BONNY FILIP
ActiveBONNY FILIP has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €693k and a net result of €18k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 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
Profitability71▲+2
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.96 against 1.78 in 2024; short-term debt: 6.8% and cash: 19.5% of total assets), and 22.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
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
77.9%
Return on assets
2%
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
45 d early
2023
51 d early
2022
65 d early
2021
44 d early
2020
61 d early
2019
63 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€693k▲ 2.6%
2024 · €675k
2018: €544k
2019: €588k
2020: €568k
2021: €607k
2022: €672k
2023: €674k
2024: €675k
2018 → 2025
Total assets
€889k▲ 0.4%
2024 · €886k
2018: €810k
2019: €849k
2020: €790k
2021: €820k
2022: €911k
2023: €897k
2024: €886k
2018 → 2025
Net result
€18k▲ 1,600%
2024 · €1k
2018: €5k
2019: €45k
2020: €-20k
2021: €40k
2022: €67k
2023: €2k
2024: €1k
2018 → 2025
Working capital
€119k▲ 110%
2024 · €57k
2018: €-335
2019: €62k
2020: €72k
2021: €139k
2022: €19k
2023: €24k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€607k-€672k▲ 10.8%€674k▲ 0.3%€675k▲ 0.2%€693k▲ 2.6%
Operating result€54k-€90k▲ 68.5%€9k▼ 90.2%€7k▼ 16.1%€29k▲ 289%
Net result€40k-€67k▲ 66.6%€2k▼ 96.9%€1k▼ 51.2%€18k▲ 1,600%
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 289% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €889k
Fixed assets
€710k▼ 6.1%
Current assets
€179k▲ 39.0%
Equity and liabilities €889k
Equity
€693k▲ 2.6%
Provisions
€136k▼ 0.4%
Debt
€60k▼ 18.0%
The debt ratio falls from 8.3% to 6.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €65k
Cash flow
€74k▲
2024 · €59k
Solvency
77.9%▲
2024 · 76.3%
Current ratio
2.96▲
2024 · 1.78
Quick ratio
2.96▲
2024 · 1.78
Debt / equity
0.09▼
2024 · 0.11
ROE
2.5%▲
2024 · 0.2%
ROA
2.0%▲
2024 · 0.1%
Interest coverage
17.54▲
2024 · 11.97
Debt
€60k▼
2024 · €74k
Debt ≤ 1 year
€60k▼
2024 · €72k
Income taxes
€8k▲
2024 · €2k
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€886k€889k▲
Fixed assets21/28€757k€710k▼
Tangible fixed assets22/27€751k€710k▼
Land and buildings22€693k€662k▼
Plant, machinery and equipment23€16k€13k▼
Furniture and vehicles24€28k€20k▼
Other tangible fixed assets26€15k€15k=
Financial fixed assets28€6k€360▼
Current assets29/58€129k€179k▲
Amounts receivable within one year40/41€6k€371▼
Trade receivables40€393€339▼
Other amounts receivable41€5k€32▼
Cash at bank and in hand54/58€117k€174k▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€886k€889k▲
Equity10/15€675k€693k▲
Contributions10/11€314k€314k=
Capital10€314k€314k=
Issued capital100€314k€314k=
Reserves13€325k€342k▲
Non-distributable reserves130/1€103k€122k▲
Legal reserve130€31k€31k=
Other1319€72k€91k▲
Tax-exempt reserves132€66k€64k▼
Distributable reserves133€155k€156k▲
Profit (loss) carried forward14€37k€37k=
Provisions and deferred taxes16€136k€136k▼
Provisions for liabilities and charges160/5€125k€125k=
Pensions and similar obligations160€125k€125k=
Deferred taxes168€11k€11k▼
Amounts payable17/49€74k€60k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€72k€60k▼
Current portion of amounts payable after more than one year42€9k€4k▼
Trade debts44€13k€2k▼
Suppliers440/4€13k€2k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€1k€4k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€46k€50k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€57k▼
Other operating charges640/8€13k€13k▼
Gross operating margin9900€78k€98k▲
Operating profit (loss)9901€7k€29k▲
Financial income75/76B€148€566▲
Recurring financial income75€148€566▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€2k€25k▲
Transfer from deferred taxes780€503€503=
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€1k€18k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€3k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€56k▲
Profit (loss) brought forward from the previous period14P€37k€37k=
Transfer to equity691/2€3k€20k▲
To other reserves6921€3k€20k▲
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €67k ▲66.6%
Operating result €90k, net result €67k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-20k ▼143%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalst · 1 establishment unit since 1992
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.
Veldstraat 129300 AalstGround area
196 m²
Building footprint
90 m²
Volume, LiDAR
801 m³
Parcel 41302C1003/00N003, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Veldstraat 12, 9300 Aalst
since 19922.058.681.478
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41302C1003/00N003 | Flanders | 196 m² | 1 · 90 m² | 13.2 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 223 EUR awarded · 223 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 32 EUR | 32 EUR |
| 2024 | 1 | 78 EUR | 78 EUR |
| 2023 | 1 | 59 EUR | 59 EUR |
| 2022 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,750 companies in sector 68310 we hold annual accounts for 6,907. 4,199 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-08-1992
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.
Contact details
2 entriesWebsite:www.bonny.be
E-mail:filip@bonny.be