Bil-Lie
ActiveSummary
Bil-Lie has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €311,023 and a net result of €87,393. Equity is growing by ~46.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 1577 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-20
Solvency57▼-22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 1.73 against 2.85 in 2024; short-term debt: 25.6% and cash: 11.7% of total assets), but 68.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 10
Relative position
BE, all sectors
reference
Manufacture of food products (NACE 10)
about 60% more bankruptcies
← 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
31.8%
Return on assets
8.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
20 d early
2023
97 d early
2022
24 d early
2021
31 d early
2020
38 d early
2019
14 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 7 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€311,023▲ 16.6%
2024 · €266,656
Total assets
€978,947▲ 99.7%
2024 · €490,092
Net result
€87,393▼ 29.2%
2024 · €123,388
Working capital
€182,660▼ 26.0%
2024 · €246,708
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 10, Manufacture of food products, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,270€42,034▲ 97.6%€80,585▲ 91.7%€183,981▲ 128%€112,036▼ 39.1%
Net result€13,493within the sector's middle half€29,533above the sector's middle half▲ 119%€56,728above the sector's middle half▲ 92.1%€123,388above the sector's middle half▲ 118%€87,393above the sector's middle half▼ 29.2%
Equity€44,608within the sector's middle half▲ 43.4%€86,541within the sector's middle half▲ 94.0%€143,269above the sector's middle half▲ 65.6%€266,656above the sector's middle half▲ 86.1%€311,023above the sector's middle half▲ 16.6%
Total assets€58,107below the sector's middle half▲ 37.6%€275,676within the sector's middle half▲ 374%€353,541within the sector's middle half▲ 28.2%€490,092above the sector's middle half▲ 38.6%€978,947above the sector's middle half▲ 99.7%
Debt€13,499▲ 21.6%€189,135▲ 1,301%€210,273▲ 11.2%€223,436▲ 6.3%€667,924▲ 199%
Working capital€40,604within the sector's middle half▲ 62.9%€114,035above the sector's middle half▲ 181%€120,437above the sector's middle half▲ 5.6%€246,708above the sector's middle half▲ 105%€182,660above the sector's middle half▼ 26.0%
Solvency76.8%above the sector's middle half▲ 3.1pp31.4%within the sector's middle half▼ 45.4pp40.5%within the sector's middle half▲ 9.1pp54.4%within the sector's middle half▲ 13.9pp31.8%within the sector's middle half▼ 22.6pp
Current ratio4.01above the sector's middle half▲ 0.762.49above the sector's middle half▼ 1.522.18above the sector's middle half▼ 0.302.85above the sector's middle half▲ 0.671.73within the sector's middle half▼ 1.12
Return on assets (ROA)23.2%above the sector's middle half▲ 28.0pp10.7%within the sector's middle half▼ 12.5pp16.0%above the sector's middle half▲ 5.3pp25.2%above the sector's middle half▲ 9.1pp8.9%within the sector's middle half▼ 16.2pp
Staff (FTE)11.2▲ 20.0%
above
within
below
the middle half (P25 to P75) of NACE 10, Manufacture of food products, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €978,947
Fixed assets
€545,972 ▲ 396%
Current assets
€432,975 ▲ 13.9%
Equity and liabilities €978,947
Equity
€311,023 ▲ 16.6%
Debt
€667,924 ▲ 199%
Debt's share of the balance-sheet total rises from 45.6% to 68.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€157,403▼
2024 · €209,178
Cash flow
€132,759▼
2024 · €148,585
Quick ratio
1.13▼
2024 · 1.70
Debt to equity
2.15▲
2024 · 0.84
ROE
28.1%▼
2024 · 46.3%
Interest coverage
17.15▼
