Billo
ActiveBillo has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €4k. Equity is growing by ~302.3% per year across the filed fiscal years. Its solvency ranks better than 16% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability36▼-3
Solvency16▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.94 against 1.0 in 2024), and 90.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
9.5%
Return on assets
0.7%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31487 sector peers (2025).
NBB · sector comparisonPosition among 31487 sector peers
Solvency
better than 16%
← weakest
strongest →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
17 d early
2023
50 d early
2022
20 d early
2021
2 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▲ 7.8%
2024 · €49k
2021: €281
2022: €2k
2023: €5k
2024: €49k
2021 → 2025
Total assets
€558k▲ 21.1%
2024 · €461k
2021: €194k
2022: €186k
2023: €190k
2024: €461k
2021 → 2025
Net result
€4k▲ 0.6%
2024 · €4k
2021: €-10k
2022: €2k
2023: €3k
2024: €4k
2021 → 2025
Working capital
€-23k
2024 · €598
2021: €-39k
2022: €-39k
2023: €-38k
2024: €598
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€281-€2k▲ 607%€5k▲ 169%€49k▲ 820%€53k▲ 7.8%
Operating result€-4k-€5k€9k▲ 59.0%€8k▼ 8.7%€11k▲ 46.4%
Net result€-10k-€2k€3k▲ 97.4%€4k▲ 13.8%€4k▲ 0.6%
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 46% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €558k
Fixed assets
€189k▲ 12.8%
Current assets
€370k▲ 25.9%
Equity and liabilities €558k
Equity
€53k▲ 7.8%
Debt
€505k▲ 22.7%
The debt ratio rises from 89.3% to 90.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€17k▲
2024 · €13k
Cash flow
€10k▲
2024 · €9k
Solvency
9.5%▼
2024 · 10.7%
Current ratio
0.94▼
2024 · 1.00
Quick ratio
0.94▼
2024 · 1.00
Debt / equity
9.49▲
2024 · 8.34
ROE
7.3%▼
2024 · 7.8%
ROA
0.7%▼
2024 · 0.8%
Interest coverage
2.56▼
2024 · 3.58
Debt
€505k▲
2024 · €412k
Debt ≤ 1 year
€392k▲
2024 · €293k
Debt > 1 year
€111k▼
2024 · €118k
Income taxes
€3k▲
2024 · €2k
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€461k€558k▲
Fixed assets21/28€167k€189k▲
Tangible fixed assets22/27€167k€164k▼
Land and buildings22€167k€163k▼
Furniture and vehicles24€257€1k▲
Financial fixed assets28-€25k
Current assets29/58€294k€370k▲
Amounts receivable after more than one year29€200k€200k=
Other amounts receivable291€200k€200k=
Amounts receivable within one year40/41€80k€155k▲
Trade receivables40€35k€105k▲
Other amounts receivable41€45k€51k▲
Cash at bank and in hand54/58€11k€9k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€461k€558k▲
Equity10/15€49k€53k▲
Contributions10/11€53k€53k=
Profit (loss) carried forward14€-3k€695▲
Amounts payable17/49€412k€505k▲
Amounts payable after more than one year17€118k€111k▼
Financial debts170/4€118k€111k▼
Amounts payable within one year42/48€293k€392k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€15k€8k▼
Taxes450/3€10k€8k▼
Remuneration and social security454/9€5k€0▼
Other amounts payable47/48€266k€372k▲
Accrued charges and deferred income492/3€150€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€15k€22k▲
Operating profit (loss)9901€8k€11k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€6k€7k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€4k€4k▲
Profit (loss) for the period to be appropriated9905€4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€695▲
Profit (loss) brought forward from the previous period14P€-7k€-3k▲
The notes to these accounts (14 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €4k ▲0.6%
Operating result €11k, net result €4k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 1.00
Current ratio from 0.37 to 1.00.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Zulte · 1 establishment unit since 2020
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.
Oliebergstraat 149870 ZulteGround area
808 m²
Building footprint
248 m²
Volume, LiDAR
1,577 m³
Parcel 44050A0513/00H000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Billo
since 20202.306.533.504
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44050A0513/00H000 | Flanders | 808 m² | 1 · 248 m² | 11.0 m · 2 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 82,201 companies in sector 70200 we hold annual accounts for 52,400. 38,279 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.