Summary
BIND is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €9,787 and a net result of €26,153. Equity is shrinking by about 17% per year across the filed financial years. Its solvency ranks better than 16% of 9,762 sector peers (NACE 64, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
1 site
Size
€100,674total assets 2025
- Equity
- €9,787
- Profit
- €26,153
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts filed 48 days late0 of 1 deed read
Signalsraises riskWeak solvency vs sectorneutralFiled after the deadlineShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 9762 sector peers (2025).
NBB · sector comparisonPosition among 9762 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
48 days late
2024
53 days late
2023
169 days late
2022
31 days late
2021
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 72 days after the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
09-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
Equity
€9,787=
2024 · €9,787
Net result
€26,153▼ 39.9%
2024 · €43,527
Total assets
€100,674▼ 18.4%
2024 · €123,347
Solvency
9.7%▲ 1.8pp
2024 · 7.9%
Trend over the years
2021 to 2025, 5 financial years
The operating result falls in 2025; 2025 is 26% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€43,816
2025
Net result€26,153
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€100,674
2025
Equity€9,787
2025
Debt€90,887
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€14,164
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)26.0%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency9.7%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.84
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,509-€12,729▼ 40.8%€52,910▲ 316%€59,373▲ 12.2%€43,816▼ 26.2%
Net result€15,439within the sector's middle half-€6,787within the sector's middle half▼ 56.0%€38,752within the sector's middle half▲ 471%€43,527within the sector's middle half▲ 12.3%€26,153within the sector's middle half▼ 39.9%
Equity€18,439below the sector's middle half-€25,226below the sector's middle half▲ 36.8%€63,977within the sector's middle half▲ 154%€9,787below the sector's middle half▼ 84.7%€9,787below the sector's middle half=
Total assets€36,647below the sector's middle half-€46,115below the sector's middle half▲ 25.8%€78,404below the sector's middle half▲ 70.0%€123,347below the sector's middle half▲ 57.3%€100,674below the sector's middle half▼ 18.4%
Debt€18,208-€20,889▲ 14.7%€14,427▼ 30.9%€113,559▲ 687%€90,887▼ 20.0%
Working capital€12,513within the sector's middle half-€15,998within the sector's middle half▲ 27.8%€61,422within the sector's middle half▲ 284%€5,198within the sector's middle half▼ 91.5%-€14,164within the sector's middle half
Solvency50.3%within the sector's middle half-54.7%within the sector's middle half▲ 4.4pp81.6%above the sector's middle half▲ 26.9pp7.9%below the sector's middle half▼ 73.7pp9.7%below the sector's middle half▲ 1.8pp
Current ratio1.69within the sector's middle half-1.77within the sector's middle half▲ 0.085.26above the sector's middle half▲ 3.491.05within the sector's middle half▼ 4.210.84within the sector's middle half▼ 0.20
Return on assets (ROA)42.1%above the sector's middle half-14.7%within the sector's middle half▼ 27.4pp49.4%above the sector's middle half▲ 34.7pp35.3%above the sector's middle half▼ 14.1pp26.0%within the sector's middle half▼ 9.3pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100,674
Fixed assets
€23,951 ▲ 422%
Current assets
€76,723 ▼ 35.4%
Equity and liabilities €100,674
Equity
€9,787 =
Debt
€90,887 ▼ 20.0%
Debt's share of the balance-sheet total falls from 92.1% to 90.3%. Debt is lower.
Key figures and ratios
ROE
267.2%▼
2024 · 444.7%
Debt ≤ 1 year
€90,887▼
2024 · €113,559
Income taxes
€11,551▼
2024 · €14,536
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 | €2,148 | €6,801 | €6,673 | €2,874 | €2,407 | ▼ 16.2% |
| Other operating charges640/8 | €694 | €578 | €688 | €2,968 | €2,525 | ▼ 14.9% |
| Non-recurring operating charges66A | €76 | - | - | - | €183 | - |
| Gross operating margin9900 | €24,428 | €20,108 | €60,271 | €65,215 | €48,931 | ▼ 25.0% |
| Operating profit (loss)9901 | €21,509 | €12,729 | €52,910 | €59,373 | €43,816 | ▼ 26.2% |
| Financial income75/76B | - | - | - | €0 | €0 | ▼ 100% |
| Recurring financial income75 | - | - | - | €0 | €0 | ▼ 100% |
| Financial charges65/66B | €1,562 | €1,906 | €2,016 | €1,310 | €6,113 | ▲ 367% |
| Recurring financial charges65 | €1,562 | €1,906 | €2,016 | €1,310 | €6,113 | ▲ 367% |
| Profit (loss) for the period before taxes9903 | €19,947 | €10,823 | €50,893 | €58,063 | €37,704 | ▼ 35.1% |
