BIS GROUP
ActiveBIS GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €7.48M and a net result of €177k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 5487 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
94 d early
2023
7 d early
2022
13 d early
2021
61 d early
2020
18 d early
2019
42 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€7.48M▼ 0.3%
2024 · €7.50M
2018: €194k
2019: €541k
2020: €2.10M
2021: €3.21M
2022: €6.77M
2023: €7.03M
2024: €7.50M
2018 → 2025
Net result
€177k▼ 80.4%
2024 · €903k
2018: €94k
2019: €348k
2020: €190k
2021: €1.91M
2022: €3.56M
2023: €264k
2024: €903k
2018 → 2025
Total assets
€10.18M▲ 17.8%
2024 · €8.64M
2018: €540k
2019: €796k
2020: €4.32M
2021: €6.70M
2022: €8.47M
2023: €8.56M
2024: €8.64M
2018 → 2025
Solvency
73.5%▼ 13.4pp
2024 · 86.8%
2018: 35.9%
2019: 68.0%
2020: 48.6%
2021: 47.9%
2022: 79.9%
2023: 82.2%
2024: 86.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.21M-€6.77M▲ 111%€7.03M▲ 3.9%€7.50M▲ 6.7%€7.48M▼ 0.3%
Operating result€-128k-€236k€-140k€346k€-509k
Net result€1.91M-€3.56M▲ 85.7%€264k▼ 92.6%€903k▲ 243%€177k▼ 80.4%
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 €509k after €346k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.18M
Fixed assets
€5.55M▲ 38.1%
Current assets
€4.63M▲ 0.1%
Equity and liabilities €10.18M
Equity
€7.48M▼ 0.3%
Debt
€2.70M▲ 137%
The debt ratio rises from 13.2% to 26.5%: debt grows while equity shrinks.
Key figures and ratios
Solvency
73.5%▼
2024 · 86.8%
ROE
2.4%▼
2024 · 12.0%
ROA
1.7%▼
2024 · 10.5%
Debt
€2.70M▲
2024 · €1.14M
Debt ≤ 1 year
€1.59M▲
2024 · €482k
Debt > 1 year
€1.11M▲
2024 · €656k
Income taxes
€20k▼
2024 · €90k
Staff costs
€189k▲
2024 · €165k
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€8.64M€10.18M▲
Fixed assets21/28€4.02M€5.55M▲
Tangible fixed assets22/27€128k€1.63M▲
Land and buildings22€128k€1.63M▲
Furniture and vehicles24-€5k
Financial fixed assets28€3.89M€3.92M▲
Current assets29/58€4.63M€4.63M▲
Amounts receivable after more than one year29€4.21M€4.30M▲
Other amounts receivable291€4.21M€4.30M▲
Stocks and contracts in progress3-€180k
Stocks30/36-€180k
Amounts receivable within one year40/41€41k€99k▲
Trade receivables40€31k€6k▼
Other amounts receivable41€10k€93k▲
Cash at bank and in hand54/58€373k€43k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€8.64M€10.18M▲
Equity10/15€7.50M€7.48M▼
Contributions10/11€1.47M€1.47M=
Reserves13€6.04M€6.01M▼
Distributable reserves133€6.04M€6.01M▼
Amounts payable17/49€1.14M€2.70M▲
Amounts payable after more than one year17€656k€1.11M▲
Other amounts payable178/9€656k€1.11M▲
Amounts payable within one year42/48€482k€1.59M▲
Financial debts43-€1.20M
Credit institutions430/8-€1.20M
Trade debts44€98k€129k▲
Suppliers440/4€98k€129k▲
Taxes, remuneration and social security45€59k€81k▲
Taxes450/3€34k€52k▲
Remuneration and social security454/9€25k€29k▲
Other amounts payable47/48€326k€180k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€165k€189k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€188k▲
Other operating charges640/8€329€1k▲
Gross operating margin9900€514k€-131k▼
Operating profit (loss)9901€346k€-509k▼
Financial income75/76B€714k€760k▲
Recurring financial income75€714k€760k▲
Financial charges65/66B€66k€54k▼
Recurring financial charges65€66k€54k▼
Profit (loss) for the period before taxes9903€994k€198k▼
Income taxes67/77€90k€20k▼
Profit (loss) for the period9904€903k€177k▼
Profit (loss) for the period to be appropriated9905€903k€177k▼
Appropriation of the result
Profit (loss) to be appropriated9906€903k€177k▼
Transfer from equity791/2€431k€190k▼
Transfer to equity691/2€903k€164k▼
To other reserves6921€903k€164k▼
Profit to be distributed694/7€431k€203k▼
Return on contributions (dividend)694€431k€190k▼
Employees696-€14k
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (14 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
11-08
State Gazette act
General meeting · Statutes amendment
Director reappointment · Permanent representative
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 60.41
Current ratio from 19.60 to 60.41; short-term debt falls from €249k to €76k.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €3.56M ▲85.7%
Net result €3.56M, the highest in the series.
31-12
Financial
Liquidity times 6current ratio 19.60
Current ratio from 3.38 to 19.60; short-term debt falls from €921k to €249k.
31-12
Financial
Equity above €5MEq €6.77M ▲111%
5 profitable years in a row build equity to €6.77M.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €2MEq €2.10M ▲288%
3 profitable years in a row build equity to €2.10M.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €541k ▲179%
2 profitable years in a row build equity to €541k.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 2018
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.
Kustlaan 2618300 Knokke-HeistGround area
125 m²
Building footprint
125 m²
Volume, LiDAR
2,439 m³
Parcel 31332E0077/00_000, Flanders · tallest building 26.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
dvlp.
since 20182.274.302.580
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332E0077/00_000 | Flanders | 125 m² | 1 · 125 m² | 26.3 m · 7 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.
Structure & network
Ownership & control
1 partyBIS GROUPBE 0688.989.218
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 24,641 companies in sector 64210 we hold annual accounts for 19,693. 6,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.