BIZZUALS
ActiveBIZZUALS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €39k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 33% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+1
Solvency59▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.66 against 1.18 in 2024; short-term debt: 15.1% and cash: 5.3% of total assets), and 66.2% 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
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
Sector 70
lower
← 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
33.8%
Return on assets
6.2%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-05-2026, 70 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
70 d early
2024
48 d late
2023
15 d early
2022
32 d early
2021
51 d early
2020
47 d early
2019
4 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€212k▼ 9.1%
2024 · €234k
2018: €58k
2019: €95k
2020: €116k
2021: €145k
2022: €168k
2023: €194k
2024: €234k
2018 → 2025
Total assets
€629k▼ 5.4%
2024 · €665k
2018: €102k
2019: €434k
2020: €453k
2021: €697k
2022: €689k
2023: €637k
2024: €665k
2018 → 2025
Net result
€39k▼ 2.1%
2024 · €40k
2018: €61k
2019: €52k
2020: €43k
2021: €57k
2022: €49k
2023: €26k
2024: €40k
2018 → 2025
Working capital
€-32k
2024 · €14k
2018: €52k
2019: €48k
2020: €51k
2021: €-7k
2022: €-7k
2023: €230
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€168k▲ 15.6%€194k▲ 15.2%€234k▲ 20.6%€212k▼ 9.1%
Operating result€74k-€66k▼ 10.3%€44k▼ 34.3%€60k▲ 38.2%€71k▲ 17.3%
Net result€57k-€49k▼ 13.1%€26k▼ 48.2%€40k▲ 56.3%€39k▼ 2.1%
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 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €629k
Fixed assets
€565k▼ 1.6%
Current assets
€63k▼ 29.9%
Equity and liabilities €629k
Equity
€212k▼ 9.1%
Debt
€416k▼ 3.4%
The debt ratio rises from 64.8% to 66.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€80k▲
2024 · €70k
Cash flow
€48k▼
2024 · €49k
Solvency
33.8%▼
2024 · 35.2%
Current ratio
0.66▼
2024 · 1.18
Quick ratio
0.66▼
2024 · 1.18
Debt / equity
1.96▲
2024 · 1.84
ROE
18.4%▲
2024 · 17.1%
ROA
6.2%▲
2024 · 6.0%
Interest coverage
11.78▲
2024 · 9.29
Debt
€416k▼
2024 · €431k
Debt ≤ 1 year
€95k▲
2024 · €76k
Debt > 1 year
€321k▼
2024 · €355k
Income taxes
€25k▲
2024 · €13k
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€665k€629k▼
Fixed assets21/28€574k€565k▼
Tangible fixed assets22/27€574k€565k▼
Land and buildings22€572k€563k▼
Furniture and vehicles24€40-
Other tangible fixed assets26€2k€2k▼
Current assets29/58€90k€63k▼
Amounts receivable within one year40/41€43k€27k▼
Trade receivables40€16k€25k▲
Other amounts receivable41€28k€1k▼
Cash at bank and in hand54/58€45k€33k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€665k€629k▼
Equity10/15€234k€212k▼
Contributions10/11€6k€19k▲
Reserves13€227k€194k▼
Distributable reserves133€227k€194k▼
Amounts payable17/49€431k€416k▼
Amounts payable after more than one year17€355k€321k▼
Financial debts170/4€355k€321k▼
Amounts payable within one year42/48€76k€95k▲
Current portion of amounts payable after more than one year42€41k€37k▼
Financial debts43€136€1k▲
Credit institutions430/8€136€1k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€19k€26k▲
Taxes450/3€19k€24k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€11k€24k▲
Accrued charges and deferred income492/3-€122
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€74k€83k▲
Operating profit (loss)9901€60k€71k▲
Financial income75/76B€810€832▲
Recurring financial income75€810€832▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€53k€65k▲
Income taxes67/77€13k€25k▲
Profit (loss) for the period9904€40k€39k▼
Profit (loss) for the period to be appropriated9905€40k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€39k▼
Transfer from equity791/2-€73k
Transfer to equity691/2€40k€39k▼
To other reserves6921€40k€39k▼
Profit to be distributed694/7-€73k
Return on contributions (dividend)694-€73k
The notes to these accounts (10 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
2024
31-12
Financial
Equity above €200kEq €234k ▲20.6%
7 profitable years in a row build equity to €234k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €26k ▼48.2%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €168k ▲15.6%
5 profitable years in a row build equity to €168k.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €116k ▲22%
3 profitable years in a row build equity to €116k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hove · 2 establishment units since 2018
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.
Beukenlaan 242540 HoveGround area
1,056 m²
Building footprint
387 m²
Volume, LiDAR
2,247 m³
2 parcels, Flanders · tallest building 16.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
BIZZUALS
since 20182.272.751.075
Schoolstraat 9, 2550 Kontich
since 20192.298.440.734
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021B0079/00S003 | Flanders | 579 m² | 1 · 113 m² | 5.9 m · 1 fl. |
| 11024B0205/00Y007 | Flanders | 478 m² | 1 · 274 m² | 16.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 304 EUR awarded · 1,804 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 173 EUR | 173 EUR |
| 2024 | 1 | 131 EUR | 1,631 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
43320Joinery installation
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.