BI-LO-FI

Active

Public limited companyfounded 1993active for 32 yearsKlaverstraat 71, 8000 Brugge, BelgiumKBO/BCE: BE 0451.701.680

Summary

BI-LO-FI has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.9m and a net result of €55,828. Equity is growing by about 3.4% per year across the filed financial years. Its solvency ranks better than 95% of 11,213 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

BI-LO-FIActiveChecked score 97/100

Risk analysis Report Compare

Activity

Renting and operating of own or leased non-residential real estate, excluding land

NACE 68203

1 site

Size

≈ €180,000turnover 2025, estimated

Staff: 1 FTE
Equity: €1.9m
Profit: €55,828

Turnover estimated from the gross margin

Financial health

97 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

2025 accounts 25 days early7 deeds in the Belgian Official Gazette

Why 97lowers riskLiquidity: current ratio 91.22, cash €726,182Equity €1.9m (99.4% of total assets)Size: total assets €1.9mFigures for financial year 2025 (filed 06-07-2026)Show the evidence

Checked score

Score 2025

97 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 73% of its sector peers (NACE 68, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 99.4% of total assets

Liquidity 97+36

short-term debt 0.5% · cash 37.9%

Profitability 72=

return on assets 2.9%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,627 companies, NACE 68, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025highest value 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value

Credit of up to €180,000 on 30-day terms is acceptable

Liquidity ample (current ratio 91.22, compared with 38.5 in 2024, above the usual 1.5; short-term debt: 0.5% and cash: 37.9% of total assets), and 0.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro): better than 91% on solvency, 95% on liquidity, 64% on profitability and 43% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskneutral

Liquidity: current ratio 91.22, cash €726,182

NBB · annual accounts

Equity €1.9m (99.4% of total assets)

NBB · annual accounts

Size: total assets €1.9m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Figures for financial year 2025 (filed 06-07-2026)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

25 days early

2024

24 days early

2023

23 days early

2022

23 days late

2021

18 days late

2021

2 days early

2020

1 day early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 5 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 July (4 of the last 5 filed years within 40 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

06-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
31-12-2025 Liquidity more than doubledcurrent ratio 91.22
07-07-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Positive: Among the best 5% on solvencysector median 30.8% · 11,213 companies 99.4% View
Active since 1993founded 14-12-1993 32 years View
Total assets 20256 financial years filed €1.9m View

By topic

Financials

Financial year: 2025
Total assets: €1.9m
Profit: €55,828
Solvency: 99.4%

Total assets▼ 1.3%

Net result

20192025

Go to Financials

Timeline

Events: 40
Since: 1996
Next accounts: by 31-07-2027

08-07-2024Annual accounts filed
23-08-2023Annual accounts filed
31-12-2022Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Renting and operating of own or leased non-residential…NACE 68203
Founded: 14-12-1993
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about BI-LO-FI

What is the company number of BI-LO-FI?: 0451.701.680. In Belgium the VAT number is the company number with BE in front: BE 0451.701.680.
Where is BI-LO-FI based?: The registered office is at Klaverstraat 71, 8000 Brugge.Company details
What does BI-LO-FI do?: According to the KBO register, the main activity is renting and operating of own or leased non-residential real estate, excluding land (NACE 68203).
What is the legal form of BI-LO-FI?: Public limited company (NV).
When was BI-LO-FI founded?: On 14-12-1993.
Is BI-LO-FI still active?: Yes, BI-LO-FI is an active enterprise in the KBO register.
How many employees does BI-LO-FI have?: On average 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of BI-LO-FI?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is BI-LO-FI profitable?: In financial year 2025, BI-LO-FI made a profit of €55,828.
Where can I find the annual accounts of BI-LO-FI?: BI-LO-FI filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BI-LO-FI due?: By 31-07-2027, for financial year 2026.Timeline