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B.C.A.

Active
Private limited company (pre-2019)founded 199036 yrs activeQuai de la Dérivation 48, 4020 Liège, BelgiumKBO/BCE: BE 0440.683.272
Summary

B.C.A. has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42,020 and a net result of €8,265. Equity is shrinking by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability89▲+3
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 2.05 against 1.99 in 2024; short-term debt: 17% and cash: 16.6% of total assets), and 17% of the assets are financed with debt.
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Signals

Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 36 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
83%
Return on assets
16.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 24-02-2026, 157 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
157 d early
2024
177 d early
2023
160 d early
2022
42 d early
2021
153 d early
2020
12 d early
2019
40 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 94 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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. Usually files around 24 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 18 May 1990, B.C.A. was incorporated.1 Total assets went from EUR 53,571 in 2018 to EUR 50,618 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€42,020=
2024 · €42,005
Total assets
€50,618▲ 1.3%
2024 · €49,990
Net result
€8,265▲ 22.0%
2024 · €6,774
Working capital
€9,045▲ 14.9%
2024 · €7,875
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€5,496▼ 6.8%€7,557▲ 37.5%€9,163▲ 21.2%€9,473▲ 3.4%€11,505▲ 21.5%
Net result€3,631below the sector's middle half▼ 2.7%€5,313below the sector's middle half▲ 46.3%€6,547below the sector's middle half▲ 23.2%€6,774below the sector's middle half▲ 3.5%€8,265below the sector's middle half▲ 22.0%
Equity€43,871within the sector's middle half▼ 27.2%€43,184within the sector's middle half▼ 1.6%€42,730within the sector's middle half▼ 1.0%€42,005within the sector's middle half▼ 1.7%€42,020within the sector's middle half=
Total assets€65,742below the sector's middle half▲ 1.9%€49,241below the sector's middle half▼ 25.1%€50,062below the sector's middle half▲ 1.7%€49,990below the sector's middle half▼ 0.1%€50,618below the sector's middle half▲ 1.3%
Debt€21,871▲ 414%€6,057▼ 72.3%€7,332▲ 21.0%€7,985▲ 8.9%€8,598▲ 7.7%
Working capital€5,710below the sector's middle half▼ 71.5%€6,529below the sector's middle half▲ 14.3%€7,446below the sector's middle half▲ 14.0%€7,875below the sector's middle half▲ 5.8%€9,045within the sector's middle half▲ 14.9%
Solvency66.7%within the sector's middle half▼ 26.7pp87.7%above the sector's middle half▲ 21.0pp85.4%above the sector's middle half▼ 2.3pp84.0%above the sector's middle half▼ 1.3pp83.0%above the sector's middle half▼ 1.0pp
Current ratio1.26within the sector's middle half▼ 4.452.08within the sector's middle half▲ 0.822.02within the sector's middle half▼ 0.061.99within the sector's middle half▼ 0.032.05within the sector's middle half▲ 0.07
Return on assets (ROA)5.5%within the sector's middle half▼ 0.3pp10.8%within the sector's middle half▲ 5.3pp13.1%within the sector's middle half▲ 2.3pp13.6%within the sector's middle half▲ 0.5pp16.3%within the sector's middle half▲ 2.8pp
above within below the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000Operating result 2021: €5,496€5,496Net result 2021: €3,631€3,631Operating result 2022: €7,557€7,557Net result 2022: €5,313€5,313Operating result 2023: €9,163€9,163Net result 2023: €6,547€6,547Operating result 2024: €9,473€9,473Net result 2024: €6,774€6,774Operating result 2025: €11,505€11,505Net result 2025: €8,265€8,26520212022202320242025€0€5,000€10,000Operating result 2023: €9,163€9,160Net result 2023: €6,547€6,550Operating result 2024: €9,473€9,470Net result 2024: €6,774€6,770Operating result 2025: €11,505€11,500Net result 2025: €8,265€8,270202320242025
The operating result has risen four years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50,618
Fixed assets €32,975 ▼ 3.4%
Current assets €17,643 ▲ 11.2%
Equity and liabilities €50,618
Equity €42,020 =
Debt €8,598 ▲ 7.7%
Debt's share of the balance-sheet total rises from 16.0% to 17.0%. Debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€12,660▲
2024 · €10,628
Cash flow
€9,420▲
2024 · €7,929
Debt to equity
0.20▲
2024 · 0.19
ROE
19.7%▲
2024 · 16.1%
Interest coverage
281.33▲
2024 · 236.17
Debt ≤ 1 year
€8,598▲
2024 · €7,985
Income taxes
€3,195▲
2024 · €2,654
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.5% went bankrupt
5.9% stopped otherwise
93% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 31,370 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€49,990€50,618▲
Fixed assets21/28€34,130€32,975▼
Tangible fixed assets22/27€34,130€32,975▼
Land and buildings22€34,130€32,975▼
Current assets29/58€15,860€17,643▲
Amounts receivable within one year40/41-€9,250
Other amounts receivable41-€9,250
Cash at bank and in hand54/58€15,860€8,393▼
Equity and liabilities
Total equity and liabilities10/49€49,990€50,618▲
Equity10/15€42,005€42,020=
Contributions10/11€18,600€18,600=
Capital10€18,600€18,600=
Issued capital100€18,600€18,600=
Revaluation surpluses12€12,555€11,400▼
Reserves13€10,849€12,019▲
Non-distributable reserves130/1€1,860€1,860=
Legal reserve130€1,860€1,860=
Distributable reserves133€8,989€10,159▲
