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BIPACO

Active
Private limited companyfounded 200125 yrs activeGeloeslaan(M) 12, 3630 Maasmechelen, BelgiumKBO/BCE: BE 0475.200.921
Summary

BIPACO has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €786,984 and a net result of €237,194. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 48% of 38840 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
BIPACOActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220NACE 74142
2 sites
Size
€1.5mtotal assets 2025
Equity
€786,984
Profit
€237,194
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts filed 20 d late0 of 3 deeds read
Why 94+ Size: total assets €1.5m+ Liquidity: current ratio 1.51, cash €446,508+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Figures for FY 2025 (filed 20-08-2026)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 54% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 79-9
equity 54.0% of total assets
Liquidity 80-2
short-term debt 23.0% · cash 30.6%
Profitability 89+10
return on assets 16.3%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,265 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▲ +3.4% vs 03-2025 05-2025: < 0.1%▲ +3.3% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%▲ +19.4% vs 06-2025 08-2025: 0.1%▲ +43.2% vs 07-2025highest value 09-2025: < 0.1%▼ -52.8% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%▲ +4.0% vs 02-2026 04-2026: < 0.1%▲ +3.8% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +14.8% vs 06-2026 08-2026: < 0.1%▲ +48.4% vs 07-2026 09-2026: < 0.1%▼ -34.8% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026
  • Size: total assets €1.5m lowers the probability for this profile
  • Liquidity: current ratio 1.51, cash €446,508 lowers the probability
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
  • Figures for FY 2025 (filed 20-08-2026) lowers the probability
Credit up to €70,000 at 30 days acceptable
Liquidity ample (current ratio 1.51 against 4.16 in 2024; short-term debt: 23% and cash: 30.6% of total assets), and 46% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 49%, liquidity 72%, profitability 59%, growth against the median 37%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Size: total assets €1.5m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.51, cash €446,508
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Figures for FY 2025 (filed 20-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 filings
Deviation from the deadline
2025
20 d late
2024
13 d late
2023
14 d late
2022
5 d early
2021
23 d late
2020
11 d late
2019
119 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 28 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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. Usually files around 15 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Board meeting · Power of attorneyPermanent representative · Other statement
  3. Highest result since 2018net €237,194 ▲139%

Key points

  • Positive: Result rose in 2025from €99,379 to €237,194 ▲ 139% View
  • Positive: Among the best 5% on net resultsector median €27,131 · 38,854 companies €237,194 View
  • Positive: 8 profitable years in a rowprofit 2025: €237,194 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.5m
Profit
€237,194
Solvency
54.0%
Total assets▲ 15.8%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 20-08-2026Annual accounts filed
  2. 14-07-2026Board meeting · Power of attorney
  3. 31-12-2025Highest result since 2018
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
25-07-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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