Bien Boire is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.44M and a net result of €21k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 8018 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
34 d early
2023
56 d early
2022
56 d early
2021
10 d late
2020
82 d late
2019
91 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.44M▲ 1.5%
2024 · €1.42M
2018: €735k
2019: €738k
2020: €746k
2021: €743k
2022: €798k
2023: €865k
2024: €1.42M
2018 → 2025
Net result
€21k▼ 96.2%
2024 · €550k
2018: €110k
2019: €3k
2020: €8k
2021: €-3k
2022: €55k
2023: €67k
2024: €550k
2018 → 2025
Total assets
€1.74M▼ 1.1%
2024 · €1.76M
2018: €1.90M
2019: €2.02M
2020: €2.09M
2021: €2.14M
2022: €2.03M
2023: €2.06M
2024: €1.76M
2018 → 2025
Solvency
82.7%▲ 2.1pp
2024 · 80.6%
2018: 38.7%
2019: 36.6%
2020: 35.7%
2021: 34.7%
2022: 39.4%
2023: 41.9%
2024: 80.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€743k-€798k▲ 7.3%€865k▲ 8.4%€1.42M▲ 63.6%€1.44M▲ 1.5%
Operating result€-14k-€73k€91k▲ 23.8%€660▼ 99.3%€29k▲ 4,341%
Net result€-3k-€55k€67k▲ 23.5%€550k▲ 717%€21k▼ 96.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4,341% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.74M
Fixed assets
€1.68M▼ 0.2%
Current assets
€60k▼ 19.9%
Equity and liabilities €1.74M
Equity
€1.44M▲ 1.5%
Debt
€301k▼ 11.6%
The debt ratio falls from 19.4% to 17.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
82.7%▲
2024 · 80.6%
ROE
1.5%▼
2024 · 38.9%
ROA
1.2%▼
2024 · 31.3%
Debt
€301k▼
2024 · €341k
Debt ≤ 1 year
€58k▲
2024 · €39k
Debt > 1 year
€243k▼
2024 · €302k
Income taxes
€8k▼
2024 · €32k
Staff costs
€130k▼
2024 · €149k
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€1.76M€1.74M▼
Fixed assets21/28€1.68M€1.68M▼
Tangible fixed assets22/27€3k€769▼
Furniture and vehicles24€3k€769▼
Financial fixed assets28€1.68M€1.68M▼
Current assets29/58€75k€60k▼
Amounts receivable within one year40/41€59k€51k▼
Trade receivables40€59k€44k▼
Other amounts receivable41-€7k
Cash at bank and in hand54/58€10k€6k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.76M€1.74M▼
Equity10/15€1.42M€1.44M▲
Contributions10/11€818k€818k=
Capital10€818k€818k=
Issued capital100€818k€818k=
Reserves13€82k€82k=
Non-distributable reserves130/1€82k€82k=
Legal reserve130€82k€82k=
Profit (loss) carried forward14€516k€537k▲
Amounts payable17/49€341k€301k▼
Amounts payable after more than one year17€302k€243k▼
Financial debts170/4€299k€240k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€39k€58k▲
Trade debts44€323€34k▲
Suppliers440/4€323€34k▲
Taxes, remuneration and social security45€39k€24k▼
Taxes450/3€32k€6k▼
Remuneration and social security454/9€6k€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62€149k€130k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€115k-
Gross operating margin9900€267k€161k▼
Operating profit (loss)9901€660€29k▲
Financial income75/76B€600k-
Recurring financial income75€600k-
Financial charges65/66B€19k€180▼
Recurring financial charges65€19k€180▼
Profit (loss) for the period before taxes9903€582k€29k▼
Income taxes67/77€32k€8k▼
Profit (loss) for the period9904€550k€21k▼
Profit (loss) for the period to be appropriated9905€550k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€516k€537k▲
Profit (loss) brought forward from the previous period14P€-35k€516k▲
The notes to these accounts (7 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €550k ▲717%
Net result €550k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.42M ▲63.6%
3 profitable years in a row build equity to €1.42M.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-12
Financial
Weakest financial yearnet €-3k ▼137%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Liquidity times 11current ratio 1.97
Current ratio from 0.17 to 1.97; short-term debt falls from €1.16M to €160k.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Brussel · 1 establishment unit since 1999
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.
Karperbrug 2-61000 BrusselGround area
188 m²
Building footprint
181 m²
Volume, LiDAR
3,677 m³
2 parcels, Brussels · tallest building 22.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Jules Van Praetstraat 35 3, 1000 Brussel
since 19992.092.243.973
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21811M0912/00K000 | Brussels | 126 m² | 1 · 119 m² | 22.3 m · 7 fl. |
| 21811M0911/00H000 | Brussels | 62 m² | 1 · 62 m² | 21.7 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,869 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-06-1999
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
64200Holdings
64210Activities of holding companies
65234
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70120
70203
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.