B.C.D.
ActiveSummary
The computed 12-month bankruptcy probability of B.C.D. is 1.6% (moderate). The 2025 annual accounts show equity of €37,108 and a net result of -€21,013. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 47% of 28184 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-69
Solvency70▼-1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.07 in 2024; short-term debt: 55.1% and cash: 31.5% of total assets), and 55.1% of the assets are financed with debt.
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Signals
Six 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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 dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.9%
Return on assets
-25.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€21,013
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
26 d late
2023
28 d late
2022
27 d late
2021
27 d late
2020
27 d late
2019
31 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 28 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€37,108▼ 36.2%
2024 · €58,121
Total assets
€82,700▼ 35.2%
2024 · €127,663
Net result
-€21,013▼ 16,677%
2024 · -€125
Working capital
€489▼ 89.5%
2024 · €4,644
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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€32,314▲ 3,939%-€12,064€1,753€674▼ 61.6%-€19,648
Net result€23,514within the sector's middle half-€12,835below the sector's middle half€522within the sector's middle half-€125below the sector's middle half-€21,013below the sector's middle half▼ 16,677%
Equity€70,559within the sector's middle half▲ 50.0%€57,725within the sector's middle half▼ 18.2%€58,246within the sector's middle half▲ 0.9%€58,121within the sector's middle half▼ 0.2%€37,108within the sector's middle half▼ 36.2%
Total assets€174,195within the sector's middle half▲ 71.6%€158,048within the sector's middle half▼ 9.3%€157,118within the sector's middle half▼ 0.6%€127,663within the sector's middle half▼ 18.7%€82,700within the sector's middle half▼ 35.2%
Debt€103,636▲ 90.2%€100,323▼ 3.2%€98,872▼ 1.4%€69,542▼ 29.7%€45,592▼ 34.4%
Working capital€43,451▲ 42.0%€36,402▼ 16.2%-€5,104€4,644€489▼ 89.5%
Solvency40.5%within the sector's middle half▼ 5.8pp36.5%within the sector's middle half▼ 4.0pp37.1%within the sector's middle half▲ 0.5pp45.5%within the sector's middle half▲ 8.5pp44.9%within the sector's middle half▼ 0.7pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction 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
The operating result turns negative in 2025: a loss of €19,648 after €674 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82,700
Fixed assets
€36,619 ▼ 31.5%
Current assets
€46,082 ▼ 37.9%
Equity and liabilities €82,700
Equity
€37,108 ▼ 36.2%
Debt
€45,592 ▼ 34.4%
Debt's share of the balance-sheet total rises from 54.5% to 55.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€1,245▼
2024 · €17,878
Cash flow
-€2,610▼
2024 · €17,079
Current ratio
1.01▼
2024 · 1.07
Quick ratio
0.74▲
2024 · 0.39
Debt to equity
1.23▲
2024 · 1.20
ROE
-56.6%▼
2024 · -0.2%
ROA
-25.4%▼
2024 · -0.1%
Interest coverage
-1.27▼
2024 · 29.87
Debt ≤ 1 year
€45,592▼
2024 · €69,542
Income taxes
€424▲
2024 · €283
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,827 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
14%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 5,827 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €8,678 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,039 | €8,464 | €9,739 | €17,204 | €18,403 | ▲ 7.0% |
| Other operating charges640/8 | €2,289 | €4,115 | €6,227 | €7,242 | €2,252 | ▼ 68.9% |
| Gross operating margin9900 | €48,642 | €515 | €17,719 | €25,120 | €1,006 | ▼ 96.0% |
| Operating profit (loss)9901 | €32,314 | -€12,064 | €1,753 | €674 | -€19,648 | ▼ 3,015% |
| Financial income75/76B | €50 | €75 | €118 | €82 | €40 | ▼ 51.5% |
| Recurring financial income75 | €50 | €75 | €118 | €82 | €40 | ▼ 51.5% |
| Financial charges65/66B | €455 | €463 | €383 | €598 | €981 | ▲ 63.8% |
| Recurring financial charges65 | €455 | €453 | €383 | €598 | €981 | ▲ 63.8% |
| Non-recurring financial charges66B | - | €10 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €31,909 | -€12,452 | €1,489 | €157 | -€20,588 | ▼ 13,176% |
| Income taxes67/77 | €8,395 | €382 | €967 | €283 | €424 | ▲ 50.1% |