| Income taxes67/77 | €4,508 | €4,036 | €12,142 | €14,536 | €11,551 | ▼ 20.5% |
| Profit (loss) for the period9904 | €15,439 | €6,787 | €38,752 | €43,527 | €26,153 | ▼ 39.9% |
| Profit (loss) for the period to be appropriated9905 | €15,439 | €6,787 | €38,752 | €43,527 | €26,153 | ▼ 39.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €36,647 | €46,115 | €78,404 | €123,347 | €100,674 | ▼ 18.4% |
| Fixed assets21/28 | €5,925 | €9,228 | €2,555 | €4,589 | €23,951 | ▲ 422% |
| Tangible fixed assets22/27 | €5,925 | €9,228 | €2,555 | €4,589 | €23,951 | ▲ 422% |
| Furniture and vehicles24 | €5,925 | €9,228 | €2,555 | €4,589 | €23,951 | ▲ 422% |
| Current assets29/58 | €30,721 | €36,887 | €75,849 | €118,757 | €76,723 | ▼ 35.4% |
| Amounts receivable within one year40/41 | €16,800 | €16,869 | €45,852 | €51,946 | €29,217 | ▼ 43.8% |
| Trade receivables40 | €11,314 | €11,402 | €33,628 | €20,582 | €25,295 | ▲ 22.9% |
| Other amounts receivable41 | €5,486 | €5,467 | €12,224 | €31,364 | €3,923 | ▼ 87.5% |
| Cash at bank and in hand54/58 | €13,921 | €20,019 | €29,996 | €42,470 | €32,202 | ▼ 24.2% |
| Deferred charges and accrued income490/1 | - | - | - | €24,341 | €15,304 | ▼ 37.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €36,647 | €46,115 | €78,404 | €123,347 | €100,674 | ▼ 18.4% |
| Equity10/15 | €18,439 | €25,226 | €63,977 | €9,787 | €9,787 | = |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €15,439 | €22,226 | €60,977 | €6,787 | €6,787 | = |
| Distributable reserves133 | €15,439 | €22,226 | €60,977 | €6,787 | €6,787 | = |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €18,208 | €20,889 | €14,427 | €113,559 | €90,887 | ▼ 20.0% |
| Amounts payable within one year42/48 | €18,208 | €20,889 | €14,427 | €113,559 | €90,887 | ▼ 20.0% |
| Trade debts44 | €3,013 | €2,413 | - | €5,645 | €1,454 | ▼ 74.2% |
| Suppliers440/4 | €3,013 | €2,413 | - | €5,645 | €1,454 | ▼ 74.2% |
| Taxes, remuneration and social security45 | €15,195 | €18,476 | €14,316 | €10,198 | €12,820 | ▲ 25.7% |
| Taxes450/3 | €15,195 | €18,476 | €13,721 | €10,198 | €10,131 | ▼ 0.7% |
| Remuneration and social security454/9 | - | - | €595 | €0 | €2,689 | - |
| Other amounts payable47/48 | - | - | €111 | €97,717 | €76,612 | ▼ 21.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,439 | €6,787 | €38,752 | €43,527 | €26,153 | ▼ 39.9% |
| + Depreciation and write-downs630 | €2,148 | €6,801 | €6,673 | €2,874 | €2,407 | ▼ 16.2% |
| Operating cash flow (approximation) | €17,587 | €13,588 | €45,424 | €46,401 | €28,560 | ▼ 38.5% |
| Investment in fixed assets (approximation) | - | -€10,103 | €0 | -€4,908 | -€21,768 | ▼ 344% |
| Change in cash | - | €6,098 | €9,978 | €12,473 | -€10,268 | ▼ 182% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of the 24,717 companies in this sector, figures are known for 20,181. 5,231 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Directors
Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
17-09
NBB filing
Annual accounts filed
financial year 2025 · micro format · 48 days late
2025
22-09
NBB filing
Annual accounts filed
financial year 2024 · micro format · 53 days late
16-01
NBB filing
Annual accounts filed
financial year 2023 · micro format · 169 days late
2024
31-12
Financial
Highest result from 2021 to 2025net €43,527 ▲12.3%
Operating result €59,373, net result €43,527, both a record.
2023
31-12
Financial
Liquidity more than doublescurrent ratio 5.26
Current ratio from 1.77 to 5.26; short-term debt falls from €20,889 to €14,427.
31-08
NBB filing
Annual accounts filed
financial year 2022 · micro format · 31 days late
2022
31-12
Financial
Weakest financial yearnet €6,787 ▼56%
Net result drops to €6,787, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
financial year 2021 · micro format · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 1 deed read
About the unread acts
We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company
Founded23-12-2020
Financial year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0760484255
Also
9925:BE0760484255
Registered
19-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 9 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Kinrooi · 1 establishment unit since 2020
Ground area
693 m²
Building footprint
120 m²
Building volume
811 m³
Parcel 72017A0676/00M002, Flanders · tallest building 10.3 m. Linked by address, not a title deed.
1 establishment unit
BIND
since 2020unit no. 2.312.930.950
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72017A0676/00M002 | Flanders | 693 m² | 1 · 120 m² | 10.3 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.