Bianco Group
ActiveThe computed 12-month bankruptcy probability of Bianco Group is 1.7% (moderate). For Bianco Group, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €8k and a net result of €-104k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 11% of 33677 sector peers (fiscal year 2023). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0▼-29
Solvency30▼-47
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2023Solvency, return and age of the figures
Solvency
4.8%
Return on assets
-63.7%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline22-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 30-11-2024, 122 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
122 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
63 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€8k▼ 93.0%
2022 · €112k
2018: €91k
2019: €96k
2020: €111k
2021: €111k
2022: €112k
2018 → 2023
Total assets
€164k▼ 23.7%
2022 · €215k
2018: €192k
2019: €223k
2020: €254k
2021: €213k
2022: €215k
2018 → 2023
Net result
€-104k
2022 · €748
2018: €5k
2019: €5k
2020: €15k
2021: €335
2022: €748
2018 → 2023
Working capital
€8k▼ 92.6%
2022 · €110k
2018: €86k
2019: €73k
2020: €98k
2021: €104k
2022: €110k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€96k-€111k▲ 15.3%€111k▲ 0.3%€112k▲ 0.7%€8k▼ 93.0%
Operating result€21k-€30k▲ 47.9%€15k▼ 50.4%€14k▼ 7.1%€-99k
Net result€5k-€15k▲ 179%€335▼ 97.7%€748▲ 123%€-104k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €99k after €14k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €164k
Fixed assets
€13k▼ 13.9%
Current assets
€151k▼ 24.5%
Equity and liabilities €164k
Equity
€8k▼ 93.0%
Debt
€156k▲ 52.1%
The debt ratio rises from 47.8% to 95.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-97k▼
2022 · €17k
Cash flow
€-102k▼
2022 · €3k
Solvency
4.8%▼
2022 · 52.2%
Current ratio
1.06▼
2022 · 2.24
Quick ratio
1.06▼
2022 · 2.24
Debt / equity
19.99▲
2022 · 0.91
ROA
-63.7%▼
2022 · 0.3%
Interest coverage
-10.68▼
2022 · 1.20
Debt
€156k▲
2022 · €103k
Debt ≤ 1 year
€142k▲
2022 · €89k
Staff costs
€16k▼
2022 · €21k
A ratio outside any meaningful range has been withheld (balance sheet total €164k, equity €8k).
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€215k€164k▼
Fixed assets21/28€15k€13k▼
Tangible fixed assets22/27€15k€13k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€15k€13k▼
Current assets29/58€199k€151k▼
Amounts receivable within one year40/41€153k€116k▼
Trade receivables40€147k€112k▼
Other amounts receivable41€6k€4k▼
Cash at bank and in hand54/58€46k€32k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€215k€164k▼
Equity10/15€112k€8k▼
Contributions10/11€19k€19k=
Reserves13€55k€55k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€53k€53k=
Profit (loss) carried forward14€39k€-66k▼
Amounts payable17/49€103k€156k▲
Amounts payable within one year42/48€89k€142k▲
Trade debts44€36k€88k▲
Suppliers440/4€36k€88k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€51k€51k▼
Accrued charges and deferred income492/3€14k€14k=
Income statement
Code20222023
Remuneration, social security and pensions62€21k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€38k€-78k▼
Operating profit (loss)9901€14k€-99k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€14k€9k▼
Recurring financial charges65€14k€9k▼
Profit (loss) for the period before taxes9903€2k€-104k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€748€-104k▼
Profit (loss) for the period to be appropriated9905€748€-104k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€-66k▼
Profit (loss) brought forward from the previous period14P€38k€39k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 122 days late
2023
31-12
Financial
Weakest financial yearnet €-104k ▼14062%
Net result drops to €-104k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €15k ▲179%
Operating result €30k, net result €15k, both a record.
31-12
Financial
Equity above €100kEq €111k ▲15.3%
3 profitable years in a row build equity to €111k.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
2015
09-10
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Evergem · 1 establishment unit since 2007
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.
Noorwegenstraat 289940 EvergemGround area
1.4 ha
Building footprint
7,593 m²
Volume, LiDAR
63,958 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bianco Group
since 20072.169.033.628
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44019B0639/00M000 | Flanders | 1.4 ha | 1 · 7,593 m² | 10.5 m · 3 fl. |
| 44302D1207/00C002 | Flanders | 706 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 4,070 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-05-2007
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43320Joinery installation
45421
43343Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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
2 entriesE-mail:info@biancogroup.be
Phone:0479440207