B.GENS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of B.GENS is 0.2% (very low). The 2025 annual accounts show equity of €115k and a net result of €97k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 29% of 4758 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Annual accounts: healthy financial profile −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	15-01-2026	16 d early	2026-00008006
30-06-2024	31-01-2025	19-01-2025	12 d early	2025-00006577
30-06-2023	31-01-2024	26-01-2024	5 d early	2024-00007728
30-06-2022	31-01-2023	19-01-2023	12 d early	2023-00001150
30-06-2021	31-01-2022	19-01-2022	12 d early	2022-01300142
31-05-2020	31-12-2020	29-01-2021	29 d late	2021-03600190
31-05-2019	31-12-2019	31-12-2019	on the day	2019-77800204
31-05-2018	31-12-2018	09-03-2019	68 d late	2019-06700561
31-05-2017	31-12-2017	09-03-2019	433 d late	2019-06700396
31-05-2016	31-12-2016	26-01-2017	26 d late	2017-01900184

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2014, 12 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€97k-2.0%

Working capital€-107k+41.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 15-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 7 fiscal years (±1.8%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	24.7%	55.4%	better than 29% of 4758 sector peers
Net result	€97k	€38k	better than 84% of 4758 sector peers
Equity	€115k	€64k	better than 67% of 4759 sector peers
Gross operating margin	€158k	€61k	better than 87% of 4751 sector peers
Total assets	€466k	€146k	better than 86% of 4759 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P29

Stable position over 2020-2025 · n=1438-12488

Net result P84

Improving position over 2020-2025 · n=1438-12490

Equity P67

Stable position over 2020-2025 · n=1441-12496

Gross operating margin P87

Stable position over 2020-2025 · n=1436-12475

Describes the position versus peers, not a forecast.

EBITDA

€154k

-3.2% 19-25

Net profit

€97k

-2.0% 19-25

Cash flow

€117k

-1.5% 19-25

Total assets

€466k

-14.9% 19-25

Equity

€115k

+519.1% 19-25

Working capital

€-107k

+41.3% 19-25

Income taxes

€29k

-13.1% 19-25

Dividends

€0

-100.0% 19-25

Show 10 other metrics

Debt

€351k

-33.7% 19-25

Debt ≤ 1y

€163k

-46.1% 19-25

Debt > 1y

€186k

-16.8% 19-25

Current ratio

0.35

-13.5% 19-25

Quick ratio

0.35

-13.5% 19-25

Solvency

24.7%

+627.3% 19-25

Debt / equity

3.05

-89.3% 19-25

ROE

83.8%

-84.2% 19-25

ROA

20.7%

+15.1% 19-25

Interest coverage

15.56

-6.8% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€154k
Net profit	€97k
Cash flow	€117k
Staff costs	-
Income taxes	€29k
Dividends	€0
Total assets	€466k
Equity	€115k
Debt	€351k
of which ≤ 1y	€163k
of which > 1y	€186k
Working capital	€-107k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.35
Quick ratio	0.35
Working capital ratio	-22.9%
Solvency	24.7%
Debt / equity	3.05
Long-term debt ratio	1.62
Interest coverage	15.56
Gross margin	-
Net margin	-
ROA	20.7%
ROE	83.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €410k · 87.9% Current assets €57k · 12.2%

Equity & liabilities

Equity €115k · 24.7% Debt €351k · 75.3%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€466k
Fixed assets	21/28	€410k
Tangible fixed assets	22/27	€410k
Current assets	29/58	€57k
Amounts receivable within one year	40/41	€38k
Cash & bank	54/58	€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€466k
Equity	10/15	€115k
Contributions / capital	10/11	€19k
Reserves	13	€97k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€351k
Amounts payable after one year	17	€186k
Amounts payable within one year	42/48	€163k
Trade debts payable within one year	44	€17k
Income statement
Gross operating margin	9900	€158k
Operating result	9901	€133k
Financial income	75	€2k
Financial charges	65	€10k
Result before taxes	9903	€125k
Income taxes	67/77	€29k
Net result for the period	9904	€97k
Result to be appropriated	9905	€97k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

43 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Avenue des Sorbiers 151325 Chaumont-Gistoux

Establishment units

1 location

Avenue des Sorbiers 15, 1325 Chaumont-Gistoux

Textielveredeling

since 20142.227.751.488

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area3,608 m²

Buildings1

Building footprint225 m²

Volume (LiDAR)1,229 m³

Tallest building8.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25018A0371/00X002	Wallonia	3,608 m²	1 · 225 m²	8.4 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

69 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 43

Profitability 100

Solvency 25

Growth 78

Stability 100

Credit advice

verdict per customer and amount

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We hold annual accounts for 15,465 of the 82,035 companies in this sector. 12,512 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Textielveredeling13300Textielveredeling13300Vervaardiging van ander technisch en industrieel textiel13960Vervaardiging van ander technisch en industrieel textiel13960Vervaardiging van andere textielproducten, n.e.g.13990Vervaardiging van andere textielproducten, neg13990Vervaardiging van andere bovenkleding14130Vervaardiging van andere kleding en toebehoren, n.e.g.14199Vervaardiging van bovenkleding14210Vervaardiging van overige kleding en toebehoren, neg14299

Primary activity highlighted.

Names & trade names

Legal nameFR

B.GENS

Registered office

Avenue des Sorbiers 15

1325 Chaumont-Gistoux, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.