BISETTI
ActiveSummary
BISETTI has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€79,644) and a net result of €4,191. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 11% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability60▲+8
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.02 against 0.01 in 2024; short-term debt: 116.8% and cash: 0.6% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
-64.9%
Return on assets
3.4%
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 18606 sector peers (2025).
NBB · sector comparisonPosition among 18606 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
38 d early
2023
20 d late
2022
14 d early
2021
29 d late
2020
25 d late
2019
31 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 9 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 12 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 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 check 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 Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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
Turnover
€296
EBIT margin
-1057.8%
Net result
€4,191▲ 61.4%
2024 · €2,596
Working capital
-€141,021▲ 1.6%
2024 · -€143,311
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€296
Operating result-€66-€3,131▼ 4,609%€5,434€6,200▲ 14.1%€7,481▲ 20.7%
Net result-€4,677below the sector's middle half▼ 75.5%-€7,425below the sector's middle half▼ 58.8%€1,415within the sector's middle half€2,596within the sector's middle half▲ 83.5%€4,191within the sector's middle half▲ 61.4%
EBIT margin-1057.8%
Equity-€80,420below the sector's middle half▼ 6.2%-€87,846below the sector's middle half▼ 9.2%-€86,431below the sector's middle half▲ 1.6%-€83,835below the sector's middle half▲ 3.0%-€79,644below the sector's middle half▲ 5.0%
Total assets€151,172within the sector's middle half▼ 8.3%€146,307within the sector's middle half▼ 3.2%€136,527within the sector's middle half▼ 6.7%€129,274within the sector's middle half▼ 5.3%€122,761within the sector's middle half▼ 5.0%
Debt€231,593▼ 3.7%€234,153▲ 1.1%€222,958▼ 4.8%€213,109▼ 4.4%€202,405▼ 5.0%
Working capital-€137,319below the sector's middle half▼ 3.0%-€136,753below the sector's middle half▲ 0.4%-€144,387below the sector's middle half▼ 5.6%-€143,311below the sector's middle half▲ 0.7%-€141,021below the sector's middle half▲ 1.6%
Solvency-53.2%below the sector's middle half▼ 7.2pp-60.0%below the sector's middle half▼ 6.8pp-63.3%below the sector's middle half▼ 3.3pp-64.9%below the sector's middle half▼ 1.5pp-64.9%below the sector's middle half=
Current ratio0.01below the sector's middle half▼ 0.040.03below the sector's middle half▲ 0.020.01below the sector's middle half▼ 0.020.01below the sector's middle half=0.02below the sector's middle half▲ 0.01
Return on assets (ROA)-3.1%below the sector's middle half▼ 1.5pp-5.1%below the sector's middle half▼ 2.0pp1.0%within the sector's middle half▲ 6.1pp2.0%within the sector's middle half▲ 1.0pp3.4%within the sector's middle half▲ 1.4pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122,761
Fixed assets
€120,420 ▼ 5.7%
Current assets
€2,341 ▲ 48.0%
Key figures and ratios
EBITDA
€14,754▲
2024 · €13,473
Cash flow
€11,464▲
2024 · €9,869
Quick ratio
0.01▲
2024 · 0.01
Debt to equity
-2.54=
2024 · -2.54
Interest coverage
4.48▲
2024 · 3.74
Debt ≤ 1 year
€143,362▼
2024 · €144,892
Debt > 1 year
€59,043▼
2024 · €68,217
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,381 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.1%
stopped otherwise
94%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,381 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | €296 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,385 | €7,991 | €7,444 | €7,273 | €7,273 | = |
| Other operating charges640/8 | €1,363 | €1,853 | €1,574 | €1,623 | €1,623 | = |
| Gross operating margin9900 | €9,681 | €6,713 | €14,453 | €15,096 | €16,377 | ▲ 8.5% |
| Operating profit (loss)9901 | -€66 | -€3,131 | €5,434 | €6,200 | €7,481 | ▲ 20.7% |
| Financial charges65/66B | €4,610 | €4,294 | €4,020 | €3,604 | €3,290 | ▼ 8.7% |
| Recurring financial charges65 | €4,610 | €4,294 | €4,020 | €3,604 | €3,290 | ▼ 8.7% |
