BLDS
ActiveSummary
The computed 12-month bankruptcy probability of BLDS is 3.1% (moderate). The 2025 annual accounts show equity of €221k and a net result of €58k. Equity is growing by ~64.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 3674 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+8
Solvency64▲+10
Growth78=
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 0.84 in 2024; short-term debt: 12.8% and cash: 13.6% of total assets), but 60.9% of the assets are financed with debt.
Credit advice 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
39.1%
Return on assets
10.3%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
8 d early
2023
20 d late
2022
17 d late
2021
23 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€221k▲ 35.6%
2024 · €163k
2021: €28k
2022: €63k
2023: €138k
2024: €163k
2021 → 2025
Total assets
€564k▲ 1.6%
2024 · €556k
2021: €145k
2022: €143k
2023: €224k
2024: €556k
2021 → 2025
Net result
€58k▲ 136%
2024 · €25k
2021: €23k
2022: €35k
2023: €75k
2024: €25k
2021 → 2025
Working capital
€47k
2024 · €-13k
2021: €-27k
2022: €9k
2023: €84k
2024: €-13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€63k▲ 125%€138k▲ 120%€163k▲ 17.7%€221k▲ 35.6%
Operating result€33k-€49k▲ 50.8%€109k▲ 123%€45k▼ 59.3%€96k▲ 115%
Net result€23k-€35k▲ 52.5%€75k▲ 116%€25k▼ 67.5%€58k▲ 136%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 115% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €564k
Fixed assets
€445k ▼ 8.0%
Current assets
€119k ▲ 66.7%
Equity and liabilities €564k
Equity
€221k ▲ 35.6%
Debt
€344k ▼ 12.5%
Debt's share of the balance-sheet total falls from 70.7% to 60.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€150k▲
2024 · €122k
Cash flow
€112k▲
2024 · €102k
Current ratio
1.65▲
2024 · 0.84
Quick ratio
1.59▲
2024 · 0.80
Debt to equity
1.56▼
2024 · 2.41
ROE
26.2%▲
2024 · 15.1%
ROA
10.3%▲
2024 · 4.4%
Interest coverage
9.80▲
2024 · 9.29
Debt ≤ 1 year
€72k▼
2024 · €85k
Debt > 1 year
€272k▼
2024 · €308k
Income taxes
€23k▲
2024 · €7k
Staff costs
€5k▼
2024 · €5k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€556k€564k▲
Fixed assets21/28€484k€445k▼
Tangible fixed assets22/27€484k€445k▼
Land and buildings22€332k€324k▼
Plant, machinery and equipment23€68k€64k▼
Furniture and vehicles24€82k€57k▼
Other tangible fixed assets26€3k€0▼
Financial fixed assets28€15€15=
Current assets29/58€71k€119k▲
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€16k€25k▲
Trade receivables40€4k€5k▲
Other amounts receivable41€12k€19k▲
Cash at bank and in hand54/58€43k€77k▲
Deferred charges and accrued income490/1€9k€13k▲
Equity and liabilities
Total equity and liabilities10/49€556k€564k▲
Equity10/15€163k€221k▲
Contributions10/11€5k€5k=
Reserves13€158k€216k▲
Distributable reserves133€158k€216k▲
Profit (loss) carried forward14€6€6=
Amounts payable17/49€393k€344k▼
Amounts payable after more than one year17€308k€272k▼
Financial debts170/4€308k€272k▼
Amounts payable within one year42/48€85k€72k▼
Current portion of amounts payable after more than one year42€35k€36k▲
Trade debts44€35k€22k▼
Suppliers440/4€35k€22k▼
Advances received on contracts in progress46-€920
Taxes, remuneration and social security45€12k€8k▼
Taxes450/3€12k€8k▼
Other amounts payable47/48€2k€5k▲
Accrued charges and deferred income492/3€0€25▲
Income statement
Code20242025
Remuneration, social security and pensions62€5k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€54k▼
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€132k€162k▲
Operating profit (loss)9901€45k€96k▲
Financial income75/76B€7€7▲
Recurring financial income75€7€7▲
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€31k€81k▲
Income taxes67/77€7k€23k▲
Profit (loss) for the period9904€25k€58k▲
Profit (loss) for the period to be appropriated9905€25k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€58k▲
Profit (loss) brought forward from the previous period14P-€6
Transfer to equity691/2€25k€58k▲
To the legal reserve6920€0-
To other reserves6921€25k€58k▲
The notes to these accounts (14 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €221k ▲35.6%
5 profitable years in a row build equity to €221k.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €163k ▲17.7%
4 profitable years in a row build equity to €163k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
31-12
Financial
Highest result since 2021net €75k ▲116%
Operating result €109k, net result €75k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.43
Current ratio from 1.20 to 3.43; short-term debt falls from €46k to €34k.
31-12
Financial
Equity above €100kEq €138k ▲120%
3 profitable years in a row build equity to €138k.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 17 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Lievens-Houtem · 1 establishment unit since 2021
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.
Marktplein 739520 Sint-Lievens-HoutemGround area
156 m²
Building footprint
121 m²
Volume, LiDAR
854 m³
Parcel 41063C0215/00K003, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
't Houtems Frietpaleis
since 20212.313.801.178
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41063C0215/00K003 | Flanders | 156 m² | 1 · 121 m² | 11.3 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Lievens-Houtem2.313.801.178
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3N
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 6,469 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
Founded12-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.