BISSE
ActiveSummary
BISSE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €183k and a net result of €97k. Its solvency ranks better than 40% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability97▼-2
Solvency68▲+18
Growth78
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 0.24 in 2024; short-term debt: 13.8% and cash: 24.1% of total assets), but 56.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Solvency, return and age of the figures
Solvency
43.2%
Return on assets
22.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 2 filingsDeviation from the deadline
2025
3 d late
2024
72 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€183k▲ 112%
2024 · €86k
2024: €86k
2025: €183k▲ +112% vs 2024
2024 → 2025
Total assets
€424k▲ 24.0%
2024 · €342k
2024: €342k
2025: €424k▲ +24.0% vs 2024
2024 → 2025
Net result
€97k▲ 16.5%
2024 · €83k
2024: €83k
2025: €97k▲ +16.5% vs 2024
2024 → 2025
Working capital
€45k
2024 · €-92k
2024: €-92k
2025: €45k▲ +149% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€86k-€183k▲ 112%
2024: €86k
2025: €183k▲ +112% vs 2024
Operating result€106k-€125k▲ 17.9%
2024: €106k
2025: €125k▲ +17.9% vs 2024
Net result€83k-€97k▲ 16.5%
2024: €83k
2025: €97k▲ +16.5% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €424k
Fixed assets
€321k ▲ 2.6%
Current assets
€103k ▲ 252%
Equity and liabilities €424k
Equity
€183k ▲ 112%
Debt
€241k ▼ 5.8%
Debt's share of the balance-sheet total falls from 74.8% to 56.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€143k▼
2024 · €151k
Cash flow
€115k▼
2024 · €128k
Current ratio
1.76▲
2024 · 0.24
Debt to equity
1.32▼
2024 · 2.97
ROE
52.9%▼
2024 · 96.5%
ROA
22.9%▼
2024 · 24.3%
Interest coverage
1476.01▲
2024 · 1301.02
Debt ≤ 1 year
€58k▼
2024 · €121k
Debt > 1 year
€182k▲
2024 · €135k
Income taxes
€28k▲
2024 · €23k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€342k€424k▲
Fixed assets21/28€313k€321k▲
Tangible fixed assets22/27€313k€321k▲
Land and buildings22€311k€304k▼
Furniture and vehicles24€2k€17k▲
Current assets29/58€29k€103k▲
Amounts receivable within one year40/41€172€573▲
Trade receivables40€172€573▲
Cash at bank and in hand54/58€29k€102k▲
Deferred charges and accrued income490/1€543€318▼
Equity and liabilities
Total equity and liabilities10/49€342k€424k▲
Equity10/15€86k€183k▲
Contributions10/11€3k€3k=
Reserves13-€180k
Distributable reserves133-€180k
Profit (loss) carried forward14€83k€255▼
Amounts payable17/49€256k€241k▼
Amounts payable after more than one year17€135k€182k▲
Financial debts170/4€135k€180k▲
Other amounts payable178/9-€2k
Amounts payable within one year42/48€121k€58k▼
Current portion of amounts payable after more than one year42€45k€0▼
Trade debts44€288€260▼
Suppliers440/4€288€260▼
Taxes, remuneration and social security45€25k€58k▲
Taxes450/3€25k€56k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€50k€232▼
Accrued charges and deferred income492/3-€160
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€18k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€153k€146k▼
Operating profit (loss)9901€106k€125k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€116€97▼
Recurring financial charges65€116€97▼
Profit (loss) for the period before taxes9903€106k€125k▲
Income taxes67/77€23k€28k▲
Profit (loss) for the period9904€83k€97k▲
Profit (loss) for the period to be appropriated9905€83k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€180k▲
Profit (loss) brought forward from the previous period14P-€83k
Transfer to equity691/2-€180k
To other reserves6921-€180k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €45k | €18k | ▼ 60.3% |
| Other operating charges640/8 | €1k | €3k | ▲ 113% |
