TechNico Bikes
ActiveTechNico Bikes has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €560k and a net result of €132k. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 79% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-9
Solvency94▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 5.47 against 3.51 in 2024; short-term debt: 11.6% and cash: 20.6% of total assets), and 30.7% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
69.3%
Return on assets
16.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 5 filingsDeviation from the deadline
2025
17 d late
2024
28 d late
2023
28 d late
2022
30 d late
2021
31 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€560k▲ 26.7%
2024 · €442k
2021: €115k
2022: €231k
2023: €330k
2024: €442k
2021 → 2025
Total assets
€809k▲ 9.9%
2024 · €736k
2021: €278k
2022: €431k
2023: €441k
2024: €736k
2021 → 2025
Net result
€132k▼ 23.1%
2024 · €172k
2021: €95k
2022: €117k
2023: €105k
2024: €172k
2021 → 2025
Working capital
€420k▲ 32.6%
2024 · €317k
2021: €58k
2022: €124k
2023: €225k
2024: €317k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€231k▲ 102%€330k▲ 42.7%€442k▲ 33.9%€560k▲ 26.7%
Operating result€122k-€151k▲ 23.2%€138k▼ 8.4%€231k▲ 67.7%€179k▼ 22.5%
Net result€95k-€117k▲ 23.2%€105k▼ 10.1%€172k▲ 63.8%€132k▼ 23.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €809k
Fixed assets
€295k▲ 0.6%
Current assets
€514k▲ 16.0%
Equity and liabilities €809k
Equity
€560k▲ 26.7%
Debt
€249k▼ 15.4%
The debt ratio falls from 39.9% to 30.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€220k▼
2024 · €259k
Cash flow
€173k▼
2024 · €200k
Solvency
69.3%▲
2024 · 60.1%
Current ratio
5.47▲
2024 · 3.51
Quick ratio
2.29▲
2024 · 1.27
Debt / equity
0.44▼
2024 · 0.66
ROE
23.6%▼
2024 · 38.9%
ROA
16.3%▼
2024 · 23.3%
Interest coverage
31.86▼
2024 · 58.29
Debt
€249k▼
2024 · €294k
Debt ≤ 1 year
€94k▼
2024 · €126k
Debt > 1 year
€155k▼
2024 · €168k
Income taxes
€41k▼
2024 · €57k
Staff costs
€38k▲
2024 · €25k
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€736k€809k▲
Fixed assets21/28€293k€295k▲
Intangible fixed assets21€31k€26k▼
Tangible fixed assets22/27€262k€268k▲
Land and buildings22€222k€212k▼
Plant, machinery and equipment23€13k€12k▼
Furniture and vehicles24€8k€33k▲
Other tangible fixed assets26€18k€12k▼
Current assets29/58€443k€514k▲
Stocks and contracts in progress3€283k€299k▲
Stocks30/36€283k€299k▲
Amounts receivable within one year40/41€34k€47k▲
Trade receivables40€11k€43k▲
Other amounts receivable41€24k€4k▼
Cash at bank and in hand54/58€122k€167k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€736k€809k▲
Equity10/15€442k€560k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€422k€540k▲
Amounts payable17/49€294k€249k▼
Amounts payable after more than one year17€168k€155k▼
Financial debts170/4€168k€155k▼
Amounts payable within one year42/48€126k€94k▼
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€12k€55k▲
Suppliers440/4€12k€55k▲
Taxes, remuneration and social security45€50k€10k▼
Taxes450/3€50k€8k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€53k€16k▼
Income statement
Code20242025
Remuneration, social security and pensions62€25k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€40k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€285k€261k▼
Operating profit (loss)9901€231k€179k▼
Financial income75/76B€2k€773▼
Recurring financial income75€2k€773▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€229k€173k▼
Income taxes67/77€57k€41k▼
Profit (loss) for the period9904€172k€132k▼
Profit (loss) for the period to be appropriated9905€172k€132k▼
Appropriation of the result
Profit (loss) to be appropriated9906€482k€554k▲
Profit (loss) brought forward from the previous period14P€310k€422k▲
Profit to be distributed694/7€60k€14k▼
Return on contributions (dividend)694€50k-
Directors or managers695€10k€14k▲
The notes to these accounts (9 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Equity above €500kEq €560k ▲26.7%
5 profitable years in a row build equity to €560k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2021net €172k ▲63.8%
Operating result €231k, net result €172k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.56
Current ratio from 1.72 to 3.56; short-term debt falls from €173k to €88k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €231k ▲102%
2 profitable years in a row build equity to €231k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Rumst · 1 establishment unit since 2020
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.
Eikenstraat 2772840 RumstGround area
1,127 m²
Building footprint
206 m²
Volume, LiDAR
836 m³
Parcel 11036A0421/00Z000, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TechNico Bikes
since 20202.304.963.587
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036A0421/00Z000 | Flanders | 1,127 m² | 1 · 206 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 242 EUR awarded · 242 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 242 EUR | 242 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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Of 1,467 companies in sector 47632 we hold annual accounts for 733. 556 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2020
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
46180Agents specialised in the wholesale of other particular products
46495Wholesale trade
47639Retail sale of other sporting goods
47640Retail trade
77210Renting and leasing of sports and recreation goods
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.