BIE MATIES

Active

Private limited companyfounded 20233 yrs activeGistelsteenweg 497, 8490 Jabbeke, BelgiumKBO/BCE: BE 0799.144.990

The computed 12-month bankruptcy probability of BIE MATIES is 2.9% (moderate). The 2024 annual accounts show equity of €36k and a net result of €-976. Its solvency ranks better than 51% of 26048 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

56 / 100

Fair

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

Axes · tick = 2023

Profitability59▼-41

Solvency59▲+3

Growth32

Track record94

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity ample (current ratio 1.75 against 2.0 in 2023; short-term debt: 27.6% and cash: 15.8% of total assets), but 66.4% 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

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

+raises risk○neutral

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

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 →

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 2024

Solvency, return and age of the figures

Solvency

33.6%

Return on assets

-0.9%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

20 d late

2023

20 d late

← before the deadline after the 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 2024, micro schema

Equity

€36k▼ 2.6%

2023 · €37k

2023: €37k

2023 → 2024

Total assets

€107k▼ 10.0%

2023 · €119k

2023: €119k

2023 → 2024

Net result

€-976

2023 · €34k

2023: €34k

2023 → 2024

Working capital

€22k▼ 17.0%

2023 · €27k

2023: €27k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€37k-€36k▼ 2.6%

Operating result€48k-€4k▼ 91.1%

Net result€34k-€-976

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 2024; 2024 is 91% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €107k

51.7%

48.3%

Fixed assets €56k▼ 15.4%

Current assets €52k▼ 3.3%

Equity and liabilities €107k

33.6%

66.4%

Equity €36k▼ 2.6%

Debt €71k▼ 13.3%

The debt ratio falls from 68.9% to 66.4%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€17k▼

2023 · €57k

Cash flow

€12k▼

2023 · €43k

Solvency

33.6%▲

2023 · 31.1%

Current ratio

1.75▼

2023 · 2.00

Quick ratio

1.75▼

2023 · 2.00

Debt / equity

1.97▼

2023 · 2.21

ROE

-2.7%▼

2023 · 91.9%

ROA

-0.9%▼

2023 · 28.6%

Interest coverage

4.98▼

2023 · 26.53

Debt

€71k▼

2023 · €82k

Debt ≤ 1 year

€30k▲

2023 · €27k

Debt > 1 year

€38k▼

2023 · €51k

Income taxes

€2k▼

2023 · €12k

Staff costs

€19k▲

2023 · €15k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€119k€107k▼

Fixed assets21/28€66k€56k▼

Intangible fixed assets21€20k€18k▼

Tangible fixed assets22/27€45k€37k▼

Plant, machinery and equipment23€26k€23k▼

Furniture and vehicles24€19k€15k▼

Current assets29/58€54k€52k▼

Amounts receivable within one year40/41€23k€35k▲

Trade receivables40€16k€32k▲

Other amounts receivable41€7k€3k▼

Cash at bank and in hand54/58€31k€17k▼

Equity and liabilities

Total equity and liabilities10/49€119k€107k▼

Equity10/15€37k€36k▼

Contributions10/11€3k€3k=

Reserves13€34k€34k=

Distributable reserves133€34k€34k=

Profit (loss) carried forward14-€-976

Amounts payable17/49€82k€71k▼

Amounts payable after more than one year17€51k€38k▼

Financial debts170/4€51k€38k▼

Amounts payable within one year42/48€27k€30k▲

Current portion of amounts payable after more than one year42€12k€13k▲

Trade debts44€339€1k▲

Suppliers440/4€339€1k▲

Taxes, remuneration and social security45€14k€15k▲

Taxes450/3€12k€15k▲

Remuneration and social security454/9€2k€0▼

Other amounts payable47/48€448€688▲

Accrued charges and deferred income492/3€4k€3k▼

Income statement Code20232024

Remuneration, social security and pensions62€15k€19k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲

Other operating charges640/8€623€283▼

Gross operating margin9900€72k€37k▼

Operating profit (loss)9901€48k€4k▼

Financial income75/76B€563€122▼

Recurring financial income75€563€122▼

Financial charges65/66B€2k€3k▲

Recurring financial charges65€2k€3k▲

Profit (loss) for the period before taxes9903€47k€935▼

Income taxes67/77€12k€2k▼

Profit (loss) for the period9904€34k€-976▼

Profit (loss) for the period to be appropriated9905€34k€-976▼

Appropriation of the result

Profit (loss) to be appropriated9906€34k€-976▼

Transfer to equity691/2€34k€0▼

To other reserves6921€34k€0▼

The notes to these accounts (10 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 2Filings 2

2025

20-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 20 days late

2024

20-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 20 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Jabbeke · 1 establishment unit since 2023

establishment 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.

Gistelsteenweg 4978490 Jabbeke

Ground area

748 m²

Building footprint

207 m²

Volume, LiDAR

824 m³

Parcel 31012C0555/00Y000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

BIE MATIES

Gistelsteenweg 497, 8490 JabbekeRetail trade

since 20232.342.501.005

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31012C0555/00Y000	Flanders	748 m²	1 · 207 m²	7.1 m · 1 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 · 4,619 EUR awarded · 4,619 EUR paid

Year	Entries	awarded	paid
2025	1	4,619 EUR	4,619 EUR

Schemes

Individueel Maatwerk

1 entry · 4,619 EUR · 4,619 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Recognitions · licences · registrations

Food safety, FASFC

1 site

Jabbeke2.342.501.005

1 permission

Toelating · Detailhandel met verwerking · since 21-03-2023

Dual-learning approval

1 live approval

Medewerker hout duaal (so)

Goedgekeurd · 2024 to 2029

Similar companies · same sector, comparable size

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LA PHOTO GATEAUX IMMO

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Ouffet · Eq €36k

Of 2,406 companies in sector 47241 we hold annual accounts for 1,099. 913 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-03-2023

Fiscal year end31-12

Activities, NACEBEL

47241Retail sale of bread and pastry (bakery outlets)

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

16220Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials

43332Laying of wooden floor and wall coverings

47252Retail sale of beverages, general range

47524Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.