| Gross operating margin9900 | €153k | €146k | ▼ 4.4% |
| Operating profit (loss)9901 | €106k | €125k | ▲ 17.9% |
| Financial income75/76B | - | €2 | - |
| Recurring financial income75 | - | €2 | - |
| Financial charges65/66B | €116 | €97 | ▼ 16.7% |
| Recurring financial charges65 | €116 | €97 | ▼ 16.7% |
| Profit (loss) for the period before taxes9903 | €106k | €125k | ▲ 17.9% |
| Income taxes67/77 | €23k | €28k | ▲ 22.8% |
| Profit (loss) for the period9904 | €83k | €97k | ▲ 16.5% |
| Profit (loss) for the period to be appropriated9905 | €83k | €97k | ▲ 16.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €342k | €424k | ▲ 24.0% |
| Fixed assets21/28 | €313k | €321k | ▲ 2.6% |
| Tangible fixed assets22/27 | €313k | €321k | ▲ 2.6% |
| Land and buildings22 | €311k | €304k | ▼ 2.3% |
| Furniture and vehicles24 | €2k | €17k | ▲ 717% |
| Current assets29/58 | €29k | €103k | ▲ 252% |
| Amounts receivable within one year40/41 | €172 | €573 | ▲ 234% |
| Trade receivables40 | €172 | €573 | ▲ 234% |
| Cash at bank and in hand54/58 | €29k | €102k | ▲ 258% |
| Deferred charges and accrued income490/1 | €543 | €318 | ▼ 41.4% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €342k | €424k | ▲ 24.0% |
| Equity10/15 | €86k | €183k | ▲ 112% |
| Contributions10/11 | €3k | €3k | = |
| Reserves13 | - | €180k | - |
| Distributable reserves133 | - | €180k | - |
| Profit (loss) carried forward14 | €83k | €255 | ▼ 99.7% |
| Amounts payable17/49 | €256k | €241k | ▼ 5.8% |
| Amounts payable after more than one year17 | €135k | €182k | ▲ 35.1% |
| Financial debts170/4 | €135k | €180k | ▲ 33.3% |
| Other amounts payable178/9 | - | €2k | - |
| Amounts payable within one year42/48 | €121k | €58k | ▼ 51.6% |
| Current portion of amounts payable after more than one year42 | €45k | €0 | ▼ 100% |
| Trade debts44 | €288 | €260 | ▼ 9.6% |
| Suppliers440/4 | €288 | €260 | ▼ 9.6% |
| Taxes, remuneration and social security45 | €25k | €58k | ▲ 131% |
| Taxes450/3 | €25k | €56k | ▲ 124% |
| Remuneration and social security454/9 | - | €2k | - |
| Other amounts payable47/48 | €50k | €232 | ▼ 99.5% |
| Accrued charges and deferred income492/3 | - | €160 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €83k | €97k | ▲ 16.5% |
| + Depreciation and write-downs630 | €45k | €18k | ▼ 60.3% |
| Operating cash flow (approximation) | €128k | €115k | ▼ 10.5% |
| Investment in fixed assets (approximation) | - | €-26k | - |
| Change in cash | - | €74k | - |
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Liquidity times 7current ratio 1.76
Current ratio from 0.24 to 1.76; short-term debt falls from €121k to €58k.
31-12
Financial
Equity above €150kEq €183k ▲112%
2 profitable years in a row build equity to €183k.
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Mons · 1 establishment unit since 2023
Ground area
800 m²
Building footprint
127 m²
Volume, LiDAR
662 m³
Parcel 53404B0113/00Z006, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BISSE
since 20232.350.638.315
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0113/00Z006 | Wallonia | 800 m² | 1 · 127 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 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, comparable size
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VDP CONSULTING
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PRIMMO
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 40,592 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
73300Public relations and communication consultancy
Contact
E-mail
pm@bisse-gestion.be
Scores and ratios are computed by Checked and are not a credit decision.