BI-SURE
ActiveBI-SURE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-112k) and a net result of €-11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 8584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
21
/ 100
Critical▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-42
Solvency33=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 0.29 in 2024), and equity is negative.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
-8.6%
Return on assets
-0.8%
Age of the figures
8 mo
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 · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€112k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 10 filingsDeviation from the deadline
2025
3 d late
2024
28 d late
2023
23 d late
2022
30 d late
2021
11 d late
2020
27 d late
2019
56 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-112k▼ 10.7%
2024 · €-101k
2018: €466k
2019: €400k
2020: €307k
2021: €41k
2022: €-56k
2023: €-83k
2024: €-101k
2018 → 2025
Total assets
€1.31M▼ 0.6%
2024 · €1.31M
2018: €1.14M
2019: €1.09M
2020: €1.06M
2021: €864k
2022: €958k
2023: €934k
2024: €1.31M
2018 → 2025
Net result
€-11k▲ 40.7%
2024 · €-18k
2018: €-103k
2019: €-67k
2020: €-92k
2021: €-266k
2022: €-96k
2023: €-27k
2024: €-18k
2018 → 2025
Working capital
€-921k▼ 2.6%
2024 · €-898k
2018: €137k
2019: €40k
2020: €-73k
2021: €-221k
2022: €-345k
2023: €-375k
2024: €-898k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€-56k€-83k▼ 48.6%€-101k▼ 22.1%€-112k▼ 10.7%
Operating result€-68k-€-74k▼ 8.9%€-19k▲ 75.0%€-11k▲ 39.9%€-5k▲ 55.1%
Net result€-266k-€-96k▲ 63.8%€-27k▲ 72.0%€-18k▲ 32.5%€-11k▲ 40.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€929k▼ 1.4%
Current assets
€377k▲ 1.4%
Key figures and ratios
EBITDA
€15k▲
2024 · €9k
Cash flow
€9k▲
2024 · €2k
Solvency
-8.6%▼
2024 · -7.7%
Current ratio
0.29▼
2024 · 0.29
Quick ratio
0.29▼
2024 · 0.29
Debt / equity
-12.69▲
2024 · -14.02
ROE
9.7%▼
2024 · 18.1%
ROA
-0.8%▲
2024 · -1.4%
Interest coverage
2.62▲
2024 · 1.29
Debt
€1.42M▲
2024 · €1.41M
Debt ≤ 1 year
€1.30M▲
2024 · €1.27M
Debt > 1 year
€85k▼
2024 · €110k
Income taxes
€86▼
2024 · €268
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€1.31M€1.31M▼
Fixed assets21/28€942k€929k▼
Tangible fixed assets22/27€428k€411k▼
Land and buildings22€428k€408k▼
Plant, machinery and equipment23-€3k
Financial fixed assets28€514k€518k▲
Current assets29/58€372k€377k▲
Amounts receivable after more than one year29€125k€125k=
Other amounts receivable291€125k€125k=
Amounts receivable within one year40/41€240k€242k▲
Trade receivables40-€5k
Other amounts receivable41€240k€237k▼
Current investments50/53€4k-
Cash at bank and in hand54/58€810€5k▲
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.31M▼
Equity10/15€-101k€-112k▼
Contributions10/11€70k€70k=
Reserves13€214k€214k=
Non-distributable reserves130/1€14k€14k=
Reserves not available under the articles1311€14k€14k=
Distributable reserves133€200k€200k=
Profit (loss) carried forward14€-385k€-396k▼
Amounts payable17/49€1.41M€1.42M▲
Amounts payable after more than one year17€110k€85k▼
Financial debts170/4€110k€85k▼
Amounts payable within one year42/48€1.27M€1.30M▲
Current portion of amounts payable after more than one year42€25k€25k=
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€648€867▲
Taxes450/3€648€867▲
Other amounts payable47/48€1.24M€1.26M▲
Accrued charges and deferred income492/3€35k€35k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▲
Other operating charges640/8€3k€6k▲
Gross operating margin9900€12k€21k▲
Operating profit (loss)9901€-11k€-5k▲
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€-18k€-11k▲
Income taxes67/77€268€86▼
Profit (loss) for the period9904€-18k€-11k▲
Profit (loss) for the period to be appropriated9905€-18k€-11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-385k€-396k▼
Profit (loss) brought forward from the previous period14P€-367k€-385k▼
The notes to these accounts (14 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 11 days late
2021
31-12
Financial
Weakest financial yearnet €-266k
Net result drops to €-266k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 56 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
De Coster Piet Felix Maria
CurrentDirector · since 22-12-2023
22-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Malle · 1 establishment unit since 2010
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.
Hickendorfdreef 82390 MalleGround area
1,128 m²
Building footprint
175 m²
Volume, LiDAR
1,155 m³
Parcel 11049B0637/00T008, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BI-SURE
since 20102.186.749.291
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0637/00T008 | Flanders | 1,128 m² | 1 · 175 m² | 9.3 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
87550062H7GOQ5ZGHH87
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 36,722 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.