Biva Trade
ActiveBiva Trade has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €191k and a net result of €181k. Its solvency ranks better than 78% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+24
Growth78
Track record82
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days only on tighter terms
Liquidity ample (current ratio 4.34 against 2.05 in 2024; short-term debt: 23% and cash: 36.5% of total assets), and 23% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 2025Solvency, return and age of the figures
Solvency
77%
Return on assets
73.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 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
33 d late
2024
28 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€191k▲ 1,884%
2024 · €10k
2024: €10k
2024 → 2025
Total assets
€248k▲ 1,217%
2024 · €19k
2024: €19k
2024 → 2025
Net result
€181k▲ 2,279%
2024 · €8k
2024: €8k
2024 → 2025
Working capital
€191k▲ 1,884%
2024 · €10k
2024: €10k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€10k-€191k▲ 1,884%
Operating result€10k-€233k▲ 2,351%
Net result€8k-€181k▲ 2,279%
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 2,351% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €248k
Equity
€191k▲ 1,884%
Debt
€57k▲ 521%
The debt ratio falls from 48.9% to 23.0%. Equity and debt are higher.
Key figures and ratios
Solvency
77.0%▲
2024 · 51.1%
Current ratio
4.34▲
2024 · 2.05
Quick ratio
4.34▲
2024 · 2.05
Debt / equity
0.30▼
2024 · 0.96
ROE
95.0%▲
2024 · 79.2%
ROA
73.1%▲
2024 · 40.5%
Debt
€57k▲
2024 · €9k
Debt ≤ 1 year
€57k▲
2024 · €9k
Income taxes
€54k▲
2024 · €2k
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€19k€248k▲
Current assets29/58€19k€248k▲
Amounts receivable within one year40/41€14k€157k▲
Trade receivables40€5k€100k▲
Other amounts receivable41€9k€57k▲
Cash at bank and in hand54/58€5k€90k▲
Equity and liabilities
Total equity and liabilities10/49€19k€248k▲
Equity10/15€10k€191k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€8k€189k▲
Amounts payable17/49€9k€57k▲
Amounts payable within one year42/48€9k€57k▲
Trade debts44€492€882▲
Suppliers440/4€492€882▲
Taxes, remuneration and social security45€9k€56k▲
Taxes450/3€9k€56k▲
Income statement
Code20242025
Gross operating margin9900€10k€233k▲
Operating profit (loss)9901€10k€233k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€10€148▲
Recurring financial charges65€10€148▲
Profit (loss) for the period before taxes9903€10k€235k▲
Income taxes67/77€2k€54k▲
Profit (loss) for the period9904€8k€181k▲
Profit (loss) for the period to be appropriated9905€8k€181k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€189k▲
Profit (loss) brought forward from the previous period14P-€8k
The notes to these accounts (1 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
02-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 33 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 4.34
Current ratio from 2.05 to 4.34.
31-12
Financial
Equity above €150kEq €191k ▲1884%
2 profitable years in a row build equity to €191k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-10-2025
Resigned as Director
Location & real-estate footprint
Registered office, Vorst · 1 establishment unit since 2024
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.
Oude Vijversstraat 401190 VorstGround area
1,894 m²
Building footprint
682 m²
Volume, LiDAR
5,046 m³
Parcel 21382C0028/00G003, Brussels · tallest building 8.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Biva Trade
since 20242.365.560.081
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0028/00G003 | Brussels | 1,894 m² | 1 · 682 m² | 8.8 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVorst2.365.560.081
Similar companies · same sector, comparable size
PETROONS
BE 0460.011.513
Pajottegem · Eq €192k
VINABBIGO
BE 0457.833.763
Oostkamp · Eq €192k
Frabelec
BE 0448.177.216
Hasselt · Eq €192k
T.FOOD EXPRESS
BE 0785.528.368
Les Bons Villers · Eq €188k
BMP GROUP
BE 1005.978.387
Dilbeek · Eq €187k
Of 1,643 companies in sector 46170 we hold annual accounts for 671. 457 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-2024
Fiscal year end31-12
Activities, NACEBEL
46170Agents in the wholesale of food, beverages and tobacco
46190Agents in non-specialised wholesale trade
46349Wholesale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.