Bike4All
ActiveThe computed 12-month bankruptcy probability of Bike4All is 1.6% (moderate). The 2024 annual accounts show equity of €48k and a net result of €15k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 10% of 5988 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability53▲+21
Solvency28▲+1
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.98 against 0.95 in 2023; short-term debt: 75.3% and cash: 3.8% of total assets), and 97.2% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 5988 sector peers (2024).
NBB · sector comparisonPosition among 5988 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
30 d early
2022
13 d early
2021
5 d early
2020
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k
2023 · €-21k
2020: €17k
2021: €38k
2022: €-31k
2023: €-21k
2020 → 2024
Working capital
€-23k▲ 54.7%
2023 · €-51k
2020: €13k
2021: €19k
2022: €44k
2023: €-51k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€47k-€85k▲ 81.2%€54k▼ 36.8%€33k▼ 38.8%€48k▲ 45.6%
Operating result€35k-€44k▲ 23.7%€-23k€-3k▲ 84.7%€33k
Net result€17k-€38k▲ 124%€-31k€-21k▲ 33.2%€15k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €33k after a loss of €3k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.69M
Fixed assets
€441k▼ 9.7%
Current assets
€1.25M▲ 28.0%
Equity and liabilities €1.69M
Equity
€48k▲ 45.6%
Debt
€1.65M▲ 14.8%
The debt ratio falls from 97.7% to 97.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€88k▲
2023 · €42k
Cash flow
€71k▲
2023 · €25k
Solvency
2.8%▲
2023 · 2.3%
Current ratio
0.98▲
2023 · 0.95
Quick ratio
0.50▲
2023 · 0.09
Debt / equity
34.20▼
2023 · 43.40
ROE
31.3%▲
2023 · -63.4%
ROA
0.9%▲
2023 · -1.4%
Interest coverage
3.96▲
2023 · 1.78
Debt
€1.65M▲
2023 · €1.43M
Debt ≤ 1 year
€1.28M▲
2023 · €1.03M
Debt > 1 year
€370k▼
2023 · €405k
Staff costs
€149k▲
2023 · €131k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.47M€1.69M▲
Fixed assets21/28€488k€441k▼
Intangible fixed assets21€2k€777▼
Tangible fixed assets22/27€486k€440k▼
Land and buildings22€455k€413k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€15k€14k▼
Financial fixed assets28€363€363=
Current assets29/58€978k€1.25M▲
Stocks and contracts in progress3€885k€617k▼
Stocks30/36€885k€617k▼
Amounts receivable within one year40/41€60k€567k▲
Trade receivables40€56k€561k▲
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€22k€65k▲
Deferred charges and accrued income490/1€11k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.47M€1.69M▲
Equity10/15€33k€48k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€3k€18k▲
Amounts payable17/49€1.43M€1.65M▲
Amounts payable after more than one year17€405k€370k▼
Financial debts170/4€405k€370k▼
Amounts payable within one year42/48€1.03M€1.28M▲
Current portion of amounts payable after more than one year42€316k€314k▼
Trade debts44€25k€245k▲
Suppliers440/4€25k€245k▲
Advances received on contracts in progress46€5k€34k▲
Taxes, remuneration and social security45€41k€128k▲
Taxes450/3€24k€99k▲
Remuneration and social security454/9€17k€28k▲
Other amounts payable47/48€643k€554k▼
Income statement
Code20232024
Remuneration, social security and pensions62€131k€149k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€56k▲
Other operating charges640/8€22k€11k▼
Gross operating margin9900€196k€249k▲
Operating profit (loss)9901€-3k€33k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€24k€22k▼
Recurring financial charges65€24k€22k▼
Profit (loss) for the period before taxes9903€-21k€15k▲
Profit (loss) for the period9904€-21k€15k▲
Profit (loss) for the period to be appropriated9905€-21k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€18k▲
Profit (loss) brought forward from the previous period14P€24k€3k▼
Social balance
Average headcount (FTE)90872.63.9▲
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-31k ▼182%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2020net €38k ▲124%
Operating result €44k, net result €38k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Neufchâteau · 1 establishment unit since 2019
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.
Avenue de la Victoire,NEU 686840 NeufchâteauGround area
417 m²
Building footprint
276 m²
Volume, LiDAR
2,366 m³
Parcel 84043A0177/00C005, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bike4all
since 20192.294.731.473
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84043A0177/00C005 | Wallonia | 417 m² | 1 · 276 m² | 11.2 m · 3 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.
Similar companies · same sector, comparable size
OMLOOP MARKETING & SALES
BE 0845.226.821
Olen · Eq €50k
LMC-SPORT
BE 0760.556.214
Welkenraedt · Eq €46k
De Fietsbroers
BE 0692.588.116
Antwerpen · Eq €43k
TV8R
BE 0801.562.072
Retie · Eq €41k
2M BIKES
BE 0543.569.489
Vorst · Eq €57k
Of 207 companies in sector 46495 we hold annual accounts for 108. 65 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2019
Fiscal year end31-12
Activities, NACEBEL
46495Wholesale trade
47632Retail sale of bicycles
47785Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47639Retail sale of other sporting goods
47640Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.