BS BIKE
ActiveSummary
BS BIKE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.20M and a net result of €201k. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+5
Solvency98▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 6.32 against 4.87 in 2024; short-term debt: 11.5% and cash: 21.3% of total assets), and 26.6% 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
73.4%
Return on assets
12.3%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
14 d early
2023
23 d early
2022
21 d early
2021
25 d early
2020
32 d early
2019
31 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.20M▲ 13.0%
2024 · €1.06M
2018: €188k
2019: €251k
2020: €423k
2021: €604k
2022: €803k
2023: €994k
2024: €1.06M
2018 → 2025
Total assets
€1.63M▲ 6.8%
2024 · €1.53M
2018: €577k
2019: €737k
2020: €1.05M
2021: €1.14M
2022: €1.36M
2023: €1.47M
2024: €1.53M
2018 → 2025
Net result
€201k▲ 68.5%
2024 · €119k
2018: €66k
2019: €64k
2020: €171k
2021: €183k
2022: €200k
2023: €190k
2024: €119k
2018 → 2025
Working capital
€1.00M▲ 10.2%
2024 · €909k
2018: €155k
2019: €244k
2020: €367k
2021: €493k
2022: €606k
2023: €819k
2024: €909k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€604k-€803k▲ 33.0%€994k▲ 23.7%€1.06M▲ 6.5%€1.20M▲ 13.0%
Operating result€260k-€269k▲ 3.2%€263k▼ 2.0%€158k▼ 40.0%€276k▲ 75.2%
Net result€183k-€200k▲ 9.3%€190k▼ 4.6%€119k▼ 37.2%€201k▲ 68.5%
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 recovers in 2025; 2025 is 75% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.63M
Fixed assets
€440k▲ 15.1%
Current assets
€1.19M▲ 4.0%
Equity and liabilities €1.63M
Equity
€1.20M▲ 13.0%
Debt
€434k▼ 7.3%
The debt ratio falls from 30.7% to 26.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€346k▲
2024 · €219k
Cash flow
€271k▲
2024 · €181k
Solvency
73.4%▲
2024 · 69.3%
Current ratio
6.32▲
2024 · 4.87
Quick ratio
3.19▲
2024 · 1.93
Debt / equity
0.36▼
2024 · 0.44
ROE
16.8%▲
2024 · 11.3%
ROA
12.3%▲
2024 · 7.8%
Interest coverage
41.36▲
2024 · 28.54
Debt
€434k▼
2024 · €468k
Debt ≤ 1 year
€188k▼
2024 · €235k
Debt > 1 year
€246k▲
2024 · €233k
Income taxes
€80k▲
2024 · €40k
Staff costs
€96k▲
2024 · €76k
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€1.53M€1.63M▲
Fixed assets21/28€382k€440k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€382k€440k▲
Land and buildings22€328k€311k▼
Plant, machinery and equipment23€5k€7k▲
Furniture and vehicles24€49k€121k▲
Financial fixed assets28€30€30=
Current assets29/58€1.14M€1.19M▲
Stocks and contracts in progress3€689k€589k▼
Stocks30/36€689k€589k▼
Amounts receivable within one year40/41€108k€215k▲
Trade receivables40€43k€41k▼
Other amounts receivable41€65k€174k▲
Current investments50/53-€27k
Cash at bank and in hand54/58€331k€347k▲
Deferred charges and accrued income490/1€15k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.53M€1.63M▲
Equity10/15€1.06M€1.20M▲
Contributions10/11€33k€33k=
Reserves13€1.02M€1.16M▲
Tax-exempt reserves132€286k€349k▲
Distributable reserves133€737k€812k▲
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€468k€434k▼
Amounts payable after more than one year17€233k€246k▲
Financial debts170/4€233k€246k▲
Amounts payable within one year42/48€235k€188k▼
Current portion of amounts payable after more than one year42€34k€38k▲
Trade debts44€98k€46k▼
Suppliers440/4€98k€46k▼
Advances received on contracts in progress46€8k€2k▼
Taxes, remuneration and social security45€50k€48k▼
Taxes450/3€38k€40k▲
Remuneration and social security454/9€12k€8k▼
Other amounts payable47/48€45k€53k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€76k€96k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€69k▲
Other operating charges640/8€8k€5k▼
Gross operating margin9900€303k€447k▲
Operating profit (loss)9901€158k€276k▲
Financial income75/76B€9k€13k▲
Recurring financial income75€9k€13k▲
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€160k€281k▲
Income taxes67/77€40k€80k▲
Profit (loss) for the period9904€119k€201k▲
Transfer to tax-exempt reserves689€76k€63k▼
Profit (loss) for the period to be appropriated9905€44k€138k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€140k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2€55k€64k▲
Transfer to equity691/2€44k€138k▲
To other reserves6921€44k€138k▲
Profit to be distributed694/7€55k€64k▲
Return on contributions (dividend)694€55k€64k▲
Social balance
Average headcount (FTE)90871.72.0▲
The notes to these accounts (20 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €201k ▲68.5%
Operating result €276k, net result €201k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1MEq €1.06M ▲6.5%
7 profitable years in a row build equity to €1.06M.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €604k ▲42.8%
4 profitable years in a row build equity to €604k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €64k ▼3.6%
Net result drops to €64k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €251k ▲33.9%
2 profitable years in a row build equity to €251k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
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
9 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, Berlare · 1 establishment unit since 2010
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.
Veerstraat(U) 629290 BerlareGround area
1,242 m²
Building footprint
818 m²
Volume, LiDAR
2,757 m³
Parcel 42022A0430/00C000, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BS Bike
since 20102.187.872.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42022A0430/00C000 | Flanders | 1,242 m² | 1 · 818 m² | 8.5 m · 1 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
BIKE-INN
BE 0810.217.046
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Fietsen Lenaerts
BE 0666.854.115
Balen · Eq €1.22M
Alec Sports
BE 0731.672.582
Leuven · Eq €1.17M
HET VERZET
BE 0463.395.130
Deinze · Eq €1.23M
Fietsen Storms
BE 0768.609.093
Herselt · Eq €1.15M
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 456 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2010
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45402
47639Retail sale of other sporting goods
47640Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
77110Renting and leasing of cars and light motor vehicles
77120Rental and leasing activities
77393Rental and leasing activities
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 24-09-2026. Scores and ratios are computed by Checked and are not a credit decision.