BIB
ActiveSummary
BIB has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151,800 and a net result of €1,555. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 42% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability43▼-31
Solvency55▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 2.1 against 1.98 in 2024; short-term debt: 13.1% and cash: 12.9% of total assets), but 70.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
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
29.7%
Return on assets
0.3%
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 06-01-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
3 d early
2023
6 d early
2022
5 d early
2021
on the day
2020
1 d late
2019
13 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 4 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€151,800▼ 1.8%
2024 · €154,530
Total assets
€510,637▼ 9.5%
2024 · €564,084
Net result
€1,555▼ 93.3%
2024 · €23,301
Working capital
€73,505▼ 11.4%
2024 · €83,005
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€42,218▼ 43.9%€45,613▲ 8.0%€348▼ 99.2%€43,223▲ 12,327%€20,907▼ 51.6%
Net result€20,888▼ 62.2%€17,287▼ 17.2%-€9,897€23,301€1,555▼ 93.3%
Equity€123,839▲ 20.3%€141,126▲ 14.0%€131,229▼ 7.0%€154,530▲ 17.8%€151,800▼ 1.8%
Total assets€622,216▲ 243%€610,126▼ 1.9%€566,223▼ 7.2%€564,084▼ 0.4%€510,637▼ 9.5%
Debt€498,377▲ 534%€469,001▼ 5.9%€434,994▼ 7.3%€409,554▼ 5.8%€358,837▼ 12.4%
Working capital€106,375▲ 43.4%€72,827▼ 31.5%€70,351▼ 3.4%€83,005▲ 18.0%€73,505▼ 11.4%
Staff (FTE)0.5▼ 54.5%0.3▼ 40.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €510,637
Fixed assets
€370,446 ▼ 6.6%
Current assets
€140,191 ▼ 16.2%
Equity and liabilities €510,637
Equity
€151,800 ▼ 1.8%
Debt
€358,837 ▼ 12.4%
Debt's share of the balance-sheet total falls from 72.6% to 70.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€47,185▼
2024 · €69,851
Cash flow
€27,832▼
2024 · €49,929
Current ratio
2.10▲
2024 · 1.98
Quick ratio
1.11▼
2024 · 1.12
Debt to equity
2.36▼
2024 · 2.65
ROE
1.0%▼
2024 · 15.1%
ROA
0.3%▼
2024 · 4.1%
Interest coverage
2.85▼
2024 · 7.67
Debt ≤ 1 year
€66,686▼
2024 · €84,355
Debt > 1 year
€291,699▼
2024 · €324,881
Income taxes
€2,825▼
2024 · €10,953
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,653 companies that looked in July 2024 the way this one looks now, 0.9% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
0.9%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 4,653 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €22,469 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,638 | €26,366 | €26,449 | €26,628 | €26,278 | ▼ 1.3% |
| Other operating charges640/8 | - | €4,580 | €3,742 | €3,905 | €4,347 | ▲ 11.3% |
| Non-recurring operating charges66A | - | - | €14,875 | - | - | - |
| Gross operating margin9900 | €116,977 | €99,028 | €45,413 | €73,757 | €51,531 | ▼ 30.1% |
| Operating profit (loss)9901 | €42,218 | €45,613 | €348 | €43,223 | €20,907 | ▼ 51.6% |
| Financial income75/76B | - | €16 | €58 | €142 | - | - |
| Recurring financial income75 | €85 | €16 | €58 | €142 | - | - |
| Financial charges65/66B | - | €18,218 | €10,164 | €9,110 | €16,528 | ▲ 81.4% |
| Recurring financial charges65 | €8,683 | €18,218 | €10,164 | €9,110 | €16,528 | ▲ 81.4% |
| Profit (loss) for the period before taxes9903 | €33,619 | €27,411 | -€9,759 | €34,254 | €4,379 | ▼ 87.2% |
| Income taxes67/77 | €12,731 | €10,124 | €138 | €10,953 | €2,825 | ▼ 74.2% |
| Profit (loss) for the period9904 | €20,888 | €17,287 | -€9,897 | €23,301 | €1,555 | ▼ 93.3% |
| Profit (loss) for the period to be appropriated9905 | €20,888 | €17,287 | -€9,897 | €23,301 | €1,555 | ▼ 93.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €622,216 | €610,126 | €566,223 | €564,084 | €510,637 | ▼ 9.5% |
| Fixed assets21/28 | €420,313 | €441,285 | €418,741 | €396,724 | €370,446 | ▼ 6.6% |
| Tangible fixed assets22/27 | €417,710 | €438,682 | €418,741 | €396,724 | €370,446 | ▼ 6.6% |
| Land and buildings22 | - | €374,930 | €359,206 | €343,481 | €327,757 | ▼ 4.6% |
| Plant, machinery and equipment23 | - | €43,528 | €56,273 | €51,711 | €42,689 | ▼ 17.4% |
| Furniture and vehicles24 | - | €5,348 | €3,262 | €1,531 | €0 | ▼ 100% |
| Other tangible fixed assets26 | - | €14,875 | - | - | - | - |
| Financial fixed assets28 | €2,603 | €2,603 | - | - | - | - |
| Current assets29/58 | €201,903 | €168,842 | €147,483 | €167,360 | €140,191 | ▼ 16.2% |
| Stocks and contracts in progress3 | €60,688 | €90,302 | €68,150 | €72,798 | €66,331 | ▼ 8.9% |
| Stocks30/36 | - | €90,302 | €68,150 | €72,798 | €66,331 | ▼ 8.9% |
