BILTO
ActiveThe computed 12-month bankruptcy probability of BILTO is 2.8% (moderate). The 2024 annual accounts show equity of €48k and a net result of €47k. Its solvency ranks better than 32% of 7431 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes
Profitability100
Solvency54
Growth-
Stability67
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.29), and 70% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
30%
Return on assets
29.4%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 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 · 1 filingDeviation from the deadline
2024
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€48k
Total assets
€161k
Net result
€47k
Working capital
€33k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €161k
Fixed assets
€16k
Current assets
€145k
Equity and liabilities €161k
Equity
€48k
Debt
€113k
Debt finances 70.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€86k
Cash flow
€49k
Solvency
30.0%
Current ratio
1.29
Quick ratio
1.29
Debt / equity
2.33
ROE
97.9%
ROA
29.4%
Interest coverage
100.58
Debt
€113k
Debt ≤ 1 year
€113k
Income taxes
€37k
Staff costs
€333k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Total assets
20/58€161k
Fixed assets
21/28€16k
Tangible fixed assets
22/27€3k
Financial fixed assets
28€13k
Current assets
29/58€145k
Amounts receivable within one year
40/41€144k
Cash & bank
54/58€1k
Total equity & liabilities
10/49€161k
Equity
10/15€48k
Contributions / capital
10/11€1k
Reserves
13€47k
Amounts payable
17/49€113k
Amounts payable within one year
42/48€113k
Trade debts payable within one year
44€64k
Income statement
Code2024
Gross operating margin
9900€438k
Operating result
9901€85k
Financial income
75€95
Financial charges
65€859
Result before taxes
9903€84k
Income taxes
67/77€37k
Net result for the period
9904€47k
Result to be appropriated
9905€47k
Timeline · acts, filings and financial milestones
2026
29-07
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 1 juli 2026
- Registered-office move, Mosten 7A, 9160 Lokeren
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 69 days late
State Gazette actNBB filing
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
SCHOOFS
BE 0875.738.467
Peer · Eq €48k
NextPower
BE 1007.449.621
Genk · Eq €48k
KEVIN SCHAUT
BE 0742.737.314
Kortenberg · Eq €48k
Electricité Coban
BE 0766.436.491
Machelen (Brab.) · Eq €48k
DIEGO DEMEYER
BE 0800.746.678
Lievegem · Eq €48k
Of 22,725 companies in sector 43211 we hold annual accounts for 10,107. 8,367 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2024
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
43211General electrical installation work
41001General construction of residential buildings
42220Construction of utility projects for electricity and telecommunications
43212Electrical installation work in industrial facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.