BILOBA
ActiveSummary
BILOBA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability45▼-6
Solvency32▼-8
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.81 against 1.25 in 2024; short-term debt: 24.6% and cash: 9.5% of total assets), and 93% of the assets are financed with debt.
Credit check for your own amount and term
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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
7%
Return on assets
1.4%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 27965 sector peers (2025).
NBB · sector comparisonPosition among 27965 sector peers
Solvency
better than 12%
← 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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
7 d late
2023
37 d early
2022
6 d early
2021
48 d early
2020
46 d early
2019
13 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 53.8%
2024 · €86k
Total assets
€563k▼ 1.4%
2024 · €572k
Net result
€8k▼ 39.7%
2024 · €13k
Working capital
€-26k
2024 · €20k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€60k=€1k▼ 97.5%€55k▲ 3,564%€35k▼ 36.0%€23k▼ 33.2%
Net result€44k▼ 7.1%€-3k€31k€13k▼ 57.3%€8k▼ 39.7%
Equity€46k▼ 35.6%€43k▼ 7.5%€73k▲ 71.9%€86k▲ 17.3%€40k▼ 53.8%
Total assets€347k▲ 8.1%€594k▲ 71.2%€600k▲ 1.1%€572k▼ 4.7%€563k▼ 1.4%
Debt€301k▲ 20.7%€551k▲ 83.2%€527k▼ 4.4%€486k▼ 7.8%€524k▲ 7.9%
Working capital€11k▼ 67.4%€-33k€1k€20k▲ 1,572%€-26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €563k
Fixed assets
€451k ▼ 3.8%
Current assets
€113k ▲ 9.6%
Equity and liabilities €563k
Equity
€40k ▼ 53.8%
Debt
€524k ▲ 7.9%
Debt's share of the balance-sheet total rises from 85.0% to 93.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€48k▼
2024 · €59k
Cash flow
€33k▼
2024 · €37k
Current ratio
0.81▼
2024 · 1.25
Debt to equity
13.22▲
2024 · 5.66
ROE
19.9%▲
2024 · 15.2%
ROA
1.4%▼
2024 · 2.3%
Interest coverage
2.94▼
2024 · 3.48
Debt ≤ 1 year
€138k▲
2024 · €82k
Debt > 1 year
€385k▼
2024 · €402k
Income taxes
€2k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13k | €14k | €24k | €24k | €25k | ▲ 3.6% |
| Other operating charges640/8 | €1k | €57k | €2k | €1k | €1k | ▼ 25.5% |
| Non-recurring operating charges66A | - | - | - | €64 | €0 | ▼ 100% |
| Gross operating margin9900 | €74k | €72k | €80k | €61k | €49k | ▼ 18.5% |
| Operating profit (loss)9901 | €60k | €1k | €55k | €35k | €23k | ▼ 33.2% |
| Financial income75/76B | €0 | €1k | €411 | €388 | €3k | ▲ 658% |
| Recurring financial income75 | €0 | €1k | €411 | €388 | €3k | ▲ 658% |
| Financial charges65/66B | €5k | €6k | €15k | €17k | €16k | ▼ 3.2% |
| Recurring financial charges65 | €5k | €6k | €15k | €17k | €16k | ▼ 3.2% |
| Profit (loss) for the period before taxes9903 | €55k | €-3k | €40k | €18k | €10k | ▼ 46.2% |
| Income taxes67/77 | €11k | €0 | €9k | €5k | €2k | ▼ 61.9% |
| Profit (loss) for the period9904 | €44k | €-3k | €31k | €13k | €8k | ▼ 39.7% |
| Profit (loss) for the period to be appropriated9905 | €44k | €-3k | €31k | €13k | €8k | ▼ 39.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €347k | €594k | €600k | €572k | €563k | ▼ 1.4% |
| Fixed assets21/28 | €234k | €515k | €491k | €469k | €451k | ▼ 3.8% |
| Tangible fixed assets22/27 | €234k | €515k | €491k | €469k | €451k | ▼ 3.9% |
| Land and buildings22 | €234k | €515k | €491k | €467k | €443k | ▼ 5.1% |
| Plant, machinery and equipment23 | - | - | - | €1k | €824 | ▼ 40.1% |
| Furniture and vehicles24 | - | - | - | - | €6k | - |
