Bink en Zonen
ActiveBink en Zonen has been active since 1947 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €364k and a net result of €980. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 63% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▲+5
Solvency83▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 2.47 in 2024; short-term debt: 39.4% and cash: 10.6% of total assets), and 41.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
58.4%
Return on assets
0.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 10 filingsDeviation from the deadline
2025
19 d late
2024
8 d early
2023
6 d early
2022
16 d late
2021
12 d late
2020
1 d early
2019
8 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€364k▲ 0.3%
2024 · €363k
2018: €315k
2019: €324k
2020: €322k
2021: €329k
2022: €353k
2023: €358k
2024: €363k
2018 → 2025
Total assets
€623k▲ 3.9%
2024 · €599k
2018: €558k
2019: €568k
2020: €541k
2021: €609k
2022: €595k
2023: €614k
2024: €599k
2018 → 2025
Net result
€980▼ 80.4%
2024 · €5k
2018: €12k
2019: €8k
2020: €-2k
2021: €7k
2022: €24k
2023: €5k
2024: €5k
2018 → 2025
Working capital
€337k▼ 0.8%
2024 · €340k
2018: €305k
2019: €312k
2020: €308k
2021: €303k
2022: €321k
2023: €324k
2024: €340k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€329k-€353k▲ 7.3%€358k▲ 1.4%€363k▲ 1.4%€364k▲ 0.3%
Operating result€10k-€37k▲ 267%€13k▼ 63.5%€14k▲ 7.1%€7k▼ 50.6%
Net result€7k-€24k▲ 248%€5k▼ 79.6%€5k▲ 2.1%€980▼ 80.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €623k
Fixed assets
€40k▲ 47.5%
Current assets
€583k▲ 1.8%
Equity and liabilities €623k
Equity
€364k▲ 0.3%
Debt
€259k▲ 9.5%
The debt ratio rises from 39.5% to 41.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €23k
Cash flow
€15k▲
2024 · €14k
Solvency
58.4%▼
2024 · 60.5%
Current ratio
2.38▼
2024 · 2.47
Quick ratio
1.91▼
2024 · 2.01
Debt / equity
0.71▲
2024 · 0.65
ROE
0.3%▼
2024 · 1.4%
ROA
0.2%▼
2024 · 0.8%
Interest coverage
2.27▲
2024 · 1.62
Debt
€259k▲
2024 · €237k
Debt ≤ 1 year
€245k▲
2024 · €232k
Debt > 1 year
€11k▲
2024 · €0
Income taxes
€6k▲
2024 · €3k
Staff costs
€117k▲
2024 · €111k
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€599k€623k▲
Fixed assets21/28€27k€40k▲
Intangible fixed assets21€15k€7k▼
Tangible fixed assets22/27€2k€23k▲
Furniture and vehicles24€2k€925▼
Leasing and similar rights25-€22k
Financial fixed assets28€10k€10k=
Current assets29/58€572k€583k▲
Amounts receivable after more than one year29€60k€60k=
Other amounts receivable291€60k€60k=
Stocks and contracts in progress3€107k€114k▲
Stocks30/36€107k€114k▲
Amounts receivable within one year40/41€370k€336k▼
Trade receivables40€368k€336k▼
Other amounts receivable41€2k€562▼
Cash at bank and in hand54/58€31k€66k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€599k€623k▲
Equity10/15€363k€364k▲
Contributions10/11€139k€139k=
Reserves13€219k€219k=
Distributable reserves133€219k€219k=
Profit (loss) carried forward14€5k€6k▲
Amounts payable17/49€237k€259k▲
Amounts payable after more than one year17€0€11k▲
Financial debts170/4€0€11k▲
Amounts payable within one year42/48€232k€245k▲
Current portion of amounts payable after more than one year42€2k€12k▲
Financial debts43€152k€147k▼
Credit institutions430/8€152k€147k▼
Trade debts44€42k€44k▲
Suppliers440/4€42k€44k▲
Taxes, remuneration and social security45€23k€30k▲
Taxes450/3€5k€9k▲
Remuneration and social security454/9€18k€21k▲
Other amounts payable47/48€13k€12k▼
Accrued charges and deferred income492/3€5k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€111k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€14k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€19k
Gross operating margin9900€137k€160k▲
Operating profit (loss)9901€14k€7k▼
Financial income75/76B€8k€10k▲
Recurring financial income75€8k€10k▲
Financial charges65/66B€14k€9k▼
Recurring financial charges65€14k€9k▼
Profit (loss) for the period before taxes9903€8k€7k▼
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€5k€980▼
Profit (loss) for the period to be appropriated9905€5k€980▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€6k▲
Profit (loss) brought forward from the previous period14P-€5k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (17 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Highest result since 2018net €24k ▲248%
Operating result €37k, net result €24k, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-2k ▼123%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Niklaas · 1 establishment unit since 1992
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.
Burrelstraat 39100 Sint-NiklaasGround area
3,509 m²
Building footprint
168 m²
Volume, LiDAR
945 m³
Parcel 46444D0473/00A000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BINK
since 19922.002.964.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46444D0473/00A000indicative | Flanders | 3,509 m² | 1 · 168 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
2022 to 2024 · 3 entries · 411 EUR awarded · 411 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 135 EUR | 135 EUR |
| 2023 | 1 | 0 EUR | 276 EUR |
| 2022 | 1 | 276 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 31 companies in sector 46240 we hold annual accounts for 23. 18 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1947
Fiscal year end31-12
Activities, NACEBEL
46240Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.