BIS BEHEER
ActiveBIS BEHEER has been active since 1970 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.78M and a net result of €-239k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 66% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-55
Solvency76▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €430k at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.45 in 2024; short-term debt: 12.9% and cash: 2% of total assets), and 48.8% 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○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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
51.2%
Return on assets
-1.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
2 d early
2023
on the day
2022
11 d early
2021
17 d early
2020
8 d early
2019
49 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€6.78M▼ 18.9%
2024 · €8.37M
2018: €1.68M
2019: €6.36M
2020: €9.58M
2021: €8.27M
2022: €8.17M
2023: €8.84M
2024: €8.37M
2018 → 2025
Total assets
€13.25M▼ 7.7%
2024 · €14.36M
2018: €8.39M
2019: €12.42M
2020: €11.12M
2021: €12.24M
2022: €13.67M
2023: €14.10M
2024: €14.36M
2018 → 2025
Net result
€-239k
2024 · €236k
2018: €321k
2019: €752k
2020: €3.22M
2021: €-59k
2022: €-101k
2023: €671k
2024: €236k
2018 → 2025
Working capital
€-139k▲ 78.1%
2024 · €-635k
2018: €-2.63M
2019: €-1.41M
2020: €4.02M
2021: €899k
2022: €38k
2023: €99k
2024: €-635k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8.27M-€8.17M▼ 1.2%€8.84M▲ 8.2%€8.37M▼ 5.4%€6.78M▼ 18.9%
Operating result€-55k-€-83k▼ 52.4%€171k€463k▲ 170%€-547k
Net result€-59k-€-101k▼ 69.4%€671k€236k▼ 64.8%€-239k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €547k after €463k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.25M
Fixed assets
€11.69M▼ 15.6%
Current assets
€1.57M▲ 206%
Equity and liabilities €13.25M
Equity
€6.78M▼ 18.9%
Provisions
€276k▼ 46.8%
Debt
€6.19M▲ 13.1%
The debt ratio rises from 38.1% to 46.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-117k▼
2024 · €837k
Cash flow
€192k▼
2024 · €611k
Solvency
51.2%▼
2024 · 58.3%
Current ratio
0.92▲
2024 · 0.45
Quick ratio
0.92▲
2024 · 0.40
Debt / equity
0.91▲
2024 · 0.65
ROE
-3.5%▼
2024 · 2.8%
ROA
-1.8%▼
2024 · 1.6%
Interest coverage
-0.98▼
2024 · 6.29
Debt
€6.19M▲
2024 · €5.48M
Debt ≤ 1 year
€1.71M▲
2024 · €1.15M
Debt > 1 year
€4.48M▲
2024 · €4.32M
Income taxes
€139k▲
2024 · €128k
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€14.36M€13.25M▼
Fixed assets21/28€13.85M€11.69M▼
Tangible fixed assets22/27€13.49M€11.17M▼
Land and buildings22€13.25M€10.99M▼
Plant, machinery and equipment23€59k€50k▼
Furniture and vehicles24€180k€135k▼
Other tangible fixed assets26€337-
Financial fixed assets28€365k€515k▲
Current assets29/58€512k€1.57M▲
Amounts receivable after more than one year29€25k€340k▲
Trade receivables290€25k€340k▲
Stocks and contracts in progress3€51k-
Stocks30/36€51k-
Amounts receivable within one year40/41€45k€253k▲
Trade receivables40€33k€2k▼
Other amounts receivable41€11k€251k▲
Current investments50/53-€700k
Cash at bank and in hand54/58€382k€263k▼
Deferred charges and accrued income490/1€10k€11k▲
Equity and liabilities
Total equity and liabilities10/49€14.36M€13.25M▼
Equity10/15€8.37M€6.78M▼
Contributions10/11€3.94M€3.94M=
Reserves13€4.43M€2.85M▼
Non-distributable reserves130/1€151k€151k=
Reserves not available under the articles1311€151k€151k=
Tax-exempt reserves132€1.56M€829k▼
Distributable reserves133€2.73M€1.87M▼
Provisions and deferred taxes16€519k€276k▼
Deferred taxes168€519k€276k▼
Amounts payable17/49€5.48M€6.19M▲
Amounts payable after more than one year17€4.32M€4.48M▲
