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B.C.D.E.M.

Active
Private limited companyfounded 2023active for 3 yearsClos Chanmurly 13, 4000 Liège, Belgium52 active companies are registered at this addressKBO/BCE: BE 0800.169.628
Summary

The annual accounts of B.C.D.E.M. for financial year 2024 show a net loss of 68% of the equity at the start of that year. The 2024 annual accounts show equity of €6,981 and a net result of -€14,507. Its solvency ranks better than 22% of 37,586 sector peers (NACE 70, financial year 2024). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Activity
Business and other management consultancy
NACE 70200
1 site
Size
€31,977total assets 2024
Equity
€6,981
Loss
-€14,507
Turnover not published (micro format)
Financial health
53 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
0.7%
Structure
Accounts 76 days overdue0 of 1 deed read
Why 53raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearFigures for financial year 2024 (filed 02-07-2025)Founded in 2023lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €31,977Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 14% of its sector peers (NACE 70, micro)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Weak
Solvency 47-51
equity 21.8% of total assets
Liquidity 40-39
short-term debt 78.2% · cash 26.3%
Profitability 0-100
return on assets -45.4%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,334 companies, NACE 70, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: 0.1%▲ +0.1 percentage points vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%▲ +0.1 percentage points vs 08-2026 10-2026: 0.7%▲ +0.3 percentage points vs 09-2026highest value
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.28, compared with 3.77 in 2023, below the usual 1.5; short-term debt: 78.2% and cash: 26.3% of total assets), and 78.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro): better than 25% on solvency, 20% on liquidity, 4% on profitability and 9% on growth.

The bankruptcy probability was computed on 14-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises riskneutral
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · Figures for financial year 2024 (filed 02-07-2025)
NBB · annual accounts
lowers risk · Size: total assets €31,977
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 37586 sector peers (2024).
NBB · sector comparison
Position among 37586 sector peers
Solvency
better than 22%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 76 days later.
NBB · 2 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline15-10-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
not filed
2024
29 days early
2023
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 1 day after the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Caution: Among the weakest 9% on net resultsector median €26,147 · 37,611 companies -€14,507 View
  • Caution: Accounts not fileddeadline was 31-07-2026 76 days late View
  • Total assets 20242 financial years filed €31,977 View

By topic

Financials

Financial year
2024
Total assets
€31,977
Loss
-€14,507
Solvency
21.8%
Total assets▲ 9.3%
Net result
20232024
Go to Financials

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
30-03-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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