Billinvest
ActiveBillinvest has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €27k. Its solvency ranks better than 47% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency78▲+29
Growth78
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.28 in 2024; short-term debt: 25.4% and cash: 26.7% of total assets), and 47.1% 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.
−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 →
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
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
52.9%
Return on assets
29.5%
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 27-08-2026, 27 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 · 2 filingsDeviation from the deadline
2025
27 d late
2024
23 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 126%
2024 · €21k
2024: €21k
2024 → 2025
Total assets
€91k▲ 4.5%
2024 · €88k
2024: €88k
2024 → 2025
Net result
€27k▲ 29.5%
2024 · €21k
2024: €21k
2024 → 2025
Working capital
€20k▲ 171%
2024 · €7k
2024: €7k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€21k-€48k▲ 126%
Operating result€32k-€36k▲ 10.5%
Net result€21k-€27k▲ 29.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€48k▼ 10.1%
Current assets
€43k▲ 27.3%
Equity and liabilities €91k
Equity
€48k▲ 126%
Debt
€43k▼ 34.8%
The debt ratio falls from 75.5% to 47.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2024 · €46k
Cash flow
€40k▲
2024 · €35k
Solvency
52.9%▲
2024 · 24.5%
Current ratio
1.87▲
2024 · 1.28
Quick ratio
1.87▲
2024 · 1.28
Debt / equity
0.89▼
2024 · 3.09
ROE
55.7%▼
2024 · 97.2%
ROA
29.5%▲
2024 · 23.8%
Interest coverage
24.02▲
2024 · 16.07
Debt
€43k▼
2024 · €66k
Debt ≤ 1 year
€23k▼
2024 · €27k
Debt > 1 year
€20k▼
2024 · €39k
Income taxes
€7k▼
2024 · €8k
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€88k€91k▲
Fixed assets21/28€53k€48k▼
Tangible fixed assets22/27€53k€48k▼
Plant, machinery and equipment23-€868
Furniture and vehicles24€53k€47k▼
Current assets29/58€34k€43k▲
Amounts receivable within one year40/41€14k€16k▲
Trade receivables40€5k€8k▲
Other amounts receivable41€9k€8k▼
Cash at bank and in hand54/58€20k€24k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€88k€91k▲
Equity10/15€21k€48k▲
Contributions10/11€600€600=
Reserves13€21k€21k=
Distributable reserves133€21k€21k=
Profit (loss) carried forward14€4€27k▲
Amounts payable17/49€66k€43k▼
Amounts payable after more than one year17€39k€20k▼
Financial debts170/4€39k€20k▼
Amounts payable within one year42/48€27k€23k▼
Current portion of amounts payable after more than one year42-€10k
Trade debts44€13k€643▼
Suppliers440/4€13k€643▼
Taxes, remuneration and social security45€14k€13k▼
Taxes450/3€14k€13k▼
Accrued charges and deferred income492/3-€6
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€1k€448▼
Gross operating margin9900€47k€49k▲
Operating profit (loss)9901€32k€36k▲
Financial income75/76B€0€443▲
Recurring financial income75€0€443▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€29k€34k▲
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€21k€27k▲
Profit (loss) for the period to be appropriated9905€21k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€27k▲
Profit (loss) brought forward from the previous period14P-€4
Transfer to equity691/2€21k-
To other reserves6921€21k-
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Gent · 1 establishment unit since 2023
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.
Edward Pynaertkaai 969000 GentGround area
781 m²
Building footprint
793 m²
Volume, LiDAR
14,867 m³
Parcel 44804D3181/00H005, Flanders · tallest building 23.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Billinvest
since 20232.349.921.604
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D3181/00H005 | Flanders | 781 m² | 1 · 792 m² | 23.8 m · 6 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 37,983 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.