Equity
€28,503 from €109,031 in 2024
Equity fell by 74% in 1 year.
Bilanco
Lifetime
9 annual accounts with figures on one time axispeak €146,096 (2023)
€127,970▲ 37.3%
peak €94,338 (2025)
€94,338▲ 43.6%
peak €109,031 (2024)
€28,503▼ 73.9%
€156,558▲ 643%
peak 0.6 FTE (2019)
-not published
Board2 names since 2015
1 directorMike Senesael
Documentsfilings and deeds
04-06-202657 days before the deadline
2025micro format
Gross margin from €93,213 to €127,970Result from €65,689 to €94,338Resignation: Koen Duerinck (director) 05-11Dividend €174,866Equity from €109,031 to €28,503Debts from €21,065 to €156,558
Key points
from the 2025 annual accountsTurnover
≈ €240,000 estimated
The micro format states no turnover.
Debts
€156,558 85% of the balance sheet
Suppliers 4%Taxes and wages 9%Other 87%
Liquidity
1.11 was 5.58 in 2024
Short-term debts rose from €21,065 to €156,558.
Filings
9 annual accounts since 2017
The last five annual accounts were filed 55 to 71 days before the end of the period.
Position in the sector
15.4%
Lower solvency than 83% of companies in legal and accounting. Sector median 56.8% · 15,834 companies.
Checked score
91
Excellent
Financially stronger than 27% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,104 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025highest value
07-2025: 0.2%● unchanged vs 06-2025highest value
08-2025: 0.2%● unchanged vs 07-2025highest value
09-2025: 0.2%● unchanged vs 08-2025highest value
10-2025: < 0.1%▼ -0.2 percentage points vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: 0.1%▲ +0.1 percentage points vs 05-2026
07-2026: < 0.1%▼ -0.1 percentage points vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
lowers risk
Sector: Legal and accounting activities (NACE 69)
Size: total assets €185,061
Figures for financial year 2025 (filed on 05-06-2026)
Founded in 2015
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 (NACE 69, micro). It does better than 19% of them on solvency, 2% on liquidity, 82% on profitability and 7% on growth.
The bankruptcy probability was computed on 10-11-2026 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, 5,053 companies had the same profile as Bilanco has now. Each dot stands for 13 companies, two years later.
95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Bilanco itself is lower: < 0.1% within 12 months. It rests on far more data about Bilanco than the profile alone.
Test of the method
The method was tested on the 497,448 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 5,053 companies, not a prediction for Bilanco. 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 €2,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.11 (5.58 in 2024), below the usual 1.5. Short-term debt is 84.6% and cash 4.7% of total assets. 84.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 15834 sector peers (2025).
NBB · sector comparisonPosition among 15834 sector peers
Solvency
better than 17%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
57 days early
2024
71 days early
2023
55 days early
2022
70 days early
2021
61 days early
2020
51 days early
2019
56 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 60 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed 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 31 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- SENESAEL Mike 436 sharesdeed of 14-04-2017
- DUERINCK Koen 419 sharesdeed of 14-04-2017
Recent changes
Resignation: Koen Duerinck (director)
Director discharge: Koen Duerinck · General meeting of 03-10-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0635562212
Registered office moved from Mechelen to Essen
New registered office: Magerbeek 1, 2910 Essen · Previous registered office: Dijle 1, 2800 Mechelen · Board meeting of 25-08-2023 · Gazette deed
Company renamed from Boekhoudkantoor Bilanco to Bilanco
Change of role: Mike Senesael, from statutory director to director · Appointment: Koen Duerinck (director) · “Juridische dienstverlening die verband houdt met de werkzaamheden van de beroepsbeoefenaar; Verstrekken van…” (deed in Dutch) · General meeting of 09-03-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Bilanco Essen | €185,061 | €127,970 | 15.4% | - |
| FLEX ACCOUNTANTS Stabroek | €198,682 | €119,639 | 5.3% | - |
| Boekhoudkantoor Meynen Mol | €182,987 | €119,456 | 23.6% | - |
| Dimitri Vilela Amaral Boechout | €164,942 | €112,501 | 45.7% | - |
| ACOFI Neupré | €199,646 | €137,174 | 67.1% | - |
| LTC Expert-Comptable Sombreffe | €196,245 | €143,579 | 10.4% | - |
| SERET & ASSOCIES Watermael-Boitsfort | €176,052 | €137,993 | 26.6% | - |
These companies have the same main activity as Bilanco: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €165,000 and €200,000, founded between 2013 and 2016.
Official details
Source: KBO- Status
- Active since 14-08-2015Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Joint committee
- 336Liberal professions · annual accounts 2023
- Establishment unit
- 2.245.137.9472910 Essen, since 17-08-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 05-06-2025
Annual accounts 2025
- €185,061▲ 42.2%
- Filing
- Filed on 04-06-2026, 57 days before the end of the filing period
Insights on Bilanco
Bilanco files the micro format. That format states no turnover. The gross margin rose from €18,847 in 2017 to €127,970 in 2025.
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 Bilanco
- What is the company number of Bilanco?
- The company number of Bilanco is 0635.562.212. The VAT number is the same number with BE in front: BE 0635.562.212.
- Where is Bilanco based?
- The registered office is at Magerbeek 1, 2910 Essen.Company details
- What does Bilanco do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of Bilanco?
- Bilanco is a private limited company (BV).
- When was Bilanco founded?
- Bilanco was founded on 14-08-2015.
- Is Bilanco still active?
- Yes, Bilanco is an active enterprise in the KBO register.
- How many employees does Bilanco have?
- Bilanco had an average of 1 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does Bilanco fall under?
- In its 2023 annual accounts, Bilanco states joint committee 336 (Liberal professions).
- What is the turnover of Bilanco?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €127,970 and 43 comparable companies (NACE 69201). It probably lies between €200,000 and €300,000.
- Is Bilanco profitable?
- In financial year 2025, Bilanco made a profit of €94,338.
- Where can I find the annual accounts of Bilanco?
- Bilanco filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Bilanco due?
- Bilanco must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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