BNK GROUP
ActiveBNK GROUP has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €98k and a net result of €-26k. Equity is growing by ~62.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 19356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability12▼-40
Solvency45▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 2.04 in 2023; short-term debt: 49.8% and cash: 2.3% of total assets), but 79.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
20.2%
Return on assets
-5.5%
Age of the figures
21 mo
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
69 d late
2022
52 d late
2021
149 d late
2020
52 d late
2019
52 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€196k
EBIT margin
16.5%
Net result
€-26k
2023 · €58k
2018: €-27k
2019: €27k
2020: €3k
2021: €4k
2022: €38k
2023: €58k
2018 → 2024
Working capital
€205k▼ 3.3%
2023 · €212k
2018: €-29k
2019: €-3k
2020: €-21k
2021: €-39k
2022: €454k
2023: €212k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€25k-€29k▲ 17.4%€67k▲ 131%€124k▲ 86.7%€98k▼ 21.2%
Operating result€15k-€19k▲ 25.6%€95k▲ 405%€133k▲ 40.6%€-20k
Net result€3k-€4k▲ 39.6%€38k▲ 782%€58k▲ 53.0%€-26k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €20k after €133k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €484k
Fixed assets
€38k▼ 93.3%
Current assets
€446k▲ 7.3%
Equity and liabilities €484k
Equity
€98k▼ 21.2%
Debt
€386k▼ 55.4%
The debt ratio falls from 87.4% to 79.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2023 · €152k
Cash flow
€-16k▼
2023 · €77k
Solvency
20.2%▲
2023 · 12.6%
Current ratio
1.85▼
2023 · 2.04
Quick ratio
0.42▲
2023 · 0.05
Debt / equity
3.94▼
2023 · 6.96
ROE
-26.9%▼
2023 · 46.4%
ROA
-5.5%▼
2023 · 5.8%
Interest coverage
-1.22▼
2023 · 3.11
Debt
€386k▼
2023 · €865k
Debt ≤ 1 year
€241k▲
2023 · €204k
Debt > 1 year
€145k▼
2023 · €661k
Income taxes
€176▼
2023 · €27k
Staff costs
€0▼
2023 · €504
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€989k€484k▼
Fixed assets21/28€574k€38k▼
Tangible fixed assets22/27€570k€34k▼
Land and buildings22€544k€0▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€24k€17k▼
Leasing and similar rights25-€15k
Financial fixed assets28€4k€4k=
Current assets29/58€415k€446k▲
Stocks and contracts in progress3€406k€344k▼
Stocks30/36€406k€344k▼
Amounts receivable within one year40/41€8k€91k▲
Trade receivables40€4k€88k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€2k€11k▲
Equity and liabilities
Total equity and liabilities10/49€989k€484k▼
Equity10/15€124k€98k▼
Contributions10/11€19k€19k=
Reserves13€55k€55k=
Non-distributable reserves130/1€443€443▲
Reserves not available under the articles1311€443€443▲
Distributable reserves133€55k€55k=
Profit (loss) carried forward14€50k€24k▼
Amounts payable17/49€865k€386k▼
Amounts payable after more than one year17€661k€145k▼
Financial debts170/4€661k€145k▼
Amounts payable within one year42/48€204k€241k▲
Current portion of amounts payable after more than one year42€5k€0▼
Financial debts43€40k€25k▼
Credit institutions430/8-€0
Other loans439€40k€25k▼
Trade debts44€40k€0▼
Suppliers440/4€40k€0▼
Advances received on contracts in progress46-€115k
Taxes, remuneration and social security45€34k€34k▲
Taxes450/3€34k€34k▲
Other amounts payable47/48€85k€67k▼
Income statement
Code20232024
Non-recurring operating income76A-€50k
Remuneration, social security and pensions62€504€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€11k▼
Other operating charges640/8€12k€3k▼
Non-recurring operating charges66A-€34k
Gross operating margin9900€164k€28k▼
Operating profit (loss)9901€133k€-20k▼
Financial income75/76B-€793
Recurring financial income75-€793
Financial charges65/66B€49k€7k▼
Recurring financial charges65€49k€7k▼
Profit (loss) for the period before taxes9903€84k€-26k▼
Income taxes67/77€27k€176▼
Profit (loss) for the period9904€58k€-26k▼
Profit (loss) for the period to be appropriated9905€58k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€24k▼
Profit (loss) brought forward from the previous period14P€13k€50k▲
Transfer to equity691/2€20k€0▼
To other reserves6921€20k€0▼
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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Highest result since 2018net €58k ▲53%
Operating result €133k, net result €58k, both a record.
31-12
Financial
Equity above €100kEq €124k ▲86.7%
5 profitable years in a row build equity to €124k.
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 52 days late
2022
31-12
Financial
Liquidity times 6current ratio 3.20
Current ratio from 0.52 to 3.20.
27-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 149 days late
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 52 days late
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 118 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Aartselaar · 1 establishment unit since 2014
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.
Kontichsesteenweg 22630 AartselaarGround area
756 m²
Building footprint
95 m²
Volume, LiDAR
593 m³
Parcel 11001B0114/00R003, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BNK GROUP
since 20142.235.623.633
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0114/00R003 | Flanders | 756 m² | 1 · 95 m² | 8.3 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.
Similar companies · same sector, comparable size
ABISZ
BE 0502.636.776
Aalter · Eq €98k
COMMOR INVEST
BE 0735.413.913
Elsene · Eq €98k
Equip3
BE 0669.637.619
Seneffe · Eq €98k
UNBUILT
BE 0567.898.574
Gent · Eq €98k
PROJEKT³
BE 0880.819.782
Boom · Eq €98k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,381. 5,298 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2014
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70200Business and other management consultancy
43320Joinery installation
66220Insurance agents and brokers
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.