BIFO
ActiveBIFO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €278k and a net result of €98k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency62▼-34
Growth75=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.22 in 2024; short-term debt: 15.6% and cash: 17.7% of total assets), and 62.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
37.4%
Return on assets
13.2%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
61 d late
2022
31 d late
2021
109 d late
2020
152 d late
2019
70 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
Turnover
€181k▲ 7.9%
2019 · €167k
2018: €132k
2019: €167k
2018 → 2021
EBIT margin
47.5%▲ 18.0pp
2019 · 29.6%
2018: 3.2%
2019: 29.6%
2018 → 2021
Net result
€98k▲ 26.7%
2024 · €77k
2018: €-528
2019: €29k
2020: €28k
2021: €61k
2022: €52k
2023: €73k
2024: €77k
2018 → 2025
Working capital
€17k▼ 12.4%
2024 · €19k
2018: €-10k
2019: €-6k
2020: €3k
2021: €25k
2022: €7k
2023: €15k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€181k-
Equity€139k-€151k▲ 8.2%€188k▲ 24.5%€220k▲ 17.1%€278k▲ 26.3%
Operating result€86k-€76k▼ 11.6%€81k▲ 7.3%€82k▲ 0.5%€99k▲ 20.7%
Net result€61k-€52k▼ 15.0%€73k▲ 41.3%€77k▲ 5.7%€98k▲ 26.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €743k
Fixed assets
€610k▲ 200%
Current assets
€133k▲ 24.6%
Equity and liabilities €743k
Equity
€278k▲ 26.3%
Debt
€465k▲ 417%
The debt ratio rises from 29.0% to 62.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100k▲
2024 · €83k
Cash flow
€99k▲
2024 · €78k
Solvency
37.4%▼
2024 · 71.0%
Current ratio
1.15▼
2024 · 1.22
Quick ratio
1.15▼
2024 · 1.22
Debt / equity
1.68▲
2024 · 0.41
ROE
35.2%▲
2024 · 35.1%
ROA
13.2%▼
2024 · 24.9%
Interest coverage
19.75▼
2024 · 23.61
Debt
€465k▲
2024 · €90k
Debt ≤ 1 year
€116k▲
2024 · €87k
Debt > 1 year
€349k▲
2024 · €2k
Income taxes
€36k▲
2024 · €29k
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€310k€743k▲
Fixed assets21/28€203k€610k▲
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€533-
Financial fixed assets28€200k€608k▲
Current assets29/58€107k€133k▲
Amounts receivable within one year40/41€32k€208▼
Trade receivables40€25k-
Other amounts receivable41€7k€208▼
Cash at bank and in hand54/58€73k€131k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€310k€743k▲
Equity10/15€220k€278k▲
Reserves13€218k€275k▲
Distributable reserves133€218k€275k▲
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€90k€465k▲
Amounts payable after more than one year17€2k€349k▲
Financial debts170/4€2k€349k▲
Amounts payable within one year42/48€87k€116k▲
Current portion of amounts payable after more than one year42€29k€57k▲
Financial debts43€228-
Credit institutions430/8€228-
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€8k€15k▲
Other amounts payable47/48€45k€40k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€220€540▲
Gross operating margin9900€83k€101k▲
Operating profit (loss)9901€82k€99k▲
Financial income75/76B€28k€40k▲
Recurring financial income75€28k€40k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€106k€134k▲
Income taxes67/77€29k€36k▲
Profit (loss) for the period9904€77k€98k▲
Profit (loss) for the period to be appropriated9905€77k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€100k▲
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer to equity691/2€32k€57k▲
To other reserves6921€32k€57k▲
Profit to be distributed694/7€45k€40k▼
Return on contributions (dividend)694€45k€40k▼
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €98k ▲26.7%
Operating result €99k, net result €98k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Equity above €200kEq €220k ▲17.1%
6 profitable years in a row build equity to €220k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €151k ▲8.2%
4 profitable years in a row build equity to €151k.
17-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 109 days late
2021
31-12
Financial
Equity above €100kEq €139k ▲59.2%
3 profitable years in a row build equity to €139k.
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 152 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Soumagne · 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 Tempiet(EVE) 34631 SoumagneGround area
2,998 m²
Parcel 62033B0199/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Benjamin BODEN
since 20112.197.221.729
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62033B0199/00D000 | Wallonia | 2,998 m² | - | - |
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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EXPLEA
BE 0739.980.138
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Malcorps & Beelen Gerechtsdeurwaarders
BE 0738.552.060
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enactim
BE 0829.494.213
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Of 1,020 companies in sector 69103 we hold annual accounts for 611. 472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2011
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.