BICS
ActiveBICS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.20M and a net result of €280k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 31.46 against 32.14 in 2024), and 2.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
97.9%
Return on assets
22.8%
Age of the figures
8 mo
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
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
17 d early
2023
2 d early
2022
8 d early
2021
9 d early
2020
9 d early
2019
4 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.20M▼ 1.7%
2024 · €1.22M
2018: €505k
2019: €436k
2020: €565k
2021: €696k
2022: €848k
2023: €1.07M
2024: €1.22M
2018 → 2025
Total assets
€1.23M▼ 1.4%
2024 · €1.25M
2018: €528k
2019: €449k
2020: €580k
2021: €724k
2022: €954k
2023: €1.09M
2024: €1.25M
2018 → 2025
Net result
€280k▲ 10.8%
2024 · €253k
2018: €111k
2019: €102k
2020: €128k
2021: €180k
2022: €152k
2023: €273k
2024: €253k
2018 → 2025
Working capital
€786k▲ 10.9%
2024 · €709k
2018: €167k
2019: €56k
2020: €27k
2021: €199k
2022: €293k
2023: €549k
2024: €709k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€696k-€848k▲ 21.8%€1.07M▲ 26.3%€1.22M▲ 14.3%€1.20M▼ 1.7%
Operating result€248k-€241k▼ 2.8%€340k▲ 41.0%€330k▼ 3.1%€363k▲ 10.0%
Net result€180k-€152k▼ 15.7%€273k▲ 79.8%€253k▼ 7.5%€280k▲ 10.8%
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 recovers in 2025; 2025 is 10% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€417k▼ 19.1%
Current assets
€812k▲ 11.0%
Equity and liabilities €1.23M
Equity
€1.20M▼ 1.7%
Debt
€26k▲ 13.4%
The debt ratio rises from 1.8% to 2.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€466k▲
2024 · €432k
Cash flow
€383k▲
2024 · €355k
Solvency
97.9%▼
2024 · 98.2%
Current ratio
31.46▼
2024 · 32.14
Quick ratio
29.93▼
2024 · 30.33
Debt / equity
0.02▲
2024 · 0.02
ROE
23.3%▲
2024 · 20.6%
ROA
22.8%▲
2024 · 20.3%
Interest coverage
850.05▼
2024 · 997.32
Debt
€26k▲
2024 · €23k
Debt ≤ 1 year
€26k▲
2024 · €23k
Income taxes
€110k▲
2024 · €89k
Staff costs
€152k▲
2024 · €125k
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€1.25M€1.23M▼
Fixed assets21/28€515k€417k▼
Tangible fixed assets22/27€515k€417k▼
Land and buildings22€312k€281k▼
Plant, machinery and equipment23€142k€117k▼
Furniture and vehicles24€61k€19k▼
Current assets29/58€732k€812k▲
Stocks and contracts in progress3€41k€40k▼
Stocks30/36€41k€40k▼
Amounts receivable within one year40/41€224€12k▲
Trade receivables40€224€6k▲
Other amounts receivable41-€6k
Cash at bank and in hand54/58€690k€761k▲
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.23M▼
Equity10/15€1.22M€1.20M▼
Reserves13€1.19M€1.16M▼
Tax-exempt reserves132€253k€211k▼
Distributable reserves133€933k€954k▲
Profit (loss) carried forward14€39k€39k▲
Amounts payable17/49€23k€26k▲
Amounts payable within one year42/48€23k€26k▲
Trade debts44€12k€9k▼
Suppliers440/4€12k€9k▼
Taxes, remuneration and social security45€11k€17k▲
Taxes450/3€11k€10k▼
Remuneration and social security454/9-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€125k€152k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€103k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€562k€623k▲
Operating profit (loss)9901€330k€363k▲
Financial income75/76B€13k€28k▲
Recurring financial income75€13k€28k▲
Financial charges65/66B€433€548▲
Recurring financial charges65€433€548▲
Profit (loss) for the period before taxes9903€342k€390k▲
Income taxes67/77€89k€110k▲
Profit (loss) for the period9904€253k€280k▲
Transfer from tax-exempt reserves789-€42k
Transfer to tax-exempt reserves689€126k-
Profit (loss) for the period to be appropriated9905€126k€322k▲
Appropriation of the result
Profit (loss) to be appropriated9906€165k€361k▲
Profit (loss) brought forward from the previous period14P€38k€39k▲
Transfer from equity791/2€100k€301k▲
Transfer to equity691/2€126k€322k▲
To other reserves6921€126k€322k▲
Profit to be distributed694/7€100k€301k▲
Directors or managers695€100k€301k▲
Social balance
Average headcount (FTE)90874.04.6▲
The notes to these accounts (4 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €280k ▲10.8%
Operating result €363k, net result €280k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 10current ratio 37.19
Current ratio from 3.77 to 37.19; short-term debt falls from €106k to €15k.
31-12
Financial
Equity above €1MEq €1.07M ▲26.3%
6 profitable years in a row build equity to €1.07M.
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 8.32
Current ratio from 2.82 to 8.32.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €565k ▲29.4%
3 profitable years in a row build equity to €565k.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 4 days late
2019
31-12
Financial
Weakest financial yearnet €102k ▼7.7%
Net result drops to €102k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Laakdal · 1 establishment unit since 2003
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.
Dikstraat 152430 LaakdalGround area
3,215 m²
Building footprint
440 m²
Volume, LiDAR
2,246 m³
Parcel 13045C0306/00V000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bakkertoon
since 20032.133.907.354
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13045C0306/00V000 | Flanders | 3,215 m² | 1 · 440 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
2025 · 1 entry · 2,670 EUR awarded · 2,670 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,670 EUR | 2,670 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Food safety, FASFC
1 siteLaakdal2.133.907.354
Legal Entity Identifier
64882K5VYK146AM62C54
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Of 2,380 companies in sector 47241 we hold annual accounts for 1,084. 348 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2003
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
62010Computer programming, consultancy and related activities
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72220
72300
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.
Contact details
3 entriesE-mail:depeuter.wim@hotmail.com
Phone:0475 57 57 60
Phone:013 44 31 00