Bnbe
ActiveSummary
The computed 12-month bankruptcy probability of Bnbe is 1.7% (moderate). The 2025 annual accounts show equity of €48,203 and a net result of -€17,154. Equity is growing by about 88% per year across the filed financial years. Its solvency ranks better than 18% of 553 sector peers (NACE 79, financial year 2025). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Staff
- 1.7 FTE
- Equity
- €48,203
- Loss
- -€17,154
- SON Jean-MarcDirector
- SYTS BrianDirector
- Toussaint COLOMBANIDirector
Why 54raises risk2 of the last 3 late1 change of registered office in 24 monthsEquity €48,203 (6.8% of total assets)lowers riskSize: total assets €709,510Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 79, micro): better than 17% on solvency, 41% on liquidity, 22% on profitability and 16% on growth.
The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 40 days after the deadline; the sector median (NACE 79) for financial year 2024 is 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet -€17,154
- Appointment: Toussaint COLOMBANI (director)Shareholding · Share transfer
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result turns negative in 2025: a loss of €2,999 after €69,584 in 2024, the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 79, Travel agency, tour operator and other reservation service and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 849 companies that looked in July 2024 the way this one looks now, 4.7% went bankrupt within 24 months and 91.9% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a small loss
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 849 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €14,602 | €44,750 | €88,071 | €71,087 | €79,795 | ▲ 12.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €894 | €795 | €810 | €1,082 | €1,379 | €1,895 | €16,463 | ▲ 769% |
| Other operating charges640/8 | - | - | €957 | €2,610 | €1,311 | €1,619 | €145 | ▼ 91.0% |
| Gross operating margin9900 | €13,659 | €15,286 | €18,934 | €67,291 | €131,805 | €144,185 | €93,403 | ▼ 35.2% |
| Operating profit (loss)9901 | €304 | €2,214 | €2,565 | €18,848 | €41,044 | €69,584 | -€2,999 | - |
| Financial income75/76B | - | - | €0 | - | - | - | - | - |
| Recurring financial income75 | €100 | €41 | €0 | - | - | - | - | - |
| Financial charges65/66B | - | - | €1,841 | €1,256 | €1,038 | €345 | €13,571 | ▲ 39× |
| Recurring financial charges65 | €754 | €1,698 | €1,841 | €1,256 | €1,038 | €345 | €13,571 | ▲ 39× |
| Profit (loss) for the period before taxes9903 | -€349 | €557 | €724 | €17,592 | €40,006 | €69,239 | -€16,570 | - |
| Income taxes67/77 | - | - | - | €4,000 | €5,400 | €6,011 | €584 | ▼ 90.3% |
| Profit (loss) for the period9904 | -€349 | €557 | €724 | €13,592 | €34,606 | €63,228 | -€17,154 | - |
| Profit (loss) for the period to be appropriated9905 | -€349 | €557 | €724 | €13,592 | €34,606 | €63,228 | -€17,154 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €30,441 | €48,874 | €67,732 | €141,600 | €255,296 | €358,091 | €709,510 | ▲ 98.1% |
| Fixed assets21/28 | €3,936 | €4,793 | €2,897 | €2,947 | €4,467 | €2,572 | €480,394 | ▲ 187× |
| Tangible fixed assets22/27 | €2,126 | €2,983 | €2,173 | €2,223 | €3,743 | €1,848 | €479,670 | ▲ 260× |
| Land and buildings22 | - | - | - | - | - | - | €453,975 | - |
| Plant, machinery and equipment23 | - | - | - | - | €3,743 | - | €910 | - |
| Furniture and vehicles24 | - | - | €2,173 | €2,223 | - | €1,848 | €24,784 | ▲ 13× |
| Financial fixed assets28 | €1,810 | €1,810 | €724 | €724 | €724 | €724 | €724 | = |
| Current assets29/58 | €26,505 | €44,081 | €64,835 | €138,652 | €250,829 | €355,519 | €229,116 | ▼ 35.6% |
| Stocks and contracts in progress3 | - | - | €5,816 | €15,079 | €26,240 | €19,790 | €15,233 | ▼ 23.0% |
| Stocks30/36 | - | - | €5,816 | €15,079 | €26,240 | €19,790 | €15,233 | ▼ 23.0% |
| Amounts receivable within one year40/41 | €3,925 | €8,576 | €4,630 | €16,750 | €64,466 | €71,544 | €95,131 | ▲ 33.0% |
| Trade receivables40 | - | - | €4,630 | €16,750 | €54,059 | €59,267 | €95,131 | ▲ 60.5% |
| Other amounts receivable41 | - | - | - | - | €10,407 | €12,277 | - | - |