| Profit (loss) for the period before taxes9903 | -€4,677 | -€7,425 | €1,415 | €2,596 | €4,191 | ▲ 61.4% |
| Profit (loss) for the period9904 | -€4,677 | -€7,425 | €1,415 | €2,596 | €4,191 | ▲ 61.4% |
| Profit (loss) for the period to be appropriated9905 | -€4,677 | -€7,425 | €1,415 | €2,596 | €4,191 | ▲ 61.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €151,172 | €146,307 | €136,527 | €129,274 | €122,761 | ▼ 5.0% |
| Fixed assets21/28 | €150,401 | €142,410 | €134,966 | €127,693 | €120,420 | ▼ 5.7% |
| Tangible fixed assets22/27 | €150,401 | €142,410 | €134,966 | €127,693 | €120,420 | ▼ 5.7% |
| Land and buildings22 | €150,401 | €142,410 | €134,966 | €127,693 | €120,420 | ▼ 5.7% |
| Current assets29/58 | €771 | €3,897 | €1,561 | €1,581 | €2,341 | ▲ 48.0% |
| Stocks and contracts in progress3 | €486 | €486 | €429 | €429 | €429 | = |
| Stocks30/36 | €486 | €486 | €429 | €429 | €429 | = |
| Amounts receivable within one year40/41 | €112 | €42 | €930 | €889 | €1,122 | ▲ 26.2% |
| Trade receivables40 | €0 | €42 | €930 | €841 | €1,069 | ▲ 27.0% |
| Other amounts receivable41 | €112 | €0 | - | €47 | €53 | ▲ 11.7% |
| Cash at bank and in hand54/58 | €109 | €3,298 | €126 | €264 | €791 | ▲ 199% |
| Deferred charges and accrued income490/1 | €65 | €72 | €76 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €151,172 | €146,307 | €136,527 | €129,274 | €122,761 | ▼ 5.0% |
| Equity10/15 | -€80,420 | -€87,846 | -€86,431 | -€83,835 | -€79,644 | ▲ 5.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€99,020 | -€106,446 | -€105,031 | -€102,435 | -€98,244 | ▲ 4.1% |
| Amounts payable17/49 | €231,593 | €234,153 | €222,958 | €213,109 | €202,405 | ▼ 5.0% |
| Amounts payable after more than one year17 | €93,503 | €93,503 | €77,010 | €68,217 | €59,043 | ▼ 13.4% |
| Financial debts170/4 | €93,503 | €93,503 | €77,010 | €68,217 | €59,043 | ▼ 13.4% |
| Amounts payable within one year42/48 | €138,090 | €140,650 | €145,948 | €144,892 | €143,362 | ▼ 1.1% |
| Current portion of amounts payable after more than one year42 | €7,740 | €0 | €8,417 | €8,793 | €9,174 | ▲ 4.3% |
| Trade debts44 | €990 | €510 | €203 | - | €48 | - |
| Suppliers440/4 | €990 | €510 | €203 | - | €48 | - |
| Taxes, remuneration and social security45 | €0 | €197 | €1 | - | - | - |
| Taxes450/3 | €0 | €197 | €1 | - | - | - |
| Other amounts payable47/48 | €129,359 | €139,943 | €137,328 | €136,100 | €134,140 | ▼ 1.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,677 | -€7,425 | €1,415 | €2,596 | €4,191 | ▲ 61.4% |
| + Depreciation and write-downs630 | €8,385 | €7,991 | €7,444 | €7,273 | €7,273 | = |
| Operating cash flow (approximation) | €3,708 | €566 | €8,859 | €9,869 | €11,464 | ▲ 16.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €3,189 | -€3,172 | €138 | €527 | ▲ 282% |
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Highest result since 2018net €4,191 ▲61.4%
Operating result €7,481, net result €4,191, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Back to profitnet €1,415
Net result €1,415 after 5 loss-making years.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 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, Hannut · 1 establishment unit since 2012
Ground area
102 m²
Parcel 64034B0679/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BISETTI
since 20122.211.124.106
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034B0679/00D000indicative | Wallonia | 102 m² | - | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
KATIMINI
BE 0645.658.823
Hannut
Le Brummel
BE 0643.654.881
Hannut
Olika Clothes
BE 1037.080.052
Hannut
"CCB MODE"
BE 0735.964.734
Baelen
9 BULLES
BE 0544.858.304
Comblain-au-Pont
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,215 companies in sector 47711 we hold annual accounts for 888. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded07-05-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47690Retail sale of other cultural and recreation goods
47715Retail trade
47784Retail sale of souvenirs and religious articles
74130Interior design
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0845734585
Also
9925:BE0845734585
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.