BL INTERNATIONAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €15k and a net result of €-21k. Equity is growing by ~39.3% per year across the filed fiscal years. Its solvency ranks better than 18% of 2420 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 2420 sector peers (2025).
NBB · sector comparisonPosition among 2420 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 25-11-2025, 25 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 · 5 filingsDeviation from the deadline
2025
25 d late
2024
4 d late
2023
374 d late
2022
29 d late
2021
17 d late
← 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
€15k▼ 57.7%
2024 · €36k
2021: €5k
2022: €7k
2023: €29k
2024: €36k
2021 → 2025
Net result
€-21k
2024 · €27k
2021: €3k
2022: €2k
2023: €21k
2024: €27k
2021 → 2025
Total assets
€139k▲ 67.9%
2024 · €83k
2021: €49k
2022: €38k
2023: €42k
2024: €83k
2021 → 2025
Solvency
10.8%▼ 32.1pp
2024 · 42.9%
2021: 10.1%
2022: 18.9%
2023: 68.5%
2024: 42.9%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€7k▲ 46.9%€29k▲ 294%€36k▲ 24.4%€15k▼ 57.7%
Operating result€10k-€3k▼ 73.9%€28k▲ 1,033%€37k▲ 29.1%€-20k
Net result€3k-€2k▼ 21.1%€21k▲ 821%€27k▲ 26.6%€-21k
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 €20k after €37k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€9k▼ 23.0%
Current assets
€130k▲ 82.0%
Equity and liabilities €139k
Equity
€15k▼ 57.7%
Debt
€124k▲ 162%
The debt ratio rises from 57.1% to 89.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
10.8%▼
2024 · 42.9%
ROE
-136.6%▼
2024 · 75.9%
ROA
-14.8%▼
2024 · 32.6%
Debt
€124k▲
2024 · €47k
Debt ≤ 1 year
€124k▲
2024 · €47k
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€83k€139k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Furniture and vehicles24€11k€9k▼
Current assets29/58€72k€130k▲
Amounts receivable within one year40/41€35k€110k▲
Trade receivables40€2k€57k▲
Other amounts receivable41€33k€53k▲
Cash at bank and in hand54/58€17k€53▼
Deferred charges and accrued income490/1€20k€20k=
Equity and liabilities
Total equity and liabilities10/49€83k€139k▲
Equity10/15€36k€15k▼
Contributions10/11€2k€2k=
Reserves13€3k€3k=
Non-distributable reserves130/1€200€200=
Reserves not available under the articles1311€200€200=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€31k€10k▼
Amounts payable17/49€47k€124k▲
Amounts payable within one year42/48€47k€124k▲
Financial debts43-€69
Credit institutions430/8-€69
Trade debts44€27k€58k▲
Suppliers440/4€27k€58k▲
Taxes, remuneration and social security45€3k€3k=
Taxes450/3€3k€3k=
Other amounts payable47/48€18k€64k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€40k€-15k▼
Operating profit (loss)9901€37k€-20k▼
Financial charges65/66B€253€386▲
Recurring financial charges65€253€386▲
Profit (loss) for the period before taxes9903€36k€-21k▼
Income taxes67/77€9k-
Profit (loss) for the period9904€27k€-21k▼
Profit (loss) for the period to be appropriated9905€27k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€10k▼
Profit (loss) brought forward from the previous period14P€24k€31k▲
Profit to be distributed694/7€20k-
Directors or managers695€20k-
The notes to these accounts (4 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
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
31-03
Financial
Weakest financial yearnet €-21k ▼176%
Net result drops to €-21k, the lowest in the series.
2024
08-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 374 days late
04-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
31-03
Financial
Highest result since 2021net €27k ▲26.6%
Operating result €37k, net result €27k, both a record.
2023
31-03
Financial
Liquidity triplescurrent ratio 3.16
Current ratio from 1.23 to 3.16; short-term debt falls from €31k to €13k.
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2021
17-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 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, Dilbeek · 1 establishment unit since 2020
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.
Merelzanglaan 261701 DilbeekGround area
1,041 m²
Building footprint
151 m²
Volume, LiDAR
971 m³
Parcel 23037B0260/00H004, Flanders · tallest building 15.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Merelzanglaan 26, 1701 Dilbeek
since 20202.299.800.120
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23037B0260/00H004 | Flanders | 1,041 m² | 1 · 151 m² | 15.3 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.
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Of 1,509 companies in sector 66199 we hold annual accounts for 918. 374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2020
Fiscal year end31-03
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.