BI-LO-FI
ActiveBI-LO-FI has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.90M and a net result of €56k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 91.22 against 38.5 in 2024), and 0.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
99.4%
Return on assets
2.9%
Age of the figures
8 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
24 d early
2023
23 d early
2022
23 d late
2021
18 d late
2021
2 d early
2020
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.90M▼ 0.6%
2024 · €1.91M
2019: €1.51M
2020: €1.58M
2021: €2.45M
2021: €1.89M
2022: €1.88M
2023: €1.91M
2024: €1.91M
2019 → 2025
Total assets
€1.91M▼ 1.3%
2024 · €1.94M
2019: €1.57M
2020: €1.61M
2021: €2.58M
2021: €1.93M
2022: €1.89M
2023: €1.93M
2024: €1.94M
2019 → 2025
Net result
€56k▼ 1.8%
2024 · €57k
2019: €58k
2020: €67k
2021: €924k
2021: €-461k
2022: €55k
2023: €53k
2024: €57k
2019 → 2025
Working capital
€894k▲ 2.5%
2024 · €872k
2019: €135k
2020: €201k
2021: €578k
2021: €746k
2022: €767k
2023: €828k
2024: €872k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.89M-€1.88M▼ 0.7%€1.91M▲ 1.6%€1.91M▲ 0.4%€1.90M▼ 0.6%
Operating result€-462k-€56k€71k▲ 26.8%€69k▼ 1.7%€75k▲ 7.9%
Net result€-461k-€55k€53k▼ 2.9%€57k▲ 7.4%€56k▼ 1.8%
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 recovers in 2025; 2025 is 8% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.91M
Fixed assets
€1.01M▼ 3.2%
Current assets
€904k▲ 1.0%
Equity and liabilities €1.91M
Equity
€1.90M▼ 0.6%
Debt
€12k▼ 53.0%
The debt ratio falls from 1.3% to 0.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€108k▲
2024 · €103k
Cash flow
€89k▼
2024 · €90k
Solvency
99.4%▲
2024 · 98.7%
Current ratio
91.22▲
2024 · 38.50
Quick ratio
91.22▲
2024 · 38.50
Debt / equity
0.01▼
2024 · 0.01
ROE
2.9%▼
2024 · 3.0%
ROA
2.9%▼
2024 · 2.9%
Interest coverage
1506.95▲
2024 · 571.24
Debt
€12k▼
2024 · €26k
Debt ≤ 1 year
€10k▼
2024 · €23k
Debt > 1 year
€193=
2024 · €193
Income taxes
€26k▼
2024 · €27k
Staff costs
€10k▲
2024 · €10k
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€1.94M€1.91M▼
Fixed assets21/28€1.04M€1.01M▼
Tangible fixed assets22/27€1.04M€1.00M▼
Land and buildings22€1.03M€1.00M▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€8k€8k=
Current assets29/58€895k€904k▲
Amounts receivable after more than one year29€172k€128k▼
Other amounts receivable291€172k€128k▼
Amounts receivable within one year40/41€44k€44k=
Other amounts receivable41€44k€44k=
Current investments50/53€500k€0▼
Cash at bank and in hand54/58€171k€726k▲
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.94M€1.91M▼
Equity10/15€1.91M€1.90M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.85M€1.84M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€628€628=
Distributable reserves133€1.84M€1.83M▼
Profit (loss) carried forward14€765€793▲
Amounts payable17/49€26k€12k▼
Amounts payable after more than one year17€193€193=
Other amounts payable178/9€193€193=
Amounts payable within one year42/48€23k€10k▼
Trade debts44€1k€781▼
Suppliers440/4€1k€781▼
Taxes, remuneration and social security45€22k€9k▼
Taxes450/3€20k€8k▼
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€73€118▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€10k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€33k▼
Other operating charges640/8€14k€14k▲
Gross operating margin9900€126k€132k▲
Operating profit (loss)9901€69k€75k▲
Financial income75/76B€14k€7k▼
Recurring financial income75€14k€7k▼
Financial charges65/66B€180€72▼
Recurring financial charges65€180€72▼
Profit (loss) for the period before taxes9903€84k€82k▼
Income taxes67/77€27k€26k▼
Profit (loss) for the period9904€57k€56k▼
Profit (loss) for the period to be appropriated9905€57k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€57k▼
Profit (loss) brought forward from the previous period14P€692€765▲
Transfer from equity791/2€49k€67k▲
Transfer to equity691/2€57k€56k▼
To other reserves6921€57k€56k▼
Profit to be distributed694/7€49k€67k▲
Return on contributions (dividend)694€49k€67k▲
The notes to these accounts (8 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 91.22
Current ratio from 38.50 to 91.22; short-term debt falls from €23k to €10k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 59.87
Current ratio from 19.16 to 59.87; short-term debt falls from €41k to €13k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
31-12
Financial
Weakest financial yearnet €-461k ▼150%
Net result drops to €-461k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 19.16
Current ratio from 5.37 to 19.16; short-term debt falls from €132k to €41k.
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €924k ▲1283%
Net result €924k, the highest in the series.
31-03
Financial
Equity above €2MEq €2.45M ▲55%
3 profitable years in a row build equity to €2.45M.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Liquidity doublescurrent ratio 9.98
Current ratio from 4.01 to 9.98; short-term debt falls from €45k to €22k.
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Brugge · 1 establishment unit since 2003
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.
Klaverstraat 718000 BruggeGround area
382 m²
Building footprint
373 m²
Volume, LiDAR
1,560 m³
Parcel 31805E0824/00X002, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BI-LO-FI
since 20032.113.032.261
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31805E0824/00X002 | Flanders | 382 m² | 1 · 373 m² | 7.3 m · 1 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.
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TRYMOBEL
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CHwapimmo
BE 0745.407.683
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Dimmo
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ASCENTIM
BE 0548.912.211
Asse · Eq €1.89M
Of 11,974 companies in sector 68203 we hold annual accounts for 5,947. 3,652 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-12-1993
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
70203
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.