BINIC
ActiveSummary
BINIC has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €198k and a net result of €71k. Equity is growing by ~48.3% per year across the filed fiscal years. Its solvency ranks better than 83% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 10.54 against 6.15 in 2023; short-term debt: 9.3% and cash: 85.1% of total assets), and 9.3% 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.
−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 86
Relative position
BE, all sectors
reference
Sector 86
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 2024Solvency, return and age of the figures
Solvency
90.7%
Return on assets
32.4%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
15 d early
2023
23 d late
2022
35 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€198k▲ 54.6%
2023 · €128k
2022: €74k
2023: €128k
2022 → 2024
Total assets
€218k▲ 43.8%
2023 · €152k
2022: €97k
2023: €152k
2022 → 2024
Net result
€71k▲ 29.7%
2023 · €54k
2022: €71k
2023: €54k
2022 → 2024
Working capital
€194k▲ 58.3%
2023 · €123k
2022: €74k
2023: €123k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€74k-€128k▲ 72.4%€198k▲ 54.6%
Operating result€93k-€72k▼ 21.7%€94k▲ 29.3%
Net result€71k-€54k▼ 23.1%€71k▲ 29.7%
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 2024; 2024 is 29% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €218k
Fixed assets
€3k ▼ 33.0%
Current assets
€215k ▲ 46.4%
Equity and liabilities €218k
Equity
€198k ▲ 54.6%
Debt
€20k ▼ 14.6%
Debt's share of the balance-sheet total falls from 15.7% to 9.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2023 · €74k
Cash flow
€72k▲
2023 · €56k
Current ratio
10.54▲
2023 · 6.15
Debt to equity
0.10▼
2023 · 0.19
ROE
35.8%▼
2023 · 42.7%
ROA
32.4%▼
2023 · 36.0%
Interest coverage
34.28▼
2023 · 37.05
Debt ≤ 1 year
€20k▼
2023 · €24k
Income taxes
€20k▲
2023 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 36 lines
Balance sheet
Code20232024
Assets
Total assets20/58€152k€218k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€8€8=
Current assets29/58€147k€215k▲
Amounts receivable within one year40/41€18k€26k▲
Trade receivables40€18k€26k▲
Cash at bank and in hand54/58€126k€185k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€152k€218k▲
Equity10/15€128k€198k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€124k€194k▲
Amounts payable17/49€24k€20k▼
Amounts payable within one year42/48€24k€20k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€16k€17k▲
Taxes450/3€16k€17k▲
Other amounts payable47/48€4k€280▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€754▼
Gross operating margin9900€75k€96k▲
Operating profit (loss)9901€72k€94k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€70k€91k▲
Income taxes67/77€16k€20k▲
Profit (loss) for the period9904€54k€71k▲
Profit (loss) for the period to be appropriated9905€54k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€125k€194k▲
Profit (loss) brought forward from the previous period14P€70k€124k▲
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
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
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €198k ▲54.6%
3 profitable years in a row build equity to €198k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €54k ▼23.1%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €128k ▲72.4%
2 profitable years in a row build equity to €128k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2022
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.
Rue du Puits 531341 Ottignies-Louvain-la-NeuveGround area
1,089 m²
Building footprint
147 m²
Parcel 25016C0143/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BINIC
since 20222.326.403.260
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25016C0143/00G000 | Wallonia | 1,089 m² | 1 · 147 m² | - |
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.
Similar companies · same sector, comparable size
DR. VAN DEN BERGH LAURA
BE 0665.862.042
Lummen · Eq €197,582
VdK Medis
BE 0716.802.284
Brasschaat · Eq €197,648
Docteur Gaëtane TURINE
BE 0795.173.138
Assesse · Eq €197,653
DR. JORIS RÖTGENS-ENDOCRINOLOGIE
BE 0791.511.486
Kortrijk · Eq €197,367
REZAZADEH AFSHIN
BE 0896.166.865
Namur · Eq €197,750
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,735 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.