| Profit (loss) for the period9904 | €23,514 | -€12,835 | €522 | -€125 | -€21,013 | ▼ 16,677% |
| Profit (loss) for the period to be appropriated9905 | €23,514 | -€12,835 | €522 | -€125 | -€21,013 | ▼ 16,677% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €174,195 | €158,048 | €157,118 | €127,663 | €82,700 | ▼ 35.2% |
| Fixed assets21/28 | €27,109 | €21,323 | €63,350 | €53,477 | €36,619 | ▼ 31.5% |
| Tangible fixed assets22/27 | €27,109 | €21,323 | €63,350 | €53,477 | €36,619 | ▼ 31.5% |
| Plant, machinery and equipment23 | - | - | €3,457 | €6,147 | €4,725 | ▼ 23.1% |
| Furniture and vehicles24 | €27,109 | €21,323 | €59,894 | €47,330 | €31,894 | ▼ 32.6% |
| Current assets29/58 | €147,086 | €136,725 | €93,768 | €74,186 | €46,082 | ▼ 37.9% |
| Stocks and contracts in progress3 | - | €23,200 | €16,350 | €47,300 | €12,500 | ▼ 73.6% |
| Contracts in progress37 | - | €23,200 | €16,350 | €47,300 | €12,500 | ▼ 73.6% |
| Amounts receivable within one year40/41 | €125,491 | €98,067 | €32,299 | €17,597 | €7,536 | ▼ 57.2% |
| Trade receivables40 | €114,287 | €83,622 | €24,574 | €10,792 | - | - |
| Other amounts receivable41 | €11,205 | €14,445 | €7,725 | €6,805 | €7,536 | ▲ 10.7% |
| Current investments50/53 | €8 | €8 | €8 | €8 | €8 | = |
| Cash at bank and in hand54/58 | €21,587 | €15,450 | €45,111 | €7,913 | €26,037 | ▲ 229% |
| Deferred charges and accrued income490/1 | - | - | - | €1,369 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €174,195 | €158,048 | €157,118 | €127,663 | €82,700 | ▼ 35.2% |
| Equity10/15 | €70,559 | €57,725 | €58,246 | €58,121 | €37,108 | ▼ 36.2% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €20,451 | ▲ 10.0% |
| Outside capital11 | €18,592 | - | - | - | - | - |
| Other1109/19 | €18,592 | - | - | - | - | - |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | - | - |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | - | - |
| Profit (loss) carried forward14 | €50,108 | €37,273 | €37,795 | €37,670 | €16,657 | ▼ 55.8% |
| Amounts payable17/49 | €103,636 | €100,323 | €98,872 | €69,542 | €45,592 | ▼ 34.4% |
| Amounts payable within one year42/48 | €103,636 | €100,323 | €98,872 | €69,542 | €45,592 | ▼ 34.4% |
| Trade debts44 | €69,466 | €63,506 | €63,091 | €35,400 | €12,419 | ▼ 64.9% |
| Suppliers440/4 | €69,466 | €63,506 | €63,091 | €35,400 | €12,419 | ▼ 64.9% |
| Taxes, remuneration and social security45 | €17,526 | €18,770 | €12,760 | €7,881 | €10,902 | ▲ 38.3% |
| Taxes450/3 | €17,526 | €18,770 | €12,760 | €7,881 | €10,902 | ▲ 38.3% |
| Other amounts payable47/48 | €16,644 | €18,047 | €23,020 | €26,261 | €22,272 | ▼ 15.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,514 | -€12,835 | €522 | -€125 | -€21,013 | ▼ 16,677% |
| + Depreciation and write-downs630 | €14,039 | €8,464 | €9,739 | €17,204 | €18,403 | ▲ 7.0% |
| Operating cash flow (approximation) | €37,554 | -€4,371 | €10,261 | €17,079 | -€2,610 | ▼ 115% |
| Investment in fixed assets (approximation) | - | -€2,678 | -€51,766 | -€7,331 | -€1,545 | ▲ 78.9% |
| Change in cash | - | -€6,137 | €29,661 | -€37,198 | €18,125 | ▲ 149% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet -€21,013
Net result drops to -€21,013, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €522
Net result €522 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-12
Financial
Back to profitnet €23,514
Net result €23,514 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 48 days late
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Anderlecht · 1 establishment unit since 2000
Ground area
126 m²
Building footprint
114 m²
Volume, LiDAR
931 m³
Parcel 21304B0036/00C005, Brussels · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Verheydenstraat 28, 1070 Anderlecht
since 20002.115.959.780
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0036/00C005indicative | Brussels | 125 m² | 1 · 114 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,521 companies in sector 43990 we hold annual accounts for 7,420. 5,871 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
Founded17-08-2000
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43110Demolition
43320Joinery installation
43331Floor and wall tiling
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472590829
Registered
13-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.