| Cash at bank and in hand54/58 | €22,580 | €35,505 | €54,389 | €106,823 | €160,123 | €264,185 | €118,753 | ▼ 55.0% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €30,441 | €48,874 | €67,732 | €141,600 | €255,296 | €358,091 | €709,510 | ▲ 98.1% |
| Equity10/15 | €2,651 | €3,207 | €3,931 | €17,522 | €52,129 | €65,357 | €48,203 | ▼ 26.2% |
| Contributions10/11 | €3,000 | - | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€349 | €207 | €931 | €14,522 | €49,129 | €62,357 | €45,203 | ▼ 27.5% |
| Amounts payable17/49 | €27,791 | €45,667 | €63,801 | €124,077 | €203,167 | €292,734 | €661,307 | ▲ 126% |
| Amounts payable after more than one year17 | €12,383 | €26,313 | €7,534 | €2,799 | - | - | €392,367 | - |
| Financial debts170/4 | - | - | €5,987 | €2,786 | - | - | €386,322 | - |
| Other amounts payable178/9 | - | - | €1,547 | €13 | - | - | €6,045 | - |
| Amounts payable within one year42/48 | €15,408 | €19,354 | €56,267 | €121,279 | €202,874 | €287,854 | €268,874 | ▼ 6.6% |
| Current portion of amounts payable after more than one year42 | - | - | €3,052 | €3,201 | €2,786 | - | €24,874 | - |
| Trade debts44 | €8,254 | €3,545 | €2,652 | - | €37,779 | €1,373 | €63,909 | ▲ 47× |
| Suppliers440/4 | - | - | €2,652 | - | €37,779 | €1,373 | €63,909 | ▲ 47× |
| Taxes, remuneration and social security45 | - | - | €9,919 | €39,615 | €52,722 | €60,481 | €48,240 | ▼ 20.2% |
| Taxes450/3 | - | - | €8,922 | €24,333 | €36,907 | €46,957 | €32,566 | ▼ 30.6% |
| Remuneration and social security454/9 | - | - | €997 | €15,282 | €15,815 | €13,524 | €15,674 | ▲ 15.9% |
| Other amounts payable47/48 | - | - | €40,644 | €78,463 | €109,587 | €226,000 | €131,850 | ▼ 41.7% |
| Accrued charges and deferred income492/3 | - | - | - | - | €293 | €4,880 | €66 | ▼ 98.7% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€349 | €557 | €724 | €13,592 | €34,606 | €63,228 | -€17,154 | - |
| + Depreciation and write-downs630 | €894 | €795 | €810 | €1,082 | €1,379 | €1,895 | €16,463 | ▲ 769% |
| Operating cash flow (approximation) | €544 | €1,351 | €1,534 | €14,674 | €35,985 | €65,123 | -€692 | - |
| Investment in fixed assets (approximation) | - | -€1,652 | €1,086 | -€1,133 | -€2,899 | €0 | -€494,284 | - |
| Change in cash | - | €12,925 | €18,884 | €52,434 | €53,300 | €104,062 | -€145,433 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 10-07-2026 | 2026-00278026 |
| 31-12-2024 | micro format | 17-09-2025 | 2025-00496907 |
| 31-12-2023 | micro format | 05-09-2024 | 2024-00450528 |
| 31-12-2022 | micro format | 27-09-2023 | 2023-00455479 |
| 31-12-2021 | micro format | 25-08-2022 | 2022-20360900 |
| 31-12-2020 | micro format | 15-09-2021 | 2021-67300338 |
| 31-12-2019 | micro format | 28-10-2020 | 2020-64500340 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| SON Jean-Marc |
|
| SYTS Brian |
|
| Toussaint COLOMBANI |
|
Owners and capital
Capital and shareholders
- SON Jean-Marc 18 shares
- SYTS Brian 12 shares
- parties not read 6 shares · consideration: à titre onéreux
- Brian SYTS 12 shares
- Jean-Marc SON 18 shares
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 08-01-2024 Converted to unavailable equity · €3,000
Group and network
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
19-12
Gazette deed
Appointment: Toussaint COLOMBANI (director)Shareholding · Share transfer4 facts ▸
- General meeting, 04-12-2025
- Shareholding, 04-12-2025, “actions” (deed in French) (2 times)
- Director appointment, Toussaint COLOMBANI (director)
- Share transfer
25-09
Gazette deed
Registered office · Capital & sharesShareholding · Director in office · Registered-office move6 facts ▸
- General meeting, 15-09-2025
- Shareholding, 15-09-2025, 12
- Shareholding, 15-09-2025, 18
- Director in office, Jean-Marc SON (chair)
- Registered-office move, 550 bte C2 Grand'Route 1428 Braine-L'Alleud
- Other provision, “l'administrateur, mandate for publication” (deed in French)
08-01
Gazette deed
Resignations: SON Jean-Marc (manager) and SYTS Brian (manager)Appointments: SON Jean-Marc (director) and SYTS Brian (director) · Amendment of the articles · Capital conversion16 facts ▸
- General meeting, 04-12-2023
