Equity
-€1,801
Debts exceed assets in financial year 2025.
BISLEVEL
Overview
Lifetime
2 annual accounts with figures on one time axispeak -€3,415 (2025)
-€3,415▲ €12,768
lowest -€17,511 (2024)
-€4,290▲ €13,220
peak €2,489 (2024)
-€1,801▼ €4,290
€17,242▲ 10.6%
Board2 names since 2023
1 directorVAN CAMP Greet
Documentsfilings and deeds
23-06-202638 days before the deadline
2025micro format
Gross margin from -€16,184 to -€3,415Loss of €4,290Equity from €2,489 to -€1,801Cash from €5,970 to €8,862
Key points
from the 2025 annual accountsLosses
-€21,801 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€17,242 112% of the balance sheet
Suppliers 100%Taxes and wages 0%
Starting capital
€20,000 100 shares
At the same address
59 companies
Position in the sector
-11.7%
Lower solvency than 81% of companies in retail trade. Sector median 33.1% · 22,909 companies.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 19% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.9%
01-2025: 2.9%● unchanged vs 12-2024
02-2025: 2.8%▼ -0.1 percentage points vs 01-2025
03-2025: 2.8%● unchanged vs 02-2025
04-2025: 3.0%▲ +0.2 percentage points vs 03-2025
05-2025: 3.2%▲ +0.2 percentage points vs 04-2025
06-2025: 3.2%● unchanged vs 05-2025highest value
07-2025: 1.7%▼ -1.5 percentage points vs 06-2025
08-2025: 1.7%● unchanged vs 07-2025
09-2025: 1.7%● unchanged vs 08-2025
10-2025: 1.7%● unchanged vs 09-2025
11-2025: 1.7%● unchanged vs 10-2025
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.6%▼ -0.1 percentage points vs 12-2025
02-2026: 1.6%● unchanged vs 01-2026
03-2026: 1.6%● unchanged vs 02-2026
04-2026: 1.6%● unchanged vs 03-2026
05-2026: 1.7%▲ +0.1 percentage points vs 04-2026
06-2026: 1.7%● unchanged vs 05-2026
07-2026: 1.1%▼ -0.6 percentage points vs 06-2026
08-2026: 1.1%● unchanged vs 07-2026
09-2026: 1.1%● unchanged vs 08-2026lowest value
10-2026: 1.1%● unchanged vs 09-2026lowest value
11-2026: 1.1%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€1,801
Founded in 2023
lowers risk
Liquidity: current ratio 0.76, cash €8,862
Size: total assets €15,441
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 16% of them on solvency, 52% on liquidity, 6% on profitability and 3% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as BISLEVEL has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BISLEVEL itself is lower: 1.1% within 12 months. It rests on far more data about BISLEVEL than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for BISLEVEL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.76 (0.98 in 2024), below 1. Short-term debt is 111.7% and cash 57.4% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€1,801
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 23-06-2026, 38 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
38 days early
2024
42 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 40 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
VC
VAN CAMP Greet
Director
- Margaretha VAN CAMP 100 sharesdeed of 16-05-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0801711829
Incorporation
Founding capital of €20,000, 100 shares · Founder: Margaretha VAN CAMP (oprichter comparante) · Appointment: Margaretha VAN CAMP (director) · published on 16-05-2023 · Gazette deed
First establishment
Antwerpsesteenweg 124, Aartselaar
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BISLEVEL Aartselaar | €15,441 | -€3,415 | -11.7% | - |
| Aulino Niel | €18,626 | -€7,518 | 85.0% | - |
| Recupcentrale Ghent | €28,708 | €1,316 | 93.2% | - |
| DE OUDE DAKPAN Tongeren-Borgloon | €49,468 | -€13,434 | 8.9% | - |
| SANI-DRIE Beveren-Kruibeke-Zwijndrecht | €53,354 | -€24,004 | 60.7% | - |
| SOLIDURA Sint-Niklaas | €8,581 | €718 | 24.8% | - |
| TrYdee Lievegem | €56,251 | -€131 | -76.1% | - |
These companies have the same main activity as BISLEVEL: retail trade (NACE 47529). They are comparable in size and age: total assets between €8,580 and €56,300, founded between 2020 and 2025.
Official details
Source: KBO- Status
- Active since 12-05-2023Normal situation
- Registered office
- 60 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Retail tradeNACE 47529
- Establishment unit
- 2.345.108.2262630 Aartselaar, since 12-05-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 31-03-2026
Annual accounts 2025
- -€3,415▲ 78.9%
- €4,290▼ 75.5%
- -€1,801
- €15,441▼ 14.6%
- Filing
- Filed on 23-06-2026, 38 days before the end of the filing period
Insights on BISLEVEL
BISLEVEL has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,801) and a net result of -€4,290.