2024 · 31.67
Debt ≤ 1 year
€250,314▲
2024 · €133,416
Debt > 1 year
€417,609▲
2024 · €90,020
Income taxes
€25,139▼
2024 · €54,701
Staff costs
€19,093▲
2024 · €2,357
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €2,357 | €19,093 | ▲ 710% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,179 | €9,333 | €14,102 | €25,197 | €45,366 | ▲ 80.0% |
| Other operating charges640/8 | €2,376 | €2,198 | €709 | €1,016 | €675 | ▼ 33.5% |
| Gross operating margin9900 | €25,825 | €53,566 | €95,397 | €212,551 | €177,171 | ▼ 16.6% |
| Operating profit (loss)9901 | €21,270 | €42,034 | €80,585 | €183,981 | €112,036 | ▼ 39.1% |
| Financial income75/76B | - | - | €1,844 | €712 | €9,674 | ▲ 1,258% |
| Recurring financial income75 | - | - | €1,844 | €712 | €9,674 | ▲ 1,258% |
| Financial charges65/66B | €1,843 | €4,270 | €2,900 | €6,604 | €9,178 | ▲ 39.0% |
| Recurring financial charges65 | €1,843 | €4,270 | €2,900 | €6,604 | €9,178 | ▲ 39.0% |
| Profit (loss) for the period before taxes9903 | €19,428 | €37,765 | €79,530 | €178,088 | €112,532 | ▼ 36.8% |
| Income taxes67/77 | €5,934 | €8,232 | €22,802 | €54,701 | €25,139 | ▼ 54.0% |
| Profit (loss) for the period9904 | €13,493 | €29,533 | €56,728 | €123,388 | €87,393 | ▼ 29.2% |
| Profit (loss) for the period to be appropriated9905 | €13,493 | €29,533 | €56,728 | €123,388 | €87,393 | ▼ 29.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €58,107 | €275,676 | €353,541 | €490,092 | €978,947 | ▲ 99.7% |
| Fixed assets21/28 | €4,004 | €84,895 | €131,395 | €109,968 | €545,972 | ▲ 396% |
| Intangible fixed assets21 | €0 | - | €1,999 | €3,484 | €2,649 | ▼ 24.0% |
| Tangible fixed assets22/27 | €4,004 | €84,895 | €129,397 | €106,484 | €538,823 | ▲ 406% |
| Land and buildings22 | - | - | - | - | €405,395 | - |
| Plant, machinery and equipment23 | €566 | €56,780 | €47,202 | €40,030 | €70,176 | ▲ 75.3% |
| Furniture and vehicles24 | €3,438 | €6,117 | €62,572 | €49,205 | €34,644 | ▼ 29.6% |
| Other tangible fixed assets26 | - | €21,998 | €19,623 | €17,250 | €28,609 | ▲ 65.9% |
| Financial fixed assets28 | - | - | - | - | €4,500 | - |
| Current assets29/58 | €54,103 | €190,781 | €222,146 | €380,124 | €432,975 | ▲ 13.9% |
| Stocks and contracts in progress3 | €15,688 | €53,244 | €86,343 | €153,774 | €150,766 | ▼ 2.0% |
| Stocks30/36 | €15,688 | €53,244 | €86,343 | €153,774 | €150,766 | ▼ 2.0% |
| Amounts receivable within one year40/41 | €4,267 | €41,327 | €41,886 | €52,083 | €163,781 | ▲ 214% |
| Trade receivables40 | €2,509 | €40,515 | €40,849 | €48,946 | €142,193 | ▲ 191% |
| Other amounts receivable41 | €1,758 | €811 | €1,037 | €3,137 | €21,588 | ▲ 588% |
| Cash at bank and in hand54/58 | €34,051 | €93,546 | €93,372 | €169,013 | €114,339 | ▼ 32.3% |
| Deferred charges and accrued income490/1 | €97 | €2,664 | €545 | €5,253 | €4,089 | ▼ 22.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €58,107 | €275,676 | €353,541 | €490,092 | €978,947 | ▲ 99.7% |
| Equity10/15 | €44,608 | €86,541 | €143,269 | €266,656 | €311,023 | ▲ 16.6% |
| Contributions10/11 | €6,200 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €38,408 | €67,941 | €124,669 | €248,056 | €292,423 | ▲ 17.9% |
| Distributable reserves133 | €38,408 | €67,941 | €124,669 | €248,056 | €292,423 | ▲ 17.9% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | - |
| Amounts payable17/49 | €13,499 | €189,135 | €210,273 | €223,436 | €667,924 | ▲ 199% |
| Amounts payable after more than one year17 | - | €112,389 | €108,564 | €90,020 | €417,609 | ▲ 364% |
| Financial debts170/4 | - | €112,389 | €108,564 | €90,020 | €417,609 | ▲ 364% |
