RONNY BIS
ActiveSummary
The computed 12-month bankruptcy probability of RONNY BIS is 1.5% (moderate). The 2025 annual accounts show equity of €887k and a net result of €41k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 49% of 10359 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+32
Solvency61▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 2.93 in 2024; short-term debt: 25.4% and cash: 4.3% of total assets), but 63.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
36.2%
Return on assets
1.7%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
73 d early
2023
30 d early
2022
33 d early
2021
67 d early
2020
75 d early
2019
85 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€887k▲ 4.8%
2024 · €846k
2018: €961k
2019: €838k
2020: €670k
2021: €815k
2022: €868k
2023: €867k
2024: €846k
2018 → 2025
Total assets
€2.45M▲ 12.7%
2024 · €2.17M
2018: €2.11M
2019: €2.00M
2020: €1.90M
2021: €1.27M
2022: €1.27M
2023: €1.45M
2024: €2.17M
2018 → 2025
Net result
€41k
2024 · €-21k
2018: €67k
2019: €-99k
2020: €-168k
2021: €145k
2022: €53k
2023: €-945
2024: €-21k
2018 → 2025
Working capital
€453k▼ 26.1%
2024 · €613k
2018: €423k
2019: €382k
2020: €504k
2021: €544k
2022: €545k
2023: €757k
2024: €613k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€815k-€868k▲ 6.6%€867k▼ 0.1%€846k▼ 2.4%€887k▲ 4.8%
Operating result€157k-€70k▼ 55.4%€10k▼ 85.1%€-1k€77k
Net result€145k-€53k▼ 63.2%€-945€-21k▼ 2,101%€41k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €77k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.45M
Fixed assets
€1.38M ▲ 10.6%
Current assets
€1.07M ▲ 15.5%
Equity and liabilities €2.45M
Equity
€887k ▲ 4.8%
Debt
€1.56M ▲ 17.7%
Debt's share of the balance-sheet total rises from 61.1% to 63.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€172k▲
2024 · €38k
Cash flow
€136k▲
2024 · €19k
Current ratio
1.73▼
2024 · 2.93
Quick ratio
0.19▼
2024 · 0.43
Debt to equity
1.76▲
2024 · 1.57
ROE
4.6%▲
2024 · -2.5%
ROA
1.7%▲
2024 · -1.0%
Interest coverage
5.34▲
2024 · 1.81
Debt ≤ 1 year
€621k▲
2024 · €317k
Debt > 1 year
€927k▼
2024 · €1.00M
Income taxes
€4k▲
2024 · €0
Staff costs
€818k▲
2024 · €781k
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 · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.17M€2.45M▲
Fixed assets21/28€1.24M€1.38M▲
Intangible fixed assets21€12k€9k▼
Tangible fixed assets22/27€1.18M€1.31M▲
Land and buildings22€789k€777k▼
Plant, machinery and equipment23€348k€510k▲
Furniture and vehicles24€40k€25k▼
Financial fixed assets28€54k€54k▲
Current assets29/58€930k€1.07M▲
Stocks and contracts in progress3€795k€955k▲
Stocks30/36€795k€955k▲
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€1k€658▼
Other amounts receivable41€3k€533▼
Cash at bank and in hand54/58€117k€106k▼
Deferred charges and accrued income490/1€14k€12k▼
Equity and liabilities
Total equity and liabilities10/49€2.17M€2.45M▲
Equity10/15€846k€887k▲
Contributions10/11€379k€379k=
Reserves13€468k€509k▲
Tax-exempt reserves132€54k€54k=
Distributable reserves133€414k€454k▲
Amounts payable17/49€1.33M€1.56M▲
Amounts payable after more than one year17€1.00M€927k▼
Financial debts170/4€1.00M€927k▼
Amounts payable within one year42/48€317k€621k▲
Current portion of amounts payable after more than one year42€32k€33k▲
Financial debts43€28k€0▼
Credit institutions430/8€28k€0▼
Trade debts44€65k€116k▲
Suppliers440/4€65k€116k▲
Taxes, remuneration and social security45€133k€158k▲
Taxes450/3€45k€55k▲
Remuneration and social security454/9€88k€103k▲
Other amounts payable47/48€60k€314k▲
Accrued charges and deferred income492/3€10k€14k▲
Income statement
Code20242025
Remuneration, social security and pensions62€781k€818k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€95k▲
Other operating charges640/8€11k€16k▲
Gross operating margin9900€830k€1.01M▲
Operating profit (loss)9901€-1k€77k▲
Financial income75/76B€2k€380▼
Recurring financial income75€2k€380▼
Financial charges65/66B€21k€32k▲
Recurring financial charges65€21k€32k▲
Profit (loss) for the period before taxes9903€-21k€45k▲
Income taxes67/77€0€4k▲
Profit (loss) for the period9904€-21k€41k▲
Profit (loss) for the period to be appropriated9905€-21k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€41k▲
Transfer from equity791/2€21k€0▼
Transfer to equity691/2-€41k
To other reserves6921-€41k
Social balance
Average headcount (FTE)908718.618.6=
The notes to these accounts (25 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €41k
Net result €41k after 2 loss-making years.
