BISMART

Active

Private limited companyfounded 20206 yrs activeRue du Moustier,Grune 25, 6952 Nassogne, BelgiumKBO/BCE: BE 0741.418.807

Summary

BISMART has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€35,350) and a net result of -€6,180. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 38840 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisWatch Report Compare

BISMARTActiveChecked score 53/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

#6 company by total assets in Nassogne, Professional and technical services sector1 site

Size

€221,551total assets 2025

Equity: -€35,350
Loss: -€6,180

Turnover not published (abridged schema)

Financial health

53 Fair Checked score 2025

Bankruptcy chance 12 m: 0.5%

Structure

Accounts filed 28 d late0 of 4 deeds read

Why 53Capped at 59: negative equity- Negative equity -€35,350- Liquidity: current ratio 0.10, cash €3,271+ Size: total assets €221,551+ Sector Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 15% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Negative equity caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 9+1

equity -16.0% of total assets

Liquidity 5+5

short-term debt 85.1% · cash 1.5%

Profitability 65+21

return on assets -2.8%

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,265 companies)

Last 24 months 11-2024: 0.6% 12-2024: 0.6%▲ +0.7% vs 11-2024 01-2025: 0.6%▼ -2.6% vs 12-2024 02-2025: 0.6%▼ -0.7% vs 01-2025 03-2025: 0.6%▲ +2.5% vs 02-2025 04-2025: 0.6%▲ +5.3% vs 03-2025 05-2025: 0.7%▲ +8.5% vs 04-2025 06-2025: 0.7%▲ +3.8% vs 05-2025 07-2025: 0.8%▲ +14.7% vs 06-2025 08-2025: 0.8%▲ +2.7% vs 07-2025 09-2025: 0.8%▲ +1.8% vs 08-2025 10-2025: 0.8%● 0.0% vs 09-2025 11-2025: 0.8%● 0.0% vs 10-2025 12-2025: 0.9%▲ +9.5% vs 11-2025 01-2026: 0.9%● 0.0% vs 12-2025 02-2026: 0.9%● 0.0% vs 01-2026 03-2026: 0.9%▲ +0.7% vs 02-2026 04-2026: 1.0%▲ +8.4% vs 03-2026 05-2026: 0.9%▼ -4.1% vs 04-2026 06-2026: 0.9%▼ -3.9% vs 05-2026 07-2026: 0.9%▲ +2.8% vs 06-2026 08-2026: 1.2%▲ +34.1% vs 07-2026highest value 09-2026: 0.5%▼ -59.0% vs 08-2026lowest value 10-2026: 0.5%● 0.0% vs 09-2026lowest value

Size: total assets €221,551 lowers the probability for this profile
Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Negative equity -€35,350 raises the probability
Liquidity: current ratio 0.10, cash €3,271 raises the probability

No credit on open account

Liquidity short (current ratio 0.1 against 0.07 in 2024; short-term debt: 85.1% and cash: 1.5% of total assets), and equity is negative.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 7%, liquidity 3%, profitability 29%, growth against the median 22%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €221,551

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Negative equity -€35,350

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Liquidity: current ratio 0.10, cash €3,271

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

202122232425

2020 to 2025 · latest year -€35,350

A punctual record breaks

This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 6 filings

Deviation from the deadline

2025

28 d late

2024

36 d early

2023

37 d early

2022

28 d early

2021

5 d early

2020

16 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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 3 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

28-08-26 Annual accounts filedfiscal year 2025 · micro…
25-06-25 Annual accounts filedfiscal year 2024 · micro…
31-12-24 Weakest financial yearnet -€15,374

Key points

Risk: Negative equityfiscal year 2025: debts exceed assets -€35,350 View
Risk: 3 loss-making years in a rowloss fiscal year 2025 -€6,180 View
Caution: Among the weakest 5% on equitysector median €78,214 · 38,873 companies -€35,350 View