| Financial fixed assets28 | €160 | €160 | €160 | €160 | €430 | ▲ 168% |
| Current assets29/58 | €113k | €78k | €109k | €103k | €113k | ▲ 9.6% |
| Amounts receivable within one year40/41 | €12k | €10k | €22k | €17k | €8k | ▼ 51.9% |
| Trade receivables40 | €8k | €10k | €15k | €5k | €0 | ▼ 100% |
| Other amounts receivable41 | €4k | €308 | €7k | €12k | €8k | ▼ 31.7% |
| Current investments50/53 | €51k | €54k | €58k | €36k | €42k | ▲ 14.9% |
| Cash at bank and in hand54/58 | €49k | €14k | €29k | €48k | €54k | ▲ 11.3% |
| Deferred charges and accrued income490/1 | €36 | €0 | - | €2k | €9k | ▲ 501% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €347k | €594k | €600k | €572k | €563k | ▼ 1.4% |
| Equity10/15 | €46k | €43k | €73k | €86k | €40k | ▼ 53.8% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €27k | €27k | €55k | €67k | €20k | ▼ 69.8% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €26k | €26k | €55k | €67k | €20k | ▼ 69.8% |
| Profit (loss) carried forward14 | - | €-3k | €0 | €0 | €726 | - |
| Amounts payable17/49 | €301k | €551k | €527k | €486k | €524k | ▲ 7.9% |
| Amounts payable after more than one year17 | €198k | €439k | €419k | €402k | €385k | ▼ 4.3% |
| Financial debts170/4 | €198k | €439k | €419k | €402k | €385k | ▼ 4.3% |
| Amounts payable within one year42/48 | €102k | €111k | €107k | €82k | €138k | ▲ 67.9% |
| Current portion of amounts payable after more than one year42 | €11k | €20k | €22k | €17k | €17k | ▲ 2.9% |
| Trade debts44 | €1k | €0 | €991 | €3k | €7k | ▲ 116% |
| Suppliers440/4 | €1k | €0 | €991 | €3k | €7k | ▲ 116% |
| Taxes, remuneration and social security45 | €510 | €4k | €1k | €4k | €6k | ▲ 50.5% |
| Taxes450/3 | €510 | €4k | €1k | €4k | €6k | ▲ 50.5% |
| Other amounts payable47/48 | €89k | €87k | €83k | €59k | €109k | ▲ 85.0% |
| Accrued charges and deferred income492/3 | €841 | €425 | €143 | €798 | €143 | ▼ 82.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44k | €-3k | €31k | €13k | €8k | ▼ 39.7% |
| + Depreciation and write-downs630 | €13k | €14k | €24k | €24k | €25k | ▲ 3.6% |
| Operating cash flow (approximation) | €57k | €11k | €54k | €37k | €33k | ▼ 11.6% |
| Investment in fixed assets (approximation) | - | €-295k | €0 | €-2k | €-7k | ▼ 328% |
| Change in cash | - | €-35k | €14k | €19k | €5k | ▼ 71.9% |
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
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.84
Current ratio from 0.51 to 1.84.
18-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Herentals · 1 establishment unit since 2018
Ground area
193 m²
Building footprint
67 m²
Volume, LiDAR
424 m³
Parcel 13302G0111/00V000, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BILOBA
since 20182.273.922.401
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302G0111/00V000 | Flanders | 193 m² | 1 · 67 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 794 EUR awarded · 794 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 794 EUR | 794 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerentals2.273.922.401
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Of 22,832 companies in sector 43211 we hold annual accounts for 10,326. 8,331 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
Founded27-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
96993Pet care services, excluding veterinary services
96999Other personal services
Scores and ratios are computed by Checked and are not a credit decision.