BORNE4ALL
ActiveSummary
The computed 12-month bankruptcy probability of BORNE4ALL is 2.0% (moderate). The 2025 annual accounts show equity of €504k and a net result of €96k. Equity is growing by ~42.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 27786 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
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 15.7 against 3.15 in 2024; short-term debt: 4% and cash: 45% of total assets), and 4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
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
96%
Return on assets
18.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
22 d late
2023
27 d late
2022
18 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, micro schema
Equity
€504k▲ 23.5%
2024 · €408k
2022: €108k
2023: €226k
2024: €408k
2022 → 2025
Total assets
€525k▲ 1.1%
2024 · €519k
2022: €189k
2023: €357k
2024: €519k
2022 → 2025
Net result
€96k▼ 47.4%
2024 · €182k
2022: €105k
2023: €117k
2024: €182k
2022 → 2025
Working capital
€305k▲ 30.3%
2024 · €234k
2022: €90k
2023: €177k
2024: €234k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€108k-€226k▲ 108%€408k▲ 80.9%€504k▲ 23.5%
Operating result€136k-€160k▲ 17.7%€239k▲ 48.6%€127k▼ 46.8%
Net result€105k-€117k▲ 11.4%€182k▲ 55.5%€96k▼ 47.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €525k
Fixed assets
€199k ▲ 13.1%
Current assets
€326k ▼ 5.0%
Equity and liabilities €525k
Equity
€504k ▲ 23.5%
Debt
€21k ▼ 81.3%
Debt's share of the balance-sheet total falls from 21.4% to 4.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€157k▼
2024 · €261k
Cash flow
€126k▼
2024 · €205k
Current ratio
15.70▲
2024 · 3.15
Quick ratio
14.96▲
2024 · 3.07
Debt to equity
0.04▼
2024 · 0.27
ROE
19.0%▼
2024 · 44.7%
ROA
18.3%▼
2024 · 35.2%
Interest coverage
94.40▼
2024 · 378.74
Debt ≤ 1 year
€21k▼
2024 · €109k
Income taxes
€29k▼
2024 · €55k
Staff costs
€4k▼
2024 · €48k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€519k€525k▲
Fixed assets21/28€176k€199k▲
Tangible fixed assets22/27€176k€199k▲
Land and buildings22€121k€115k▼
Plant, machinery and equipment23€17k€29k▲
Furniture and vehicles24€39k€56k▲
Other tangible fixed assets26€0-
Financial fixed assets28€0-
Current assets29/58€343k€326k▼
Stocks and contracts in progress3€9k€15k▲
Stocks30/36€9k€15k▲
Amounts receivable within one year40/41€39k€72k▲
Trade receivables40€134€14k▲
Other amounts receivable41€39k€57k▲
Cash at bank and in hand54/58€294k€236k▼
Deferred charges and accrued income490/1€252€2k▲
Equity and liabilities
Total equity and liabilities10/49€519k€525k▲
Equity10/15€408k€504k▲
Contributions10/11€3k€3k=
Reserves13-€501k
Distributable reserves133-€501k
Profit (loss) carried forward14€405k-
Amounts payable17/49€111k€21k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€109k€21k▼
Current portion of amounts payable after more than one year42€98k-
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€5k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€30k▲
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A-€175
Gross operating margin9900€310k€164k▼
Operating profit (loss)9901€239k€127k▼
Financial income75/76B€7-
Recurring financial income75€7-
Financial charges65/66B€689€2k▲
Recurring financial charges65€689€2k▲
Profit (loss) for the period before taxes9903€238k€125k▼
Income taxes67/77€55k€29k▼
Profit (loss) for the period9904€182k€96k▼
Profit (loss) for the period to be appropriated9905€182k€96k▼
Appropriation of the result
Profit (loss) to be appropriated9906€405k€501k▲
Profit (loss) brought forward from the previous period14P€223k€405k▲
Transfer to equity691/2-€501k
To other reserves6921-€501k
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €96k ▼47.4%
Net result drops to €96k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 15.70
Current ratio from 3.15 to 15.70; short-term debt falls from €109k to €21k.
31-12
Financial
Equity above €500kEq €504k ▲23.5%
4 profitable years in a row build equity to €504k.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Highest result since 2022net €182k ▲55.5%
Operating result €239k, net result €182k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €200kEq €226k ▲108%
2 profitable years in a row build equity to €226k.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beloeil · 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.
Rue des Viviers au Bois (Bel) 1667970 BeloeilGround area
2,332 m²
Building footprint
171 m²
Volume, LiDAR
1,106 m³
Parcel 51008A0538/00D000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Viviers au Bois (Bel) 166, 7970 Beloeil
since 20212.324.405.456
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51008A0538/00D000 | Wallonia | 2,332 m² | 1 · 171 m² | 8.7 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.
Similar companies · same sector, comparable size
BAEKE
BE 0831.837.059
Sint-Laureins · Eq €504,220
BOLDT
BE 0666.477.991
Heusden-Zolder · Eq €504,299
Protex
BE 0870.177.397
Herstal · Eq €503,286
ELEKTRO VAN DE SANDE
BE 0432.657.414
Hasselt · Eq €504,990
ELEKTRO TECHNIEK DE PAUW
BE 0886.499.430
Assenede · Eq €505,061
Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 6,467 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
Founded29-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
35140Electricity, gas, steam and air conditioning supply
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.