Its solvency ranks better than 18% of 22,909 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 23-06-2026, 38 days before the deadline-€3,415
▲ €12,768
-€4,222
▲ €13,195
-€4,290
▲ €13,220
-€4,127
▼ €3,767
-11.7%
▼ 25.4 percentage points
0.76
▼ 0.22
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €15,441 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-11.7%
Higher than 18% of 22,909 companies in 2025.
0.76
Higher than 21% of 22,039 companies in 2025.
-27.8%
Higher than 9% of 22,189 companies in 2025.
BISLEVEL
Middle half of the sector
80% of the sector
Micro accounts in retail trade (NACE 47)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
15,441 | 18,085 | |
20 |
1,576 | 2,197 | |
21/28 |
750 | 750 | |
28 |
750 | 750 | |
29/58 |
13,115 | 15,138 | |
3 |
310 | 4,067 | |
30/36 |
310 | 4,067 | |
40/41 |
3,390 | 4,601 | |
40 |
904 | 694 | |
41 |
2,486 | 3,907 | |
54/58 |
8,862 | 5,970 | |
490/1 |
553 | 500 | |
| Balance sheet: equity and liabilities | |||
10/49 |
15,441 | 18,085 | |
10/15 |
-1,801 | 2,489 | |
10/11 |
20,000 | 20,000 | |
14 |
-21,801 | -17,511 | |
17/49 |
17,242 | 15,596 | |
42/48 |
17,242 | 15,498 | |
44 |
17,194 | 12,219 | |
440/4 |
17,194 | 12,219 | |
45 |
49 | 307 | |
450/3 |
49 | 307 | |
47/48 |
- | 2,973 | |
492/3 |
- | 98 | |
| Income statement | |||
9900 |
-3,415 | -16,184 | |
630 |
621 | 909 | |
640/8 |
186 | 325 | |
9901 |
-4,222 | -17,418 | |
75/76B |
18 | 19 | |
75 |
18 | 19 | |
65/66B |
86 | 112 | |
65 |
86 | 112 | |
9903 |
-4,290 | -17,511 | |
9904 |
-4,290 | -17,511 | |
9905 |
-4,290 | -17,511 | |
| Appropriation of the result | |||
9906 |
-21,801 | -17,511 | |
14P |
-17,511 | - | |
| Document | |||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -3,601 | -16,508 | ||
| -3,669 | -16,601 | ||
| 621 | 750 | ||
| 2,893 | - | ||
| -4,127 | -360 | ||
| -11.7% | 13.8% | ||
| 0.76 | 0.98 | ||
| 0.74 | 0.71 | ||
| - | 6.27 | ||
| - | -703.5% | ||
| -27.8% | -96.8% | ||
| -41.94 | -147.18 |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Financial fixed assets | - | €750 |
| €621 | €909 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on BISLEVEL
The operating result for 2025 is a loss of €4,222, smaller than the loss of €17,418 in 2024.
Equity is negative. Debt (€17,242) exceeds the balance-sheet total (€15,441).
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 16-05-2023
Mandates through the years
2 names, the dashed line is todayVAN CAMP Greet
Director
Director
Margaretha VAN CAMP
Director (not named in the articles)
Director (not named in the articles)
BoardEarliermandate already running before its first mentionend not dated
Mandates as a list
- VAN CAMP Greet
- Director, since before 31-12-2024
- Margaretha VAN CAMP
- Director (not named in the articles), appointed by deed of 16-05-2023, no longer listed in the 2025 annual accounts
Control
Capital
- Contribution
- €20,000
- Shares
- 100
- Contribution per share
- €200
- Equity per share
- -€18.01 in 2025
- Source
- deed of 16-05-2023
Articles of association
deed of 16-05-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of May at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 16-05-2023 ↗
- Margaretha VAN CAMP 100 shares (100%) · €20,000 in cash
Network & group
No group
BISLEVEL has no parent and no holdings in its annual accounts. VAN CAMP Greet is the only director. BISLEVEL shares no director with another company.
At the same address
Antwerpsesteenweg 124, 2630 Aartselaar · 59 other companies| KEMIRA CHEMICALS
registered office since 06-10-1998 · founded in 1998 |
5 FTE (2022) 0464.298.121 |
| Officenter Hasselt
establishment since 15-10-2026 · founded in 2009 |
4 FTE (2025) 0821.194.476 |
| Landmeterskantoor Van Eester
establishment since 24-03-2022 · founded in 2014 |
44 FTE (2025) 0567.600.646 |
| Officenter A12
registered office since 02-03-2012 · founded in 2012 |
1.8 FTE (2025) 0844.137.154 |
| BIBLIOTHECA BELGIUM
registered office since 10-07-2012 · founded in 2012 · accounts filed late |
total assets €2.1m (2024) 0847.313.509 |
| TESSILFORM BELGIQUE
registered office since 26-03-2007 · founded in 2007 |
6 FTE (2025) 0888.470.906 |
| On Site Machining
registered office since 02-03-2007 · founded in 2007 |
19 FTE (2024) 0886.400.846 |
| TECHS+TOOLS
establishment since 02-04-2021 · founded in 2019 |
19 FTE (2025) 0732.711.076 |
| Kemira Waterchemie NV
registered office since 09-07-1993 · founded in 1993 |
0.6 FTE (2025) 0450.499.573 |
| OFFICENTER IMMO A12
registered office since 13-06-1985 · founded in 1985 |
total assets €1.4m (2025) 0427.329.936 |
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 38 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0801711829
2025
Annual accounts 2024 filed PDFmicro format · 42 days before the deadline
2023
IncorporationFounding capital of €20,000, 100 shares · Founder: Margaretha VAN CAMP (oprichter comparante) · Appointment: Margaretha VAN CAMP (director) · published on 16-05-20234 points ▸
- Registered office clause, Antwerpsesteenweg 124 bus 95, 2630 Aartselaar
- Director appointment, Margaretha VAN CAMP (director (not named in the articles))
- Founder, Margaretha VAN CAMP (oprichter comparante)
- Founding capital, €20,000, 100 shares
- The deed holds 2 more points.
