GROUPE B&O
ActiveGROUPE B&O has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €6k. Equity is shrinking by ~674.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 24% of 13549 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency8▼-34
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.8 against 0.91 in 2024), and 97.3% 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 68
Relative position
BE, all sectors
reference
Sector 68
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 13549 sector peers (2025).
NBB · sector comparisonPosition among 13549 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 10 filingsDeviation from the deadline
2025
19 d late
2024
31 d late
2022
134 d late
2021
96 d early
2020
31 d late
2019
61 d late
2018
35 d early
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6k▼ 67.1%
2024 · €19k
2022: €10k
2024: €19k
2022 → 2025
Working capital
€-21k▼ 152%
2024 · €-8k
2022: €41k
2024: €-8k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220242025Trend
Equity€71k-€-3k€3k
Operating result€23k-€21k▼ 10.0%€8k▼ 63.3%
Net result€10k-€19k▲ 90.3%€6k▼ 67.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 63% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€30k▲ 54.7%
Current assets
€85k▲ 7.2%
Equity and liabilities €116k
Equity
€3k
Debt
€112k
Debt finances 97.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€11k▼
2024 · €30k
Cash flow
€9k▼
2024 · €29k
Solvency
2.7%▲
2024 · -3.4%
Current ratio
0.80▼
2024 · 0.91
Quick ratio
0.80▼
2024 · 0.91
Debt / equity
36.66▲
2024 · -30.68
ROE
208.8%▲
2024 · -583.3%
ROA
5.5%▼
2024 · 19.6%
Interest coverage
8.97▼
2024 · 27.39
Debt
€112k▲
2024 · €102k
Debt ≤ 1 year
€106k▲
2024 · €88k
Debt > 1 year
€6k▼
2024 · €15k
Staff costs
€56k▼
2024 · €59k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€99k€116k▲
Fixed assets
21/28€20k€30k▲
Tangible fixed assets
22/27€13k€23k▲
Financial fixed assets
28€7k€7k=
Current assets
29/58€79k€85k▲
Amounts receivable within one year
40/41€18k€42k▲
Investments
50/53€4k-
Cash & bank
54/58€56k€41k▼
Total equity & liabilities
10/49€99k€116k▲
Equity
10/15€-3k€3k▲
Contributions / capital
10/11€50k€50k=
Reserves
13€10k€10k=
Accumulated profits (losses)
14€-63k€-57k▲
Amounts payable
17/49€102k€112k▲
Amounts payable after one year
17€15k€6k▼
Amounts payable within one year
42/48€88k€106k▲
Trade debts payable within one year
44€61k€82k▲
Income statement
Code20242025
Gross operating margin
9900€91k€68k▼
Operating result
9901€21k€8k▼
Financial charges
65€1k€1k▲
Result before taxes
9903€20k€6k▼
Income taxes
67/77€70-
Net result for the period
9904€19k€6k▼
Result to be appropriated
9905€19k€6k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €6k ▼67.1%
Net result drops to €6k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2022net €19k ▲90.3%
Net result €19k, the highest in the series.
21-08
State Gazette act
Registered-office change
Marc MARON
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 134 days late
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
GT LIVING
BE 0801.453.491
Arlon · Eq €3k
AD ASSIST
BE 0767.593.365
Hoogstraten · Eq €3k
KAIZEN LD
BE 1030.796.729
Nivelles · Eq €3k
MADE IN REAL ESTATE
BE 0741.955.869
Rixensart · Eq €3k
SOLVAM
BE 0743.984.258
Keerbergen · Eq €3k
Of 7,293 companies in sector 68110 we hold annual accounts for 5,107. 844 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-12-2008
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68310Real estate agency activities
68311Real estate activities
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-07-2026. Scores and ratios are computed by Checked and are not a credit decision.