BIANCA
ActiveSummary
The annual accounts of BIANCA for fiscal year 2025 show a net loss of 89% of the equity at the start of that year. The 2025 annual accounts show equity of €942 and a net result of -€7,340. Equity is shrinking by ~36.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 19% of 2601 sector peers (fiscal year 2025). The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency28▼-17
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.67 against 0.74 in 2024; short-term debt: 97.4% and cash: 0.5% of total assets), and 97.4% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
2.6%
Return on assets
-20.2%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€7,340
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2601 sector peers (2025).
NBB · sector comparisonPosition among 2601 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
15 d early
2023
16 d late
2022
2 d late
2021
5 d late
2020
31 d late
2019
104 d late
← 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 24 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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. Usually files around 5 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#7 oldest company in La Louvière, Other services sector
Equity
€942▼ 88.6%
2024 · €8,282
Total assets
€36,381▼ 11.9%
2024 · €41,289
Net result
-€7,340▲ 39.6%
2024 · -€12,162
Working capital
-€11,543▼ 32.3%
2024 · -€8,723
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€21,200▼ 58.0%-€22,231▼ 4.9%-€5,481▲ 75.3%-€10,726▼ 95.7%-€6,575▲ 38.7%
Net result-€22,482below the sector's middle half▼ 59.2%-€23,859below the sector's middle half▼ 6.1%-€7,478below the sector's middle half▲ 68.7%-€12,162below the sector's middle half▼ 62.6%-€7,340below the sector's middle half▲ 39.6%
Equity€51,780within the sector's middle half▼ 30.3%€27,922within the sector's middle half▼ 46.1%€20,444within the sector's middle half▼ 26.8%€8,282within the sector's middle half▼ 59.5%€942below the sector's middle half▼ 88.6%
Total assets€66,948within the sector's middle half▼ 17.0%€50,906below the sector's middle half▼ 24.0%€57,558within the sector's middle half▲ 13.1%€41,289below the sector's middle half▼ 28.3%€36,381below the sector's middle half▼ 11.9%
Debt€15,168▲ 136%€22,984▲ 51.5%€37,114▲ 61.5%€33,007▼ 11.1%€35,440▲ 7.4%
Working capital€19,902within the sector's middle half▼ 45.1%€1,121within the sector's middle half▼ 94.4%-€76within the sector's middle half-€8,723within the sector's middle half▼ 11,331%-€11,543below the sector's middle half▼ 32.3%
Solvency77.3%above the sector's middle half▼ 14.7pp54.9%within the sector's middle half▼ 22.5pp35.5%within the sector's middle half▼ 19.3pp20.1%within the sector's middle half▼ 15.5pp2.6%below the sector's middle half▼ 17.5pp
Current ratio2.83above the sector's middle half▼ 3.811.05within the sector's middle half▼ 1.781.00within the sector's middle half▼ 0.050.74below the sector's middle half▼ 0.260.67below the sector's middle half▼ 0.06
Return on assets (ROA)-33.6%below the sector's middle half▼ 16.1pp-46.9%below the sector's middle half▼ 13.3pp-13.0%below the sector's middle half▲ 33.9pp-29.5%below the sector's middle half▼ 16.5pp-20.2%below the sector's middle half▲ 9.3pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6,575 in 2025 against €10,726 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36,381
Fixed assets
€12,485 ▼ 26.6%
Current assets
€23,896 ▼ 1.6%
Equity and liabilities €36,381
Equity
€942 ▼ 88.6%
Debt
€35,440 ▲ 7.4%
Debt's share of the balance-sheet total rises from 79.9% to 97.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€2,097▲
