B&C Groupe
ActiveThe computed 12-month bankruptcy probability of B&C Groupe is 1.8% (moderate). The 2025 annual accounts show equity of €291k and a net result of €224k. Equity is growing by ~188.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 4147 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+16
Solvency84▲+29
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 1.1 in 2024; short-term debt: 40.7% and cash: 3.6% of total assets), and 40.7% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
59.3%
Return on assets
45.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
47 d early
2024
23 d early
2023
19 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€224k▲ 725%
2024 · €27k
2023: €34k
2024: €27k
2023 → 2025
Working capital
€171k▲ 1,046%
2024 · €15k
2023: €-13k
2024: €15k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€39k-€67k▲ 69.1%€291k▲ 337%
Operating result€48k-€38k▼ 20.9%€126k▲ 234%
Net result€34k-€27k▼ 20.9%€224k▲ 725%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 234% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €490k
Fixed assets
€119k▲ 136%
Current assets
€371k▲ 120%
Equity and liabilities €491k
Equity
€291k▲ 337%
Debt
€200k▲ 30.0%
The debt ratio falls from 69.8% to 40.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€130k▲
2024 · €38k
Cash flow
€229k▲
2024 · €28k
Solvency
59.3%▲
2024 · 30.2%
Current ratio
1.86▲
2024 · 1.10
Quick ratio
1.86▲
2024 · 1.10
Debt / equity
0.69▼
2024 · 2.31
ROE
77.1%▲
2024 · 40.9%
ROA
45.7%▲
2024 · 12.3%
Interest coverage
1735.57▲
2024 · 251.34
Debt
€200k▲
2024 · €154k
Debt ≤ 1 year
€200k▲
2024 · €153k
Income taxes
€27k▲
2024 · €10k
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€220k€491k▲
Formation expenses20€1k€918▼
Fixed assets21/28€51k€119k▲
Tangible fixed assets22/27-€68k
Other tangible fixed assets26-€68k
Financial fixed assets28€51k€51k=
Current assets29/58€168k€371k▲
Amounts receivable within one year40/41€137k€307k▲
Trade receivables40€134k€78k▼
Other amounts receivable41€3k€228k▲
Current investments50/53-€45k
Cash at bank and in hand54/58€31k€18k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€220k€491k▲
Equity10/15€67k€291k▲
Contributions10/11€5k€5k=
Reserves13€62k€286k▲
Distributable reserves133€62k€286k▲
Amounts payable17/49€154k€200k▲
Amounts payable within one year42/48€153k€200k▲
Trade debts44€133k€71k▼
Suppliers440/4€133k€71k▼
Taxes, remuneration and social security45€11k€11k▼
Taxes450/3€11k€11k▼
Other amounts payable47/48€10k€118k▲
Accrued charges and deferred income492/3€301€35▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€531€4k▲
Other operating charges640/8€384€527▲
Gross operating margin9900€39k€131k▲
Operating profit (loss)9901€38k€126k▲
Financial income75/76B€78€125k▲
Recurring financial income75€78€125k▲
Financial charges65/66B€152€75▼
Recurring financial charges65€152€75▼
Profit (loss) for the period before taxes9903€38k€251k▲
Income taxes67/77€10k€27k▲
Profit (loss) for the period9904€27k€224k▲
Profit (loss) for the period to be appropriated9905€27k€224k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€224k▲
Transfer to equity691/2€27k€224k▲
To other reserves6921€27k€224k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Highest result since 2023net €224k ▲725%
Operating result €126k, net result €224k, both a record.
30-06
Financial
Equity above €200kEq €291k ▲337%
3 profitable years in a row build equity to €291k.
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Weakest financial yearnet €27k ▼20.9%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2022
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.
Rue de Namur 121340 Ottignies-Louvain-la-NeuveGround area
1,930 m²
Building footprint
179 m²
Volume, LiDAR
1,165 m³
Parcel 25386B0184/00B000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B&C Groupe
since 20222.329.239.323
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0184/00B000 | Wallonia | 1,930 m² | 1 · 179 m² | 8.1 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.
Similar companies · same sector, comparable size
FRANCISPORTS
BE 0433.181.808
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SEA & SKI
BE 0425.531.476
Kortrijk · Eq €290k
EXCLUSIVE SPORTSBOATS
BE 0867.259.677
Maaseik · Eq €290k
JLC Piscines et Wellness
BE 0463.202.318
Verviers · Eq €289k
FREERIDE
BE 0563.624.735
Elsene · Eq €293k
Of 1,314 companies in sector 47639 we hold annual accounts for 624. 460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2022
Fiscal year end30-06
Activities, NACEBEL
47639Retail sale of other sporting goods
47690Retail sale of other cultural and recreation goods
47910Intermediation services for non-specialised retail
70200Business and other management consultancy
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.