BIO AND CO
ActiveSummary
BIO AND CO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €4k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-8
Solvency92▲+11
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.17 against 2.44 in 2024; short-term debt: 11.9% and cash: 20% of total assets), and 32.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2025Solvency, return and age of the figures
Solvency
67.5%
Return on assets
2.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
9 d early
2023
19 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▼ 49.5%
2024 · €8k
2018: €13k
2019: €525
2020: €12k
2021: €10k
2022: €-4k
2023: €-108
2024: €8k
2018 → 2025
Working capital
€61k▲ 6.1%
2024 · €57k
2018: €127k
2019: €59k
2020: €69k
2021: €73k
2022: €66k
2023: €61k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€99k▼ 3.9%€99k▼ 0.1%€105k▲ 6.3%€109k▲ 4.0%
Operating result€12k-€-3k€221€9k▲ 3,828%€5k▼ 47.7%
Net result€10k-€-4k€-108▲ 97.3%€8k€4k▼ 49.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162k
Fixed assets
€82k ▼ 8.2%
Current assets
€80k ▼ 17.6%
Equity and liabilities €162k
Equity
€109k ▲ 4.0%
Debt
€53k ▼ 35.2%
Debt's share of the balance-sheet total falls from 43.6% to 32.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €15k
Cash flow
€12k▼
2024 · €14k
Current ratio
4.17▲
2024 · 2.44
Quick ratio
1.68▲
2024 · 1.27
Debt to equity
0.48▼
2024 · 0.77
ROE
3.8%▼
2024 · 7.9%
ROA
2.6%▼
2024 · 4.4%
Interest coverage
5.22▼
2024 · 11.23
Debt ≤ 1 year
€19k▼
2024 · €40k
Debt > 1 year
€33k▼
2024 · €41k
Income taxes
€29▼
2024 · €2k
Staff costs
€6▼
2024 · €6k
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 · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€186k€162k▼
Fixed assets21/28€89k€82k▼
Tangible fixed assets22/27€89k€82k▼
Land and buildings22€76k€72k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€11k€9k▼
Financial fixed assets28€125€125=
Current assets29/58€97k€80k▼
Stocks and contracts in progress3€47k€48k▲
Stocks30/36€47k€48k▲
Amounts receivable within one year40/41€19k-
Trade receivables40€18k-
Other amounts receivable41€753-
Cash at bank and in hand54/58€31k€32k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€186k€162k▼
Equity10/15€105k€109k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€37k€37k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€49k€54k▲
Amounts payable17/49€81k€53k▼
Amounts payable after more than one year17€41k€33k▼
Financial debts170/4€41k€33k▼
Amounts payable within one year42/48€40k€19k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€24k€8k▼
Suppliers440/4€24k€8k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€6k€59▼
Income statement
Code20242025
Remuneration, social security and pensions62€6k€6▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€25k€15k▼
Operating profit (loss)9901€9k€5k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€10k€4k▼
Income taxes67/77€2k€29▼
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€54k▼
Profit (loss) brought forward from the previous period14P€48k€49k▲
Transfer to equity691/2€5k-
To other reserves6921€5k-
Profit to be distributed694/7€2k-
Directors or managers695€2k-
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €105k ▲6.3%
Equity rises from €99k to €105k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-4k ▼142%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €103k ▲14.8%
4 profitable years in a row build equity to €103k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 56 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 61 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 92 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, Andenne · 1 establishment unit since 2010
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 Brun 265300 AndenneGround area
133 m²
Building footprint
98 m²
Parcel 92402G0208/00P005, Wallonia. Linked by address, not a title deed.
1 establishment unit
BIO AND CO
since 20102.184.711.796
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92402G0208/00P005 | Wallonia | 133 m² | 1 · 98 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAndenne2.184.711.796
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,618 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 (pre-2019)
Founded29-01-2010
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47559Retail sale of other household articles
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.