BISC
ActiveSummary
The computed 12-month bankruptcy probability of BISC is 1.9% (moderate). The 2025 annual accounts show equity of €11,074 and a net result of -€3,870. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 13484 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-40
Solvency90▼-10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.09 against 6.31 in 2024; short-term debt: 23.2% and cash: 2% of total assets), and 34.7% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Four 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.3%
Return on assets
-22.8%
Age of the figures
9 mo
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
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 filingsDeviation from the deadline
2025
20 d late
2024
7 d late
2023
21 d late
2022
26 d early
2021
30 d late
2020
30 d late
2019
39 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 17 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€11,074▼ 25.9%
2024 · €14,944
Total assets
€16,946▼ 3.1%
2024 · €17,483
Net result
-€3,870
2024 · €158
Working capital
€8,216▼ 23.0%
2024 · €10,673
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€14,576▲ 86.5%-€160€1,874€76▼ 95.9%-€3,879
Net result€14,093▲ 91.6%-€550€1,482€158▼ 89.3%-€3,870
Equity€13,854€13,304▼ 4.0%€14,786▲ 11.1%€14,944▲ 1.1%€11,074▼ 25.9%
Total assets€20,648▲ 11.4%€19,690▼ 4.6%€18,601▼ 5.5%€17,483▼ 6.0%€16,946▼ 3.1%
Debt€6,794▼ 63.8%€6,386▼ 6.0%€3,815▼ 40.3%€2,539▼ 33.4%€5,872▲ 131%
Working capital€12,772€11,919▼ 6.7%€11,349▼ 4.8%€10,673▼ 6.0%€8,216▼ 23.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3,879 after €76 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16,946
Fixed assets
€4,800 =
Current assets
€12,146 ▼ 4.2%
Equity and liabilities €16,946
Equity
€11,074 ▼ 25.9%
Debt
€5,872 ▲ 131%
Debt's share of the balance-sheet total rises from 14.5% to 34.7%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
3.09▼
2024 · 6.31
Quick ratio
2.29▼
2024 · 4.71
Debt to equity
0.53▲
2024 · 0.17
ROE
-34.9%▼
2024 · 1.1%
ROA
-22.8%▼
2024 · 0.9%
Debt ≤ 1 year
€3,930▲
2024 · €2,010
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,750 | €1,026 | - | - | - | - |
| Other operating charges640/8 | €165 | €191 | - | - | - | - |
| Gross operating margin9900 | €16,491 | €1,057 | €1,874 | €76 | -€3,879 | ▼ 5,204% |
| Operating profit (loss)9901 | €14,576 | -€160 | €1,874 | €76 | -€3,879 | ▼ 5,204% |
| Financial income75/76B | €6 | €159 | €326 | €661 | €441 | ▼ 33.3% |
| Recurring financial income75 | €6 | €159 | €326 | €661 | €441 | ▼ 33.3% |
| Financial charges65/66B | €489 | €549 | €718 | €579 | €432 | ▼ 25.4% |
| Recurring financial charges65 | €489 | €549 | €718 | €579 | €432 | ▼ 25.4% |
| Profit (loss) for the period before taxes9903 | €14,093 | -€550 | €1,482 | €158 | -€3,870 | ▼ 2,549% |
| Profit (loss) for the period9904 | €14,093 | -€550 | €1,482 | €158 | -€3,870 | ▼ 2,549% |
| Profit (loss) for the period to be appropriated9905 | €14,093 | -€550 | €1,482 | €158 | -€3,870 | ▼ 2,549% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €20,648 | €19,690 | €18,601 | €17,483 | €16,946 | ▼ 3.1% |
| Fixed assets21/28 | €5,826 | €4,800 | €4,800 | €4,800 | €4,800 | = |
| Intangible fixed assets21 | €1,026 | - | - | - | - | - |
| Financial fixed assets28 | €4,800 | €4,800 | €4,800 | €4,800 | €4,800 | = |
| Current assets29/58 | €14,822 | €14,890 | €13,801 | €12,683 | €12,146 | ▼ 4.2% |
| Stocks and contracts in progress3 | - | - | €2,966 | €3,222 | €3,137 | ▼ 2.6% |
