AD BIBENDUM

Active

Private limited companyfounded 1997active for 29 yearsAlfajetlaan 2220, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0461.685.059

Summary

AD BIBENDUM has been active since 1997 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10.0m and a net result of €900,298. Equity is growing by about 20% per year across the filed financial years. Its solvency ranks better than 59% of 6,142 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow Report Compare

AD BIBENDUMActiveChecked score 92/100

Risk analysis Report Compare

Activity

Wholesale of beverages, general range

NACE 46349Wholesale of wines and spirits NACE 46341

5th largest company by equity in Sint-Truiden, Wholesale and retail trade sector1 site

Size

€16.5mturnover 2025

Staff: 17.6 FTE
Equity: €10.0m
Profit: €900,298

Financial health

92 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.2%

Structure

Parent: BM CONSULT · 100%
Holdings: 3

BM CONSULTDirector · permanent representative Monard Björn

Auditor: VAN HAVERMAET BEDRIJFSREVISOREN2025 accounts 2 days early2 of 6 deeds summarised

Why 92raises riskLiquidity: current ratio 4.39, cash €350,172lowers riskFounded in 1997Profit of €900,298 (financial year 2025)Equity €10.0m (53.5% of total assets)Show the evidence

Checked score

Score 2025

92 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 59% of its sector peers (NACE 46, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 79+5

equity 53.5% of total assets

Liquidity 46-3

short-term debt 19.7% · cash 1.9%

Profitability 71-5

return on assets 4.8%

Bankruptcy probability, 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).

Sector median 0.2% (4,375 companies, NACE 46, small)

Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.6%▲ +0.1 percentage points vs 12-2024highest value 02-2025: 0.2%▼ -0.4 percentage points vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.1%▼ -0.1 percentage points vs 07-2026lowest value 09-2026: 0.2%▲ +0.1 percentage points vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026

Credit of up to €900,000 on 30-day terms is acceptable

Liquidity ample (current ratio 4.39, compared with 4.74 in 2024, above the usual 1.5; short-term debt: 19.7% and cash: 1.9% of total assets), and 46.5% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, small): better than 62% on solvency, 55% on liquidity, 62% on profitability and 58% on growth.

The bankruptcy probability was computed on 27-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Founded in 1997

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 4.39, cash €350,172

NBB · annual accounts

Profit of €900,298 (financial year 2025)

NBB · annual accounts

Equity €10.0m (53.5% of total assets)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

2 days early

2024

on the day

2023

366 days late

2022

26 days early

2021

5 days early

2020

2 days early

2019

1 day early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 47 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 29 January (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end28-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

08-07-2026 Resignation: Monard Björn (director)Appointment: BM Consult BV (director)…
29-01-2026 Annual accounts filedfinancial year 2025 · full…
24-09-2025 Appointment: Van Havermaet Bedrijfsrevisoren BV (commissaris…Permanent representative: Hanne Camassa

Key points

Caution: Board changedlatest change 01-05-2026 · 1 in office 1 joined · 1 left View
Positive: 5th largest company by equity in Sint-Truiden, Wholesale and retail trade sectorin the Checked rankings No. 5 View
Controlled by BM CONSULTthe company in turn controls 3 companies 100% View
Positive: 4 years of growth in a rowturnover 2025: €16.5m 4 years View
Caution: Result fell in 2025from €1.3m to €900,298 ▼ 28.6% View

By topic

Financials

Financial year: 2025
Turnover: €16.5m
Profit: €900,298
Solvency: 53.5%

Turnover▲ 1.1%

Net result

20202025

Go to Financials

Board & ownership

Board: 1 member
Parent: BM CONSULT · 100%
Auditor: VAN HAVERMAET BEDRIJFSREVISOREN

BM CONSULTDirector

Go to Board & ownership

Network & group

Subsidiaries: 3

3 subsidiaries

Go to Network & group

Timeline

Events: 31
Since: 2000
Next accounts: by 31-01-2027

31-01-2025Annual accounts filed
31-01-2025Annual accounts filed
05-01-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Wholesale of beverages, general rangeNACE 46349
Founded: 20-10-1997
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Key facts about AD BIBENDUM

What is the company number of AD BIBENDUM?: 0461.685.059. In Belgium the VAT number is the company number with BE in front: BE 0461.685.059.
Where is AD BIBENDUM based?: The registered office is at Alfajetlaan 2220, 3800 Sint-Truiden.Company details
What does AD BIBENDUM do?: According to the KBO register, the main activity is wholesale of beverages, general range (NACE 46349).
What is the legal form of AD BIBENDUM?: Private limited company (BV).
When was AD BIBENDUM founded?: On 20-10-1997.
Is AD BIBENDUM still active?: Yes, AD BIBENDUM is an active enterprise in the KBO register.
How many employees does AD BIBENDUM have?: On average 17.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of AD BIBENDUM?: €16.5m in financial year 2025, according to the filed annual accounts.
Is AD BIBENDUM profitable?: In financial year 2025, AD BIBENDUM made a profit of €900,298.
Where can I find the annual accounts of AD BIBENDUM?: AD BIBENDUM filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of AD BIBENDUM due?: By 31-01-2027, for financial year 2026.Timeline