BIZW
ActiveThe computed 12-month bankruptcy probability of BIZW is 2.0% (moderate). The 2025 annual accounts show equity of €42k and a net result of €-6k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 11257 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 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
Profitability52▼-41
Solvency80▼-20
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 4.0 in 2024; short-term debt: 31.1% and cash: 30.1% of total assets), and 45.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.6%
Return on assets
-8.3%
Age of the figures
18 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 · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 13-10-2025, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
18 d early
2024
10 d early
2023
4 d early
2022
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▼ 13.2%
2024 · €48k
2022: €7k
2023: €37k
2024: €48k
2022 → 2025
Total assets
€76k▲ 23.4%
2024 · €62k
2022: €19k
2023: €50k
2024: €62k
2022 → 2025
Net result
€-6k
2024 · €12k
2022: €5k
2023: €30k
2024: €12k
2022 → 2025
Working capital
€12k▼ 69.9%
2024 · €41k
2022: €4k
2023: €33k
2024: €41k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€7k-€37k▲ 404%€48k▲ 31.1%€42k▼ 13.2%
Operating result€9k-€44k▲ 389%€20k▼ 54.7%€-3k
Net result€5k-€30k▲ 497%€12k▼ 59.5%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €20k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€40k▲ 442%
Current assets
€36k▼ 33.7%
Equity and liabilities €76k
Equity
€42k▼ 13.2%
Debt
€35k▲ 151%
The debt ratio rises from 22.3% to 45.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €22k
Cash flow
€3k▼
2024 · €14k
Solvency
54.6%▼
2024 · 77.7%
Current ratio
1.52▼
2024 · 4.00
Quick ratio
1.52▼
2024 · 4.00
Debt / equity
0.83▲
2024 · 0.29
ROE
-15.2%▼
2024 · 25.5%
ROA
-8.3%▼
2024 · 19.8%
Interest coverage
5.28▼
2024 · 34.06
Debt
€35k▲
2024 · €14k
Debt ≤ 1 year
€24k▲
2024 · €14k
Debt > 1 year
€11k
Income taxes
€2k▼
2024 · €7k
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€62k€76k▲
Fixed assets21/28€7k€40k▲
Tangible fixed assets22/27€7k€40k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€138€29k▲
Other tangible fixed assets26€5k€9k▲
Current assets29/58€54k€36k▼
Amounts receivable within one year40/41€39k€13k▼
Trade receivables40€38k€13k▼
Other amounts receivable41€1k€204▼
Cash at bank and in hand54/58€15k€23k▲
Equity and liabilities
Total equity and liabilities10/49€62k€76k▲
Equity10/15€48k€42k▼
Contributions10/11€3k€3k=
Reserves13€45k€45k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14-€-6k
Amounts payable17/49€14k€35k▲
Amounts payable after more than one year17-€11k
Financial debts170/4-€11k
Amounts payable within one year42/48€14k€24k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€276€2k▲
Suppliers440/4€276€2k▲
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€7k€5k▼
Remuneration and social security454/9-€6k
Other amounts payable47/48€7k€3k▼
Accrued charges and deferred income492/3€198-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€10k▲
Other operating charges640/8€840€2k▲
Gross operating margin9900€22k€8k▼
Operating profit (loss)9901€20k€-3k▼
Financial income75/76B€156€0▼
Recurring financial income75€156€0▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€634€1k▲
Non-recurring financial charges66B€395-
Profit (loss) for the period before taxes9903€19k€-5k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€12k€-6k▼
Profit (loss) for the period to be appropriated9905€12k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-6k▼
Transfer to equity691/2€11k-
To other reserves6921€11k-
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
The notes to these accounts (6 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
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-6k ▼152%
Net result drops to €-6k, the lowest in the series.
2024
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2022net €30k ▲497%
Operating result €44k, net result €30k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 3.46
Current ratio from 1.35 to 3.46.
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pelt · 1 establishment unit since 2021
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.
Heesakkerstraat 1073900 PeltGround area
859 m²
Building footprint
194 m²
Volume, LiDAR
941 m³
Parcel 72029B0628/00X000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BIZW
since 20212.316.854.007
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72029B0628/00X000 | Flanders | 859 m² | 1 · 194 m² | 7.1 m · 2 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.
Similar companies · same sector, comparable size
VINTAGE STEALS
BE 0658.848.447
Aarschot · Eq €42k
Ceresmar
BE 0794.480.577
Kapellen · Eq €42k
H.A. Kuijs Beheer
BE 1001.516.684
Brasschaat · Eq €41k
EIKEN PROJECT
BE 0833.656.008
Antwerpen · Eq €42k
Karwei Arrova
BE 0823.306.603
Hasselt · Eq €41k
Of 4,426 companies in sector 46180 we hold annual accounts for 1,886. 1,326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2021
Fiscal year end31-03
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
47540Retail sale of electrical household appliances
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.