BOBAL
ActiveBOBAL has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €874k and a net result of €140k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 69% of 2244 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-20
Solvency98▲+22
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.27 in 2024), and 36% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
64%
Return on assets
10.2%
Age of the figures
16 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 21-08-2025, 101 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
101 d early
2024
80 d early
2023
78 d early
2022
57 d early
2021
57 d early
2019
36 d early
2018
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close10-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€874k▲ 19.0%
2024 · €734k
2018: €195k
2019: €341k
2021: €659k
2022: €723k
2023: €685k
2024: €734k
2018 → 2025
Total assets
€1.37M▼ 11.9%
2024 · €1.55M
2018: €2.01M
2019: €1.42M
2021: €1.73M
2022: €1.72M
2023: €1.70M
2024: €1.55M
2018 → 2025
Net result
€140k▼ 60.0%
2024 · €349k
2018: €-105k
2019: €146k
2021: €518k
2022: €264k
2023: €263k
2024: €349k
2018 → 2025
Working capital
€471k▲ 117%
2024 · €217k
2018: €-761k
2019: €-532k
2021: €-69k
2022: €83k
2023: €175k
2024: €217k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€659k-€723k▲ 9.6%€685k▼ 5.1%€734k▲ 7.2%€874k▲ 19.0%
Operating result€740k-€384k▼ 48.1%€382k▼ 0.5%€489k▲ 27.9%€213k▼ 56.5%
Net result€518k-€264k▼ 49.1%€263k▼ 0.3%€349k▲ 32.8%€140k▼ 60.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.37M
Fixed assets
€403k▼ 22.1%
Current assets
€964k▼ 6.8%
Equity and liabilities €1.37M
Equity
€874k▲ 19.0%
Debt
€492k▼ 39.7%
The debt ratio falls from 52.6% to 36.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€350k▼
2024 · €607k
Cash flow
€277k▼
2024 · €467k
Solvency
64.0%▲
2024 · 47.4%
Current ratio
1.96▲
2024 · 1.27
Quick ratio
1.22▲
2024 · 0.81
Debt / equity
0.56▼
2024 · 1.11
ROE
16.0%▼
2024 · 47.5%
ROA
10.2%▼
2024 · 22.5%
Interest coverage
11.30▼
2024 · 17.98
Debt
€492k▼
2024 · €816k
Debt ≤ 1 year
€492k▼
2024 · €816k
Income taxes
€52k▼
2024 · €115k
Staff costs
€859k▲
2024 · €840k
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€1.55M€1.37M▼
Fixed assets21/28€517k€403k▼
Intangible fixed assets21€93k€64k▼
Tangible fixed assets22/27€424k€339k▼
Plant, machinery and equipment23€307k€240k▼
Furniture and vehicles24€115k€89k▼
Other tangible fixed assets26€1k€11k▲
Current assets29/58€1.03M€964k▼
Stocks and contracts in progress3€369k€363k▼
Stocks30/36€369k€363k▼
Amounts receivable within one year40/41€336k€97k▼
Trade receivables40€31k€46k▲
Other amounts receivable41€305k€51k▼
Cash at bank and in hand54/58€325k€502k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.55M€1.37M▼
Equity10/15€734k€874k▲
Contributions10/11€300k€300k=
Capital10€300k€300k=
Issued capital100€300k€300k=
Reserves13€30k€30k=
Non-distributable reserves130/1€30k€30k=
Legal reserve130€30k€30k=
Profit (loss) carried forward14€404k€544k▲
Amounts payable17/49€816k€492k▼
Amounts payable within one year42/48€816k€492k▼
Trade debts44€324k€311k▼
Suppliers440/4€324k€311k▼
Taxes, remuneration and social security45€192k€181k▼
Taxes450/3€26k€18k▼
Remuneration and social security454/9€166k€163k▼
Other amounts payable47/48€300k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€840k€859k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€118k€137k▲
Other operating charges640/8€18k€7k▼
Gross operating margin9900€1.47M€1.22M▼
Operating profit (loss)9901€489k€213k▼
Financial income75/76B€9k€9k▲
Recurring financial income75€9k€9k▲
Financial charges65/66B€34k€31k▼
Recurring financial charges65€34k€31k▼
Profit (loss) for the period before taxes9903€464k€191k▼
Income taxes67/77€115k€52k▼
Profit (loss) for the period9904€349k€140k▼
Profit (loss) for the period to be appropriated9905€349k€140k▼
Appropriation of the result
Profit (loss) to be appropriated9906€704k€544k▼
Profit (loss) brought forward from the previous period14P€355k€404k▲
Profit to be distributed694/7€300k€0▼
Return on contributions (dividend)694€300k€0▼
Social balance
Average headcount (FTE)908722.022.8▲
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
Next filing, fiscal year 2026, expected by
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-04
Financial
Highest result since 2018net €518k ▲255%
Operating result €740k, net result €518k, both a record.
30-04
Financial
Equity above €500kEq €659k ▲93.1%
2 profitable years in a row build equity to €659k.
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €146k
Net result €146k after one loss-making year.
31-12
Financial
Equity above €200kEq €341k ▲74.7%
Equity rises from €195k to €341k.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
no sitting director, last change in 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-01-2020
Resigned as Director
Not every act has been read: a resignation may be missing here
3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Putte · 1 establishment unit since 2017
Ground area
7,814 m²
Building footprint
334 m²
Volume, LiDAR
1,600 m³
Parcel 12029C0826/00G000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOBAL
since 20172.264.437.977
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029C0826/00G000 | Flanders | 7,814 m² | 1 · 334 m² | 8.0 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.
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
Similar companies · same sector, comparable size
THE FACTORY
BE 0477.626.218
De Panne · Eq €874k
STRABUONO
BE 0753.672.380
Vorst · Eq €873k
MERA-CLAEYS
BE 0872.885.578
Oostkamp · Eq €873k
MATOCO
BE 0832.753.116
Aarschot · Eq €876k
Superette Paulette
BE 1008.002.818
Roeselare · Eq €872k
Of 10,407 companies in sector 47110 we hold annual accounts for 5,786. 2,386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-04-2017
Fiscal year end30-04
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.