Result
€51,676 €51,676
Back in profit in 2025, after a loss of €54,665 in 2024.
BUREAU NIJS
Lifetime
20 annual accounts with figures on one time axis, 32 filings since 1994Gross marginpeak €313,371 (2008)
€85,827▲ €107,885
Resultlowest -€54,665 (2024)
€51,676▲ €106,342
Equitypeak €449,218 (2012)
€417,536▲ 14.1%
Debts
€14,130▼ 74.7%
Staffpeak 1 FTE (2007)
-not published
Board1 name since 2021
1 directorNIJS Rudi Didier Armand
Owners
consolidatesBUREAU INVESTISSEMENT ET PREVOYANCE
Documentsfilings and deeds
29-06-202632 days before the deadline
2025financial year
Gross margin from -€22,058 to €85,827Back to profit: €51,676Equity from €365,859 to €417,536Debts from €55,765 to €14,130Cash from €28,926 to €51,790
Key points
from the 2025 annual accountsLiquidity
13.59 was 2.98 in 2024
Short-term debts fell from €47,210 to €12,927.
At the same address
22 companies
Checked score
92
Excellent
Financially stronger than 70% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.7%▲ +0.5 percentage points vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.8%▲ +0.1 percentage points vs 04-2025
06-2025: 1.0%▲ +0.2 percentage points vs 05-2025
07-2025: 1.0%● unchanged vs 06-2025
08-2025: 0.7%▼ -0.3 percentage points vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.8%▲ +0.1 percentage points vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 1.1%▲ +0.3 percentage points vs 05-2026
07-2026: 1.1%● unchanged vs 06-2026
08-2026: 1.2%▲ +0.1 percentage points vs 07-2026
09-2026: 1.5%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 0.2%▼ -1.3 percentage points vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Size: total assets €431,666
Figures for financial year 2025 (filed on 29-06-2026)
Equity €417,536 (96.7% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 81% of them on solvency, 61% on liquidity, 67% on profitability and 72% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as BUREAU NIJS has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BUREAU NIJS itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for BUREAU NIJS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 13.59 (2.98 in 2024), above the usual 1.5. Short-term debt is 3% and cash 12% of total assets. 3.3% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
30 days early
2023
12 days early
2022
30 days late
2021
60 days late
2020
53 days late
2019
90 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 23 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 July (4 of the last 5 accounts filed within 41 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Bureau d'Investissement et de Prévoyance SA consolidatesannual accounts 2025
- BUREAU INVESTISSEMENT ET PREVOYANCE 0.48%2024 annual accounts of BUREAU INVESTISSEMENT ET PREVOYANCE
Recent changes
Registered office moved from Rixensart to Lasne
New registered office: Chaussée de Louvain 496, Bâtiment 4, 1380 Lasne · Previous registered office: Avenue Paul Nicodème 31, 1330 Rixensart · Change of role: NIJS Rudi Didier Armand, from director to sole director · General meeting of 03-12-2024 · Gazette deed
First establishment
Avenue Paul Nicodème 31, Rixensart
Incorporation
published on 18-05-1994 · Gazette deed
Official details
Source: KBO- Status
- Active since 29-04-1994Normal situation
- Registered office
- 24 active companies are registered at this addressSource: KBO register, as of 6 November 2026.
- Activity
- “La gestion d’un portefeuille d’assurances” (deed in French)From the articles, 6 activitiesNo NACE code in the KBO yet
- Joint committee
- 307Insurance brokers and agencies · annual accounts 2023
- Establishment unit
- 2.069.113.0371330 Rixensart, since 21-11-1994
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- Turnover
- ≈ €240,000estimated
- Total assets
- €431,666▲ 2.4%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on BUREAU NIJS
BUREAU NIJS has existed since 1994. In 2023 the gross margin rose from €116,159 to €248,512, while staff fell from 0.5 to 0.3 full-time equivalents.
Solvency rose in 2025 from 86.8% to 96.7% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BUREAU NIJS
- What is the company number of BUREAU NIJS?
- The company number of BUREAU NIJS is 0452.546.768. The VAT number is the same number with BE in front: BE 0452.546.768.
- Where is BUREAU NIJS based?
- The registered office is at Chaussée de Louvain 496, 1380 Lasne.Company details
- What is the legal form of BUREAU NIJS?
- BUREAU NIJS is a public limited company (NV).
- When was BUREAU NIJS founded?
- BUREAU NIJS was founded on 29-04-1994.
- Is BUREAU NIJS still active?
- Yes, BUREAU NIJS is an active enterprise in the KBO register.
- How many employees does BUREAU NIJS have?
- BUREAU NIJS had an average of 0.3 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does BUREAU NIJS fall under?
- In its 2023 annual accounts, BUREAU NIJS states joint committee 307 (Insurance brokers and agencies).
- What is the turnover of BUREAU NIJS?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €85,827 and 1,295 comparable companies of the same size. It probably lies between €150,000 and €460,000. It is a rough estimate.
- Is BUREAU NIJS profitable?
- In financial year 2025, BUREAU NIJS made a profit of €51,676.
- Where can I find the annual accounts of BUREAU NIJS?
- BUREAU NIJS filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BUREAU NIJS due?
- BUREAU NIJS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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