BUSINY
ActiveSummary
BUSINY has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €594k and a net result of €-129k. Equity is shrinking by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 51% of 1201 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability7▲+7
Solvency67▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.29 in 2023; short-term debt: 26.5% and cash: 14.3% of total assets), and 58.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
41.8%
Return on assets
-9.1%
Age of the figures
21 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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-129k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
2022
70 d late
2021
89 d late
2020
31 d early
2019
109 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-129k▲ 34.2%
2023 · €-197k
2018: €-117k
2019: €-10k
2020: €98k
2021: €-63k
2022: €-257k
2023: €-197k
2018 → 2024
Working capital
€60k▲ 4.2%
2023 · €58k
2018: €262k
2019: €420k
2020: €369k
2021: €165k
2022: €127k
2023: €58k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.24M-€1.18M▼ 5.1%€919k▼ 21.8%€723k▼ 21.4%€594k▼ 17.9%
Operating result€98k-€-75k€-260k▼ 247%€-212k▲ 18.6%€-139k▲ 34.2%
Net result€98k-€-63k€-257k▼ 309%€-197k▲ 23.4%€-129k▲ 34.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €139k in 2024 against €212k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.42M
Fixed assets
€984k ▼ 7.7%
Current assets
€436k ▲ 70.6%
Equity and liabilities €1.42M
Equity
€594k ▼ 17.9%
Provisions
€300k =
Debt
€526k ▲ 76.5%
Debt's share of the balance-sheet total rises from 22.6% to 37.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-80k▲
2023 · €-87k
Cash flow
€-70k▲
2023 · €-72k
Current ratio
1.16▼
2023 · 1.29
Debt to equity
0.89▲
2023 · 0.41
ROE
-21.8%▲
2023 · -27.2%
ROA
-9.1%▲
2023 · -14.9%
Interest coverage
-24.95▲
2023 · -29.98
Debt ≤ 1 year
€376k▲
2023 · €198k
Debt > 1 year
€150k▲
2023 · €100k
Income taxes
€6k▼
2023 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.32M€1.42M▲
Fixed assets21/28€1.07M€984k▼
Tangible fixed assets22/27€972k€945k▼
Land and buildings22€939k€920k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€33k€26k▼
Financial fixed assets28€94k€38k▼
Current assets29/58€256k€436k▲
Amounts receivable within one year40/41€239k€225k▼
Trade receivables40€98k€103k▲
Other amounts receivable41€141k€122k▼
Cash at bank and in hand54/58€17k€204k▲
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.42M▲
Equity10/15€723k€594k▼
Contributions10/11€176k€176k=
Revaluation surpluses12€647k€644k▼
Reserves13€44k€46k▲
Non-distributable reserves130/1€18k€18k=
Reserves not available under the articles1311€18k€18k=
Distributable reserves133€26k€28k▲
Profit (loss) carried forward14€-143k€-272k▼
Provisions and deferred taxes16€300k€300k=
Provisions for liabilities and charges160/5€300k€300k=
Other liabilities and charges164/5€300k€300k=
Amounts payable17/49€298k€526k▲
Amounts payable after more than one year17€100k€150k▲
Other amounts payable178/9€100k€150k▲
Amounts payable within one year42/48€198k€376k▲
Trade debts44€155k€311k▲
Suppliers440/4€155k€311k▲
Taxes, remuneration and social security45€38k€54k▲
Taxes450/3€38k€54k▲
Other amounts payable47/48€6k€11k▲
Income statement
Code20232024
Non-recurring operating income76A€8k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€124k€59k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-100k-
Other operating charges640/8€51k€105k▲
Gross operating margin9900€-136k€25k▲
Operating profit (loss)9901€-212k€-139k▲
Financial income75/76B€26k€19k▼
Recurring financial income75€26k€7▼
Non-recurring financial income76B-€19k
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-189k€-123k▲
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€-197k€-129k▲
Profit (loss) for the period to be appropriated9905€-197k€-129k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-143k€-272k▼
Profit (loss) brought forward from the previous period14P€53k€-143k▼
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €-257k
Net result drops to €-257k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 89 days late
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €98k
Net result €98k after 2 loss-making years.
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 109 days late
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 351 days late
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 41 days late
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 45 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Mons · 1 establishment unit since 2012
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.
Rue Gérard (N.) 137020 MonsGround area
1,130 m²
Building footprint
264 m²
Volume, LiDAR
2,690 m³
Parcel 53059C0126/00L005, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BUSINY
since 20122.213.813.479
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53059C0126/00L005 | Wallonia | 1,130 m² | 1 · 264 m² | 12.6 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.
Similar companies · same sector, comparable size
JUTI
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DATAFISC
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DYNASTY LEUVEN
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Notariële bestuursvennootschap De Berk
BE 0765.432.245
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Core-S-Ad
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Turnhout · Eq €591,751
Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 1,885 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-11-2012
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.