BISKWIE
ActiveSummary
BISKWIE has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.60M and a net result of €54k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▼-3
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 5.98 against 5.85 in 2023; short-term debt: 15.8% and cash: 10.2% of total assets), and 16.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 · 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 · 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
83.6%
Return on assets
2.8%
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 31-08-2025, 31 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
not confirmed
2024
31 d late
2023
40 d early
2022
41 d early
2021
60 d late
2020
31 d late
2019
17 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€864k
EBIT margin
20.1%
Net result
€54k▼ 42.3%
2023 · €94k
2018: €105k
2019: €344k
2020: €443k
2021: €78k
2022: €60k
2023: €94k
2018 → 2024
Working capital
€1.50M▲ 2.6%
2023 · €1.46M
2018: €1.12M
2019: €848k
2020: €1.30M
2021: €1.37M
2022: €1.39M
2023: €1.46M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.34M-€1.42M▲ 5.8%€1.48M▲ 4.3%€1.56M▲ 5.3%€1.60M▲ 2.5%
Operating result€595k-€109k▼ 81.6%€89k▼ 18.5%€120k▲ 35.2%€86k▼ 28.2%
Net result€443k-€78k▼ 82.4%€60k▼ 22.4%€94k▲ 55.7%€54k▼ 42.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 28% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.91M
Fixed assets
€109k ▼ 10.0%
Current assets
€1.80M ▲ 2.1%
Equity and liabilities €1.91M
Equity
€1.60M ▲ 2.5%
Debt
€313k ▼ 4.1%
Debt's share of the balance-sheet total falls from 17.3% to 16.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€99k▼
2023 · €132k
Cash flow
€66k▼
2023 · €106k
Current ratio
5.98▲
2023 · 5.85
Quick ratio
4.08▲
2023 · 3.96
Debt to equity
0.20▼
2023 · 0.21
ROE
3.4%▼
2023 · 6.0%
ROA
2.8%▼
2023 · 5.0%
Interest coverage
11.02▼
2023 · 14.30
Debt ≤ 1 year
€302k▼
2023 · €302k
Debt > 1 year
€3k▼
2023 · €23k
Income taxes
€26k▲
2023 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.89M€1.91M▲
Fixed assets21/28€121k€109k▼
Tangible fixed assets22/27€121k€109k▼
Land and buildings22€81k€81k=
Furniture and vehicles24€41k€29k▼
Current assets29/58€1.77M€1.80M▲
Stocks and contracts in progress3€572k€572k=
Stocks30/36€572k€572k=
Amounts receivable within one year40/41€25k€34k▲
Trade receivables40€16k€25k▲
Other amounts receivable41€9k€9k=
Current investments50/53€1.03M€999k▼
Cash at bank and in hand54/58€139k€195k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.89M€1.91M▲
Equity10/15€1.56M€1.60M▲
Contributions10/11€200k€200k=
Reserves13€1.25M€1.29M▲
Non-distributable reserves130/1€492k€492k=
Own shares acquired1312€492k€492k=
Distributable reserves133€760k€799k▲
Profit (loss) carried forward14€109k€109k▲
Amounts payable17/49€326k€313k▼
Amounts payable after more than one year17€23k€3k▼
Financial debts170/4€23k€3k▼
Amounts payable within one year42/48€302k€302k▼
Current portion of amounts payable after more than one year42€17k€5k▼
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€8k€12k▲
Taxes450/3€8k€12k▲
Other amounts payable47/48€268k€275k▲
Accrued charges and deferred income492/3€1k€8k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-48k-
Other operating charges640/8€9k€7k▼
Gross operating margin9900€93k€106k▲
Operating profit (loss)9901€120k€86k▼
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€111k€80k▼
Income taxes67/77€17k€26k▲
Profit (loss) for the period9904€94k€54k▼
Profit (loss) for the period to be appropriated9905€94k€54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€203k€163k▼
Profit (loss) brought forward from the previous period14P€109k€109k▲
Transfer from equity791/2€15k€15k▲
Transfer to equity691/2€94k€54k▼
To other reserves6921€94k€54k▼
Profit to be distributed694/7€15k€15k▲
Return on contributions (dividend)694€15k€15k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €54k ▼42.3%
Net result drops to €54k, the lowest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €443k ▲28.6%
Operating result €595k, net result €443k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.49
Current ratio from 1.49 to 4.49; short-term debt falls from €1.71M to €372k.
31-12
Financial
Equity above €1MEq €1.34M ▲49.1%
3 profitable years in a row build equity to €1.34M.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
30-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brugge · 1 establishment unit since 1986
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.
Joost de Damhouderstraat 118000 BruggeGround area
219 m²
Building footprint
117 m²
Volume, LiDAR
1,143 m³
Parcel 31005A0519/00A003, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Joost de Damhouderstraat 11, 8000 Brugge
since 19862.028.644.538
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31005A0519/00A003 | Flanders | 219 m² | 1 · 117 m² | 14.8 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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v international
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REAL ESTATE SOLUTIONS
BE 0460.014.184
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M Motion
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Roeselare · Eq €1,594,279
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 3,106 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-1985
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.