Turnover
≈ €83,000 estimated
The micro format states no turnover.
-Bility
Overview
Lifetime
4 annual accounts with figures on one time axispeak €31,310 (2025)
€31,310▲ €31,325
lowest -€12,525 (2024)
€23,916▲ €36,441
peak €15,799 (2025)
€15,799▲ €23,916
€7,174▼ 51.3%
Board1 name since 2021
1 directorGRAINDORGE Ludovic Noël
Documentsfilings and deeds
12-01-202619 days before the deadline
2025micro format
Gross margin from -€15 to €31,310Back to profit: €23,916Equity from -€8,117 to €15,799Debts from €14,742 to €7,174Investments €8,041Cash from €954 to €13,293
Key points
from the 2025 annual accountsInvestments
€9,000 6.1 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.94 was 0.28 in 2024
Short-term debts fell from €14,742 to €7,174.
Checked score
96
Excellent
Financially stronger than 83% of micro companies in advertising and market research (NACE 73)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,230 companies (NACE 73, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 1.1%▲ +0.2 percentage points vs 12-2024highest value
02-2025: 1.1%● unchanged vs 01-2025highest value
03-2025: 0.9%▼ -0.2 percentage points vs 02-2025
04-2025: 0.9%● unchanged vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 0.9%● unchanged vs 06-2025
08-2025: 0.9%● unchanged vs 07-2025
09-2025: 0.9%● unchanged vs 08-2025
10-2025: 0.9%● unchanged vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 1.0%▲ +0.1 percentage points vs 11-2025
01-2026: 1.0%● unchanged vs 12-2025
02-2026: 0.1%▼ -0.9 percentage points vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €22,973
lowers risk
Liquidity: current ratio 1.94, cash €13,293
Sector: Advertising, market research and public relations activities (NACE 73)
Equity €15,799 (68.8% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 66% of them on solvency, 79% on liquidity, 88% on profitability and 97% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as -Bility has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of -Bility itself is lower: 0.1% within 12 months. It rests on far more data about -Bility than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for -Bility. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.94 (0.28 in 2024), above the usual 1.5. Short-term debt is 31.2% and cash 57.9% of total assets. 31.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
19 days early
2024
58 days early
2023
5 days early
2022
138 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 55 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 24 December (3 of the last 4 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0770464664
Incorporation
Founding capital of €3,000, 100 shares · Founder: GRAINDORGE Ludovic Noël · Appointment: GRAINDORGE Ludovic Noël (director) · published on 01-07-2021 · Gazette deed
First establishment
Rue de l'Amérique,Pin 2, Chiny
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| -Bility Chiny | €22,973 | €31,310 | 68.8% | - |
| eMense Ghent | €26,128 | €34,811 | 67.3% | - |
| ZM & CO Anderlecht | €26,483 | €28,010 | -64.1% | - |
| STONEFIELDS Herzele | €23,863 | €43,725 | -225.3% | - |
| VLOO Uccle | €30,447 | €36,239 | -379.1% | - |
| Blixem Wijnegem | €29,196 | €25,350 | 48.6% | - |
| RésAlliance Fleurus | €30,506 | €28,058 | 60.2% | - |
These companies have the same main activity as -Bility: advertising agencies (NACE 73110). They are comparable in size and age: total assets between €23,900 and €30,500, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 29-06-2021Normal situation
- Activity
- Advertising agenciesNACE 73110and 3 others
- Establishment unit
- 2.319.377.0946810 Chiny, since 29-06-2021
- Financial year end
- 30 June
- Peppol
- Reachable since 10-07-2024
Annual accounts to 30-06-2025
- €31,310
- €23,916
- €15,799
- €22,973▲ 247%
- Filing
- Filed on 12-01-2026, 19 days before the end of the filing period
Insights on -Bility
-Bility files the micro format. That format states no turnover. The gross margin rose from €20,126 in 2022 to €31,310 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 12-01-2026, 19 days before the deadline€31,310
▲ €31,325
€28,884
▲ €40,783
€23,916
▲ €36,441
€6,730
▲ €17,342
68.8%
▲ 191.3 percentage points
1.94
▲ 1.66
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €83,000. Estimated: probably between €58,000 and €110,000.
Balance sheet
balance sheet total €22,973 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
68.8%
Higher than 64% of 8,614 companies in 2025.