| Stocks30/36 | - | - | €2,966 | €3,222 | €3,137 | ▼ 2.6% |
| Amounts receivable within one year40/41 | €1,260 | €4,734 | €7,600 | €7,672 | €8,669 | ▲ 13.0% |
| Trade receivables40 | €1,260 | - | - | - | - | - |
| Other amounts receivable41 | - | €4,734 | €7,600 | €7,672 | €8,669 | ▲ 13.0% |
| Cash at bank and in hand54/58 | €13,562 | €10,156 | €3,235 | €1,789 | €340 | ▼ 81.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €20,648 | €19,690 | €18,601 | €17,483 | €16,946 | ▼ 3.1% |
| Equity10/15 | €13,854 | €13,304 | €14,786 | €14,944 | €11,074 | ▼ 25.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€6,606 | -€7,156 | -€5,674 | -€5,516 | -€9,386 | ▼ 70.2% |
| Amounts payable17/49 | €6,794 | €6,386 | €3,815 | €2,539 | €5,872 | ▲ 131% |
| Amounts payable within one year42/48 | €2,050 | €2,971 | €2,452 | €2,010 | €3,930 | ▲ 95.5% |
| Trade debts44 | €540 | €1,334 | €1,274 | €661 | €3,123 | ▲ 372% |
| Suppliers440/4 | €540 | €1,334 | €1,274 | €661 | €3,123 | ▲ 372% |
| Taxes, remuneration and social security45 | €3 | €1,637 | €1,178 | €1,349 | €807 | ▼ 40.2% |
| Taxes450/3 | €3 | €1,637 | €1,178 | €1,349 | €807 | ▼ 40.2% |
| Other amounts payable47/48 | €1,507 | - | - | - | - | - |
| Accrued charges and deferred income492/3 | €4,744 | €3,415 | €1,363 | €529 | €1,942 | ▲ 267% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,093 | -€550 | €1,482 | €158 | -€3,870 | ▼ 2,549% |
| + Depreciation and write-downs630 | €1,750 | €1,026 | - | - | - | - |
| Operating cash flow (approximation) | €15,843 | €476 | €1,482 | €158 | -€3,870 | ▼ 2,549% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€3,406 | -€6,921 | -€1,446 | -€1,449 | ▼ 0.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Back to profitnet €1,482
Net result €1,482 after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity times 11current ratio 7.23
Current ratio from 0.67 to 7.23; short-term debt falls from €16,424 to €2,050.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €7,355
Net result €7,355 after one loss-making year.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 39 days late
2019
31-12
Financial
Weakest financial yearnet -€18,160
Net result drops to -€18,160, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
11-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 254 days late
11-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 619 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Leuven · 1 establishment unit since 2012
Ground area
79 m²
Building footprint
54 m²
Volume, LiDAR
590 m³
Parcel 24434F0118/00N004, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
La piccola pergola
since 20122.211.720.655
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24434F0118/00N004 | Flanders | 79 m² | 1 · 54 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 siteLeuven2.211.720.655
Similar companies · same sector, comparable size
PAV DELCO
BE 0663.707.751
Oudergem · Eq €11,073
LE BIENVENU
BE 0845.383.209
Flémalle · Eq €11,080
Maribell
BE 0809.958.413
Hooglede · Eq €11,081
LEIS RS
BE 0728.477.522
Blankenberge · Eq €11,084
DE HOEVE +
BE 1006.670.057
Lanaken · Eq €11,059
Of 20,506 companies in sector 56111 we hold annual accounts for 11,451. 7,367 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-08-2012
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Contact
E-mail
mino.diceglie@hotmail.comLeuven
Phone
0487/21.18.59Leuven
Scores and ratios are computed by Checked and are not a credit decision.