BIZOU
ActiveSummary
BIZOU has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 48% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+27
Solvency57▲+29
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 0.98 in 2024; short-term debt: 67.7% and cash: 30.3% of total assets), and 67.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
32.3%
Return on assets
30.8%
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 27-08-2026, 27 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
27 d late
2024
26 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
30 d late
2019
38 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 1,966%
2024 · €4k
2018: €-31k
2019: €-36k
2020: €-4k
2021: €-4k
2022: €-2k
2023: €-3k
2024: €4k
2018 → 2025
Total assets
€284k▲ 67.9%
2024 · €169k
2018: €186k
2019: €178k
2020: €211k
2021: €199k
2022: €224k
2023: €190k
2024: €169k
2018 → 2025
Net result
€87k▲ 1,050%
2024 · €8k
2018: €-18k
2019: €-6k
2020: €32k
2021: €616
2022: €2k
2023: €-2k
2024: €8k
2018 → 2025
Working capital
€43k
2024 · €-3k
2018: €-32k
2019: €-32k
2020: €4k
2021: €-10k
2022: €-10k
2023: €-8k
2024: €-3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€-2k▲ 56.0%€-3k▼ 102%€4k€92k▲ 1,966%
Operating result€1k-€3k▲ 95.3%€1k▼ 61.5%€9k▲ 708%€110k▲ 1,164%
Net result€616-€2k▲ 223%€-2k€8k€87k▲ 1,050%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,164% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€49k ▲ 551%
Current assets
€235k ▲ 45.3%
Equity and liabilities €284k
Equity
€92k ▲ 1,966%
Debt
€192k ▲ 16.7%
Debt's share of the balance-sheet total falls from 97.4% to 67.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€120k▲
2024 · €13k
Cash flow
€97k▲
2024 · €11k
Current ratio
1.22▲
2024 · 0.98
Quick ratio
0.45▲
2024 · 0.26
Debt to equity
2.09▼
2024 · 37.06
ROE
95.2%▼
2024 · 170.9%
ROA
30.8%▲
2024 · 4.5%
Interest coverage
324.26▲
2024 · 5.81
Debt ≤ 1 year
€192k▲
2024 · €165k
Income taxes
€22k▲
2024 · €140
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€169k€284k▲
Fixed assets21/28€8k€49k▲
Tangible fixed assets22/27€8k€49k▲
Land and buildings22-€8k
Plant, machinery and equipment23€1k€534▼
Furniture and vehicles24€3k€38k▲
Other tangible fixed assets26€3k€2k▼
Current assets29/58€162k€235k▲
Stocks and contracts in progress3€119k€148k▲
Stocks30/36€119k€148k▲
Amounts receivable within one year40/41€5k€1k▼
Trade receivables40€5k€1k▼
Cash at bank and in hand54/58€32k€86k▲
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€169k€284k▲
Equity10/15€4k€92k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€-26k€62k▲
Amounts payable17/49€165k€192k▲
Amounts payable within one year42/48€165k€192k▲
Trade debts44€71k€75k▲
Suppliers440/4€71k€75k▲
Taxes, remuneration and social security45€21k€65k▲
Taxes450/3€21k€65k▲
Other amounts payable47/48€73k€52k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€10k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€29k-
Other operating charges640/8€2k€6k▲
Gross operating margin9900€44k€125k▲
Operating profit (loss)9901€9k€110k▲
Financial income75/76B€1k€173▼
Recurring financial income75€1k€173▼
Financial charges65/66B€2k€369▼
Recurring financial charges65€2k€369▼
Profit (loss) for the period before taxes9903€8k€110k▲
Income taxes67/77€140€22k▲
Profit (loss) for the period9904€8k€87k▲
Profit (loss) for the period to be appropriated9905€8k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€62k▲
Profit (loss) brought forward from the previous period14P€-33k€-26k▲
The notes to these accounts (9 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €87k ▲1050%
Operating result €110k, net result €87k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €32k
Net result €32k after 2 loss-making years.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Haacht · 2 establishment units since 2015
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.
Werchtersesteenweg 53150 HaachtGround area
2,435 m²
Building footprint
427 m²
Volume, LiDAR
3,063 m³
2 parcels, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
BIZOU
since 20152.242.355.829
BIZOU
since 20152.242.356.324
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0472/00S009indicative | Flanders | 1,641 m² | 1 · 240 m² | 9.2 m · 2 fl. |
| 24033B0249/00L000 | Flanders | 793 m² | 1 · 187 m² | 13.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
Label 180
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TWELVE FACTORY
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Ukkel · Eq €94,566
YUMAN VILLAGE
BE 0695.841.475
Sint-Pieters-Woluwe · Eq €95,208
MADETA
BE 0672.622.447
Namur · Eq €95,718
THE BEAUTY SHOP
BE 0724.900.202
Sint-Jans-Molenbeek · Eq €96,499
Of 277 companies in sector 47519 we hold annual accounts for 130. 99 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47519Retail trade
47711Retail sale of women's outerwear
47712Retail trade
47715Retail trade
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@bizou.be