BINOR
ActiveBINOR has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €549k and a net result of €235k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 69% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 5.16 against 3.39 in 2023), and 22.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
77.4%
Return on assets
33.1%
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 23-09-2025, 54 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
not confirmed
2024
54 d late
2023
61 d late
2022
50 d late
2021
72 d late
2020
89 d late
2019
116 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€235k▲ 54.6%
2023 · €152k
2018: €68k
2019: €60k
2020: €41k
2021: €49k
2022: €46k
2023: €152k
2018 → 2024
Working capital
€510k▲ 70.4%
2023 · €299k
2018: €272k
2019: €279k
2020: €285k
2021: €287k
2022: €262k
2023: €299k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€363k-€363k=€344k▼ 5.4%€374k▲ 8.7%€549k▲ 46.8%
Operating result€59k-€63k▲ 8.3%€66k▲ 3.8%€216k▲ 228%€260k▲ 20.5%
Net result€41k-€49k▲ 18.8%€46k▼ 7.0%€152k▲ 234%€235k▲ 54.6%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 21% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €709k
Fixed assets
€76k▲ 2.2%
Current assets
€633k▲ 49.1%
Equity and liabilities €709k
Equity
€549k▲ 46.8%
Debt
€160k▲ 28.1%
The debt ratio falls from 25.1% to 22.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€282k▲
2023 · €228k
Cash flow
€256k▲
2023 · €164k
Solvency
77.4%▲
2023 · 74.9%
Current ratio
5.16▲
2023 · 3.39
Quick ratio
5.16▲
2023 · 3.39
Debt / equity
0.29▼
2023 · 0.33
ROE
42.8%▲
2023 · 40.7%
ROA
33.1%▲
2023 · 30.5%
Interest coverage
86.07▼
2023 · 97.75
Debt
€160k▲
2023 · €125k
Debt ≤ 1 year
€123k▼
2023 · €125k
Debt > 1 year
€37k
Income taxes
€112k▲
2023 · €65k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€499k€709k▲
Fixed assets21/28€74k€76k▲
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€26k€75k▲
Land and buildings22€5k€5k=
Furniture and vehicles24€13k€63k▲
Other tangible fixed assets26€9k€6k▼
Financial fixed assets28€46k€56▼
Current assets29/58€424k€633k▲
Amounts receivable after more than one year29€127k-
Other amounts receivable291€127k-
Amounts receivable within one year40/41€170k€104k▼
Trade receivables40€5k€3k▼
Other amounts receivable41€165k€101k▼
Current investments50/53€45k-
Cash at bank and in hand54/58€79k€522k▲
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€499k€709k▲
Equity10/15€374k€549k▲
Contributions10/11€9k€9k=
Reserves13€338k€508k▲
Distributable reserves133€338k€508k▲
Profit (loss) carried forward14€27k€32k▲
Amounts payable17/49€125k€160k▲
Amounts payable after more than one year17-€37k
Financial debts170/4-€37k
Amounts payable within one year42/48€125k€123k▼
Current portion of amounts payable after more than one year42€2k€14k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€71k€105k▲
Taxes450/3€71k€105k▲
Other amounts payable47/48€50k-
Income statement
Code20232024
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€21k▲
Other operating charges640/8€5k€9k▲
Non-recurring operating charges66A€299-
Gross operating margin9900€233k€290k▲
Operating profit (loss)9901€216k€260k▲
Financial income75/76B€3k€90k▲
Recurring financial income75€3k€3k▲
Non-recurring financial income76B-€86k
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€217k€347k▲
Income taxes67/77€65k€112k▲
Profit (loss) for the period9904€152k€235k▲
Profit (loss) for the period to be appropriated9905€152k€235k▲
Appropriation of the result
Profit (loss) to be appropriated9906€219k€262k▲
Profit (loss) brought forward from the previous period14P€67k€27k▼
Transfer from equity791/2€30k€60k▲
Transfer to equity691/2€100k€230k▲
To other reserves6921€100k€230k▲
Profit to be distributed694/7€122k€60k▼
Return on contributions (dividend)694€122k€60k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Highest result since 2018net €235k ▲54.6%
Operating result €260k, net result €235k, both a record.
31-12
Financial
Equity above €500kEq €549k ▲46.8%
7 profitable years in a row build equity to €549k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
19-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 50 days late
2022
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 72 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
31-12
Financial
Weakest financial yearnet €41k ▼31.4%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 116 days late
2019
05-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 66 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 57 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 59 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 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, Ramillies · 1 establishment unit since 2004
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 d'Albroux 30A1367 RamilliesGround area
1,265 m²
Building footprint
176 m²
Volume, LiDAR
1,066 m³
Parcel 25036B0584/00F002, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BINOR
since 20042.136.771.527
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25036B0584/00F002 | Wallonia | 1,265 m² | 1 · 176 m² | 8.0 m · 2 fl. |
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
KRIBEROKA
BE 0829.238.152
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FREPPLE
BE 0825.006.774
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COS&T
BE 0784.650.024
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SKAPA
BE 0890.728.333
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DW-IT Services
BE 0885.900.703
Rumst · Eq €550k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 11,529 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2004
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
58290Other software publishing
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72210
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.