2024 · -€4,750
Cash flow
-€2,862▲
2024 · -€6,186
Quick ratio
0.56▼
2024 · 0.61
Interest coverage
-2.99▲
2024 · -4.02
Debt ≤ 1 year
€35,440▲
2024 · €33,007
Equity ratios withheld: equity of €942 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 541 companies that looked in July 2024 the way this one looks now, 4.4% went bankrupt within 24 months and 86% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a loss of 10% of the balance sheet or more
4.4%
went bankrupt
8.5%
stopped otherwise
86%
still going
A further 1.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 541 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | €149 | €4,450 | €301 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €38,384 | €47,312 | €97,655 | €8,661 | €2,246 | ▼ 74.1% |
| Remuneration, social security and pensions62 | €328 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,414 | €8,711 | €7,001 | €5,976 | €4,478 | ▼ 25.1% |
| Other operating charges640/8 | €1,202 | €1,202 | - | €772 | €400 | ▼ 48.2% |
| Non-recurring operating charges66A | €1,372 | €119 | €353 | €0 | - | - |
| Gross operating margin9900 | -€9,883 | -€12,198 | €1,873 | -€3,978 | -€1,697 | ▲ 57.3% |
| Operating profit (loss)9901 | -€21,200 | -€22,231 | -€5,481 | -€10,726 | -€6,575 | ▲ 38.7% |
| Financial charges65/66B | €1,282 | €1,190 | €1,039 | €1,182 | €765 | ▼ 35.3% |
| Recurring financial charges65 | €1,232 | €1,190 | €654 | €1,182 | €702 | ▼ 40.6% |
| Non-recurring financial charges66B | €50 | - | €385 | - | €63 | - |
| Profit (loss) for the period before taxes9903 | -€22,482 | -€23,420 | -€6,520 | -€11,908 | -€7,340 | ▲ 38.4% |
| Income taxes67/77 | - | €438 | €958 | €254 | - | - |
| Profit (loss) for the period9904 | -€22,482 | -€23,859 | -€7,478 | -€12,162 | -€7,340 | ▲ 39.6% |
| Profit (loss) for the period to be appropriated9905 | -€22,482 | -€23,859 | -€7,478 | -€12,162 | -€7,340 | ▲ 39.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €66,948 | €50,906 | €57,558 | €41,289 | €36,381 | ▼ 11.9% |
| Fixed assets21/28 | €36,166 | €27,521 | €20,520 | €17,005 | €12,485 | ▼ 26.6% |
| Tangible fixed assets22/27 | €36,124 | €27,479 | €20,479 | €16,963 | €12,485 | ▼ 26.4% |
| Plant, machinery and equipment23 | €29,212 | €22,065 | €16,490 | €11,851 | €8,536 | ▼ 28.0% |
| Furniture and vehicles24 | €2,208 | €1,180 | €179 | €1,683 | €863 | ▼ 48.7% |
| Other tangible fixed assets26 | €4,704 | €4,234 | €3,810 | €3,429 | €3,086 | ▼ 10.0% |
| Financial fixed assets28 | €41 | €41 | €41 | €41 | - | - |
| Current assets29/58 | €30,782 | €23,385 | €37,038 | €24,284 | €23,896 | ▼ 1.6% |
| Stocks and contracts in progress3 | €10,658 | €4,208 | €4,208 | €4,208 | €4,208 | = |
| Stocks30/36 | €10,658 | €4,208 | €4,208 | €4,208 | €4,208 | = |
| Amounts receivable within one year40/41 | €15,712 | €17,750 | €32,828 | €19,750 | €19,497 | ▼ 1.3% |
| Trade receivables40 | €8,892 | €8,752 | €23,527 | €9,982 | €9,982 | = |
| Other amounts receivable41 | €6,820 | €8,998 | €9,301 | €9,768 | €9,515 | ▼ 2.6% |
| Current investments50/53 | €114 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €4,298 | €1,427 | €2 | €327 | €191 | ▼ 41.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €66,948 | €50,906 | €57,558 | €41,289 | €36,381 | ▼ 11.9% |
| Equity10/15 | €51,780 | €27,922 | €20,444 | €8,282 | €942 | ▼ 88.6% |
| Contributions10/11 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Non-distributable reserves130/1 | €5,000 | €5,000 | €5,000 | - | - | - |
