BICRIT
ActiveSummary
BICRIT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €589,134 and a net result of €87,753. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 80% of 11547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▲+1
Solvency100=
Growth66▼-2
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 9.13 against 18.0 in 2024; short-term debt: 5.6% and cash: 20.2% of total assets), and 21.7% 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
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
78.3%
Return on assets
11.7%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
5 d late
2024
on the day
2023
1 d early
2022
1 d early
2021
28 d early
2020
3 d early
2019
45 d early
← 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 10 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 30 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€287,674▼ 6.9%
2024 · €309,055
EBIT margin
29.7%▼ 12.7pp
2024 · 42.5%
Net result
€87,753▲ 24.7%
2024 · €70,355
Working capital
€340,906▼ 12.9%
2024 · €391,511
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€251,414▼ 5.6%€258,183▲ 2.7%€331,572▲ 28.4%€309,055▼ 6.8%€287,674▼ 6.9%
Operating result€41,596▼ 63.7%€91,739▲ 121%€119,337▲ 30.1%€131,270▲ 10.0%€85,522▼ 34.9%
Net result€17,182within the sector's middle half▼ 81.3%€77,752above the sector's middle half▲ 353%€82,995above the sector's middle half▲ 6.7%€70,355above the sector's middle half▼ 15.2%€87,753above the sector's middle half▲ 24.7%
EBIT margin16.5%▼ 26.4pp35.5%▲ 19.0pp36.0%▲ 0.5pp42.5%▲ 6.5pp29.7%▼ 12.7pp
Equity€296,279above the sector's middle half▲ 6.2%€374,031above the sector's middle half▲ 26.2%€457,026above the sector's middle half▲ 22.2%€527,381above the sector's middle half▲ 15.4%€589,134above the sector's middle half▲ 11.7%
Total assets€489,142above the sector's middle half▼ 3.1%€545,133above the sector's middle half▲ 11.4%€630,630above the sector's middle half▲ 15.7%€682,091above the sector's middle half▲ 8.2%€752,092above the sector's middle half▲ 10.3%
Debt€192,863▼ 14.5%€171,102▼ 11.3%€173,604▲ 1.5%€154,710▼ 10.9%€162,958▲ 5.3%
Working capital€182,855above the sector's middle half▲ 16.2%€284,794above the sector's middle half▲ 55.7%€240,298above the sector's middle half▼ 15.6%€391,511above the sector's middle half▲ 62.9%€340,906above the sector's middle half▼ 12.9%
Solvency60.6%within the sector's middle half▲ 5.3pp68.6%above the sector's middle half▲ 8.0pp72.5%above the sector's middle half▲ 3.9pp77.3%above the sector's middle half▲ 4.8pp78.3%above the sector's middle half▲ 1.0pp
Current ratio7.02above the sector's middle half▲ 2.8316.25above the sector's middle half▲ 9.228.45above the sector's middle half▼ 7.7918.00above the sector's middle half▲ 9.559.13above the sector's middle half▼ 8.87
Return on assets (ROA)3.5%within the sector's middle half▼ 14.7pp14.3%above the sector's middle half▲ 10.8pp13.2%above the sector's middle half▼ 1.1pp10.3%within the sector's middle half▼ 2.8pp11.7%within the sector's middle half▲ 1.4pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €752,092
Fixed assets
€369,258 ▲ 38.0%
Current assets
€382,834 ▼ 7.6%
Equity and liabilities €752,092
Equity
€589,134 ▲ 11.7%
Debt
€162,958 ▲ 5.3%
Debt's share of the balance-sheet total falls from 22.7% to 21.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€133,973▼
2024 · €169,133
Cash flow
€136,204▲
2024 · €108,218
Debt to equity
0.28▼
2024 · 0.29
ROE
14.9%▲
2024 · 13.3%
Interest coverage
45.60▲
2024 · 44.39
Debt ≤ 1 year
€41,928▲
2024 · €23,026
Debt > 1 year
€121,030▼
2024 · €131,684
Income taxes
€55,003▲
2024 · €38,457
Staff costs
€9
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 20,134 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €251,414 | €258,183 | €331,572 | €309,055 | €287,674 | ▼ 6.9% |
| Non-recurring operating income76A | - | - | €27,150 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €131,099 | €207,951 | €146,602 | €155,745 | ▲ 6.2% |
| Remuneration, social security and pensions62 | - | - | - | - | €9 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37,070 | €38,565 | €35,301 | €37,863 | €48,451 | ▲ 28.0% |
| Other operating charges640/8 | - | €4,170 | €7,484 | €2,181 | €5,412 | ▲ 148% |
| Gross operating margin9900 | €82,116 | €134,474 | €162,122 | €171,314 | €139,394 | ▼ 18.6% |
| Operating profit (loss)9901 | €41,596 | €91,739 | €119,337 | €131,270 | €85,522 | ▼ 34.9% |
| Financial income75/76B | - | €154 | €86 | €1,166 | €74,685 | ▲ 6,305% |
| Recurring financial income75 | €154 | €154 | €86 | €1,166 | €2,388 | ▲ 105% |
| Non-recurring financial income76B | - | - | - | - | €72,297 | - |
| Financial charges65/66B | - | €3,528 | €3,262 | €23,624 | €17,451 | ▼ 26.1% |
| Recurring financial charges65 | €3,888 | €3,528 | €3,262 | €3,810 | €2,938 | ▼ 22.9% |
| Non-recurring financial charges66B | - | - | - | €19,814 | €14,513 | ▼ 26.8% |
| Profit (loss) for the period before taxes9903 | €39,101 | €88,365 | €116,161 | €108,812 | €142,756 | ▲ 31.2% |
| Income taxes67/77 | €21,919 | €10,613 | €33,166 | €38,457 | €55,003 | ▲ 43.0% |
