BNI
ActiveSummary
The computed 12-month bankruptcy probability of BNI is 2.1% (moderate). The 2024 annual accounts show equity of €75k and a net result of €17k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 79% of 727 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability92▲+5
Solvency90▲+19
Growth61▲+18
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.27 in 2023; short-term debt: 34.9% and cash: 3.3% of total assets), and 34.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 53
Relative position
BE, all sectors
reference
Postal and courier activities (NACE 53)
about 277% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
86 d late
2022
7 d late
2021
75 d late
2020
30 d late
2019
206 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€104k▲ 3.3%
2023 · €101k
EBIT margin
20.6%▲ 1.9pp
2023 · 18.7%
Net result
€17k▲ 48.0%
2023 · €12k
Working capital
€41k▲ 126%
2023 · €18k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€112k▼ 11.0%€97k▼ 13.5%€127k▲ 30.9%€101k▼ 20.2%€104k▲ 3.3%
Operating result€13k▲ 25.5%€8k▼ 39.6%€25k▲ 223%€19k▼ 25.4%€21k▲ 13.5%
Net result€12k▲ 50.4%€2k▼ 85.2%€1k▼ 32.4%€12k▲ 838%€17k▲ 48.0%
EBIT margin11.6%▲ 3.4pp8.1%▼ 3.5pp20.0%▲ 11.9pp18.7%▼ 1.3pp20.6%▲ 1.9pp
Equity€40k▲ 44.2%€45k▲ 11.8%€46k▲ 2.7%€58k▲ 25.0%€75k▲ 29.6%
Total assets€94k▲ 23.1%€82k▼ 12.5%€73k▼ 11.8%€125k▲ 72.1%€115k▼ 7.9%
Debt€54k▲ 10.9%€37k▼ 30.7%€26k▼ 29.3%€67k▲ 154%€40k▼ 40.2%
Working capital€24k▲ 4,218%€31k▲ 30.2%€40k▲ 30.1%€18k▼ 54.8%€41k▲ 126%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 13% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €115k
Fixed assets
€34k ▼ 14.8%
Current assets
€82k ▼ 4.8%
Equity and liabilities €115k
Equity
€75k ▲ 29.6%
Debt
€40k ▼ 40.2%
Debt's share of the balance-sheet total falls from 53.8% to 34.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2023 · €27k
Cash flow
€23k▲
2023 · €20k
Current ratio
2.03▲
2023 · 1.27
Debt to equity
0.54▼
2023 · 1.16
ROE
22.8%▲
2023 · 20.0%
ROA
14.9%▲
2023 · 9.2%
Interest coverage
6.26▼
2023 · 6.80
Debt ≤ 1 year
€40k▼
2023 · €67k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €112k | €97k | €127k | €101k | €104k | ▲ 3.3% |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €73k | €77k | ▲ 5.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €13k | €10k | €8k | €6k | ▼ 27.0% |
| Other operating charges640/8 | - | €876 | €1k | €950 | - | - |
| Gross operating margin9900 | €24k | €21k | €37k | €28k | €27k | ▼ 2.0% |
| Operating profit (loss)9901 | €13k | €8k | €25k | €19k | €21k | ▲ 13.5% |
| Financial income75/76B | - | - | €463 | €3 | €0 | ▼ 94.1% |
| Recurring financial income75 | - | - | €463 | €3 | €0 | ▼ 94.1% |
| Financial charges65/66B | - | €3k | €13k | €4k | €4k | ▲ 10.3% |
| Recurring financial charges65 | €654 | €3k | €13k | €4k | €4k | ▲ 10.3% |
| Profit (loss) for the period before taxes9903 | €12k | €5k | €13k | €15k | €17k | ▲ 14.3% |
| Income taxes67/77 | - | €3k | €12k | €3k | - | - |
| Profit (loss) for the period9904 | €12k | €2k | €1k | €12k | €17k | ▲ 48.0% |
| Profit (loss) for the period to be appropriated9905 | €12k | €2k | €1k | €12k | €17k | ▲ 48.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €94k | €82k | €73k | €125k | €115k | ▼ 7.9% |
| Fixed assets21/28 | €16k | €14k | €6k | €40k | €34k | ▼ 14.8% |
| Tangible fixed assets22/27 | €16k | €14k | €6k | €39k | €34k | ▼ 14.8% |
| Land and buildings22 | - | €3k | €2k | €1k | €716 | ▼ 50.0% |