| Reserves not available under the articles1311 | €5,000 | €5,000 | €5,000 | - | - | - |
| Distributable reserves133 | - | - | - | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€3,220 | -€27,078 | -€34,556 | -€46,718 | -€54,058 | ▼ 15.7% |
| Amounts payable17/49 | €15,168 | €22,984 | €37,114 | €33,007 | €35,440 | ▲ 7.4% |
| Amounts payable after more than one year17 | €4,288 | €720 | - | - | - | - |
| Financial debts170/4 | €4,288 | €720 | - | - | - | - |
| Amounts payable within one year42/48 | €10,880 | €22,264 | €37,114 | €33,007 | €35,440 | ▲ 7.4% |
| Current portion of amounts payable after more than one year42 | €3,462 | €3,567 | €720 | - | - | - |
| Financial debts43 | €5,504 | €4,921 | €4,989 | €4,944 | €4,995 | ▲ 1.0% |
| Credit institutions430/8 | €5,504 | €4,921 | €4,989 | €4,944 | €4,995 | ▲ 1.0% |
| Trade debts44 | €1,252 | €2,417 | €13,654 | €1,338 | €1,090 | ▼ 18.5% |
| Suppliers440/4 | €1,252 | €2,417 | €13,654 | €1,338 | €1,090 | ▼ 18.5% |
| Taxes, remuneration and social security45 | €663 | €158 | - | €254 | - | - |
| Taxes450/3 | €663 | €158 | - | €254 | - | - |
| Other amounts payable47/48 | - | €11,200 | €17,752 | €26,471 | €29,354 | ▲ 10.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€22,482 | -€23,859 | -€7,478 | -€12,162 | -€7,340 | ▲ 39.6% |
| + Depreciation and write-downs630 | €8,414 | €8,711 | €7,001 | €5,976 | €4,478 | ▼ 25.1% |
| Operating cash flow (approximation) | -€14,068 | -€15,147 | -€477 | -€6,186 | -€2,862 | ▲ 53.7% |
| Investment in fixed assets (approximation) | - | -€66 | €0 | -€2,461 | €41 | ▲ 102% |
| Change in cash | - | -€2,871 | -€1,425 | €324 | -€135 | ▼ 142% |
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
28-09
State Gazette act
Resignation: BIANCA Carmela (director)Appointment: BIANCA Giovanni (director) · Director discharge4 facts ▸
State Gazette act
Resignation: BIANCA Carmela (director)
Appointment: BIANCA Giovanni (director) · Director discharge4 facts ▸
- General meeting, 19-05-2026
- Director resignation, BIANCA Carmela (director)
- Director appointment, BIANCA Giovanni (director)
- Director discharge, BIANCA Carmela (director)
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-12
Financial
Weakest financial yearnet -€23,859
Net result drops to -€23,859, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
BIANCA Giovanni
CurrentDirector · since 01-07-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 1985
Ground area
662 m²
Building footprint
138 m²
Volume, LiDAR
830 m³
Parcel 55038C0110/00G000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BIANCA
since 19852.027.665.234
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55038C0110/00G000 | Wallonia | 662 m² | 1 · 138 m² | 8.3 m · 2 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.
Mandate history
2 people since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| BIANCA Giovanni |
|
| BIANCA Carmela |
|
Articles of association
Board rule
One provision in the deed
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Recognitions · licences · registrations
Legal Entity Identifier
967600YUUMOB8DBLJT21
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Of 7,377 companies in sector 95311 we hold annual accounts for 2,962. 269 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-08-1985
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Contact
E-mail
cbianca@gmail.com
E-mail
sprlbianca@gmail.comLa Louvière
Phone
+32471193922La Louvière
E-invoicing
Reachable via Peppol
Peppol ID
0208:0427691509
Also
9925:BE0427691509
Registered
14-09-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.