BIEVELEZ & CO 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 €41k and a net result of €7k. Equity is growing by ~42.4% per year across the filed fiscal years. Its solvency ranks better than 26% of 2425 sector peers (fiscal year 2025). The company has been active since 2011 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
7 d late
2023
30 d late
2022
31 d late
2021
57 d late
2020
52 d late
2019
89 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 19.1%
2024 · €35k
2018: €55k
2019: €-62k
2020: €-76k
2021: €-36k
2022: €-30k
2023: €-5k
2024: €35k
2018 → 2025
Net result
€7k▼ 83.3%
2024 · €40k
2018: €-20k
2019: €-117k
2020: €-14k
2021: €40k
2022: €6k
2023: €25k
2024: €40k
2018 → 2025
Total assets
€201k▲ 13.5%
2024 · €177k
2018: €75k
2019: €214k
2020: €206k
2021: €172k
2022: €164k
2023: €169k
2024: €177k
2018 → 2025
Solvency
20.5%▲ 1.0pp
2024 · 19.5%
2018: 73.1%
2019: -29.1%
2020: -36.8%
2021: -20.7%
2022: -18.1%
2023: -3.0%
2024: 19.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-36k-€-30k▲ 16.5%€-5k▲ 83.1%€35k€41k▲ 19.1%
Operating result€46k-€10k▼ 77.3%€27k▲ 162%€42k▲ 51.9%€8k▼ 79.8%
Net result€40k-€6k▼ 85.3%€25k▲ 320%€40k▲ 59.8%€7k▼ 83.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 80% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€45k▼ 26.0%
Current assets
€156k▲ 34.1%
Equity and liabilities €201k
Equity
€41k▲ 19.1%
Debt
€160k▲ 12.2%
The debt ratio falls from 80.5% to 79.5%. Equity and debt are higher.
Key figures and ratios
Solvency
20.5%▲
2024 · 19.5%
ROE
16.1%▼
2024 · 114.6%
ROA
3.3%▼
2024 · 22.3%
Debt
€160k▲
2024 · €142k
Debt ≤ 1 year
€124k▲
2024 · €92k
Debt > 1 year
€35k▼
2024 · €50k
Staff costs
€191k▲
2024 · €167k
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€177k€201k▲
Fixed assets21/28€61k€45k▼
Intangible fixed assets21€56k€42k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€117k€156k▲
Amounts receivable within one year40/41€6k€66k▲
Trade receivables40-€16k
Other amounts receivable41€6k€50k▲
Cash at bank and in hand54/58€61k€46k▼
Deferred charges and accrued income490/1€49k€45k▼
Equity and liabilities
Total equity and liabilities10/49€177k€201k▲
Equity10/15€35k€41k▲
Contributions10/11€140k€140k=
Reserves13€4€4=
Distributable reserves133€4€4=
Profit (loss) carried forward14€-105k€-99k▲
Amounts payable17/49€142k€160k▲
Amounts payable after more than one year17€50k€35k▼
Financial debts170/4€50k€35k▼
Amounts payable within one year42/48€92k€124k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€34k€60k▲
Suppliers440/4€34k€60k▲
Taxes, remuneration and social security45€36k€31k▼
Taxes450/3€2k-
Remuneration and social security454/9€34k€31k▼
Other amounts payable47/48€8k€8k=
Accrued charges and deferred income492/3€485-
Income statement
Code20242025
Remuneration, social security and pensions62€167k€191k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€228k€221k▼
Operating profit (loss)9901€42k€8k▼
Financial income75/76B€0€175▲
Recurring financial income75€0€175▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€40k€7k▼
Profit (loss) for the period9904€40k€7k▼
Profit (loss) for the period to be appropriated9905€40k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-105k€-99k▲
Profit (loss) brought forward from the previous period14P€-145k€-105k▲
The notes to these accounts (8 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after 3 loss-making years.
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 52 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €-117k
Net result drops to €-117k, the lowest in the series; recovery starts the following year.
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 114 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Quévy · 1 establishment unit since 2011
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.
Rue de Bavay(GEN) 437040 QuévyGround area
4,332 m²
Building footprint
179 m²
Volume, LiDAR
1,097 m³
Parcel 53029B0071/00M000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bievelez&Co
since 20112.200.912.281
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53029B0071/00M000 | Wallonia | 4,332 m² | 1 · 179 m² | 8.0 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.
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,153 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2011
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.