BIK
ActiveSummary
BIK has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €347k and a net result of €107k. Equity is growing by ~54.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 13417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (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
Profitability98▲+8
Solvency100▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.81 against 3.24 in 2024; short-term debt: 24% and cash: 0.7% of total assets), and 24.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
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
75.7%
Return on assets
23.3%
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 18-08-2026, 18 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
18 d late
2024
17 d early
2023
27 d early
2022
23 d late
2021
31 d late
2020
179 d late
2019
20 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€347k▲ 33.9%
2024 · €259k
2018: €15k
2019: €40k
2020: €45k
2021: €58k
2022: €107k
2023: €197k
2024: €259k
2018 → 2025
Total assets
€458k▲ 26.4%
2024 · €362k
2018: €109k
2019: €131k
2020: €121k
2021: €144k
2022: €207k
2023: €290k
2024: €362k
2018 → 2025
Net result
€107k▲ 72.6%
2024 · €62k
2018: €-12k
2019: €25k
2020: €6k
2021: €12k
2022: €50k
2023: €90k
2024: €62k
2018 → 2025
Working capital
€309k▲ 35.0%
2024 · €229k
2018: €-19k
2019: €-19k
2020: €7k
2021: €26k
2022: €72k
2023: €170k
2024: €229k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€107k▲ 86.1%€197k▲ 83.3%€259k▲ 31.4%€347k▲ 33.9%
Operating result€12k-€58k▲ 371%€112k▲ 91.7%€75k▼ 33.0%€128k▲ 71.1%
Net result€12k-€50k▲ 305%€90k▲ 80.0%€62k▼ 30.9%€107k▲ 72.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 71% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €458k
Fixed assets
€39k ▲ 25.0%
Current assets
€418k ▲ 26.6%
Equity and liabilities €458k
Equity
€347k ▲ 33.9%
Debt
€111k ▲ 7.7%
Debt's share of the balance-sheet total falls from 28.5% to 24.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€139k▲
2024 · €86k
Cash flow
€117k▲
2024 · €73k
Current ratio
3.81▲
2024 · 3.24
Quick ratio
3.66▲
2024 · 3.10
Debt to equity
0.32▼
2024 · 0.40
ROE
30.8%▲
2024 · 23.9%
ROA
23.3%▲
2024 · 17.1%
Interest coverage
22.05▲
2024 · 9.89
Debt ≤ 1 year
€110k▲
2024 · €102k
Income taxes
€30k▲
2024 · €16k
Staff costs
€29k▲
2024 · €18k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€362k€458k▲
Fixed assets21/28€31k€39k▲
Tangible fixed assets22/27€31k€39k▲
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€14k€15k▲
Furniture and vehicles24€4k€13k▲
Other tangible fixed assets26€9k€8k▼
Current assets29/58€331k€418k▲
Amounts receivable after more than one year29€121k€121k=
Trade receivables290€121k€121k=
Stocks and contracts in progress3€14k€16k▲
Stocks30/36€14k€16k▲
Amounts receivable within one year40/41€179k€263k▲
Other amounts receivable41€179k€263k▲
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€13k€15k▲
Equity and liabilities
Total equity and liabilities10/49€362k€458k▲
Equity10/15€259k€347k▲
Contributions10/11€19k€19k=
Reserves13€33k€14k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€31k€14k▼
Profit (loss) carried forward14€207k€314k▲
Amounts payable17/49€103k€111k▲
Amounts payable within one year42/48€102k€110k▲
Current portion of amounts payable after more than one year42€28k€17k▼
Financial debts43€18k€25k▲
Credit institutions430/8€18k€25k▲
Trade debts44€43k€41k▼
Suppliers440/4€43k€41k▼
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€12k€27k▲
Taxes450/3€11k€24k▲
Remuneration and social security454/9€915€3k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€18k€29k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€3k€988▼
Gross operating margin9900€108k€170k▲
Operating profit (loss)9901€75k€128k▲
Financial income75/76B€11k€15k▲
Recurring financial income75€11k€15k▲
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€77k€137k▲
Income taxes67/77€16k€30k▲
Profit (loss) for the period9904€62k€107k▲
Profit (loss) for the period to be appropriated9905€62k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€207k€314k▲
Profit (loss) brought forward from the previous period14P€145k€207k▲
Transfer from equity791/2-€19k
Profit to be distributed694/7-€19k
Return on contributions (dividend)694-€19k
The notes to these accounts (5 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Highest result since 2018net €107k ▲72.6%
Operating result €128k, net result €107k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €259k ▲31.4%
6 profitable years in a row build equity to €259k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €197k ▲83.3%
5 profitable years in a row build equity to €197k.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Equity above €100kEq €107k ▲86.1%
4 profitable years in a row build equity to €107k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 179 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 1.22
Current ratio from 0.60 to 1.22; short-term debt falls from €48k to €33k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Zemst · 1 establishment unit since 1999
Ground area
387 m²
Building footprint
236 m²
Volume, LiDAR
904 m³
Parcel 23034A0394/00L000, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BIK
since 19992.090.543.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23034A0394/00L000 | Flanders | 387 m² | 1 · 236 m² | 10.6 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZemst2.090.543.505
Dual-learning approval
5 endedHulpkok (so)
Keukenmedewerker (so)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Kok (so)
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 5,365 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 formPrivate limited company
Founded24-03-1999
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.