbergen
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.
Gudrunstraat 201850 GrimbergenGround area
287 m²
Building footprint
78 m²
Volume, LiDAR
596 m³
Parcel 23402E0111/00R004, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23402E0111/00R004 | Flanders | 287 m² | 1 · 78 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
Flexflow
BE 0644.724.950
Oostkamp · Eq €52k
Be-drone
BE 0802.456.749
Sint-Lambrechts-Woluwe · Eq €52k
MEETING MEDIA COMPANY
BE 0447.707.656
Antwerpen · Eq €52k
Joris Timmermans
BE 1013.005.741
Landen · Eq €51k
BIMMOW
BE 0770.670.047
Welkenraedt · Eq €51k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 6,926 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-01-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
55203Holiday cottages, homes and apartments
86907Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.