BISMA
ActiveBISMA has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+5
Solvency38▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 31616 sector peers (2025).
NBB · sector comparisonPosition among 31616 sector peers
Solvency
better than 19%
← 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 31-08-2026, 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
31 d late
2024
5 d late
2023
43 d early
2022
35 d early
2021
61 d late
2020
27 d late
2019
40 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€28k
2024 · €0
2019: €0
2020: €0
2021: €0
2024: €0
2019 → 2025
EBIT margin
27.6%
Net result
€3k▼ 11.1%
2024 · €4k
2018: €97
2019: €23
2020: €-9k
2021: €-9k
2022: €12k
2023: €2k
2024: €4k
2018 → 2025
Working capital
€-9k▲ 50.7%
2024 · €-18k
2018: €-3k
2019: €-1k
2020: €-10k
2021: €-19k
2022: €-7k
2023: €-27k
2024: €-18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0€28k
Equity€-18k-€-6k▲ 65.8%€-4k▲ 40.8%€144€3k▲ 2,323%
Operating result€-8k-€14k€7k▼ 50.0%€8k▲ 21.3%€8k▼ 8.2%
Net result€-9k-€12k€2k▼ 78.8%€4k▲ 50.8%€3k▼ 11.1%
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 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€12k▼ 31.3%
Current assets
€14k▲ 29.8%
Equity and liabilities €26k
Equity
€3k▲ 2,323%
Debt
€23k▼ 19.8%
The debt ratio falls from 99.5% to 86.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €14k
Cash flow
€9k▼
2024 · €9k
Solvency
13.2%▲
2024 · 0.5%
Current ratio
0.62▲
2024 · 0.38
Quick ratio
0.62▲
2024 · 0.38
Debt / equity
6.58
ROE
95.9%
ROA
12.6%▼
2024 · 13.1%
Interest coverage
30.02▲
2024 · 29.08
Debt
€23k▼
2024 · €29k
Debt ≤ 1 year
€23k▼
2024 · €29k
Income taxes
€4k▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€29k€26k▼
Fixed assets21/28€18k€12k▼
Tangible fixed assets22/27€17k€12k▼
Furniture and vehicles24€17k€12k▼
Financial fixed assets28€700€700=
Current assets29/58€11k€14k▲
Amounts receivable within one year40/41€9k€6k▼
Trade receivables40€1k€3k▲
Other amounts receivable41€8k€3k▼
Cash at bank and in hand54/58€351€5k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€29k€26k▼
Equity10/15€144€3k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-20k€-17k▲
Amounts payable17/49€29k€23k▼
Amounts payable within one year42/48€29k€23k▼
Trade debts44€2k€672▼
Suppliers440/4€2k€672▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€22k€18k▼
Accrued charges and deferred income492/3€0€58▲
Income statement
Code20242025
Turnover70€0€28k▲
Non-recurring operating income76A€7k€73▼
Goods, raw materials, services and sundry goods60/61€0€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€894€928▲
Gross operating margin9900€15k€14k▼
Operating profit (loss)9901€8k€8k▼
Financial charges65/66B€480€442▼
Recurring financial charges65€480€442▼
Profit (loss) for the period before taxes9903€8k€7k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€4k€3k▼
Profit (loss) for the period to be appropriated9905€4k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-17k▲
Profit (loss) brought forward from the previous period14P€-24k€-20k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Elsene · 2 establishment units since 1997
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.
Louizalaan 5001050 ElseneGround area
6,182 m²
Building footprint
3,271 m²
Volume, LiDAR
63,289 m³
3 parcels, Brussels, Flanders · tallest building 38.1 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
BISMA BVBA
since 19972.084.333.723
BISMA BVBA
since 19972.084.333.822
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0226/00W011 | Brussels | 3,529 m² | 1 · 1,878 m² | 38.1 m · 7 fl. |
| 23543O0027/00E034 | Flanders | 1,435 m² | 1 · 173 m² | 11.5 m · 3 fl. |
| 21822R0227/00T003 | Brussels | 1,218 m² | 1 · 1,221 m² | 32.8 m · 2 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.
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Add Energy
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 12,417 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-11-1997
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
74501
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.