BISELLE
ActiveBISELLE has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €189k and a net result of €149k. Equity is growing by ~32.2% per year across the filed fiscal years. Its solvency ranks better than 85% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+29
Solvency100▲+36
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 11.26 against 0.31 in 2023; short-term debt: 8.5% and cash: 77.4% of total assets), and 8.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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 2024Solvency, return and age of the figures
Solvency
91.5%
Return on assets
72.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
31 d late
2022
31 d late
2021
16 d late
2020
28 d late
2019
55 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€189k▲ 92.2%
2023 · €98k
2018: €32k
2019: €39k
2020: €54k
2021: €84k
2022: €94k
2023: €98k
2018 → 2024
Total assets
€206k▼ 18.4%
2023 · €253k
2018: €300k
2019: €327k
2020: €301k
2021: €283k
2022: €265k
2023: €253k
2018 → 2024
Net result
€149k▲ 3,032%
2023 · €5k
2018: €15k
2019: €7k
2020: €16k
2021: €31k
2022: €11k
2023: €5k
2018 → 2024
Working capital
€180k
2023 · €-29k
2018: €-58k
2019: €-55k
2020: €-62k
2021: €-57k
2022: €-31k
2023: €-29k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€54k-€84k▲ 55.1%€94k▲ 12.7%€98k▲ 4.2%€189k▲ 92.2%
Operating result€32k-€48k▲ 52.6%€21k▼ 57.6%€12k▼ 43.2%€200k▲ 1,611%
Net result€16k-€31k▲ 90.1%€11k▼ 62.6%€5k▼ 58.3%€149k▲ 3,032%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 1,611% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €206k
Fixed assets
€9k▼ 96.3%
Current assets
€198k▲ 1,414%
Equity and liabilities €206k
Equity
€189k▲ 92.2%
Debt
€18k▼ 88.7%
The debt ratio falls from 61.2% to 8.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€201k▲
2023 · €32k
Cash flow
€150k▲
2023 · €25k
Solvency
91.5%▲
2023 · 38.8%
Current ratio
11.26▲
2023 · 0.31
Quick ratio
11.26▲
2023 · 0.31
Debt / equity
0.09▼
2023 · 1.57
ROE
79.1%▲
2023 · 4.9%
ROA
72.4%▲
2023 · 1.9%
Interest coverage
72.09▲
2023 · 12.00
Debt
€18k▼
2023 · €155k
Debt ≤ 1 year
€18k▼
2023 · €42k
Income taxes
€48k▲
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€253k€206k▼
Fixed assets21/28€240k€9k▼
Tangible fixed assets22/27€240k€7k▼
Land and buildings22€235k-
Plant, machinery and equipment23€1k-
Furniture and vehicles24€3k€7k▲
Financial fixed assets28€250€2k▲
Current assets29/58€13k€198k▲
Amounts receivable within one year40/41€11k€34k▲
Trade receivables40€1k€14k▲
Other amounts receivable41€10k€20k▲
Current investments50/53-€2k
Cash at bank and in hand54/58€727€160k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€253k€206k▼
Equity10/15€98k€189k▲
Contributions10/11€19k€19k=
Reserves13€80k€170k▲
Distributable reserves133€80k€170k▲
Amounts payable17/49€155k€18k▼
Amounts payable after more than one year17€113k-
Financial debts170/4€113k-
Amounts payable within one year42/48€42k€18k▼
Current portion of amounts payable after more than one year42€18k-
Financial debts43€4k€6k▲
Credit institutions430/8€4k€6k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€1k€8k▲
Taxes450/3€1k€8k▲
Other amounts payable47/48€16k€859▼
Accrued charges and deferred income492/3€146-
Income statement
Code20232024
Non-recurring operating income76A-€206k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€743▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€500
Other operating charges640/8€2k€4k▲
Gross operating margin9900€34k€205k▲
Operating profit (loss)9901€12k€200k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€9k€197k▲
Income taxes67/77€4k€48k▲
Profit (loss) for the period9904€5k€149k▲
Profit (loss) for the period to be appropriated9905€5k€149k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€149k▲
Transfer from equity791/2-€58k
Transfer to equity691/2€4k€149k▲
To other reserves6921€4k€149k▲
Profit to be distributed694/7€833€59k▲
Return on contributions (dividend)694€833€59k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €149k ▲3032%
Operating result €200k, net result €149k, both a record.
31-12
Financial
Liquidity times 36current ratio 11.26
Current ratio from 0.31 to 11.26; short-term debt falls from €42k to €18k.
31-12
Financial
Equity above €150kEq €189k ▲92.2%
7 profitable years in a row build equity to €189k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €5k ▼58.3%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
Financial milestoneNBB 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, Waasmunster · 3 establishment units since 2016
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.
Nijverheidslaan 379250 WaasmunsterGround area
4,039 m²
Building footprint
864 m²
Volume, LiDAR
7,796 m³
3 parcels, Flanders · tallest building 24.0 m, ±6 floors. Linked by address, not a title deed.
3 establishment units
BISELLE
since 20162.253.203.595
Biselle Antwerpen
since 20242.359.410.083
Biselle Laarne
since 20242.359.410.182
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023B0864/00H000 | Flanders | 2,958 m² | 1 · 388 m² | 24.0 m · 3 fl. |
| 42010C1070/00M000 | Flanders | 742 m² | 1 · 264 m² | 6.0 m · 1 fl. |
| 11810K2740/00Y002 | Flanders | 339 m² | 1 · 212 m² | 20.2 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
2024 to 2025 · 2 entries · 14,925 EUR awarded · 14,925 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7,425 EUR | 7,425 EUR |
| 2024 | 1 | 7,500 EUR | 7,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,524 companies in sector 86931 we hold annual accounts for 550. 364 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2016
Fiscal year end31-12
Activities, NACEBEL
86904Human health activities
86931Psychology services
70200Business and other management consultancy
70220Business consulting
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.