B.C.Y.
ActiveSummary
The computed 12-month bankruptcy probability of B.C.Y. is 4.8% (elevated). The 2025 annual accounts show equity of €3k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 80% of 13417 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
59
/ 100
Fair
An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+93
Solvency91▲+78
Growth78▲+46
Track record92
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 2.31; short-term debt: 33.9% and cash: 16.1% of total assets), and 33.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Eight 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% 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
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
66.1%
Return on assets
73.4%
Age of the figures
9 mo
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 15-05-2026, 77 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
77 d early
2024
8 d late
2023
5 d early
2022
4 d early
2021
46 d early
2020
6 d late
2019
25 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Checked, nothing found (1)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k
2024 · €-388
2018: €2k
2019: €-6k▼ -399% vs 2018lowest in 8 years
2020: €3k▲ +151% vs 2019
2021: €12k▲ +311% vs 2020highest in 8 years
2022: €5k▼ -58.7% vs 2021
2023: €2k▼ -69.6% vs 2022
2024: €-388▼ -126% vs 2023
2025: €3k▲ +1001% vs 2024
2018 → 2025
Total assets
€5k▲ 63.2%
2024 · €3k
2018: €40khighest in 8 years
2019: €28k▼ -29.6% vs 2018
2020: €7k▼ -75.7% vs 2019
2021: €14k▲ +108% vs 2020
2022: €13k▼ -9.1% vs 2021
2023: €8k▼ -38.2% vs 2022
2024: €3k▼ -59.6% vs 2023lowest in 8 years
2025: €5k▲ +63.2% vs 2024
2018 → 2025
Net result
€4k
2024 · €-2k
2018: €-964
2019: €-8k▼ -695% vs 2018lowest in 8 years
2020: €9k▲ +213% vs 2019
2021: €9k▲ +5.4% vs 2020highest in 8 years
2022: €-7k▼ -178% vs 2021
2023: €-3k▲ +51.1% vs 2022
2024: €-2k▲ +45.1% vs 2023
2025: €4k▲ +304% vs 2024
2018 → 2025
Working capital
€2k
2024 · €-3k
2018: €-2k
2019: €-13k▼ -640% vs 2018lowest in 8 years
2020: €-501▲ +96.3% vs 2019
2021: €9k▲ +1815% vs 2020highest in 8 years
2022: €2k▼ -78.7% vs 2021
2023: €-2k▼ -189% vs 2022
2024: €-3k▼ -72.8% vs 2023
2025: €2k▲ +184% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€5k▼ 58.7%€2k▼ 69.6%€-388€3k
2021: €12khighest in 5 years
2022: €5k▼ -58.7% vs 2021
2023: €2k▼ -69.6% vs 2022
2024: €-388▼ -126% vs 2023lowest in 5 years
2025: €3k▲ +1001% vs 2024
Operating result€9k-€-7k€-4k▲ 46.4%€-2k▲ 58.2%€5k
2021: €9khighest in 5 years
2022: €-7k▼ -174% vs 2021lowest in 5 years
2023: €-4k▲ +46.4% vs 2022
2024: €-2k▲ +58.2% vs 2023
2025: €5k▲ +409% vs 2024
Net result€9k-€-7k€-3k▲ 51.1%€-2k▲ 45.1%€4k
2021: €9khighest in 5 years
2022: €-7k▼ -178% vs 2021lowest in 5 years
2023: €-3k▲ +51.1% vs 2022
2024: €-2k▲ +45.1% vs 2023
2025: €4k▲ +304% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5k
Fixed assets
€1k ▼ 55.6%
Current assets
€4k ▲ 534%
Equity and liabilities €5k
Equity
€3k
Debt
€2k
Debt finances 33.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€6k▲
2024 · €209
Cash flow
€5k▲
2024 · €-153
Current ratio
2.31
Debt to equity
0.51
ROE
111.1%
ROA
73.4%
Interest coverage
7.49▲
2024 · 0.85
Debt ≤ 1 year
€2k▼
2024 · €3k
Income taxes
€62▼
2024 · €140
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3k€5k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€897€499▼
Furniture and vehicles24€2k€651▼
Current assets29/58€654€4k▲
Amounts receivable within one year40/41€10€3k▲
Trade receivables40-€3k
Other amounts receivable41€10€26▲
Cash at bank and in hand54/58€635€852▲
Deferred charges and accrued income490/1€9€0▼
Equity and liabilities
Total equity and liabilities10/49€3k€5k▲
Equity10/15€-388€3k▲
Contributions10/11€13k€13k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-15k€-11k▲
Amounts payable17/49€4k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€3k€616▼
Suppliers440/4€3k€616▼
Taxes, remuneration and social security45€519€1k▲
Taxes450/3€519€1k▲
Remuneration and social security454/9-€0
Other amounts payable47/48-€0
Accrued charges and deferred income492/3€164€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€64€269▲
Gross operating margin9900€273€6k▲
Operating profit (loss)9901€-2k€5k▲
Financial income75/76B€23€3▼
Recurring financial income75€23€3▼
Financial charges65/66B€246€830▲
Recurring financial charges65€246€830▲
Profit (loss) for the period before taxes9903€-2k€4k▲
Income taxes67/77€140€62▼
Profit (loss) for the period9904€-2k€4k▲
Profit (loss) for the period to be appropriated9905€-2k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-11k▲
Profit (loss) brought forward from the previous period14P€-13k€-15k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €2k | €2k | €2k | €1k | ▼ 17.9% |
