BNX

Active

Private limited companyfounded 20178 yrs activeOphemstraat 57, 3050 Oud-Heverlee, BelgiumKBO/BCE: BE 0686.853.931

The computed 12-month bankruptcy probability of BNX is 1.6% (moderate). The 2025 annual accounts show equity of €270k and a net result of €66k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 4467 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent▲ +26 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+50

Solvency91▲+19

Growth78=

Stability100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days acceptable

Liquidity ample (current ratio 1.62 against 1.22 in 2024), and 36.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

63.9%

Return on assets

15.6%

Age of the figures

11 mo

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

NBB · annual accounts 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year €270k

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

31 d early

2024

30 d early

2023

35 d early

2022

30 d late

2021

25 d late

2020

56 d early

2019

44 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

13-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€172k

EBIT margin

10.8%

Net result

€66k▲ 223%

2024 · €20k

2019: €-50k 2020: €-7k 2021: €18k 2022: €80k 2023: €124k 2024: €20k

2019 → 2025

Working capital

€93k▲ 96.3%

2024 · €47k

2019: €-66k 2020: €-65k 2021: €-31k 2022: €1k 2023: €95k 2024: €47k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€172k-

Equity€-19k-€60k€184k▲ 205%€205k▲ 11.1%€270k▲ 32.2%

Operating result€19k-€81k▲ 334%€173k▲ 114%€42k▼ 75.7%€75k▲ 78.9%

Net result€18k-€80k▲ 331%€124k▲ 55.3%€20k▼ 83.5%€66k▲ 223%

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 2025; 2025 is 79% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €423k

42.8%

57.2%

Fixed assets €181k▼ 11.5%

Current assets €242k▼ 6.4%

Equity and liabilities €423k

63.9%

36.1%

Equity €270k▲ 32.2%

Provisions €0▼ 100%

Debt €153k▼ 35.8%

The debt ratio falls from 51.4% to 36.1%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€144k▲

2024 · €143k

Cash flow

€135k▲

2024 · €122k

Solvency

63.9%▲

2024 · 44.2%

Current ratio

1.62▲

2024 · 1.22

Quick ratio

1.57▲

2024 · 1.16

Debt / equity

0.56▼

2024 · 1.16

ROE

24.3%▲

2024 · 10.0%

ROA

15.6%▲

2024 · 4.4%

Interest coverage

19.21▼

2024 · 70.60

Debt

€153k▼

2024 · €238k

Debt ≤ 1 year

€149k▼

2024 · €211k

Debt > 1 year

€3k▼

2024 · €27k

Income taxes

€2k▼

2024 · €19k

Staff costs

€328k▲

2024 · €274k

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€463k€423k▼

Fixed assets21/28€204k€181k▼

Tangible fixed assets22/27€204k€181k▼

Land and buildings22€4k€4k▼

Plant, machinery and equipment23€996€677▼

Furniture and vehicles24€167k€176k▲

Leasing and similar rights25€32k€0▼

Current assets29/58€258k€242k▼

Stocks and contracts in progress3€13k€8k▼

Contracts in progress37€13k€8k▼

Amounts receivable within one year40/41€19k€59k▲

Trade receivables40€16k€59k▲

Other amounts receivable41€3k€352▼

Cash at bank and in hand54/58€226k€175k▼

Equity and liabilities

Total equity and liabilities10/49€463k€423k▼

Equity10/15€205k€270k▲

Contributions10/11€19k€19k=

Reserves13€166k€252k▲

Distributable reserves133€166k€252k▲

Profit (loss) carried forward14€20k€0▼

Provisions and deferred taxes16€21k-

Provisions for liabilities and charges160/5€21k-

Other liabilities and charges164/5€21k-

Amounts payable17/49€238k€153k▼

Amounts payable after more than one year17€27k€3k▼

Financial debts170/4€27k€3k▼

Amounts payable within one year42/48€211k€149k▼

Current portion of amounts payable after more than one year42€74k€42k▼

Trade debts44€10k€7k▼

Suppliers440/4€10k€7k▼

Taxes, remuneration and social security45€9k€38k▲

Taxes450/3€9k€12k▲

Remuneration and social security454/9€0€25k▲

Other amounts payable47/48€118k€62k▼

Accrued charges and deferred income492/3€0-

Income statement Code20242025

Remuneration, social security and pensions62€274k€328k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€101k€69k▼

Provisions for liabilities and charges: additions (uses and reversals)635/8€7k€5k▼

Other operating charges640/8€5k€4k▼

Gross operating margin9900€429k€481k▲

Operating profit (loss)9901€42k€75k▲

Financial charges65/66B€2k€7k▲

Recurring financial charges65€2k€7k▲

Profit (loss) for the period before taxes9903€40k€67k▲

Income taxes67/77€19k€2k▼

Profit (loss) for the period9904€20k€66k▲

Profit (loss) for the period to be appropriated9905€20k€66k▲

Appropriation of the result

Profit (loss) to be appropriated9906€144k€86k▼

Profit (loss) brought forward from the previous period14P€124k€20k▼

Transfer to equity691/2€124k€86k▼

To other reserves6921€124k€86k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 11Financial 4Filings 7

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Equity above €200kEq €205k ▲11.1%

4 profitable years in a row build equity to €205k.

26-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-09

Financial Highest result since 2019net €124k ▲55.3%

Operating result €173k, net result €124k, both a record.

30-09

Financial Equity above €150kEq €184k ▲205%

3 profitable years in a row build equity to €184k.

30-05

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 days late

2022

25-05

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 25 days late

2021

30-09

Financial Back to profitnet €18k

Net result €18k after 2 loss-making years.

05-03

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

17-03

NBB filing Annual accounts filed

fiscal year 2019 · 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, Oud-Heverlee · 2 establishment units since 2018

establishment All 2 establishment units on the map

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.

Ophemstraat 573050 Oud-Heverlee

Ground area

4.7 ha

Building footprint

1,462 m²

Volume, LiDAR

19,518 m³

2 parcels, Flanders · tallest building 22.3 m, ±5 floors. Linked by address, not a title deed.

2 establishment units

AUTO BNX / BNX AUTO

Ophemstraat 57, 3050 Oud-HeverleeNACE 4511301

since 20182.271.696.052

Taxi Leuvense

Martelarenplein 20E, 3000 LeuvenNACE 45206

since 20222.337.477.690

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24062H0036/00L013 ProtectedMonument · Townscape or village viewMartelarenplein en omgevingSource ↗	Flanders	4.6 ha	1 · 1,320 m²	22.3 m · 5 fl.
24086C0118/00W000	Flanders	714 m²	1 · 142 m²	9.8 m · 3 fl.