BNBREATHE
ActiveBNBREATHE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €40k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 16.56 against 7.26 in 2024; short-term debt: 5.8% and cash: 84.3% of total assets), and 5.8% 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.
−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 62
Relative position
BE, all sectors
reference
Sector 62
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
94.2%
Return on assets
39.5%
Age of the figures
9 mo
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 13-05-2026, 79 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
79 d early
2024
31 d early
2023
38 d early
2022
32 d early
2021
9 d early
2020
7 d late
2019
8 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 72.2%
2024 · €56k
2018: €25k
2019: €56k
2020: €48k
2021: €68k
2022: €85k
2023: €104k
2024: €56k
2018 → 2025
Total assets
€102k▲ 58.6%
2024 · €64k
2018: €26k
2019: €73k
2020: €62k
2021: €72k
2022: €96k
2023: €114k
2024: €64k
2018 → 2025
Net result
€40k▲ 26.4%
2024 · €32k
2018: €13k
2019: €31k
2020: €-8k
2021: €21k
2022: €11k
2023: €19k
2024: €32k
2018 → 2025
Working capital
€92k▲ 72.1%
2024 · €53k
2018: €24k
2019: €55k
2020: €48k
2021: €68k
2022: €85k
2023: €101k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€85k▲ 24.5%€104k▲ 21.9%€56k▼ 46.3%€96k▲ 72.2%
Operating result€23k-€14k▼ 42.3%€23k▲ 73.7%€41k▲ 73.4%€51k▲ 26.0%
Net result€21k-€11k▼ 48.6%€19k▲ 76.5%€32k▲ 70.7%€40k▲ 26.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€4k▲ 73.6%
Current assets
€98k▲ 58.0%
Equity and liabilities €102k
Equity
€96k▲ 72.2%
Debt
€6k▼ 30.8%
The debt ratio falls from 13.2% to 5.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €41k
Cash flow
€41k▲
2024 · €32k
Solvency
94.2%▲
2024 · 86.8%
Current ratio
16.56▲
2024 · 7.26
Quick ratio
16.56▲
2024 · 7.26
Debt / equity
0.06▼
2024 · 0.15
ROE
41.9%▼
2024 · 57.1%
ROA
39.5%▼
2024 · 49.6%
Interest coverage
280.83▲
2024 · 208.56
Debt
€6k▼
2024 · €9k
Debt ≤ 1 year
€6k▼
2024 · €9k
Income taxes
€11k▲
2024 · €9k
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€64k€102k▲
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27€2k€4k▲
Furniture and vehicles24€340€2k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€62k€98k▲
Amounts receivable within one year40/41€230€12k▲
Trade receivables40-€9k
Other amounts receivable41€230€3k▲
Cash at bank and in hand54/58€61k€86k▲
Deferred charges and accrued income490/1€710-
Equity and liabilities
Total equity and liabilities10/49€64k€102k▲
Equity10/15€56k€96k▲
Contributions10/11€20k€20k=
Reserves13€35k€75k▲
Distributable reserves133€35k€75k▲
Profit (loss) carried forward14€330€609▲
Amounts payable17/49€9k€6k▼
Amounts payable within one year42/48€9k€6k▼
Trade debts44€12€3k▲
Suppliers440/4€12€3k▲
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€9k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€548€585▲
Gross operating margin9900€41k€52k▲
Operating profit (loss)9901€41k€51k▲
Financial income75/76B€7€51▲
Recurring financial income75€7€51▲
Financial charges65/66B€198€185▼
Recurring financial charges65€198€185▼
Profit (loss) for the period before taxes9903€41k€51k▲
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€32k€40k▲
Profit (loss) for the period to be appropriated9905€32k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€41k▲
Profit (loss) brought forward from the previous period14P€451€330▼
Transfer from equity791/2€80k-
Transfer to equity691/2€32k€40k▲
To other reserves6921€32k€40k▲
Profit to be distributed694/7€80k-
Return on contributions (dividend)694€80k-
The notes to these accounts (8 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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €40k ▲26.4%
Operating result €51k, net result €40k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 16.56
Current ratio from 7.26 to 16.56; short-term debt falls from €9k to €6k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €104k ▲21.9%
3 profitable years in a row build equity to €104k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 20.63
Current ratio from 4.43 to 20.63; short-term debt falls from €14k to €3k.
07-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 7 days late
2020
31-12
Financial
Weakest financial yearnet €-8k ▼127%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
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
2 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, Elsene · 1 establishment unit since 2017
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.
Louizalaan 541050 ElseneGround area
1,625 m²
Building footprint
1,286 m²
Volume, LiDAR
34,999 m³
Parcel 21807G0001/00L000, Brussels · tallest building 33.9 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
BnBreathe
since 20172.269.684.192
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0001/00L000 | Brussels | 1,625 m² | 1 · 1,286 m² | 33.9 m · 9 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 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2017
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.