| Other operating charges640/8 | €283 | €370 | €1k | €64 | €269 | ▲ 322% |
| Gross operating margin9900 | €11k | €-5k | €-340 | €273 | €6k | ▲ 2,279% |
| Operating profit (loss)9901 | €9k | €-7k | €-4k | €-2k | €5k | ▲ 409% |
| Financial income75/76B | - | €5 | €634 | €23 | €3 | ▼ 86.9% |
| Recurring financial income75 | - | €5 | €634 | €23 | €3 | ▼ 86.9% |
| Financial charges65/66B | €148 | €187 | €238 | €246 | €830 | ▲ 238% |
| Recurring financial charges65 | €148 | €187 | €238 | €246 | €830 | ▲ 238% |
| Profit (loss) for the period before taxes9903 | €9k | €-7k | €-3k | €-2k | €4k | ▲ 324% |
| Income taxes67/77 | €0 | €36 | €177 | €140 | €62 | ▼ 55.3% |
| Profit (loss) for the period9904 | €9k | €-7k | €-3k | €-2k | €4k | ▲ 304% |
| Profit (loss) for the period to be appropriated9905 | €9k | €-7k | €-3k | €-2k | €4k | ▲ 304% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €14k | €13k | €8k | €3k | €5k | ▲ 63.2% |
| Fixed assets21/28 | €4k | €3k | €3k | €3k | €1k | ▼ 55.6% |
| Tangible fixed assets22/27 | €4k | €3k | €3k | €3k | €1k | ▼ 55.6% |
| Plant, machinery and equipment23 | - | - | - | €897 | €499 | ▼ 44.4% |
| Furniture and vehicles24 | €4k | €3k | €3k | €2k | €651 | ▼ 61.5% |
| Current assets29/58 | €11k | €10k | €5k | €654 | €4k | ▲ 534% |
| Amounts receivable within one year40/41 | €766 | €8k | €3k | €10 | €3k | ▲ 34,154% |
| Trade receivables40 | €750 | €8k | €3k | - | €3k | - |
| Other amounts receivable41 | €16 | - | €10 | €10 | €26 | ▲ 170% |
| Cash at bank and in hand54/58 | €10k | €2k | €2k | €635 | €852 | ▲ 34.2% |
| Deferred charges and accrued income490/1 | - | €77 | €42 | €9 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €14k | €13k | €8k | €3k | €5k | ▲ 63.2% |
| Equity10/15 | €12k | €5k | €2k | €-388 | €3k | ▲ 1,001% |
| Contributions10/11 | €13k | €13k | €13k | €13k | €13k | = |
| Outside capital11 | €13k | €13k | - | - | - | - |
| Other1109/19 | €13k | €13k | - | - | - | - |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-3k | €-10k | €-13k | €-15k | €-11k | ▲ 25.6% |
| Amounts payable17/49 | €2k | €8k | €6k | €4k | €2k | ▼ 50.6% |
| Amounts payable within one year42/48 | €2k | €8k | €6k | €3k | €2k | ▼ 48.3% |
| Trade debts44 | €1k | €6k | €5k | €3k | €616 | ▼ 79.1% |
| Suppliers440/4 | €1k | €6k | €5k | €3k | €616 | ▼ 79.1% |
| Taxes, remuneration and social security45 | €285 | €2k | €905 | €519 | €1k | ▲ 127% |
| Taxes450/3 | €285 | €2k | €905 | €519 | €1k | ▲ 127% |
| Remuneration and social security454/9 | - | - | - | - | €0 | - |
| Other amounts payable47/48 | €826 | - | €778 | - | €0 | - |
| Accrued charges and deferred income492/3 | - | - | - | €164 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €-7k | €-3k | €-2k | €4k | ▲ 304% |
| + Depreciation and write-downs630 | €1k | €2k | €2k | €2k | €1k | ▼ 17.9% |
| Operating cash flow (approximation) | €11k | €-5k | €-1k | €-153 | €5k | ▲ 3,583% |
| Investment in fixed assets (approximation) | - | €-2k | €-2k | €-1k | €0 | ▲ 100% |
| Change in cash | - | €-8k | €200 | €-1k | €217 | ▲ 116% |
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
15-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
31-12
Financial
Liquidity times 12current ratio 2.31
Current ratio from 0.19 to 2.31; short-term debt falls from €3k to €2k.
22-08
KBO administration
Address struck
Val du Fièrain 38 Die Sitzadresse Val du Fièrain 38 4860
Pepinster · event 26-06-2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €9k ▲5.4%
Operating result €9k, net result €9k, both a record.
31-12
Financial
Liquidity times 6current ratio 4.93
Current ratio from 0.87 to 4.93; short-term debt falls from €4k to €2k.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
Show earlier events
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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 2014
Ground area
2,452 m²
Building footprint
278 m²
Volume, LiDAR
3,803 m³
2 parcels, Wallonia · tallest building 21.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
B.C.Y
since 20142.228.216.791
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63083A0320/00H004 | Wallonia | 2,137 m² | 1 · 119 m² | 9.2 m · 2 fl. |
| 62814C0100/00W003 | Wallonia | 315 m² | 1 · 159 m² | 21.3 m · 6 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.
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 4,097 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)
Founded06-03-2014
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
46220Wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
85592Vocational training
93199Other sports activities
Scores and ratios are computed by Checked and are not a credit decision.