Bpensio
ActiveBpensio has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €-4k. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-63
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 6.73 against 7.65 in 2024; short-term debt: 13.5% and cash: 39.1% of total assets), and 13.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
86.5%
Return on assets
-23.5%
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
100 d early
2023
82 d early
2022
84 d early
2021
75 d early
2020
60 d early
2019
22 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€38k
EBIT margin
7.6%
Net result
€-4k
2024 · €2k
2018: €11k
2019: €5k
2020: €-361
2021: €13k
2022: €-452
2023: €-2k
2024: €2k
2018 → 2025
Working capital
€13k▼ 29.6%
2024 · €19k
2018: €17k
2019: €23k
2020: €26k
2021: €19k
2022: €19k
2023: €16k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€38k
Equity€20k-€20k▼ 2.2%€16k▼ 16.7%€19k▲ 13.3%€15k▼ 21.4%
Operating result€14k-€582▼ 95.9%€-3k€3k€-4k
Net result€13k-€-452€-2k▼ 452%€2k€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€2k
Current assets
€15k
Equity and liabilities €17k
Equity
€15k▼ 21.4%
Debt
€2k▼ 18.2%
The debt ratio rises from 13.1% to 13.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k
Cash flow
€-4k
Solvency
86.5%▼
2024 · 86.9%
Current ratio
6.73▼
2024 · 7.65
Quick ratio
6.73▼
2024 · 7.65
Debt / equity
0.16▲
2024 · 0.15
ROE
-27.1%▼
2024 · 11.8%
ROA
-23.5%▼
2024 · 10.2%
Interest coverage
-70.65
Debt
€2k▼
2024 · €3k
Debt ≤ 1 year
€2k▼
2024 · €3k
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€21k€17k▼
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Current assets29/58€21k€15k▼
Amounts receivable within one year40/41€11k€9k▼
Other amounts receivable41€11k€9k▼
Cash at bank and in hand54/58€10k€7k▼
Equity and liabilities
Total equity and liabilities10/49€21k€17k▼
Equity10/15€19k€15k▼
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€16k€12k▼
Amounts payable17/49€3k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€188-
Suppliers440/4€188-
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Income statement
Code20242025
Turnover70€38k-
Goods, raw materials, services and sundry goods60/61€34k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€16
Other operating charges640/8€774€669▼
Non-recurring operating charges66A€83€133▲
Gross operating margin9900€4k€-3k▼
Operating profit (loss)9901€3k€-4k▼
Financial charges65/66B€55€55▲
Recurring financial charges65€55€55▲
Profit (loss) for the period before taxes9903€3k€-4k▼
Income taxes67/77€641-
Profit (loss) for the period9904€2k€-4k▼
Profit (loss) for the period to be appropriated9905€2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€12k▼
Profit (loss) brought forward from the previous period14P€14k€16k▲
The notes to these accounts (4 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-4k ▼282%
Net result drops to €-4k, the lowest in the series.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
10-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 9.57
Current ratio from 3.32 to 9.57; short-term debt falls from €10k to €3k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
21-12-2025
Resigned as Director
Location & real-estate footprint
Registered office, Vilvoorde · 1 establishment unit since 2015
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.
Lindenstraat 991800 VilvoordeGround area
131 m²
Building footprint
78 m²
Volume, LiDAR
426 m³
Parcel 23066A0088/00X003, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bpensio
since 20152.252.926.750
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23066A0088/00X003 | Flanders | 131 m² | 1 · 78 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.
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Of 13,426 companies in sector 73300 we hold annual accounts for 6,900. 4,285 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2015
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
46500Wholesale of information and communication equipment
46510Wholesale trade
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.