1.94
Higher than 48% of 8,290 companies in 2025.
104.1%
Higher than 95% of 8,399 companies in 2025.
-Bility
Middle half of the sector
80% of the sector
Micro accounts in advertising and market research (NACE 73)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
22,973 | 6,625 | 23,021 | 38,487 | |
21/28 |
9,069 | 2,495 | 14,054 | 22,292 | |
22/27 |
9,069 | 2,495 | 14,054 | 22,292 | |
24 |
9,069 | 2,495 | 14,054 | 22,292 | |
29/58 |
13,903 | 4,129 | 8,967 | 16,195 | |
40/41 |
610 | 3,176 | 5,889 | 631 | |
40 |
- | 2,975 | 5,125 | - | |
41 |
610 | 201 | 764 | 631 | |
54/58 |
13,293 | 954 | 3,032 | 15,564 | |
490/1 |
- | - | 45 | - | |
| Balance sheet: equity and liabilities | |||||
10/49 |
22,973 | 6,625 | 23,021 | 38,487 | |
10/15 |
15,799 | -8,117 | 4,407 | 8,259 | |
10/11 |
3,000 | 3,000 | 3,000 | 3,000 | |
14 |
12,799 | -11,117 | 1,407 | 5,259 | |
17/49 |
7,174 | 14,742 | 18,613 | 30,228 | |
17 |
- | - | 13,148 | 16,312 | |
170/4 |
- | - | 13,148 | 16,312 | |
42/48 |
7,174 | 14,742 | 5,465 | 13,916 | |
42 |
- | 13,148 | 3,164 | 3,072 | |
44 |
1,685 | 801 | 1,066 | 1,108 | |
440/4 |
1,685 | 801 | 1,066 | 1,108 | |
45 |
4,485 | 63 | 414 | 2,452 | |
450/3 |
4,485 | 63 | 414 | 2,452 | |
47/48 |
1,004 | 730 | 821 | 7,283 | |
| Income statement | |||||
9900 |
31,310 | -15 | 8,368 | 20,126 | |
630 |
1,467 | 11,558 | 10,913 | 10,749 | |
640/8 |
- | 326 | 226 | 1,067 | |
66A |
959 | - | - | - | |
9901 |
28,884 | -11,899 | -2,772 | 8,310 | |
65/66B |
546 | 562 | 666 | 598 | |
65 |
546 | 562 | 666 | 598 | |
9903 |
28,338 | -12,461 | -3,438 | 7,712 | |
67/77 |
4,422 | 63 | 414 | 2,452 | |
9904 |
23,916 | -12,525 | -3,852 | 5,259 | |
9905 |
23,916 | -12,525 | -3,852 | 5,259 | |
| Appropriation of the result | |||||
9906 |
12,799 | -11,117 | 1,407 | 5,259 | |
14P |
-11,117 | 1,407 | 5,259 | - | |
| Document | |||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 12-01-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 30,351 | -341 | 8,142 | 19,059 | ||
| 25,383 | -967 | 7,061 | 16,009 | ||
| 9,000 | 0 | 2,675 | 32,000 | ||
| 12,340 | -2,079 | -12,532 | - | ||
| 6,730 | -10,613 | 3,502 | 2,279 | ||
| 68.8% | -122.5% | 19.1% | 21.5% | ||
| 1.94 | 0.28 | 1.64 | 1.16 | ||
| 0.45 | - | 4.22 | 3.66 | ||
| 151.4% | - | -87.4% | 63.7% | ||
| 104.1% | -189.1% | -16.7% | 13.7% | ||
| 55.57 | -0.61 | 12.22 | 31.86 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-06-2025 | 30-06-2024 | 30-06-2023 | 30-06-2022 |
|---|---|---|---|---|
| Tangible fixed assets | €9,000 | - | €2,675 | €32,000 |
| €1,467 | €11,558 | €10,913 | €10,749 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on -Bility
The operating result for 2025 is a profit of €28,884, after a loss of €11,899 in 2024. It is the highest result since 2022.
Debt's share of the balance-sheet total is 31.2%.
