BILAO
ActiveBILAO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 62% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▲+33
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.1 against 1.41 in 2024; short-term debt: 30.8% and cash: 75.7% of total assets), and 32% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 70
Relative position
BE, all sectors
reference
Sector 70
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
68%
Return on assets
43.9%
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €32k
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 13-03-2026, 140 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
140 d early
2024
54 d early
2023
26 d early
2022
59 d early
2021
69 d early
2020
3 d early
2019
56 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▲ 182%
2024 · €11k
2018: €2k
2019: €23k
2020: €18k
2021: €12k
2022: €19k
2023: €11k
2024: €11k
2018 → 2025
Total assets
€48k▲ 44.6%
2024 · €33k
2018: €88k
2019: €40k
2020: €32k
2021: €42k
2022: €33k
2023: €40k
2024: €33k
2018 → 2025
Net result
€21k▲ 28.6%
2024 · €16k
2018: €26k
2019: €21k
2020: €5k
2021: €20k
2022: €15k
2023: €17k
2024: €16k
2018 → 2025
Working capital
€31k▲ 254%
2024 · €9k
2018: €1k
2019: €22k
2020: €13k
2021: €10k
2022: €18k
2023: €11k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€19k▲ 59.0%€11k▼ 41.8%€11k▲ 6.2%€32k▲ 182%
Operating result€25k-€24k▼ 5.5%€22k▼ 6.2%€22k▼ 0.1%€30k▲ 33.9%
Net result€20k-€15k▼ 22.9%€17k▲ 11.9%€16k▼ 5.5%€21k▲ 28.6%
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 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€2k▼ 25.3%
Current assets
€46k▲ 51.0%
Equity and liabilities €48k
Equity
€32k▲ 182%
Debt
€15k▼ 28.9%
The debt ratio falls from 65.2% to 32.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▲
2024 · €23k
Cash flow
€22k▲
2024 · €17k
Solvency
68.0%▲
2024 · 34.8%
Current ratio
3.10▲
2024 · 1.41
Quick ratio
3.10▲
2024 · 1.41
Debt / equity
0.47▼
2024 · 1.87
ROE
64.5%▼
2024 · 141.6%
ROA
43.9%▼
2024 · 49.3%
Interest coverage
96.91▲
2024 · 83.24
Debt
€15k▼
2024 · €21k
Debt ≤ 1 year
€15k▼
2024 · €21k
Income taxes
€9k▲
2024 · €6k
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€33k€48k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€30k€46k▲
Amounts receivable within one year40/41€21k€9k▼
Trade receivables40€9k€9k=
Other amounts receivable41€12k€0▼
Cash at bank and in hand54/58€9k€36k▲
Deferred charges and accrued income490/1€137€91▼
Equity and liabilities
Total equity and liabilities10/49€33k€48k▲
Equity10/15€11k€32k▲
Contributions10/11€1k€1k=
Reserves13€10k€30k▲
Non-distributable reserves130/1€100€100=
Reserves not available under the articles1311€100€100=
Distributable reserves133€10k€30k▲
Profit (loss) carried forward14€897€2k▲
Amounts payable17/49€21k€15k▼
Amounts payable within one year42/48€21k€15k▼
Trade debts44€413€401▼
Suppliers440/4€413€401▼
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Other amounts payable47/48€16k€7k▼
Accrued charges and deferred income492/3€46€580▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€615€708▲
Other operating charges640/8€4k€400▼
Gross operating margin9900€27k€31k▲
Operating profit (loss)9901€22k€30k▲
Financial income75/76B€493€0▼
Recurring financial income75€493€0▼
Financial charges65/66B€276€316▲
Recurring financial charges65€276€316▲
Profit (loss) for the period before taxes9903€23k€30k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€16k€21k▲
Profit (loss) for the period to be appropriated9905€16k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€22k▼
Profit (loss) brought forward from the previous period14P€10k€897▼
Transfer to equity691/2€10k€20k▲
To other reserves6921€10k€20k▲
Profit to be distributed694/7€16k€0▼
Return on contributions (dividend)694€16k€0▼
The notes to these accounts (8 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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 3.10
Current ratio from 1.41 to 3.10; short-term debt falls from €21k to €15k.
07-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €5k ▼75.7%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 2.22
Current ratio from 1.02 to 2.22; short-term debt falls from €86k to €18k.
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 40 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 50 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Elsene · 1 establishment unit since 2012
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.
César Franckstraat 181050 ElseneGround area
568 m²
Building footprint
214 m²
Volume, LiDAR
1,949 m³
2 parcels, Brussels · tallest building 15.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Vrijwilligerslaan 17, 1160 Oudergem
since 20122.207.066.734
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0273/00G003 | Brussels | 456 m² | 1 · 135 m² | 9.6 m · 3 fl. |
| 21002A0172/00A035 | Brussels | 112 m² | 1 · 79 m² | 15.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 35,023 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded31-01-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.