BIP EXPRESS
ActiveSummary
BIP EXPRESS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.19M and a net result of €48k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 387 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-5
Solvency96▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.57 in 2024; short-term debt: 28.8% and cash: 21.5% of total assets), and 28.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
71.2%
Return on assets
2.9%
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 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
45 d early
2023
48 d early
2022
47 d early
2021
44 d early
2020
46 d early
2019
42 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€48k▼ 57.1%
2024 · €113k
2018: €49k
2019: €89k
2020: €71k
2021: €35k
2022: €87k
2023: €34k
2024: €113k
2018 → 2025
Working capital
€314k▲ 2.6%
2024 · €306k
2018: €306k
2019: €247k
2020: €275k
2021: €338k
2022: €261k
2023: €243k
2024: €306k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€916k-€997k▲ 8.8%€1.03M▲ 3.4%€1.14M▲ 10.9%€1.19M▲ 4.2%
Operating result€42k-€-34k€43k€121k▲ 180%€61k▼ 49.4%
Net result€35k-€87k▲ 150%€34k▼ 61.3%€113k▲ 236%€48k▼ 57.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€877k ▲ 4.8%
Current assets
€796k ▼ 5.8%
Equity and liabilities €1.67M
Equity
€1.19M ▲ 4.2%
Debt
€482k ▼ 10.6%
Debt's share of the balance-sheet total falls from 32.0% to 28.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69k▼
2024 · €127k
Cash flow
€56k▼
2024 · €118k
Current ratio
1.65▲
2024 · 1.57
Debt to equity
0.40▼
2024 · 0.47
ROE
4.1%▼
2024 · 9.9%
ROA
2.9%▼
2024 · 6.7%
Interest coverage
30.60▼
2024 · 41.90
Debt ≤ 1 year
€482k▼
2024 · €539k
Income taxes
€12k▲
2024 · €10k
Staff costs
€3.31M▲
2024 · €2.59M
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.68M€1.67M▼
Fixed assets21/28€836k€877k▲
Intangible fixed assets21€20k€18k▼
Tangible fixed assets22/27€21k€15k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€796k€844k▲
Current assets29/58€845k€796k▼
Amounts receivable after more than one year29€99k€0▼
Other amounts receivable291€99k€0▼
Amounts receivable within one year40/41€501k€430k▼
Trade receivables40€298k€223k▼
Other amounts receivable41€202k€206k▲
Cash at bank and in hand54/58€240k€359k▲
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.67M▼
Equity10/15€1.14M€1.19M▲
Contributions10/11€14k€14k=
Reserves13€1.13M€1.18M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€1.02M€1.06M▲
Distributable reserves133€112k€112k=
Amounts payable17/49€539k€482k▼
Amounts payable within one year42/48€539k€482k▼
Current portion of amounts payable after more than one year42€30k€8k▼
Trade debts44€108k€138k▲
Suppliers440/4€108k€138k▲
Advances received on contracts in progress46€48k€66k▲
Taxes, remuneration and social security45€340k€257k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€337k€252k▼
Other amounts payable47/48€13k€13k=
Accrued charges and deferred income492/3-€135
Income statement
Code20242025
Non-recurring operating income76A€66k€44k▼
Remuneration, social security and pensions62€2.59M€3.31M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A€5k€6k▲
Gross operating margin9900€2.72M€3.39M▲
Operating profit (loss)9901€121k€61k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€1k€2k▲
Non-recurring financial income76B€3k€0▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€122k€60k▼
Income taxes67/77€10k€12k▲
Profit (loss) for the period9904€113k€48k▼
Transfer to tax-exempt reserves689€113k€48k▼
Profit (loss) for the period to be appropriated9905€0-
Appropriation of the result
Profit (loss) to be appropriated9906€0-
Social balance
Average headcount (FTE)908797.6118.0▲
The notes to these accounts (18 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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €113k ▲236%
Operating result €121k, net result €113k, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €34k ▼61.3%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €1MEq €1.03M ▲3.4%
6 profitable years in a row build equity to €1.03M.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 acts for this company are 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, Grâce-Hollogne · 2 establishment units since 2005
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.
Rue du Tirogne(GH) 404460 Grâce-HollogneGround area
1,275 m²
Building footprint
267 m²
Volume, LiDAR
1,601 m³
3 parcels, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
BIP EXPRESS
since 20052.156.677.808
Corticlean Oupeye
since 20212.324.162.659
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62079A1007/00P002 | Wallonia | 502 m² | 1 · 67 m² | 8.1 m · 2 fl. |
| 62054B0553/00X002indicative | Wallonia | 438 m² | 1 · 159 m² | 9.3 m · 2 fl. |
| 62453A0725/00M000 | Wallonia | 335 m² | 1 · 41 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels 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
2022 to 2025 · 4 entries · 91,978 EUR awarded · 91,978 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 19,852 EUR | 19,852 EUR |
| 2024 | 1 | 23,236 EUR | 23,236 EUR |
| 2023 | 1 | 27,088 EUR | 27,088 EUR |
| 2022 | 1 | 21,802 EUR | 21,802 EUR |
Schemes
Dienstencheques
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Of 2,203 companies in sector 88999 we hold annual accounts for 802. 549 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 formCooperative company
Founded04-05-2000
Fiscal year end31-12
Activities, NACEBEL 2025
88999Other social work without accommodation
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:BIPEXPRESS@HOTMAIL.COM
Phone:042528655
Fax:042529655