BIBUS

Active

Private limited companyfounded 20214 yrs activeRue de Clabecq 6, 1480 Tubize, BelgiumKBO/BCE: BE 0779.431.820

The computed 12-month bankruptcy probability of BIBUS is 5.4% (elevated). The 2025 annual accounts show equity of €6k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 3668 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

36 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency83▼-3

Growth52=

Track record94

Bankruptcy probability, 12 months

5.4% Elevated

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity ample (current ratio 2.3 against 2.5 in 2024; short-term debt: 42.1% and cash: 9.5% of total assets), and 42.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

57.9%

Return on assets

-33.9%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

22232425

2022 to 2025 · latest year €-3k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 4 filings

Deviation from the deadline

2025

26 d late

2024

29 d late

2023

63 d late

2022

67 d late

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-3k▲ 30.4%

2024 · €-5k

2022: €960 2023: €10k 2024: €-5k

2022 → 2025

Working capital

€5k▼ 36.8%

2024 · €8k

2022: €3k 2023: €13k 2024: €8k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€4k-€14k▲ 242%€9k▼ 34.7%€6k▼ 37.0%

Operating result€41k-€32k▼ 22.9%€-4k€-3k▲ 27.8%

Net result€960-€10k▲ 896%€-5k€-3k▲ 30.4%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €3k in 2025 against €4k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €9k

98.9%

Fixed assets €100=

Current assets €9k▼ 33.0%

Equity and liabilities €10k

57.9%

42.1%

Equity €6k▼ 37.0%

Debt €4k▼ 27.4%

The debt ratio rises from 38.7% to 42.1%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-3k▲

2024 · €-4k

Cash flow

€-3k▲

2024 · €-5k

Solvency

57.9%▼

2024 · 61.3%

Current ratio

2.30▼

2024 · 2.50

Quick ratio

2.30▼

2024 · 2.50

Debt / equity

0.73▲

2024 · 0.63

ROE

-58.6%▼

2024 · -53.1%

ROA

-33.9%▼

2024 · -32.6%

Interest coverage

-23.71▼

2024 · -12.09

Debt

€4k▼

2024 · €6k

Debt ≤ 1 year

€4k▼

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€14k€10k▼

Formation expenses20€380€190▼

Fixed assets21/28€100€100=

Financial fixed assets28€100€100=

Current assets29/58€14k€9k▼

Amounts receivable within one year40/41€11k€8k▼

Trade receivables40€11k€4k▼

Other amounts receivable41€209€4k▲

Cash at bank and in hand54/58€3k€917▼

Equity and liabilities

Total equity and liabilities10/49€14k€10k▼

Equity10/15€9k€6k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€6k€3k▼

Amounts payable17/49€6k€4k▼

Amounts payable within one year42/48€6k€4k▼

Trade debts44€693€4k▲

Suppliers440/4€693€4k▲

Taxes, remuneration and social security45€0€0=

Taxes450/3€0€0=

Remuneration and social security454/9€0-

Other amounts payable47/48€5k€0▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€190€190=

Non-recurring operating charges66A€-2k-

Gross operating margin9900€-6k€-3k▲

Operating profit (loss)9901€-4k€-3k▲

Financial charges65/66B€344€124▼

Recurring financial charges65€344€124▼

Profit (loss) for the period before taxes9903€-5k€-3k▲

Income taxes67/77€0-

Profit (loss) for the period9904€-5k€-3k▲

Profit (loss) for the period to be appropriated9905€-5k€-3k▲

Appropriation of the result

Profit (loss) to be appropriated9906€6k€3k▼

Profit (loss) brought forward from the previous period14P€11k€6k▼

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

26-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 26 days late

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 29 days late

2024

31-12

Financial Weakest financial yearnet €-5k ▼149%

Net result drops to €-5k, the lowest in the series; recovery starts the following year.

02-10

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 63 days late

2023

31-12

Financial Highest result since 2022net €10k ▲896%

Net result €10k, the highest in the series.

06-10

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 67 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, Tubize · 1 establishment unit since 2021

establishment approximate The establishment unit on the map

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.

Rue de Clabecq 61480 Tubize

Ground area

772 m²

Building footprint

98 m²

Volume, LiDAR

542 m³

2 parcels, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

BIBUS

Brunehaultsteenweg(P.E.) 4, 7850 EnghienFull-service restaurants

since 20212.326.768.791

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
55033A0240/00R000indicative	Wallonia	429 m²	-	-
25077B0130/00E006	Wallonia	343 m²	1 · 98 m²	7.4 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

1 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Watermaal-Bosvoorde · Eq €6k

Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 2,926 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-12-2021

Fiscal year end31-12

Activities, NACEBEL

56301Cafés and bars

56101Full-service restaurants

56102Limited-service restaurants

56111Full-service restaurants

56112Limited-service restaurants, excluding mobile food services

56210Event catering

Sources

Crossroads Bank for EnterprisesNational Bank · 4 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.