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayGRAINDORGE Ludovic Noël
Director
Director
Board
Mandates as a list
- GRAINDORGE Ludovic Noël
- Director, appointed by deed of 01-07-2021, still in office
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €158 in 2025
- Source
- deed of 01-07-2021
Articles of association
deed of 01-07-2021 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement aux actions acquises, cessions entre vifs à titre onéreux ou gratuit,volontaires ou…”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 01-07-2021 ↗
- GRAINDORGE Ludovic Noël 100 shares (100%) · €3,000 in cash
Network & group
No group
-Bility has no parent and no holdings in its annual accounts. GRAINDORGE Ludovic Noël is the only director. -Bility shares no director with another company.
Timeline
Timeline
10 events since 2021Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-01-2027
2026
Annual accounts 2025 filed PDFmicro format · 19 days before the deadline
2025
Back to profit net €23,916 The net result is €23,916, after 2 loss-making years.
Liquidity more than 6 times current ratio 1.94 The current ratio rises from 0.28 to 1.94. Short-term debt falls from €14,742 to €7,174.
2024
Annual accounts 2024 filed PDFmicro format · 58 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0770464664
Weakest financial year net -€12,525 The net result drops to -€12,525, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 5 days before the deadline
2022
Annual accounts 2022 filed PDFmicro format · 138 days before the deadline
2021
IncorporationFounding capital of €3,000, 100 shares · Founder: GRAINDORGE Ludovic Noël · Appointment: GRAINDORGE Ludovic Noël (director) · published on 01-07-20215 points ▸
- Registered office clause, route d'Etalle, numéro 18 boîte 7, 6700 Arlon-Fouches
- Director appointment, GRAINDORGE Ludovic Noël
- Founder, GRAINDORGE Ludovic Noël
- Founding capital, €3,000, 100 shares
- 100 shares
- The deed holds 6 more points.
First establishment Rue de l'Amérique,Pin 2, Chiny
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 29 June 2021, -Bility was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 GRAINDORGE Ludovic Noël is director of the company, appointed by deed of 01-07-2021.2 Total assets went from €38,487 in 2022 to €22,973 in 2025.3
Company details
Identity
- Enterprise number
- 0770.464.664
- VAT number
- BE 0770.464.664
- Peppol ID
- 0208:0770464664
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-06-2021
- Financial year
- ends on 30 June
- Peppol
- Reachable since 10-07-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- -Bility in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 01-07-2021 (in French)
Activities
NACEBEL 202573110
Advertising agencies main activity
62100
Computer programming
90111
Literary creation
Codes under NACEBEL 2008
73110
Advertising, market research and public relations activities main activity
62010
Computer programming, consultancy and related activities
70210
Activities of head offices; management consultancy activities
90031
Arts creation and performing arts activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La prestation de service en matière informatique et bureautique. La conception et la commercialisation de produits. L’étude et la mise en…”deed of 01-07-2021 (in French)
8 activities
- La prestation de service en matière informatique et bureautique. La conception et la commercialisation de produits. L’étude et la mise en œuvre d’action de promotion et de publicité;
- Le conseil, l’organisation dans les domaines de l’informatique et de transmission de l’information ou de données pour toute entreprise ou personnes physiques et morales;
- Toute activité de marketing et communication au sens large;
- Le commerce en gros et détail dans le pays comme hors de nos frontières de tous types de biens, consommables et/ou non consommables;
- L’entretien et la réparation de machines de bureau et de matériel informatique, le commerce de détail spécialisé d’équipement de bureau, d’ordinateurs et de matériel de télécommunication ainsi que toutes opérations relatives à tous travaux d’études, services en rapport direct ou indirect avec l’informatique et son organisation, ainsi que l’achat, la vente, la location de tout matériel informatique, accessoires, fournitures et produits;
- La commercialisation, la vente, la location et la maintenance de matériels et logiciels informatiques, le développement, la création, la maintenance et la gestion de sites internet, la vente d’abonnement internet. Et plus généralement, toute prestation de services se rapportant à l’informatique et aux technologies de l’information intégrant notamment : une assistance téléphonique, la location et la maintenance de sites internet;
- La promotion et le développement de sites internet;
- Le Conseil et soutien aux entreprises de manière générale.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de l'Amérique,Pin 2 registered office 6810 Chiny | 29-06-2021 | 2.319.377.094 |
Buildings and parcels at the address
- Ground area
- 545 m²
- Buildings
- 170 m²
- Volume, LiDAR
- 1,147 m³
- Tallest building
- 9.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 85018D1060/00N000 | 545 m² | 1 · 170 m² | 9.2 m · 2 |