| Profit (loss) for the period9904 | €17,182 | €77,752 | €82,995 | €70,355 | €87,753 | ▲ 24.7% |
| Profit (loss) for the period to be appropriated9905 | €17,182 | €77,752 | €82,995 | €70,355 | €87,753 | ▲ 24.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €489,142 | €545,133 | €630,630 | €682,091 | €752,092 | ▲ 10.3% |
| Fixed assets21/28 | €275,936 | €241,659 | €358,094 | €267,554 | €369,258 | ▲ 38.0% |
| Tangible fixed assets22/27 | €275,936 | €241,659 | €358,094 | €267,554 | €369,258 | ▲ 38.0% |
| Land and buildings22 | - | €229,873 | €228,927 | €207,750 | €218,935 | ▲ 5.4% |
| Furniture and vehicles24 | - | €6,786 | €125,167 | €54,184 | €145,703 | ▲ 169% |
| Other tangible fixed assets26 | - | €5,000 | €4,000 | €5,620 | €4,620 | ▼ 17.8% |
| Current assets29/58 | €213,206 | €303,474 | €272,536 | €414,537 | €382,834 | ▼ 7.6% |
| Stocks and contracts in progress3 | - | €65,088 | - | - | - | - |
| Stocks30/36 | - | €65,088 | - | - | - | - |
| Amounts receivable within one year40/41 | €11,799 | €41,517 | €28,023 | €31,048 | €116,200 | ▲ 274% |
| Trade receivables40 | - | €25,483 | €26,957 | €31,043 | €30,149 | ▼ 2.9% |
| Other amounts receivable41 | - | €16,034 | €1,066 | €5 | €86,051 | ▲ 1,720,920% |
| Current investments50/53 | €85,089 | €135,589 | €58,727 | €155,936 | €114,757 | ▼ 26.4% |
| Cash at bank and in hand54/58 | €116,318 | €61,280 | €185,786 | €227,553 | €151,877 | ▼ 33.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €489,142 | €545,133 | €630,630 | €682,091 | €752,092 | ▲ 10.3% |
| Equity10/15 | €296,279 | €374,031 | €457,026 | €527,381 | €589,134 | ▲ 11.7% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €290,079 | €367,831 | €442,831 | €521,181 | €582,881 | ▲ 11.8% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | - | - |
| Distributable reserves133 | - | €365,971 | €440,971 | €519,321 | €582,881 | ▲ 12.2% |
| Profit (loss) carried forward14 | - | - | €7,995 | - | €53 | - |
| Amounts payable17/49 | €192,863 | €171,102 | €173,604 | €154,710 | €162,958 | ▲ 5.3% |
| Amounts payable after more than one year17 | €162,512 | €152,422 | €141,366 | €131,684 | €121,030 | ▼ 8.1% |
| Financial debts170/4 | - | €152,422 | €141,366 | €131,684 | €121,030 | ▼ 8.1% |
| Amounts payable within one year42/48 | €30,351 | €18,680 | €32,238 | €23,026 | €41,928 | ▲ 82.1% |
| Current portion of amounts payable after more than one year42 | - | €10,090 | €12,056 | €10,463 | €10,655 | ▲ 1.8% |
| Trade debts44 | €431 | €1,331 | €5,995 | €256 | €1,579 | ▲ 517% |
| Suppliers440/4 | - | €1,331 | €5,995 | €256 | €1,579 | ▲ 517% |
| Taxes, remuneration and social security45 | - | €1,934 | €14,187 | €12,007 | €29,694 | ▲ 147% |
| Taxes450/3 | - | €1,934 | €14,187 | €12,007 | €29,694 | ▲ 147% |
| Other amounts payable47/48 | - | €5,325 | - | €300 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,182 | €77,752 | €82,995 | €70,355 | €87,753 | ▲ 24.7% |
| + Depreciation and write-downs630 | €37,070 | €38,565 | €35,301 | €37,863 | €48,451 | ▲ 28.0% |
| Operating cash flow (approximation) | €54,252 | €116,317 | €118,296 | €108,218 | €136,204 | ▲ 25.9% |
| Investment in fixed assets (approximation) | - | -€4,288 | -€151,736 | €52,677 | -€150,155 | ▼ 385% |
| Change in cash | - | -€55,038 | €124,506 | €41,767 | -€75,676 | ▼ 281% |
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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity doublescurrent ratio 18.00
Current ratio from 8.45 to 18.00; short-term debt falls from €32,238 to €23,026.
30-06
Financial
Equity above €500,000Eq €527,381 ▲15.4%
6 profitable years in a row build equity to €527,381.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 16.25
Current ratio from 7.02 to 16.25; short-term debt falls from €30,351 to €18,680.
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €17,182 ▼81.3%
Net result drops to €17,182, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €91,644 ▲217%
Net result €91,644, the highest in the series.
30-06
Financial
Equity above €200,000Eq €279,097 ▲48.9%
2 profitable years in a row build equity to €279,097.
Show earlier events
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Tervuren · 1 establishment unit since 2003
Ground area
101 m²
Building footprint
100 m²
Volume, LiDAR
938 m³
Parcel 24023B0238/00L002, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BICRIT
since 20032.133.589.135
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24023B0238/00L002 | Flanders | 101 m² | 1 · 100 m² | 11.7 m · 3 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.
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Of 6,138 companies in this sector we hold annual accounts for 2,575. 1,453 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded24-09-2003
Fiscal year end30-06
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
46150Agents in the wholesale of furniture, household goods and hardware
46649Wholesale of other machinery and equipment
85592Vocational training
E-invoicing
Reachable via Peppol
Peppol ID
0208:0860676149
Also
9925:BE0860676149
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.