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Bie-Sign

Active
Private limited companyfounded 20224 yrs activeEikenlei 10, 2970 Schilde, BelgiumKBO/BCE: BE 0790.307.302

Bie-Sign has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €11k. Equity is growing by ~31.3% per year across the filed fiscal years. Its solvency ranks better than 41% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Checked score

Score 2025
69 / 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+1
Solvency68▲+10
Growth52=
Track record94
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.56 in 2024; short-term debt: 31.3% and cash: 20.7% of total assets), but 57.4% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · 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
elevated failure risk from 2 to 8 years 4 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
42.6%
Return on assets
10.3%
Age of the figures
9 mo
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 20-03-2026, 133 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
133 d early
2024
on the day
2023
5 d early
← 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 months
Position in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity
€46k▲ 31.7%
2024 · €35k
2023: €24k 2024: €35k
2023 → 2025
Total assets
€108k▲ 1.7%
2024 · €106k
2023: €69k 2024: €106k
2023 → 2025
Net result
€11k▲ 2.7%
2024 · €11k
2023: €24k 2024: €11k
2023 → 2025
Working capital
€31k▲ 73.4%
2024 · €18k
2023: €15k 2024: €18k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line202320242025Trend
Equity€24k-€35k▲ 44.8%€46k▲ 31.7%
Operating result€34k-€16k▼ 54.7%€16k▲ 2.2%
Net result€24k-€11k▼ 55.0%€11k▲ 2.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€10k€20k€30kOperating result 2023: €34k€34kNet result 2023: €24k€24kOperating result 2024: €16k€16kNet result 2024: €11k€11kOperating result 2025: €16k€16kNet result 2025: €11k€11k202320242025
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets €43k▼ 23.0%
Current assets €65k▲ 29.1%
Equity and liabilities €108k
Equity €46k▲ 31.7%
Debt €62k▼ 13.1%
The debt ratio falls from 67.1% to 57.4%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€29k
2024 · €28k
Cash flow
€24k
2024 · €23k
Solvency
42.6%
2024 · 32.9%
Current ratio
1.92
2024 · 1.56
Quick ratio
1.81
2024 · 1.42
Debt / equity
1.34
2024 · 2.04
ROE
24.1%
2024 · 30.9%
ROA
10.3%
2024 · 10.2%
Interest coverage
16.57
2024 · 14.13
Debt
€62k
2024 · €71k
Debt ≤ 1 year
€34k
2024 · €32k
Debt > 1 year
€28k
2024 · €39k
Income taxes
€4k
2024 · €4k
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€106k€108k
Fixed assets21/28€56k€43k
Intangible fixed assets21€15k€9k
Tangible fixed assets22/27€41k€33k
Plant, machinery and equipment23€38k€31k
Furniture and vehicles24€3k€2k
Current assets29/58€50k€65k
Stocks and contracts in progress3€4k€4k
Stocks30/36€4k€4k
Amounts receivable within one year40/41€30k€38k
Trade receivables40€16k€21k
Other amounts receivable41€14k€18k
Cash at bank and in hand54/58€15k€22k
Deferred charges and accrued income490/1€562€266
Equity and liabilities
Total equity and liabilities10/49€106k€108k
Equity10/15€35k€46k
Contributions10/11€100€100=
Reserves13€35k€46k
Distributable reserves133€35k€46k
Amounts payable17/49€71k€62k
Amounts payable after more than one year17€39k€28k
Financial debts170/4€39k€28k
Amounts payable within one year42/48€32k€34k
Current portion of amounts payable after more than one year42€13k€16k
Trade debts44€18k€12k
Suppliers440/4€18k€12k
Taxes, remuneration and social security45€722€6k
Taxes450/3€722€6k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k
Other operating charges640/8€1k€880
Gross operating margin9900€29k€30k
Operating profit (loss)9901€16k€16k
Financial income75/76B€968€791
Recurring financial income75€968€791
Financial charges65/66B€2k€2k
Recurring financial charges65€2k€2k
Profit (loss) for the period before taxes9903€15k€15k
Income taxes67/77€4k€4k
Profit (loss) for the period9904€11k€11k
Profit (loss) for the period to be appropriated9905€11k€11k
Appropriation of the result
Profit (loss) to be appropriated9906€11k€11k
Transfer to equity691/2€11k€11k
To other reserves6921€11k€11k

The notes to these accounts (8 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

Next filing, fiscal year 2026, expected by 31-07-2027
2026
20-03
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet €11k ▼55%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
26-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Schilde · 1 establishment unit since 2022
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.

Eikenlei 102970 Schilde
Ground area
466 m²
Building footprint
130 m²
Volume, LiDAR
556 m³
Parcel 11041B0292/00P002, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bie-Sign
Eikenlei 10, 2970 SchildeFinancial service activities, except insurance and pension funding
since 20222.335.376.849
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11041B0292/00P002 Flanders 466 m² 1 · 130 m² 7.4 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.

Similar companies · same sector, comparable size

Of 9,857 companies in sector 73110 we hold annual accounts for 3,754. 2,995 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded01-09-2022
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.