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €145k
Net result €145k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.76
Current ratio from 1.70 to 3.76; short-term debt falls from €723k to €197k.
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-168k
Net result drops to €-168k, the lowest in the series; recovery starts the following year.
07-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Izegem · 10 establishment units since 1994
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.
Ambachtenstraat 138870 IzegemGround area
1.2 ha
Building footprint
3,984 m²
Volume, LiDAR
25,805 m³
10 parcels, Flanders · tallest building 23.1 m, ±4 floors. Linked by address, not a title deed.
10 establishment units
ENOKS SCHOENEN
since 19942.066.969.238
ENOKS SCHOENEN
since 19992.066.969.436
ENOKS SCHOENEN
since 20062.150.301.938
ENOKS SCHOENEN
since 20062.152.262.031
ENOKS SCHOENEN
since 20082.170.089.839
ENOKS SCHOENEN
since 20132.228.233.223
Show 4 more locations
ENOKS SCHOENEN
since 20132.228.233.322
ENOKS SCHOENEN
since 20132.228.233.520
ENOKS SCHOENEN
since 20132.228.233.619
Enoks Schoenen
since 20192.284.777.788
10 parcels
Flanders
10
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11462A0238/00S000 | Flanders | 5,176 m² | 1 · 317 m² | 11.6 m · 3 fl. |
| 36494D0483/00H000 | Flanders | 3,699 m² | 1 · 1,843 m² | 7.9 m · 2 fl. |
| 38502G0220/00A000 | Flanders | 736 m² | 1 · 479 m² | 13.3 m · 3 fl. |
| 11512B0046/00V005 | Flanders | 432 m² | 1 · 224 m² | 9.3 m · 2 fl. |
| 11442C0151/00F015 | Flanders | 419 m² | 1 · 249 m² | 9.3 m · 1 fl. |
| 35007A0011/00A020 ProtectedTownscape or village viewDe Haan Concessie: uitbreiding tot hele vroegere ConcessieSource ↗ |
Flanders | 375 m² | 1 · 166 m² | 15.2 m · 4 fl. |
| 11324D0591/00X000 | Flanders | 279 m² | 1 · 265 m² | 12.9 m · 1 fl. |
| 38352E0303/00_000 | Flanders | 216 m² | 1 · 216 m² | 16.2 m · 1 fl. |
| 11902E0138/00X000 | Flanders | 133 m² | 1 · 131 m² | 1.6 m |
| 31004A0589/00D000 | Flanders | 93 m² | 1 · 93 m² | 23.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 9
10 of 10 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 574 EUR awarded · 574 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 574 EUR | 574 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Dual-learning approval
3 endedKassier (so)
Verkoper (so)
Winkelbediende (so)
Similar companies · same sector, comparable size
NATHALIE AZUR
BE 0454.879.619
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SCHOENEN SLAETS
BE 0894.232.805
Heist-op-den-Berg · Eq €892k
RUNNING STORE DUFFEL
BE 0547.590.140
Duffel · Eq €878k
Schoenhandel Albrecht
BE 0405.160.090
Knokke-Heist · Eq €899k
FAFA
BE 0474.164.209
Gavere · Eq €862k
Of 1,034 companies in sector 47721 we hold annual accounts for 582. 319 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
Founded04-05-1994
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.