First establishment Antwerpsesteenweg 124, Aartselaar
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0801.711.829
- VAT number
- BE 0801.711.829
- Peppol ID
- 0208:0801711829
- Other Peppol ID
- 9925:BE0801711829
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-05-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of May at 19:00deed of 16-05-2023 (in Dutch)
- Peppol
- Reachable since 31-03-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BISLEVEL in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-05-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 16-05-2023 (in Dutch)
Activities
NACEBEL 202547529
Retail trade main activity
Codes under NACEBEL 2008
47529
Retail trade main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Onderneming voor aankoop en verkoop,kleinhandel en groothandel,invoer en uitvoer,vervoer en representatie van alle producten,materialen en…”deed of 16-05-2023 (in Dutch)
19 activities
- Onderneming voor aankoop en verkoop,kleinhandel en groothandel,invoer en uitvoer,vervoer en representatie van alle producten,materialen en apparatuur voor het bouwbedrijf,zijnde bouwmaterialen in de meest uitgebreide zin.
- Het leveren en plaatsen van vloer- en wandtegels.
- Detailhandel in wand- en vloertegels in gespecialiseerde winkels.
- Dienstverlenende activiteiten op gebied van informatie,gegevensverwerking,beheer en ontwerp van websites,webshops en blogs en aanverwante activiteiten.
- Ontwikkeling en verdere ontwikkeling van web-shops,software en onlinetools op alle vlakken en domeinen en dit in de meest uitgebreide zin;
- Alle activiteiten met betrekking tot de E-business;
- De (online en/of offline) handel in allerhande goederen;
- De uitbating van online webshops.
- Het geven van workshops,voordrachten,lezingen,opleidingen,cursussen,demonstraties inzake de voormelde activiteiten.
- Het aanvragen,verwerven,verhandelen en exploiteren van licenties,octrooien,merken en dergelijke;
- De groot- en kleinhandel,de import- en export,het huren en verhuren,leasing van alle materialen,voorwerpen,hulpmiddelen en goederen die rechtstreeks of onrechtstreeks verband houden het voormelde.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend patrimonium,alle verplichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten rechtspersonen en ondernemingen;
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen;alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen;de aan- en verkoop,huur en verhuur van roerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen,alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van roerende en onroerende goederen;
- Het uitoefenen van de functie van bestuurder,gedelegeerd bestuurder,directeur of andere leidende en uitvoerende functies,vereffenaar van vennootschappen,al dan niet bezoldigd in alle vormen,ook buitenlandse,van vennootschappen,verenigingen of samenwerkingsverbanden zowel in België als in het buitenland.
- Consultancy.
- Het inrichten van algemene diensten,die nuttig of nodig zijn voor de uitoefening van voormelde activiteiten.
- Het beheren van beleggingen en van participaties in dochtervennootschappen,het waarnemen van bestuurdersfuncties,het verlenen van advies,management,bijstand en andere diensten aan alle ondernemingen,verbonden ondernemingen of aan ondernemingen waarin de vennootschap zelf een participatie bezit,of in overeenstemming met de activiteiten die de vennootschap zelf voert;
- Deze diensten kunnen worden geleverd krachtens contractuele of statutaire benoemingen en in de hoedanigheid van extern raadgever of orgaan van de cliënt.
- De aankoop,huur,onderhoud en verkoop van alle goederen,desgevallend ten behoeve van eigen handelsverrichtingen of voor handelsverrichtingen van derden,zoals alle soorten materieel,gereedschappen,machines,installaties en computers,soft- en hardware;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Antwerpsesteenweg 124 registered office 2630 Aartselaar | 12-05-2023 | 2.345.108.226 |
Buildings and parcels at the address
- Ground area
- 1,858 m²
- Buildings
- 844 m²
- Volume, LiDAR
- 5,735 m³
- Tallest building
- 9.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11001B0009/00V005 | 1,858 m² | 1 · 844 m² | 9.6 m · 2 |