| Amounts receivable within one year40/41 | €3,257 | €1,009 | €8,309 | - | €6,739 | - |
| Trade receivables40 | - | €660 | €600 | - | €385 | - |
| Other amounts receivable41 | - | €350 | €7,709 | - | €6,354 | - |
| Cash at bank and in hand54/58 | €137,064 | €74,932 | €69,911 | €93,267 | €65,768 | ▼ 29.5% |
| Deferred charges and accrued income490/1 | - | €2,599 | €1,112 | €1,295 | €1,353 | ▲ 4.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €622,216 | €610,126 | €566,223 | €564,084 | €510,637 | ▼ 9.5% |
| Equity10/15 | €123,839 | €141,126 | €131,229 | €154,530 | €151,800 | ▼ 1.8% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €22,748 | €40,035 | €40,035 | €63,336 | €64,891 | ▲ 2.5% |
| Distributable reserves133 | - | €40,035 | €40,035 | €63,336 | €64,891 | ▲ 2.5% |
| Profit (loss) carried forward14 | €82,490 | €82,490 | €72,594 | €72,594 | €68,309 | ▼ 5.9% |
| Amounts payable17/49 | €498,377 | €469,001 | €434,994 | €409,554 | €358,837 | ▼ 12.4% |
| Amounts payable after more than one year17 | €402,849 | €372,986 | €357,613 | €324,881 | €291,699 | ▼ 10.2% |
| Financial debts170/4 | - | €372,986 | €357,613 | €324,881 | €291,699 | ▼ 10.2% |
| Amounts payable within one year42/48 | €95,528 | €96,015 | €77,132 | €84,355 | €66,686 | ▼ 20.9% |
| Current portion of amounts payable after more than one year42 | - | €29,863 | €32,288 | €32,732 | €33,183 | ▲ 1.4% |
| Financial debts43 | - | €20,000 | - | - | - | - |
| Credit institutions430/8 | - | €20,000 | - | - | - | - |
| Trade debts44 | €49,624 | €29,660 | €31,993 | €40,294 | €26,327 | ▼ 34.7% |
| Suppliers440/4 | - | €29,660 | €31,993 | €40,294 | €26,327 | ▼ 34.7% |
| Taxes, remuneration and social security45 | - | €9,066 | €3,627 | €8,071 | €4,076 | ▼ 49.5% |
| Taxes450/3 | - | €9,066 | €3,627 | €4,321 | €1,854 | ▼ 57.1% |
| Remuneration and social security454/9 | - | - | - | €3,750 | €2,221 | ▼ 40.8% |
| Other amounts payable47/48 | - | €7,426 | €9,223 | €3,259 | €3,100 | ▼ 4.9% |
| Accrued charges and deferred income492/3 | - | - | €250 | €317 | €453 | ▲ 42.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,888 | €17,287 | -€9,897 | €23,301 | €1,555 | ▼ 93.3% |
| + Depreciation and write-downs630 | €12,638 | €26,366 | €26,449 | €26,628 | €26,278 | ▼ 1.3% |
| Operating cash flow (approximation) | €33,526 | €43,653 | €16,552 | €49,929 | €27,832 | ▼ 44.3% |
| Investment in fixed assets (approximation) | - | -€47,337 | -€3,904 | -€4,611 | €0 | ▲ 100% |
| Change in cash | - | -€62,132 | -€5,021 | €23,357 | -€27,500 | ▼ 218% |
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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €23,301
Net result €23,301 after one loss-making year.
30-06
Financial
Equity above €150,000Eq €154,530 ▲17.8%
Equity rises from €131,229 to €154,530.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet -€9,897
Net result drops to -€9,897, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Back to profitnet €55,223
Net result €55,223 after one loss-making year.
30-06
Financial
Equity above €100,000Eq €102,950 ▲116%
Equity rises from €47,728 to €102,950.
13-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
Show earlier events
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 63 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Deerlijk · 1 establishment unit since 2021
Ground area
528 m²
Building footprint
555 m²
Volume, LiDAR
2,677 m³
Parcel 34009B0411/00L002, Flanders · tallest building 11.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Harelbekestraat 1D, 8540 Deerlijk
since 20212.322.684.301
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34009B0411/00L002 | Flanders | 528 m² | 1 · 555 m² | 11.7 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDeerlijk2.322.684.301
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JOUSTEN
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ARTAMA
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Devos
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Of 2,342 companies in sector 47621 we hold annual accounts for 1,244. 1,056 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
Founded03-07-2006
Fiscal year end30-06
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
46491Wholesale trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47251Retail sale of wines and spirits
47260Retail trade
56112Limited-service restaurants, excluding mobile food services
81100Combined facilities support activities
92000Gambling and betting activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0882255283
Registered
31-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.