Checked.be
Active
BE 1000.421.673Private limited company
BIANCADE
Rue de la Pépinière 15 ·6041 Charleroi, Belgium· 2 yrs active
Sector: Detailhandel in huismeubilair
(47551)
Conclusion
The computed 12-month bankruptcy probability of BIANCADE is 3.6% (moderate). The 2024 annual accounts show negative equity (€-119k) and a net result of €-169k. Its solvency ranks better than 16% of 6717 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €-119k |
| Net result | €-169k |
| Staff (FTE) | 2 |
| Better than sector | 16% |
Snowflake analysis
60
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
25
Profitability
100
Solvency
47
Growth
-
Stability
67
Bankruptcy probability (12 mo)
3.6%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
25
/ 100
Weak
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -28.8% | 20.4% | |
| Net result | €-169k | €4k | |
| Equity | €-119k | €16k | |
| Gross operating margin | €-57k | €24k | |
| Staff costs | €86k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-151k |
| Net profit | €-169k |
| Cash flow | €-155k |
| Staff costs | €86k |
| Income taxes | - |
| Dividends | - |
| Total assets | €415k |
| Equity | €-119k |
| Debt | €534k |
| of which ≤ 1y | €260k |
| of which > 1y | €193k |
| Working capital | €31k |
| Employees (FTE) | 2.0 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.12 |
| Quick ratio | 0.33 |
| Working capital ratio | 7.4% |
| Solvency | -28.8% |
| Debt / equity | -4.48 |
| Long-term debt ratio | -1.61 |
| Interest coverage | -27.65 |
| Gross margin | - |
| Net margin | - |
| ROA | -40.8% |
| ROE | 141.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €415k |
| Fixed assets | 21/28 | €124k |
| Intangible fixed assets | 21 | €3k |
| Tangible fixed assets | 22/27 | €118k |
| Financial fixed assets | 28 | €4k |
| Current assets | 29/58 | €290k |
| Stocks & contracts in progress | 3 | €203k |
| Amounts receivable within one year | 40/41 | €20k |
| Cash & bank | 54/58 | €66k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €415k |
| Equity | 10/15 | €-119k |
| Contributions / capital | 10/11 | €50k |
| Accumulated profits (losses) | 14 | €-169k |
| Amounts payable | 17/49 | €534k |
| Amounts payable after one year | 17 | €193k |
| Amounts payable within one year | 42/48 | €260k |
| Trade debts payable within one year | 44 | €142k |
| Income statement | ||
| Gross operating margin | 9900 | €-57k |
| Operating result | 9901 | €-165k |
| Financial income | 75 | €1k |
| Financial charges | 65 | €5k |
| Result before taxes | 9903 | €-169k |
| Net result for the period | 9904 | €-169k |
| Result to be appropriated | 9905 | €-169k |
Ratios computed by Checked.
Legal Structure
| NACE primary | Detailhandel in huismeubilair(47551) |
| Legal form | Private limited company(610) |
| Incorporation | 28-09-2023 |
| Status | Active |
| Postal code | 6041 |
Establishment units
BIANCADE
since 20232.351.657.904
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
29-08-2025
NBB filing
Annual accounts filed
Credit advice
Company registry (CBE)
Activities
Detailhandel in huismeubilair47551Detailhandel in huismeubilair in gespecialiseerde winkels47591
Primary activity highlighted.
Names & trade names
| Legal nameFR | BIANCADE |
Registered office
Rue de la Pépinière 15
6041 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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