BIBICHE.BE
ActiveBIBICHE.BE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €380k and a net result of €84k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 33% of 517 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy▼ -20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+44
Solvency34▼-15
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.8 against 1.01 in 2024), and 74.7% 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 88
Relative position
BE, all sectors
reference
Sector 88
lower
← 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
25.3%
Return on assets
5.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
3 d early
2023
29 d late
2022
29 d late
2021
26 d late
2020
30 d late
2019
90 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€380k▲ 28.5%
2024 · €296k
2018: €123k
2019: €149k
2020: €184k
2021: €248k
2022: €251k
2023: €262k
2024: €296k
2018 → 2025
Total assets
€1.50M▲ 56.2%
2024 · €961k
2018: €880k
2019: €967k
2020: €970k
2021: €966k
2022: €923k
2023: €955k
2024: €961k
2018 → 2025
Net result
€84k▲ 153%
2024 · €33k
2018: €-998
2019: €68k
2020: €77k
2021: €63k
2022: €3k
2023: €12k
2024: €33k
2018 → 2025
Working capital
€-45k
2024 · €1k
2018: €3k
2019: €21k
2020: €31k
2021: €35k
2022: €9k
2023: €3k
2024: €1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€248k-€251k▲ 1.2%€262k▲ 4.7%€296k▲ 12.7%€380k▲ 28.5%
Operating result€91k-€26k▼ 71.2%€27k▲ 1.9%€61k▲ 127%€136k▲ 125%
Net result€63k-€3k▼ 95.4%€12k▲ 302%€33k▲ 185%€84k▲ 153%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 125% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.50M
Fixed assets
€1.32M▲ 71.8%
Current assets
€183k▼ 5.5%
Equity and liabilities €1.50M
Equity
€380k▲ 28.5%
Debt
€1.12M▲ 68.5%
The debt ratio rises from 69.2% to 74.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€175k▲
2024 · €95k
Cash flow
€123k▲
2024 · €68k
Solvency
25.3%▼
2024 · 30.8%
Current ratio
0.80▼
2024 · 1.01
Quick ratio
0.80▼
2024 · 1.01
Debt / equity
2.95▲
2024 · 2.25
ROE
22.2%▲
2024 · 11.3%
ROA
5.6%▲
2024 · 3.5%
Interest coverage
11.11▲
2024 · 7.50
Debt
€1.12M▲
2024 · €665k
Debt ≤ 1 year
€228k▲
2024 · €192k
Debt > 1 year
€893k▲
2024 · €473k
Income taxes
€38k▲
2024 · €15k
Staff costs
€888k▲
2024 · €841k
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€961k€1.50M▲
Fixed assets21/28€767k€1.32M▲
Tangible fixed assets22/27€765k€1.31M▲
Land and buildings22€742k€1.30M▲
Plant, machinery and equipment23€303€73▼
Furniture and vehicles24€23k€18k▼
Financial fixed assets28€3k€3k▲
Current assets29/58€194k€183k▼
Amounts receivable within one year40/41€66k€90k▲
Trade receivables40€23k€127▼
Other amounts receivable41€44k€90k▲
Cash at bank and in hand54/58€108k€89k▼
Deferred charges and accrued income490/1€20k€4k▼
Equity and liabilities
Total equity and liabilities10/49€961k€1.50M▲
Equity10/15€296k€380k▲
Contributions10/11€20k€20k=
Reserves13€276k€360k▲
Distributable reserves133€276k€360k▲
Amounts payable17/49€665k€1.12M▲
Amounts payable after more than one year17€473k€893k▲
Financial debts170/4€473k€893k▲
Amounts payable within one year42/48€192k€228k▲
Current portion of amounts payable after more than one year42€35k€52k▲
Financial debts43€23k€19k▼
Other loans439€23k€19k▼
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Advances received on contracts in progress46€28k€33k▲
Taxes, remuneration and social security45€83k€91k▲
Taxes450/3-€9k
Remuneration and social security454/9€83k€82k▼
Other amounts payable47/48€17k€27k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€841k€888k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€39k▲
Other operating charges640/8€7k€7k▲
Gross operating margin9900€943k€1.07M▲
Operating profit (loss)9901€61k€136k▲
Financial income75/76B€672€1k▲
Recurring financial income75€672€1k▲
Financial charges65/66B€13k€16k▲
Recurring financial charges65€13k€16k▲
Profit (loss) for the period before taxes9903€49k€122k▲
Income taxes67/77€15k€38k▲
Profit (loss) for the period9904€33k€84k▲
Profit (loss) for the period to be appropriated9905€33k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€84k▲
Transfer to equity691/2€33k€84k▲
To other reserves6921€33k€84k▲
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €84k ▲153%
Operating result €136k, net result €84k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Equity above €200kEq €248k ▲34.2%
3 profitable years in a row build equity to €248k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €150kEq €184k ▲23.9%
2 profitable years in a row build equity to €184k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €68k
Net result €68k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mortsel · 3 establishment units since 2002
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.
Liersesteenweg 2032640 MortselGround area
1,920 m²
Building footprint
427 m²
Volume, LiDAR
2,789 m³
3 parcels, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
BIBICHE.BE
since 20022.201.433.113
BIBICHE.BE
since 20112.201.433.608
BIBICHE.BE
since 20192.285.927.932
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021B0293/00C000 | Flanders | 995 m² | 1 · 131 m² | 9.8 m · 2 fl. |
| 11021A0004/00D002 | Flanders | 673 m² | 1 · 166 m² | 8.1 m · 2 fl. |
| 11512B0345/00X000 | Flanders | 252 m² | 1 · 130 m² | 10.9 m · 3 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 to 2025 · 14 entries · 2,697,871 EUR awarded · 2,697,871 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 879,792 EUR | 879,792 EUR |
| 2024 | 3 | 859,125 EUR | 859,125 EUR |
| 2023 | 4 | 538,160 EUR | 538,160 EUR |
| 2022 | 3 | 420,794 EUR | 420,794 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Vlaams opleidingsverlof (VOV)
Inkomenstarief kinderopvang
Recognitions · licences · registrations
Food safety, FASFC
3 sitesHove2.201.433.608
Hove2.285.927.932
Mortsel2.201.433.113
Care and welfare
5 services · 3 liveBibiche
Bibiche - "Tribiche"
Bibiche - De Hoveniertjes
Bibiche
Show 1 more services
Bibiche - De Hoveniertjes
Dual-learning approval
2 endedLegal Entity Identifier
894500B40DPSP99FUC74
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Of 1,584 companies in sector 88911 we hold annual accounts for 701. 511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2002
Fiscal year end31-12
Activities, NACEBEL
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.