BIBELIEVE
ActiveBIBELIEVE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €7k. Equity is shrinking by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 2027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-10
Solvency78▼-6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.61 in 2024; short-term debt: 47.2% and cash: 33.8% of total assets), and 47.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
52.8%
Return on assets
8.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-04-2026, 105 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
105 d early
2024
38 d early
2023
48 d early
2022
81 d early
2021
25 d early
2020
64 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▼ 28.2%
2024 · €63k
2020: €69k
2021: €76k
2022: €87k
2023: €71k
2024: €63k
2020 → 2025
Total assets
€86k▼ 20.2%
2024 · €107k
2020: €95k
2021: €104k
2022: €108k
2023: €134k
2024: €107k
2020 → 2025
Net result
€7k▼ 57.8%
2024 · €17k
2020: €62k
2021: €8k
2022: €11k
2023: €31k
2024: €17k
2020 → 2025
Working capital
€11k▼ 60.0%
2024 · €27k
2020: €67k
2021: €76k
2022: €83k
2023: €34k
2024: €27k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€87k▲ 13.8%€71k▼ 18.6%€63k▼ 11.1%€45k▼ 28.2%
Operating result€14k-€16k▲ 16.4%€39k▲ 144%€23k▼ 42.0%€10k▼ 54.3%
Net result€8k-€11k▲ 35.3%€31k▲ 171%€17k▼ 44.4%€7k▼ 57.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 54% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€34k▼ 4.6%
Current assets
€51k▼ 28.1%
Equity and liabilities €86k
Equity
€45k▼ 28.2%
Debt
€40k▼ 8.7%
The debt ratio rises from 41.3% to 47.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €25k
Cash flow
€9k▼
2024 · €19k
Solvency
52.8%▼
2024 · 58.7%
Current ratio
1.27▼
2024 · 1.61
Quick ratio
1.27▼
2024 · 1.61
Debt / equity
0.90▲
2024 · 0.70
ROE
16.0%▼
2024 · 27.2%
ROA
8.4%▼
2024 · 16.0%
Interest coverage
208.40▼
2024 · 285.53
Debt
€40k▼
2024 · €44k
Debt ≤ 1 year
€40k▼
2024 · €44k
Income taxes
€3k▼
2024 · €6k
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€107k€86k▼
Fixed assets21/28€36k€34k▼
Tangible fixed assets22/27€36k€34k▼
Land and buildings22€34k€33k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€150€150=
Current assets29/58€71k€51k▼
Amounts receivable within one year40/41€22k€18k▼
Trade receivables40€11k€8k▼
Other amounts receivable41€11k€11k▼
Cash at bank and in hand54/58€45k€29k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€107k€86k▼
Equity10/15€63k€45k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€55k€38k▼
Amounts payable17/49€44k€40k▼
Amounts payable within one year42/48€44k€40k▼
Trade debts44€2k€150▼
Suppliers440/4€2k€150▼
Taxes, remuneration and social security45€13k€5k▼
Taxes450/3€11k€5k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€29k€36k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€923€613▼
Gross operating margin9900€25k€13k▼
Operating profit (loss)9901€23k€10k▼
Financial charges65/66B€86€58▼
Recurring financial charges65€86€58▼
Profit (loss) for the period before taxes9903€23k€10k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€17k€7k▼
Profit (loss) for the period to be appropriated9905€17k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€63k▼
Profit (loss) brought forward from the previous period14P€63k€55k▼
Profit to be distributed694/7€25k€25k=
Return on contributions (dividend)694€25k€25k=
The notes to these accounts (5 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
20-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-08-12
- Registered-office move, Topstraat 28, 1600 Sint-Pieters-Leeuw
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼57.8%
Net result drops to €7k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Pieters-Leeuw · 2 establishment units since 2019
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.
Topstraat 281600 Sint-Pieters-LeeuwGround area
1,300 m²
Building footprint
274 m²
Volume, LiDAR
1,624 m³
3 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
BIBELIEVE
since 20192.291.803.162
Kerselaereveldstraat 7, 1700 Dilbeek
since 20232.379.908.757
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0157/00A015 | Flanders | 587 m² | 1 · 133 m² | 9.8 m · 2 fl. |
| 23583I0081/00H003 | Flanders | 481 m² | 1 · 76 m² | 9.9 m · 2 fl. |
| 23074C0104/00G002 | Flanders | 232 m² | 1 · 66 m² | 7.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 165 EUR awarded · 165 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 165 EUR | 165 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,668 companies in sector 85599 we hold annual accounts for 1,329. 1,009 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2019
Fiscal year end31-12
Activities, NACEBEL
85599Other education
70200Business and other management consultancy
70220Business consulting
82300Organisation of conventions and trade shows
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.bibelieve.com
E-mail:info@bibelieve.com