BI4U
ActiveBI4U has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €104k. Equity is growing by ~27.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+8
Solvency82▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 4.28 against 2.71 in 2024; short-term debt: 11.4% and cash: 24.3% of total assets), and 42.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
57.3%
Return on assets
26.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
10 d early
2022
50 d late
2021
39 d early
2020
41 d early
2019
56 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€222k▲ 40.2%
2024 · €158k
2019: €49k
2020: €59k
2021: €83k
2022: €118k
2023: €96k
2024: €158k
2019 → 2025
Total assets
€388k▲ 15.3%
2024 · €336k
2019: €295k
2020: €347k
2021: €345k
2022: €359k
2023: €299k
2024: €336k
2019 → 2025
Net result
€104k▲ 66.7%
2024 · €62k
2019: €521
2020: €10k
2021: €24k
2022: €34k
2023: €8k
2024: €62k
2019 → 2025
Working capital
€145k▲ 109%
2024 · €69k
2019: €23k
2020: €21k
2021: €51k
2022: €80k
2023: €28k
2024: €69k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€118k▲ 41.3%€96k▼ 18.5%€158k▲ 65.3%€222k▲ 40.2%
Operating result€35k-€49k▲ 39.6%€19k▼ 61.0%€93k▲ 391%€145k▲ 55.8%
Net result€24k-€34k▲ 43.9%€8k▼ 76.2%€62k▲ 663%€104k▲ 66.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€198k▼ 12.4%
Current assets
€189k▲ 72.6%
Equity and liabilities €388k
Equity
€222k▲ 40.2%
Debt
€166k▼ 6.8%
The debt ratio falls from 52.9% to 42.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€178k▲
2024 · €126k
Cash flow
€137k▲
2024 · €95k
Solvency
57.3%▲
2024 · 47.1%
Current ratio
4.28▲
2024 · 2.71
Quick ratio
4.28▲
2024 · 2.71
Debt / equity
0.75▼
2024 · 1.12
ROE
47.0%▲
2024 · 39.5%
ROA
26.9%▲
2024 · 18.6%
Interest coverage
59.65▲
2024 · 37.77
Debt
€166k▼
2024 · €178k
Debt ≤ 1 year
€44k▲
2024 · €40k
Debt > 1 year
€121k▼
2024 · €137k
Income taxes
€39k▲
2024 · €27k
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€336k€388k▲
Fixed assets21/28€226k€198k▼
Tangible fixed assets22/27€226k€198k▼
Land and buildings22€185k€172k▼
Plant, machinery and equipment23€23k€22k▼
Furniture and vehicles24€18k€4k▼
Current assets29/58€110k€189k▲
Amounts receivable within one year40/41€9k€28k▲
Trade receivables40€0€27k▲
Other amounts receivable41€9k€708▼
Current investments50/53-€60k
Cash at bank and in hand54/58€93k€94k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€336k€388k▲
Equity10/15€158k€222k▲
Contributions10/11€6k€19k▲
Reserves13€62k€40k▼
Distributable reserves133€62k€40k▼
Profit (loss) carried forward14€90k€163k▲
Amounts payable17/49€178k€166k▼
Amounts payable after more than one year17€137k€121k▼
Financial debts170/4€137k€121k▼
Amounts payable within one year42/48€40k€44k▲
Current portion of amounts payable after more than one year42€29k€16k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€204€0▼
Suppliers440/4€204€0▼
Taxes, remuneration and social security45€11k€28k▲
Taxes450/3€11k€28k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€33k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€128k€180k▲
Operating profit (loss)9901€93k€145k▲
Financial income75/76B€25€419▲
Recurring financial income75€25€419▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€90k€143k▲
Income taxes67/77€27k€39k▲
Profit (loss) for the period9904€62k€104k▲
Profit (loss) for the period to be appropriated9905€62k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€120k€216k▲
Profit (loss) brought forward from the previous period14P€58k€112k▲
Transfer from equity791/2€0-
Transfer to equity691/2€30k€0▼
To other reserves6921€30k€0▼
Profit to be distributed694/7€0€53k▲
Return on contributions (dividend)694€0€53k▲
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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €104k ▲66.7%
Operating result €145k, net result €104k, both a record.
30-06
Financial
Equity above €200kEq €222k ▲40.2%
7 profitable years in a row build equity to €222k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €150kEq €158k ▲65.3%
6 profitable years in a row build equity to €158k.
21-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 50 days late
2022
30-06
Financial
Equity above €100kEq €118k ▲41.3%
4 profitable years in a row build equity to €118k.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
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
2 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, Opwijk · 1 establishment unit since 2016
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.
Heerbaan(MAZ) 261745 OpwijkGround area
769 m²
Building footprint
12 m²
Parcel 23049A0490/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
BI4U
since 20162.249.687.346
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23049A0490/00E000 | Flanders | 769 m² | 1 · 12 m² | - |
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
8945000SBI6HO6OUBA55
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 14,443 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2016
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bi4ube@gmail.com