Amounts payable17/49€7,985€8,598▲
Amounts payable within one year42/48€7,985€8,598▲
Trade debts44€64-
Suppliers440/4€64-
Taxes, remuneration and social security45€422€348▼
Taxes450/3€422€348▼
Other amounts payable47/48€7,500€8,250▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,155€1,155=
Other operating charges640/8€387€400▲
Gross operating margin9900€11,015€13,060▲
Operating profit (loss)9901€9,473€11,505▲
Financial charges65/66B€45€45=
Recurring financial charges65€45€45=
Profit (loss) for the period before taxes9903€9,428€11,460▲
Income taxes67/77€2,654€3,195▲
Profit (loss) for the period9904€6,774€8,265▲
Profit (loss) for the period to be appropriated9905€6,774€8,265▲
Appropriation of the result
Profit (loss) to be appropriated9906€6,774€8,265▲
Transfer from equity791/2€726-
Transfer to equity691/2-€15
To other reserves6921-€15
Profit to be distributed694/7€7,500€8,250▲
Return on contributions (dividend)694€7,500€8,250▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,030€1,506€1,369€1,155€1,155=
Other operating charges640/8-€348€384€387€400▲ 3.2%
Gross operating margin9900€7,882€9,411€10,916€11,015€13,060▲ 18.6%
Operating profit (loss)9901€5,496€7,557€9,163€9,473€11,505▲ 21.5%
Financial charges65/66B-€45€45€45€45=
Recurring financial charges65€47€45€45€45€45=
Profit (loss) for the period before taxes9903€5,449€7,512€9,118€9,428€11,460▲ 21.6%
Income taxes67/77€1,818€2,200€2,571€2,654€3,195▲ 20.4%
Profit (loss) for the period9904€3,631€5,313€6,547€6,774€8,265▲ 22.0%
Profit (loss) for the period to be appropriated9905€3,631€5,313€6,547€6,774€8,265▲ 22.0%
Line20212022202320242025Change
Assets
Total assets20/58€65,742€49,241€50,062€49,990€50,618▲ 1.3%
Fixed assets21/28€38,160€36,654€35,285€34,130€32,975▼ 3.4%
Tangible fixed assets22/27€38,160€36,654€35,285€34,130€32,975▼ 3.4%
Land and buildings22-€36,654€35,285€34,130€32,975▼ 3.4%
Current assets29/58€27,582€12,586€14,777€15,860€17,643▲ 11.2%
Amounts receivable within one year40/41€293€393--€9,250-
Other amounts receivable41-€393--€9,250-
Cash at bank and in hand54/58€27,289€12,193€14,777€15,860€8,393▼ 47.1%
Equity and liabilities
Total equity and liabilities10/49€65,742€49,241€50,062€49,990€50,618▲ 1.3%
Equity10/15€43,871€43,184€42,730€42,005€42,020=
Contributions10/11-€18,600€18,600€18,600€18,600=
Capital10--€18,600€18,600€18,600=
Issued capital100--€18,600€18,600€18,600=
Outside capital11-€18,600----
Other1109/19-€18,600----
Revaluation surpluses12-€14,865€13,710€12,555€11,400▼ 9.2%
Reserves13€9,251€9,719€10,420€10,849€12,019▲ 10.8%
Non-distributable reserves130/1-€1,860€1,860€1,860€1,860=
Legal reserve130--€1,860€1,860€1,860=
Reserves not available under the articles1311-€1,860----
Distributable reserves133-€7,859€8,560€8,989€10,159▲ 13.0%
Profit (loss) carried forward14€2,128-----
Amounts payable17/49€21,871€6,057€7,332€7,985€8,598▲ 7.7%
Amounts payable within one year42/48€21,871€6,057€7,332€7,985€8,598▲ 7.7%
Trade debts44-€57€64€64--
Suppliers440/4-€57€64€64--
Taxes, remuneration and social security45--€268€422€348▼ 17.4%
Taxes450/3--€268€422€348▼ 17.4%
Other amounts payable47/48-€6,000€7,000€7,500€8,250▲ 10.0%
Line20212022202320242025Change
Profit (loss) for the period9904€3,631€5,313€6,547€6,774€8,265▲ 22.0%
+ Depreciation and write-downs630€2,030€1,506€1,369€1,155€1,155=
Operating cash flow (approximation)€5,661€6,819€7,916€7,929€9,420▲ 18.8%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash--€15,096€2,584€1,083-€7,467▼ 790%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-02
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Highest result since 2018net €8,265 ▲22%
Operating result €11,505, net result €8,265, both a record.
04-02
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
22-02
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
28-02
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
09-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
2019
31-12
Financial Back to profitnet €4,089
Net result €4,089 after one loss-making year.
29-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2013
04-06
NBB filing Annual accounts filed
fiscal year 2012 · full schema
2012
18-07
NBB filing Annual accounts filed
fiscal year 2011 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
6 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, Liège · 1 establishment unit since 1990
seat establishment The establishment unit on the map
Ground area
2,488 m²
Building footprint
377 m²
Volume, LiDAR
7,611 m³
2 parcels, Wallonia · tallest building 33.8 m, ±11 floors. Linked by address, not a title deed.
6 companies at this address See who is registered here
1 establishment unit
Rue Antoine Cuvelier 48, 4053 Chaudfontaine
Legal and accounting activities
since 19902.048.701.168
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62030C0009/00G000 Wallonia 1,991 m² 1 · 169 m² 8.6 m · 2 fl.
62808A0967/00V003 Wallonia 497 m² 1 · 209 m² 33.8 m · 11 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. D-JiM 100%
  2. B.C.A.

Highest known parent: D-JiM. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 2,772 companies in sector 69109 we hold annual accounts for 1,209. 899 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded18-05-1990
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0440683272
Also 9925:BE0440683272
Registered 08-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.