B &C° GROUP SERVICES
ActiveB &C° GROUP SERVICES has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €295k and a net result of €102k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 2262 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-1
Solvency67▲+21
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.9 against 0.55 in 2024; short-term debt: 49.9% and cash: 11.7% of total assets), and 58.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
41.8%
Return on assets
14.5%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
on the day
2023
8 d early
2022
4 d late
2021
9 d late
2020
1 d early
2019
6 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€295k▲ 53.0%
2024 · €193k
2018: €86k
2019: €154k
2020: €196k
2021: €225k
2022: €218k
2023: €232k
2024: €193k
2018 → 2025
Total assets
€706k▼ 22.3%
2024 · €908k
2018: €584k
2019: €558k
2020: €557k
2021: €798k
2022: €964k
2023: €866k
2024: €908k
2018 → 2025
Net result
€102k▼ 27.6%
2024 · €141k
2018: €40k
2019: €68k
2020: €41k
2021: €77k
2022: €48k
2023: €72k
2024: €141k
2018 → 2025
Working capital
€-36k▲ 86.1%
2024 · €-262k
2018: €-172k
2019: €-145k
2020: €-90k
2021: €-196k
2022: €-311k
2023: €-329k
2024: €-262k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€225k-€218k▼ 2.9%€232k▲ 6.3%€193k▼ 17.1%€295k▲ 53.0%
Operating result€129k-€28k▼ 78.4%€87k▲ 213%€207k▲ 137%€149k▼ 27.9%
Net result€77k-€48k▼ 38.0%€72k▲ 50.6%€141k▲ 96.7%€102k▼ 27.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €706k
Fixed assets
€390k▼ 33.4%
Current assets
€316k▼ 2.0%
Equity and liabilities €706k
Equity
€295k▲ 53.0%
Debt
€411k▼ 42.5%
The debt ratio falls from 78.8% to 58.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€361k▼
2024 · €420k
Cash flow
€314k▼
2024 · €354k
Solvency
41.8%▲
2024 · 21.2%
Current ratio
0.90▲
2024 · 0.55
Quick ratio
0.90▲
2024 · 0.55
Debt / equity
1.39▼
2024 · 3.71
ROE
34.6%▼
2024 · 73.2%
ROA
14.5%▼
2024 · 15.5%
Interest coverage
22.62▼
2024 · 27.91
Debt
€411k▼
2024 · €715k
Debt ≤ 1 year
€352k▼
2024 · €585k
Debt > 1 year
€59k▼
2024 · €128k
Income taxes
€31k▼
2024 · €51k
Staff costs
€1.02M▲
2024 · €911k
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
Assets
Total assets20/58€908k€706k▼
Formation expenses20€0€0=
Fixed assets21/28€585k€390k▼
Intangible fixed assets21€349k€207k▼
Tangible fixed assets22/27€236k€183k▼
Land and buildings22€90k€59k▼
Plant, machinery and equipment23€101k€101k▲
Furniture and vehicles24€15k€4k▼
Leasing and similar rights25€31k€19k▼
Financial fixed assets28€0€0=
Current assets29/58€322k€316k▼
Amounts receivable within one year40/41€232k€176k▼
Trade receivables40€221k€166k▼
Other amounts receivable41€11k€10k▼
Cash at bank and in hand54/58€53k€83k▲
Deferred charges and accrued income490/1€38k€57k▲
Equity and liabilities
Total equity and liabilities10/49€908k€706k▼
Equity10/15€193k€295k▲
Contributions10/11€24k€24k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€166k€268k▲
Amounts payable17/49€715k€411k▼
Amounts payable after more than one year17€128k€59k▼
Financial debts170/4€128k€59k▼
Amounts payable within one year42/48€585k€352k▼
Current portion of amounts payable after more than one year42€117k€69k▼
Financial debts43€8k€54k▲
Credit institutions430/8€8k€54k▲
Trade debts44€66k€41k▼
Suppliers440/4€66k€41k▼
Taxes, remuneration and social security45€212k€188k▼
Taxes450/3€43k€42k▼
Remuneration and social security454/9€169k€146k▼
Other amounts payable47/48€181k€0▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€911k€1.02M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€213k€212k▼
Other operating charges640/8€8k€9k▲
Gross operating margin9900€1.34M€1.39M▲
Operating profit (loss)9901€207k€149k▼
Financial income75/76B€17€0▼
Recurring financial income75€17€0▼
Financial charges65/66B€15k€16k▲
Recurring financial charges65€15k€16k▲
Profit (loss) for the period before taxes9903€192k€133k▼
Income taxes67/77€51k€31k▼
Profit (loss) for the period9904€141k€102k▼
Profit (loss) for the period to be appropriated9905€141k€102k▼
Appropriation of the result
Profit (loss) to be appropriated9906€347k€268k▼
Profit (loss) brought forward from the previous period14P€206k€166k▼
Transfer to equity691/2-€0
To the legal reserve6920-€0
Profit to be distributed694/7€181k-
Return on contributions (dividend)694€140k-
Directors or managers695€41k-
Social balance
Average headcount (FTE)908714.315.3▲
The notes to these accounts (16 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Equity above €200kEq €295k ▲53%
8 profitable years in a row build equity to €295k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €141k ▲96.7%
Operating result €207k, net result €141k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 9 days late
2021
31-12
Financial
Equity above €200kEq €225k ▲14.5%
4 profitable years in a row build equity to €225k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 6 days late
2019
31-12
Financial
Equity above €150kEq €154k ▲78.4%
2 profitable years in a row build equity to €154k.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-11-2025
Jan VREYS: Resigned as Director
03-03-2022
Jo SCHOPS: Resigned as Director
29-12-2020
Geert DE CAMPENEERE: Resigned as Director
30-11-2016
Lieve GALLE: Resigned as Director
30-11-2016
Lieve GALLE: Resigned as Managing director
Location & real-estate footprint
Registered office, Herzele · 1 establishment unit since 2014
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.
Mutsaardstraat 479550 HerzeleGround area
884 m²
Building footprint
355 m²
Volume, LiDAR
1,876 m³
Parcel 41060B0516/00E000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Mutsaardstraat 47, 9550 Herzele
since 20142.231.396.017
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41060B0516/00E000 | Flanders | 884 m² | 1 · 355 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,646 EUR awarded · 2,558 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 677 EUR | 677 EUR |
| 2024 | 1 | 449 EUR | 1,711 EUR |
| 2023 | 1 | 1,350 EUR | 0 EUR |
| 2022 | 1 | 170 EUR | 170 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,219 companies in sector 82100 we hold annual accounts for 3,512. 2,285 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded26-02-2014
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.