| Amounts payable within one year42/48 | €13,499 | €76,746 | €101,708 | €133,416 | €250,314 | ▲ 87.6% |
| Current portion of amounts payable after more than one year42 | - | €9,094 | €19,025 | €18,544 | €42,284 | ▲ 128% |
| Trade debts44 | €8,288 | €51,623 | €51,831 | €63,265 | €130,347 | ▲ 106% |
| Suppliers440/4 | €8,288 | €51,623 | €51,831 | €63,265 | €130,347 | ▲ 106% |
| Advances received on contracts in progress46 | - | €3,637 | €7,651 | €8,875 | €10,808 | ▲ 21.8% |
| Taxes, remuneration and social security45 | €3,990 | €10,540 | €280 | €39,947 | €33,397 | ▼ 16.4% |
| Taxes450/3 | €3,990 | €10,540 | €280 | €39,676 | €31,411 | ▼ 20.8% |
| Remuneration and social security454/9 | - | - | - | €271 | €1,986 | ▲ 633% |
| Other amounts payable47/48 | €1,221 | €1,851 | €22,921 | €2,785 | €33,479 | ▲ 1,102% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,493 | €29,533 | €56,728 | €123,388 | €87,393 | ▼ 29.2% |
| + Depreciation and write-downs630 | €2,179 | €9,333 | €14,102 | €25,197 | €45,366 | ▲ 80.0% |
| Operating cash flow (approximation) | €15,673 | €38,866 | €70,830 | €148,585 | €132,759 | ▼ 10.7% |
| Investment in fixed assets (approximation) | - | -€90,224 | -€60,603 | -€3,770 | -€481,370 | ▼ 12,668% |
| Change in cash | - | €59,495 | -€174 | €75,641 | -€54,674 | ▼ 172% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €123,388 ▲118%
Operating result €183,981, net result €123,388, both a record.
31-12
Financial
Equity above €200,000Eq €266,656 ▲86.1%
4 profitable years in a row build equity to €266,656.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €143,269 ▲65.6%
3 profitable years in a row build equity to €143,269.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €13,493
Net result €13,493 after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€2,027
Net result drops to -€2,027, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Kapellen · 2 establishment units since 2001
Ground area
539 m²
Building footprint
325 m²
Volume, LiDAR
1,887 m³
2 parcels, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Dorpsstraat 47, 2950 Kapellen
since 20012.101.409.285
Paalstraat 56, 2900 Schoten
since 20262.382.946.243
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0151/00N015 | Flanders | 395 m² | 1 · 181 m² | 11.0 m · 1 fl. |
| 11902E0187/00A000 | Flanders | 144 m² | 1 · 144 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 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
2 sitesKapellen (Antw.)2.101.409.285
Schoten2.382.946.243
Similar companies · same sector, comparable size
MOKATURC
BE 0438.920.545
Chaudfontaine · Eq €320,256
KOFFIE KAN
BE 0428.607.663
De Haan · Eq €297,244
CROSS ROAST
BE 0888.735.873
Antwerpen · Eq €328,810
STYLE COFFEE
BE 0899.468.726
Merchtem · Eq €293,692
CARANTOS
BE 0446.933.240
Blankenberge · Eq €277,931
Of 232 companies in sector 10830 we hold annual accounts for 113. 82 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-07-2001
Fiscal year end31-12
Activities, NACEBEL 2025
10830Manufacture of food products
47279Other retail sale of food
46370Wholesale trade
46389Wholesale of other food products
46431Wholesale of electrical household appliances and audio-video equipment
47110Non-specialised retail sale with food, beverages or tobacco predominating
47120Other non-specialised retail sale
47540Retail sale of electrical household appliances
56112Limited-service restaurants, excluding mobile food services
73110Advertising agencies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0475192013
Registered
12-06-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.