BI SOLUTION
ActiveSummary
The computed 12-month bankruptcy probability of BI SOLUTION is 5.6% (elevated). The 2025 annual accounts show negative equity (-€10,554) and a net result of -€4,728. Equity is shrinking by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 10485 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-10
Solvency0=
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.62 against 0.73 in 2024; short-term debt: 160.1% and cash: 1.4% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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
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
-60.1%
Return on assets
-26.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€10,554
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 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
30 d late
2023
111 d late
2022
32 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 36 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€10,554▼ 81.1%
2024 · -€5,826
Total assets
€17,546▲ 5.7%
2024 · €16,602
Net result
-€4,728▼ 162%
2024 · -€1,801
Working capital
-€10,674▼ 79.5%
2024 · -€5,946
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result-€9,781-€5,596-€1,671-€4,578▼ 174%
Net result-€9,826-€5,562-€1,801-€4,728▼ 162%
Equity-€9,587--€4,025▲ 58.0%-€5,826▼ 44.8%-€10,554▼ 81.1%
Total assets€7,495-€10,130▲ 35.2%€16,602▲ 63.9%€17,546▲ 5.7%
Debt€17,082-€14,155▼ 17.1%€22,429▲ 58.5%€28,101▲ 25.3%
Working capital-€10,190--€4,145▲ 59.3%-€5,946▼ 43.5%-€10,674▼ 79.5%
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 stays negative: a loss of €4,578 in 2025 against €1,671 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17,546
Fixed assets
€120 =
Current assets
€17,426 ▲ 5.7%
Key figures and ratios
Solvency
-60.1%▼
2024 · -35.1%
Current ratio
0.62▼
2024 · 0.73
Quick ratio
0.01▼
2024 · 0.06
Debt to equity
-2.66▲
2024 · -3.85
ROA
-26.9%▼
2024 · -10.8%
Debt ≤ 1 year
€28,101▲
2024 · €22,429
Staff costs
€4,361▼
2024 · €19,318
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,035 companies that looked in July 2024 the way this one looks now, 7.2% went bankrupt within 24 months and 82% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.2%
went bankrupt
8.2%
stopped otherwise
82%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 5.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,035 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €9,981 | €19,318 | €4,361 | ▼ 77.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €603 | €603 | - | - | - |
| Other operating charges640/8 | €1,532 | - | - | - | - |
| Gross operating margin9900 | -€7,646 | €16,180 | €17,647 | -€216 | ▼ 101% |
| Operating profit (loss)9901 | -€9,781 | €5,596 | -€1,671 | -€4,578 | ▼ 174% |
| Financial charges65/66B | €45 | €34 | €130 | €150 | ▲ 15.3% |
| Recurring financial charges65 | €45 | €34 | €130 | €150 | ▲ 15.3% |
| Profit (loss) for the period before taxes9903 | -€9,826 | €5,562 | -€1,801 | -€4,728 | ▼ 162% |
| Profit (loss) for the period9904 | -€9,826 | €5,562 | -€1,801 | -€4,728 | ▼ 162% |
| Profit (loss) for the period to be appropriated9905 | -€9,826 | €5,562 | -€1,801 | -€4,728 | ▼ 162% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €7,495 | €10,130 | €16,602 | €17,546 | ▲ 5.7% |
| Fixed assets21/28 | €603 | €120 | €120 | €120 | = |
| Tangible fixed assets22/27 | €603 | €120 | €120 | €120 | = |
| Furniture and vehicles24 | €603 | €120 | €120 | €120 | = |
| Current assets29/58 | €6,892 | €10,010 | €16,482 | €17,426 | ▲ 5.7% |
| Stocks and contracts in progress3 | €342 | €7,307 | €15,241 | €17,173 | ▲ 12.7% |
| Stocks30/36 | €342 | €7,307 | €15,241 | €17,173 | ▲ 12.7% |
| Amounts receivable within one year40/41 | €5,634 | - | €615 | - | - |
| Other amounts receivable41 | €5,634 | - | €615 | - | - |
| Cash at bank and in hand54/58 | €916 | €2,703 | €626 | €253 | ▼ 59.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €7,495 | €10,130 | €16,602 | €17,546 | ▲ 5.7% |
| Equity10/15 | -€9,587 | -€4,025 | -€5,826 | -€10,554 | ▼ 81.1% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Capital10 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Issued capital100 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | -€19,587 | -€14,025 | -€15,826 | -€20,554 | ▼ 29.9% |
| Amounts payable17/49 | €17,082 | €14,155 | €22,429 | €28,101 | ▲ 25.3% |
| Amounts payable within one year42/48 | €17,082 | €14,155 | €22,429 | €28,101 | ▲ 25.3% |
| Trade debts44 | €404 | €278 | - | €150 | - |
| Suppliers440/4 | €404 | €278 | - | €150 | - |
| Taxes, remuneration and social security45 | €16,678 | €13,877 | €9,429 | €5,329 | ▼ 43.5% |
| Taxes450/3 | €16,678 | €13,877 | €9,429 | €5,329 | ▼ 43.5% |
| Other amounts payable47/48 | - | - | €13,000 | €22,621 | ▲ 74.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,826 | €5,562 | -€1,801 | -€4,728 | ▼ 162% |
| + Depreciation and write-downs630 | €603 | €603 | - | - | - |
| Operating cash flow (approximation) | -€9,223 | €6,165 | -€1,801 | -€4,728 | ▼ 162% |
| Investment in fixed assets (approximation) | - | -€120 | €0 | €0 | - |
| Change in cash | - | €1,787 | -€2,076 | -€373 | ▲ 82.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
19-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 111 days late
2023
31-12
Financial
Back to profitnet €5,562
Net result €5,562 after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2023
Ground area
96 m²
Building footprint
105 m²
Volume, LiDAR
1,155 m³
Parcel 21013B0203/00E000, Brussels · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
MAESTRO PHONE ACADEMY
since 20232.346.687.049
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0203/00E000 | Brussels | 96 m² | 1 · 105 m² | 15.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 and region
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 3,223 companies in sector 47400 we hold annual accounts for 1,806. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
47789Other retail sale of new goods
95100Repair and maintenance of computers and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766707596
Also
9925:BE0766707596
Registered
17-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.