BiniBo
ActiveSummary
The computed 12-month bankruptcy probability of BiniBo is 1.7% (moderate). The 2025 annual accounts show equity of €66k and a net result of €11k. Equity is growing by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 1544 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-2
Solvency75▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.4 against 1.91 in 2024; short-term debt: 23.3% and cash: 47.9% of total assets), and 49.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 10
Relative position
BE, all sectors
reference
Sector 10
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
50.1%
Return on assets
8.3%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
21 d early
2024
37 d early
2023
15 d early
2022
25 d early
2021
31 d late
2020
27 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 19.9%
2024 · €55k
2020: €10k
2021: €10k
2022: €14k
2023: €42k
2024: €55k
2020 → 2025
Total assets
€132k▼ 1.0%
2024 · €133k
2020: €60k
2021: €50k
2022: €43k
2023: €63k
2024: €133k
2020 → 2025
Net result
€11k▼ 13.6%
2024 · €13k
2020: €5k
2021: €146
2022: €4k
2023: €28k
2024: €13k
2020 → 2025
Working capital
€43k▲ 65.8%
2024 · €26k
2020: €-6k
2021: €-6k
2022: €-2k
2023: €26k
2024: €26k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€14k▲ 36.2%€42k▲ 203%€55k▲ 29.8%€66k▲ 19.9%
Operating result€1k-€7k▲ 363%€43k▲ 545%€21k▼ 51.1%€21k▲ 0.9%
Net result€146-€4k▲ 2,440%€28k▲ 662%€13k▼ 55.4%€11k▼ 13.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€58k ▼ 26.2%
Current assets
€74k ▲ 35.6%
Equity and liabilities €132k
Equity
€66k ▲ 19.9%
Debt
€66k ▼ 15.7%
Debt's share of the balance-sheet total falls from 58.6% to 49.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €38k
Cash flow
€32k▲
2024 · €30k
Current ratio
2.40▲
2024 · 1.91
Debt to equity
1.00▼
2024 · 1.42
ROE
16.6%▼
2024 · 23.0%
ROA
8.3%▼
2024 · 9.5%
Interest coverage
15.75▼
2024 · 20.25
Debt ≤ 1 year
€31k▲
2024 · €28k
Debt > 1 year
€35k▼
2024 · €49k
Income taxes
€8k▲
2024 · €6k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€133k€132k▼
Fixed assets21/28€79k€58k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€75k€55k▼
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€70k€51k▼
Current assets29/58€54k€74k▲
Amounts receivable within one year40/41€13k€8k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€6k€4k▼
Cash at bank and in hand54/58€39k€63k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€133k€132k▼
Equity10/15€55k€66k▲
Contributions10/11€5k€5k=
Reserves13€50k€61k▲
Distributable reserves133€50k€61k▲
Amounts payable17/49€78k€66k▼
Amounts payable after more than one year17€49k€35k▼
Financial debts170/4€49k€35k▼
Amounts payable within one year42/48€28k€31k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€5k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€21k▲
Other operating charges640/8€622€527▼
Non-recurring operating charges66A€0-
Gross operating margin9900€39k€42k▲
Operating profit (loss)9901€21k€21k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€19k€18k▼
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€13k€11k▼
Profit (loss) for the period to be appropriated9905€13k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€11k▼
Transfer to equity691/2€13k€11k▼
To other reserves6921€13k€11k▼
The notes to these accounts (13 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €28k ▲662%
Operating result €43k, net result €28k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.48
Current ratio from 0.90 to 2.48; short-term debt falls from €21k to €18k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €146 ▼97.1%
Net result drops to €146, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Peer · 1 establishment unit since 2020
Ground area
621 m²
Building footprint
120 m²
Volume, LiDAR
627 m³
Parcel 72035B0162/00V005, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BiniBo
since 20202.306.702.857
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72035B0162/00V005 | Flanders | 621 m² | 1 · 120 m² | 9.3 m · 2 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 · 494 EUR awarded · 321 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 494 EUR | 321 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,227 companies in sector 10712 we hold annual accounts for 1,870. 1,581 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
Founded09-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
49410Freight transport by road
49420Removal services
82990Other business support services
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.