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BIG - BAG

Active
Private limited companyfounded 199135 yrs activeRue Albert Ier(L) 48, 6220 Fleurus, BelgiumKBO/BCE: BE 0442.921.596

The computed 12-month bankruptcy probability of BIG - BAG is 2.2% (moderate). The 2025 annual accounts show equity of €46k and a net result of €-825. Equity is growing by ~26.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 13090 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
51 / 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-7
Solvency38▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 0.4 in 2024; short-term debt: 32.9% and cash: 12.8% of total assets), and 87% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies more bankruptcies →
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 35 years 0 40 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
13%
Return on assets
-0.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 filings
Deviation from the deadline
2025
25 d late
2024
43 d late
2023
20 d late
2022
on the day
2021
78 d late
2020
88 d late
2019
111 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 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

Equity
€46k▼ 1.8%
2024 · €47k
2018: €-3k 2019: €2k 2020: €-998 2021: €15k 2022: €50k 2023: €50k 2024: €47k
2018 → 2025
Total assets
€352k▲ 12.0%
2024 · €315k
2018: €297k 2019: €416k 2020: €409k 2021: €411k 2022: €320k 2023: €395k 2024: €315k
2018 → 2025
Net result
€-825▲ 74.8%
2024 · €-3k
2018: €-24k 2019: €5k 2020: €-5k 2021: €16k 2022: €35k 2023: €-131 2024: €-3k
2018 → 2025
Working capital
€35k
2024 · €-74k
2018: €-56k 2019: €-80k 2020: €-81k 2021: €-107k 2022: €-66k 2023: €-76k 2024: €-74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€15k-€50k▲ 241%€50k▼ 0.3%€47k▼ 6.6%€46k▼ 1.8%
Operating result€26k-€44k▲ 70.4%€-9k€6k€10k▲ 64.3%
Net result€16k-€35k▲ 126%€-131€-3k▼ 2,397%€-825▲ 74.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-20k€0€20k€40kOperating result 2021: €26k€26kNet result 2021: €16k€16kOperating result 2022: €44k€44kNet result 2022: €35k€35kOperating result 2023: €-9k€-9kNet result 2023: €-131€-131Operating result 2024: €6k€6kNet result 2024: €-3k€-3kOperating result 2025: €10k€10kNet result 2025: €-825€-82520212022202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 64% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets €202k▼ 23.8%
Current assets €151k▲ 203%
Equity and liabilities €352k
Equity €46k▼ 1.8%
Debt €307k▲ 14.4%
The debt ratio rises from 85.2% to 87.0%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€47k
2024 · €48k
Cash flow
€36k
2024 · €38k
Solvency
13.0%
2024 · 14.8%
Current ratio
1.30
2024 · 0.40
Quick ratio
1.24
2024 · 0.35
Debt / equity
6.71
2024 · 5.76
ROE
-1.8%
2024 · -7.0%
ROA
-0.2%
2024 · -1.0%
Interest coverage
4.49
2024 · 5.45
Debt
€307k
2024 · €268k
Debt ≤ 1 year
€116k
2024 · €124k
Debt > 1 year
€191k
2024 · €144k
Income taxes
€189
2024 · €307
Staff costs
€16k
2024 · €9k
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€315k€352k
Fixed assets21/28€265k€202k
Intangible fixed assets21€19k€15k
Tangible fixed assets22/27€246k€187k
Land and buildings22€122k-
Plant, machinery and equipment23€43k€82k
Furniture and vehicles24€81k€105k
Current assets29/58€50k€151k
Stocks and contracts in progress3€7k€7k=
Stocks30/36€7k€7k=
Amounts receivable within one year40/41€28k€97k
Trade receivables40€24k€65k
Other amounts receivable41€4k€32k
Cash at bank and in hand54/58€15k€45k
Deferred charges and accrued income490/1€231€2k
Equity and liabilities
Total equity and liabilities10/49€315k€352k
Equity10/15€47k€46k
Contributions10/11€19k€19k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Other1319€3k€3k=
Profit (loss) carried forward14€25k€24k
Amounts payable17/49€268k€307k
Amounts payable after more than one year17€144k€191k
Financial debts170/4€144k€191k
Amounts payable within one year42/48€124k€116k
Current portion of amounts payable after more than one year42€31k€51k
Trade debts44€16k€57k
Suppliers440/4€16k€57k
Taxes, remuneration and social security45€6k€7k
Taxes450/3€3k€3k
Remuneration and social security454/9€3k€4k
Other amounts payable47/48€70k-
Income statement Code20242025
Remuneration, social security and pensions62€9k€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€37k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€32k-
Other operating charges640/8€3k€3k
Gross operating margin9900€91k€66k
Operating profit (loss)9901€6k€10k
Financial income75/76B€1€41
Recurring financial income75€1€41
Financial charges65/66B€9k€11k
Recurring financial charges65€9k€10k
Non-recurring financial charges66B€406€376
Profit (loss) for the period before taxes9903€-3k€-637
Income taxes67/77€307€189
Profit (loss) for the period9904€-3k€-825
Profit (loss) for the period to be appropriated9905€-3k€-825
Appropriation of the result
Profit (loss) to be appropriated9906€25k€24k
Profit (loss) brought forward from the previous period14P€29k€25k

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
25-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial Liquidity triplescurrent ratio 1.30
Current ratio from 0.40 to 1.30; short-term debt falls from €124k to €116k.
12-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 43 days late
2024
20-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Highest result since 2018net €35k ▲126%
Operating result €44k, net result €35k, both a record.
17-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial Back to profitnet €16k
Net result €16k after one loss-making year.
27-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
19-11
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 111 days late
2019
31-12
Financial Back to profitnet €5k
Net result €5k after one loss-making year.
19-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
28-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
21-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
3 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, Fleurus · 3 establishment units since 1991
establishment All 3 establishment units 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.

Rue Albert Ier(L) 486220 Fleurus
Ground area
1.3 ha
Building footprint
606 m²
Volume, LiDAR
3,508 m³
4 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
CUISINE ATTITUDE
Chaussée de Charleroi(FL) 728, 6220 FleurusNACE 15812
since 19912.051.414.693
CUISINE ATTIDUDE
Faubourg de Bruxelles 298, 6041 CharleroiSupport activities for crop production
since 20122.209.000.596
cuisine attitude
Avenue du Douaire 2, 1340 Ottignies-Louvain-la-NeuveFood and beverage service activities
since 20182.282.395.449
4 parcels
Wallonia 4 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25083F0064/00B000 Wallonia 1.2 ha 1 · 119 m² 7.3 m · 2 fl.
52021B0446/00S003 Wallonia 492 m² 1 · 96 m² 10.3 m · 3 fl.
52028A0450/00X002 Wallonia 338 m² 1 · 77 m² 9.5 m · 3 fl.
52036A0331/00L010 Wallonia 315 m² 1 · 314 m² 7.2 m · 2 fl.
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Fleurus2.051.414.693
1 permission
Toelating · Ambulante detailhandel · since 03-05-2012

Similar companies · same sector, comparable size

Of 21,908 companies in sector 56112 we hold annual accounts for 9,783. 8,425 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded15-01-1991
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.

Contact details

1 entry
Phone:0475/42.96.71
Establishment Charleroi 2.209.000.596