- Amendment of the articles (2 times)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Other provision, “suppression du compte de capitaux propres statutairement indisponible, supprimer et rendre disponible pour distribution” (deed in French)
- Purpose change
- Capital
- Other provision, “cession d'actions, on omet” (deed in French)
- Director resignation, SON Jean-Marc (manager)
- Director resignation, SYTS Brian (manager)
- Director appointment, SON Jean-Marc (director (not named in the articles))
- Director appointment, SYTS Brian (director (not named in the articles))
- Director discharge, SON Jean-Marc
- +4 further facts in this act
About the unread acts
Of the 6 Belgian Official Gazette deeds we know for this company, 3 have been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
4 establishment units
3 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25054B0253/00R000 | Wallonia | 1.5 ha | - | - |
| 25014N0775/00E011 | Wallonia | 1,047 m² | 1 · 73 m² | - |
| 62108A0316/00V002 | Wallonia | 194 m² | 1 · 167 m² | - |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La création,la gestion,et l'exploitation de sites internet et d'applications mobiles natives ainsi que la gestion et l’exploitation de sites…” (deed in French)
7 activities (deed in French)
- La création,la gestion,et l'exploitation de sites internet et d'applications mobiles natives ainsi que la gestion et l’exploitation de sites internet et d'applications mobiles tierces dans le but,notamment,de mettre en relation des propriétaires de biens immobiliers,personnes physiques ou morales,avec des prestataires de services,personnes physiques ou morales.Cette mise en relation peut inclure la réalisation de prestations de conciergerie ou connexes par le biais de plateformes en ligne.
- Elle peut organiser,promouvoir et vendre séminaires,conférences,événements,formations,réunions de soutien et de consultation rattachés à l’objet visé ci-dessus ou connexes à celui-ci.
- La société pourra également procéder à toute prise de tous intérêts et participation,sous quelque forme que ce soit,directement ou indirectement,à toutes opérations pouvant se rattacher à son objet dans toutes entreprises similaires ou complémentaires par voie de création de Sociétés nouvelles,d’apport,de souscription ou d’achat de titres ou droits sociaux,de fusion ou autrement,de création,d’acquisition,de location,de prise en location-gérance de tous fonds de commerce ou établissement,
- Elle dispose,d’une manière générale,d’une pleine capacité juridique pour accomplir tous les actes et opérations généralement quelconques,de nature commerciale,industrielle,financière,mobilière,ou immobilière,ayant un rapport direct ou indirect avec son objet social ou qui seraient de nature à faciliter directement ou indirectement,entièrement ou partiellement,la réalisation de cet objet.
- Elle peut s’intéresser par voie d’association,d’apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l’objet est identique,analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés.
- La société pourra prendre la direction et le contrôle,en sa qualité d’administrateur,liquidateur ou autrement,d’autres sociétés et leur prodiguer des avis.
- Elle peut se porter caution au profit de ses propres administrateurs et associés.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Bnbe
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, faire constater authentiquement la modification statutaire” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Organe d'administration, assemblée qui nomme fixe nombre, durée du mandat et, en cas de pluralité, pouvoirs” (deed in French)“Administrateurs, si rémunéré montant fixe ou proportionnel déterminé par assemblée générale statuant à majorité absolue des voix” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Friday of June at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Formes prévues pour modifications aux statuts, assemblée générale” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Faculté assemblée générale de désigner liquidateurs et déterminer pouvoirs et émoluments, dissolution pour quelque cause et à quelque moment” (deed in French)