Financial debts170/4€3.87M€3.54M▼
Other amounts payable178/9€446k€938k▲
Amounts payable within one year42/48€1.15M€1.71M▲
Current portion of amounts payable after more than one year42€329k€333k▲
Trade debts44€6k€12k▲
Suppliers440/4€6k€12k▲
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€138k€12k▼
Taxes450/3€138k€12k▼
Other amounts payable47/48€675k€1.35M▲
Accrued charges and deferred income492/3€8k€8k▼
Income statement
Code20242025
Non-recurring operating income76A€386k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€374k€431k▲
Other operating charges640/8€55k€54k▼
Non-recurring operating charges66A-€350k
Gross operating margin9900€892k€287k▼
Operating profit (loss)9901€463k€-547k▼
Financial income75/76B€3k€324k▲
Recurring financial income75€3k€324k▲
Financial charges65/66B€133k€120k▼
Recurring financial charges65€133k€120k▼
Profit (loss) for the period before taxes9903€333k€-343k▼
Transfer from deferred taxes780€32k€243k▲
Income taxes67/77€128k€139k▲
Profit (loss) for the period9904€236k€-239k▼
Transfer from tax-exempt reserves789€95k€730k▲
Profit (loss) for the period to be appropriated9905€331k€491k▲
Appropriation of the result
Profit (loss) to be appropriated9906€331k€491k▲
Transfer from equity791/2€711k€1.35M▲
Transfer to equity691/2€331k€491k▲
To other reserves6921€331k€491k▲
Profit to be distributed694/7€711k€1.35M▲
Return on contributions (dividend)694€711k€1.35M▲
The notes to these accounts (22 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
31-12
Financial
Weakest financial yearnet €-239k ▼201%
Net result drops to €-239k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €671k
Net result €671k after 2 loss-making years.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €3.22M ▲328%
Operating result €4.06M, net result €3.22M, both a record.
31-12
Financial
Liquidity times 58current ratio 32.91
Current ratio from 0.57 to 32.91; short-term debt falls from €3.26M to €126k.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 49 days late
2019
31-12
Financial
Equity above €5MEq €6.36M ▲280%
2 profitable years in a row build equity to €6.36M.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Knokke-Heist · 1 establishment unit since 1982
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.
Graaf Jansdijk 4278300 Knokke-HeistGround area
7,151 m²
Building footprint
183 m²
Parcel 31333K0793/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
BIS BEHEER
since 19822.021.210.477
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333K0793/00C000 | Flanders | 7,151 m² | 1 · 182 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,497 EUR awarded · 2,497 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 552 EUR | 552 EUR |
| 2024 | 1 | 531 EUR | 531 EUR |
| 2023 | 1 | 522 EUR | 522 EUR |
| 2022 | 1 | 892 EUR | 892 EUR |
Schemes
Subsidie beheer GBN
Similar companies · same sector, comparable size
PAC INVEST
BE 0661.921.961
Wavre · Eq €6.76M
AFIM
BE 0447.040.534
Charleroi · Eq €6.75M
UPGRADE ESTATE
BE 0840.066.124
Gent · Eq €6.82M
OLDWINE CAPITAL
BE 0553.512.187
Elsene · Eq €6.84M
BLI
BE 0400.867.643
Brasschaat · Eq €6.85M
Of 9,697 companies in sector 68121 we hold annual accounts for 7,382. 1,555 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-1970
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
01110Growing of cereals (except rice), leguminous crops and oil seeds
01130Growing of vegetables, melons, roots and tubers
55203Holiday cottages, homes and apartments
55209Other holiday and short-stay accommodation
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.