Bierhandel De Picker
ActiveSummary
Bierhandel De Picker has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €211k and a net result of €24k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 77% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+5
Solvency89▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 2.32 in 2024; short-term debt: 33.9% and cash: 9.3% of total assets), and 36.5% 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
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
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
63.5%
Return on assets
7.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €211k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
25 d late
2023
37 d early
2022
18 d early
2021
30 d early
2020
15 d early
2019
39 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▲ 87.3%
2024 · €13k
2018: €8k
2019: €4k
2020: €4k
2021: €-11k
2022: €14k
2023: €33k
2024: €13k
2018 → 2025
Working capital
€177k▲ 4.8%
2024 · €168k
2018: €157k
2019: €170k
2020: €176k
2021: €156k
2022: €173k
2023: €162k
2024: €168k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€171k-€185k▲ 8.0%€185k▲ 0.1%€187k▲ 1.1%€211k▲ 12.6%
Operating result€-7k-€24k€44k▲ 88.5%€21k▼ 52.1%€39k▲ 82.4%
Net result€-11k-€14k€33k▲ 141%€13k▼ 62.0%€24k▲ 87.3%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 82% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€43k ▼ 2.1%
Current assets
€289k ▼ 2.3%
Equity and liabilities €332k
Equity
€211k ▲ 12.6%
Debt
€121k ▼ 20.6%
Debt's share of the balance-sheet total falls from 44.9% to 36.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▲
2024 · €38k
Cash flow
€32k▲
2024 · €30k
Current ratio
2.57▲
2024 · 2.32
Quick ratio
1.21▲
2024 · 1.14
Debt to equity
0.57▼
2024 · 0.81
ROE
11.2%▲
2024 · 6.7%
ROA
7.1%▲
2024 · 3.7%
Interest coverage
7.71▼
2024 · 7.91
Debt ≤ 1 year
€113k▼
2024 · €128k
Debt > 1 year
€9k▼
2024 · €22k
Income taxes
€10k▲
2024 · €4k
Staff costs
€211▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€340k€332k▼
Fixed assets21/28€44k€43k▼
Intangible fixed assets21-€3k
Tangible fixed assets22/27€33k€29k▼
Land and buildings22€22k€19k▼
Plant, machinery and equipment23€846€580▼
Furniture and vehicles24€9k€10k▲
Assets under construction and advance payments27€2k-
Financial fixed assets28€10k€10k=
Current assets29/58€296k€289k▼
Stocks and contracts in progress3€151k€153k▲
Stocks30/36€151k€153k▲
Amounts receivable within one year40/41€55k€64k▲
Trade receivables40€20k€24k▲
Other amounts receivable41€35k€40k▲
Current investments50/53€40k€39k▼
Cash at bank and in hand54/58€49k€31k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€340k€332k▼
Equity10/15€187k€211k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€119k€143k▲
Amounts payable17/49€153k€121k▼
Amounts payable after more than one year17€22k€9k▼
Financial debts170/4€22k€9k▼
Amounts payable within one year42/48€128k€113k▼
Current portion of amounts payable after more than one year42€17k€14k▼
Trade debts44€84k€87k▲
Suppliers440/4€84k€87k▲
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9€673-
Other amounts payable47/48€22k€7k▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Non-recurring operating income76A€12k-
Remuneration, social security and pensions62€12k€211▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€8k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€53k€49k▼
Operating profit (loss)9901€21k€39k▲
Financial income75/76B€533€656▲
Recurring financial income75€533€656▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€17k€33k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€13k€24k▲
Profit (loss) for the period to be appropriated9905€13k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€130k€143k▲
Profit (loss) brought forward from the previous period14P€117k€119k▲
Profit to be distributed694/7€11k-
Return on contributions (dividend)694€11k-
Social balance
Average headcount (FTE)90870.3-
The notes to these accounts (21 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €200kEq €211k ▲12.6%
4 profitable years in a row build equity to €211k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €33k ▲141%
Operating result €44k, net result €33k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-11k ▼402%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 12 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
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.
Directors · office · real estate
Directors
6 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, Zele · 1 establishment unit since 1983
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.
Gentsesteenweg 30-329240 ZeleGround area
1,769 m²
Building footprint
804 m²
Volume, LiDAR
5,773 m³
Parcel 42403D0975/00H000, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BIERHANDEL DE PICKER NV
since 19832.023.291.524
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42403D0975/00H000 | Flanders | 1,769 m² | 1 · 804 m² | 11.3 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
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteZele2.023.291.524
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Of 1,508 companies in sector 47252 we hold annual accounts for 651. 504 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-11-1983
Fiscal year end31-12
Activities, NACEBEL 2025
47252Retail sale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.