Checked.be
Active
BE 0457.951.846Private limited company (pre-2019)
Bis Immo Belgium
Jaargetijdenlaan 100 ·1050 Elsene, Belgium· 30 yrs active
Sector: Agents specialised in the wholesale of other particular products
(46180)
Conclusion
Bis Immo Belgium has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-61k) and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 10877 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Based on the State Gazette, CBE and 7 annual accounts.
Key figures
| Equity | €-61k |
| Net result | €-4k |
| Better than sector | 10% |
| Active | 30 yrs |
Financial profile
51
/ 100
Mixed profile: strong on stability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
10
Profitability
32
Solvency
35
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1996, 30 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.
Checked score
10
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
20
2019
17
2020
17
2021
13
2022
15
2023
18
2024
10
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.56 (< 1.0)
-10
Quick ratio
Quick ratio 0.56 (< 0.6)
-5
Equity
Negative equity
-25
Profitability
ROE 6%
+3
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 25-02-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~36% of the level (threshold 35%). We therefore deliberately show no projection line.
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 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -77.4% | 42.6% | |
| Net result | €-4k | €6k | |
| Equity | €-61k | €60k | |
| Gross operating margin | €-3k | €29k | |
| Total assets | €78k | €175k |
€-4k
-15.1%
19-25
€78k
-0.3%
19-25
€-61k
-6.9%
19-25
€-60k
-6.9%
19-25
€139k
+2.7%
19-25
€139k
+2.7%
19-25
0.56
-2.9%
19-25
0.56
-2.9%
19-25
-77.4%
-7.2%
19-25
-2.29
+3.9%
19-25
6.4%
+7.7%
19-25
-5.0%
-15.5%
19-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Net profit | €-4k | €-3k | €-4k | €104k | €-172k |
| Cash flow | - | - | - | - | - |
| Staff costs | - | - | - | - | - |
| Income taxes | - | - | - | - | - |
| Dividends | - | - | - | - | - |
| Total assets | €78k | €79k | €127k | €144k | €35k |
| Equity | €-61k | €-57k | €-53k | €-50k | €-154k |
| Debt | €139k | €135k | €181k | €194k | €189k |
| of which ≤ 1y | €139k | €135k | €180k | €194k | €189k |
| of which > 1y | - | - | - | - | - |
| Working capital | €-60k | €-56k | €-53k | €-50k | €-153k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 0.56 | 0.58 | 0.71 | 0.74 | 0.19 |
| Quick ratio | 0.56 | 0.58 | 0.71 | 0.74 | 0.19 |
| Working capital ratio | -77.0% | -71.8% | -41.7% | -34.4% | -434.0% |
| Solvency | -77.4% | -72.2% | -41.9% | -34.6% | -434.8% |
| Debt / equity | -2.29 | -2.38 | -3.38 | -3.89 | - |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | - | - | - | - | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -5.0% | -4.3% | -2.8% | 72.1% | -487.3% |
| ROE | 6.4% | 6.0% | 6.6% | -208.3% | 112.1% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €78k | €79k | €127k | €144k | €35k |
| Fixed assets | 21/28 | €62 | €62 | €62 | €62 | €62 |
| Financial fixed assets | 28 | €62 | €62 | €62 | €62 | €62 |
| Current assets | 29/58 | €78k | €79k | €127k | €144k | €35k |
| Amounts receivable within one year | 40/41 | €78k | €78k | €127k | €144k | €35k |
| Cash & bank | 54/58 | €140 | €256 | - | €0 | €0 |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €78k | €79k | €127k | €144k | €35k |
| Equity | 10/15 | €-61k | €-57k | €-53k | €-50k | €-154k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | - |
| Accumulated profits (losses) | 14 | €-79k | €-75k | €-72k | €-68k | €-172k |
| Amounts payable | 17/49 | €139k | €135k | €181k | €194k | €189k |
| Amounts payable within one year | 42/48 | €139k | €135k | €180k | €194k | €189k |
| Trade debts payable within one year | 44 | €863 | €303 | €50k | €67k | €67k |
| Income statement | ||||||
| Gross operating margin | 9900 | €-3k | €-3k | €-3k | €104k | €-4k |
| Operating result | 9901 | €-4k | €-3k | €-4k | €104k | €-4k |
| Financial charges | 65 | €56 | - | €0 | €64 | €164 |
| Result before taxes | 9903 | €-4k | €-3k | €-4k | €104k | €-4k |
| Net result for the period | 9904 | €-4k | €-3k | €-4k | €104k | €-4k |
| Result to be appropriated | 9905 | €-4k | €-3k | €-4k | €104k | €-4k |
Legal Structure
| NACE primary | Agents specialised in the wholesale of other particular products(46180) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 27-05-1996 |
| Status | Active |
| Postal code | 1050 |
Establishment units
Jaargetijdenlaan 100, 1050 Elsene
since 19962.076.931.039
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0272/00M005 | Brussels | 1,289 m² | 1 · 1,331 m² | 21.4 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €104k
Net result €104k after 3 loss-making years.
15-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2021
30-06
Financial
Weakest financial yearnet €-172k
Net result drops to €-172k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 315 days late
2017
17-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
Agents specialised in the wholesale of other particular products4618051180
Names & trade names
| Legal nameNL | Bis Immo Belgium |
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