| Plant, machinery and equipment23 | - | - | €1k | €36k | €31k | ▼ 12.8% |
| Furniture and vehicles24 | - | €11k | €2k | €2k | €2k | ▼ 25.0% |
| Financial fixed assets28 | €100 | €100 | €100 | €100 | €100 | = |
| Current assets29/58 | €78k | €69k | €67k | €86k | €82k | ▼ 4.8% |
| Amounts receivable after more than one year29 | - | €40k | €40k | €40k | €40k | = |
| Other amounts receivable291 | - | €40k | €40k | €40k | €40k | = |
| Amounts receivable within one year40/41 | €74k | €25k | €15k | €32k | €31k | ▼ 5.1% |
| Trade receivables40 | - | €14k | €14k | €27k | €26k | ▼ 2.6% |
| Other amounts receivable41 | - | €11k | €1k | €6k | €5k | ▼ 16.4% |
| Cash at bank and in hand54/58 | €3k | €3k | €5k | €6k | €4k | ▼ 39.7% |
| Deferred charges and accrued income490/1 | - | €851 | €7k | €7k | €7k | ▲ 1.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €94k | €82k | €73k | €125k | €115k | ▼ 7.9% |
| Equity10/15 | €40k | €45k | €46k | €58k | €75k | ▲ 29.6% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | €19k | - | €19k | - |
| Issued capital100 | - | €19k | €19k | - | €19k | - |
| Profit (loss) carried forward14 | €22k | €26k | €28k | €39k | €56k | ▲ 43.6% |
| Amounts payable17/49 | €54k | €37k | €26k | €67k | €40k | ▼ 40.2% |
| Amounts payable within one year42/48 | €54k | €37k | €26k | €67k | €40k | ▼ 40.2% |
| Financial debts43 | - | €21k | €13k | €45k | €34k | ▼ 24.9% |
| Credit institutions430/8 | - | €21k | €13k | €45k | €34k | ▼ 24.9% |
| Trade debts44 | €24k | €15k | €13k | €18k | €6k | ▼ 64.4% |
| Suppliers440/4 | - | €15k | €13k | €18k | €6k | ▼ 64.4% |
| Taxes, remuneration and social security45 | - | - | - | €5k | €281 | ▼ 94.1% |
| Taxes450/3 | - | - | - | €5k | €281 | ▼ 94.1% |
| Other amounts payable47/48 | - | €1k | €724 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €2k | €1k | €12k | €17k | ▲ 48.0% |
| + Depreciation and write-downs630 | €11k | €13k | €10k | €8k | €6k | ▼ 27.0% |
| Operating cash flow (approximation) | €23k | €14k | €11k | €20k | €23k | ▲ 17.3% |
| Investment in fixed assets (approximation) | - | €-10k | €-2k | €-42k | €0 | ▲ 100% |
| Change in cash | - | €-89 | €2k | €2k | €-3k | ▼ 244% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Highest result since 2018net €17k ▲48%
Net result €17k, the highest in the series.
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 86 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Weakest financial yearnet €1k ▼32.4%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 206 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 177 days late
2018
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 207 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Hannut · 1 establishment unit since 2009
Ground area
2,128 m²
Building footprint
211 m²
Volume, LiDAR
903 m³
Parcel 64072A0605/00V000, Wallonia · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BNI
since 20092.181.269.979
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64072A0605/00V000 | Wallonia | 2,128 m² | 1 · 211 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
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Of 4,921 companies in sector 53200 we hold annual accounts for 1,322. 1,069 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-09-2009
Fiscal year end31-12
Activities, NACEBEL 2025
53200Other postal and courier activities
46711Wholesale of cars and light vans (up to 3.5 tonnes)
46712
Scores and ratios are computed by Checked and are not a credit decision.