Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Bindus is < 0.1% (very low). The 2023 annual accounts show equity of €434k and a net result of €-95k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 85 sector peers (fiscal year 2023). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB · 2023How 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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 64.1% | 52.3% | |
| Net result | €-95k | €19k | |
| Equity | €434k | €229k | |
| Gross operating margin | €354k | €118k | |
| Staff costs | €405k | €510k |
| Fiscal year | 2023 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €-70k |
| Net profit | €-95k |
| Cash flow | €-75k |
| Staff costs | €405k |
| Income taxes | €341 |
| Dividends | - |
| Total assets | €677k |
| Equity | €434k |
| Debt | €243k |
| of which ≤ 1y | €81k |
| of which > 1y | €162k |
| Working capital | €271k |
| Employees (FTE) | 5.9 |
| 2023 | |
|---|---|
| Current ratio | 4.33 |
| Quick ratio | 4.33 |
| Working capital ratio | 40.0% |
| Solvency | 64.1% |
| Debt / equity | 0.56 |
| Long-term debt ratio | 0.37 |
| Interest coverage | -11.74 |
| Gross margin | - |
| Net margin | - |
| ROA | -14.1% |
| ROE | -21.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €677k |
| Fixed assets | 21/28 | €325k |
| Tangible fixed assets | 22/27 | €322k |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €352k |
| Amounts receivable within one year | 40/41 | €148k |
| Cash & bank | 54/58 | €196k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €677k |
| Equity | 10/15 | €434k |
| Reserves | 13 | €123k |
| Accumulated profits (losses) | 14 | €312k |
| Amounts payable | 17/49 | €243k |
| Amounts payable after one year | 17 | €162k |
| Amounts payable within one year | 42/48 | €81k |
| Trade debts payable within one year | 44 | €30k |
| Income statement | ||
| Gross operating margin | 9900 | €354k |
| Operating result | 9901 | €-90k |
| Financial income | 75 | €667 |
| Financial charges | 65 | €6k |
| Result before taxes | 9903 | €-95k |
| Income taxes | 67/77 | €341 |
| Net result for the period | 9904 | €-95k |
| Result to be appropriated | 9905 | €-95k |
Health barometer
FY 2023 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Directors
Directors & mandates
1 director-
Maes Karen Jozef FDirectorState Gazette act 24155128 (28-10-2024)Current28-10-2024 → present
Insolvency mandates
Legal Structure
| NACE primary | Sociaal-cultureel vormingswerk(85593) |
| Legal form | Non-profit association(017) |
| Incorporation | 03-01-1994 |
| Status | Active |
| Postal code | 2018 |
Structure & network
Locations & real estate
Establishment units
3 locationsReal-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3829/00N002 | Flanders | 6,537 m² | 1 · 104 m² | 5.5 m · 1 fl. |
| 21305C0326/00L002 ProtectedMonument · Site or landscapeVeeartsenijschool van Kuregem en het park |
Brussels | 719 m² | 1 · 701 m² | 30.1 m · 7 fl. |
| 71025A1064/00E000 | Flanders | 674 m² | 1 · 222 m² | 12.2 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
Belgisch Staatsblad · acts
1 acts28-10-2024 1 director appointed, 6 reappointed
- Maes Karen Jozef F, Bestuurder
- Cakir Hikmet, Voorzitter
- Sener Sinan, Secretaris
- Aydin Resat, Penningmeester
- Erkhembayar Nergui, Bestuurder
- Stantcheva Svetla Varbanova, Bestuurder
- Qureshi Zain, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axesStrong profile, led by stability.
All 5 axes are computed from data Checked has read.
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | Bindus |