B&CA
ActiveSummary
B&CA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €6k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-2
Solvency72▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.26 against 0.17 in 2024; short-term debt: 23.9% and cash: 0.3% of total assets), and 53.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 41
Relative position
BE, all sectors
reference
Sector 41
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
46.8%
Return on assets
1.2%
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 25-08-2026, 25 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
25 d late
2024
30 d late
2023
31 d late
2022
107 d late
2021
31 d late
2019
132 d late
2018
68 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▲ 2.5%
2024 · €227k
2018: €186k
2019: €185k
2021: €196k
2022: €212k
2023: €213k
2024: €227k
2018 → 2025
Total assets
€497k▼ 0.8%
2024 · €501k
2018: €372k
2019: €471k
2021: €550k
2022: €554k
2023: €545k
2024: €501k
2018 → 2025
Net result
€6k▼ 58.2%
2024 · €14k
2018: €20k
2019: €24k
2021: €9k
2022: €17k
2023: €21k
2024: €14k
2018 → 2025
Working capital
€-87k▼ 9.3%
2024 · €-80k
2018: €222k
2019: €225k
2021: €-7k
2022: €-45k
2023: €-59k
2024: €-80k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€196k-€212k▲ 8.6%€213k▲ 0.3%€227k▲ 6.4%€233k▲ 2.5%
Operating result€18k-€27k▲ 49.2%€31k▲ 16.7%€22k▼ 31.6%€12k▼ 43.8%
Net result€9k-€17k▲ 86.5%€21k▲ 23.8%€14k▼ 33.9%€6k▼ 58.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 44% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €497k
Fixed assets
€466k ▼ 3.9%
Current assets
€31k ▲ 89.9%
Equity and liabilities €497k
Equity
€233k ▲ 2.5%
Debt
€264k ▼ 3.6%
Debt's share of the balance-sheet total falls from 54.7% to 53.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €46k
Cash flow
€28k▼
2024 · €39k
Current ratio
0.26▲
2024 · 0.17
Debt to equity
1.14▼
2024 · 1.21
ROE
2.5%▼
2024 · 6.0%
ROA
1.2%▼
2024 · 2.7%
Interest coverage
8.71▼
2024 · 10.92
Debt ≤ 1 year
€119k▲
2024 · €96k
Debt > 1 year
€146k▼
2024 · €178k
Income taxes
€2k▼
2024 · €4k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€501k€497k▼
Fixed assets21/28€485k€466k▼
Tangible fixed assets22/27€475k€456k▼
Land and buildings22€475k€454k▼
Plant, machinery and equipment23€528€3k▲
Financial fixed assets28€9k€9k=
Current assets29/58€17k€31k▲
Amounts receivable within one year40/41€2k€25k▲
Trade receivables40-€20k
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€8k€2k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€501k€497k▼
Equity10/15€227k€233k▲
Contributions10/11€19k€19k=
Reserves13€16k€22k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€14k€20k▲
Profit (loss) carried forward14€192k€192k=
Amounts payable17/49€274k€264k▼
Amounts payable after more than one year17€178k€146k▼
Financial debts170/4€178k€146k▼
Amounts payable within one year42/48€96k€119k▲
Current portion of amounts payable after more than one year42€31k€32k▲
Trade debts44€276€2k▲
Suppliers440/4€276€2k▲
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€65k€82k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€22k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€48k€36k▼
Operating profit (loss)9901€22k€12k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€17k€8k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€14k€6k▼
Profit (loss) for the period to be appropriated9905€14k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€192k€198k▲
Profit (loss) brought forward from the previous period14P€179k€192k▲
Transfer to equity691/2-€6k
To other reserves6921-€6k
The notes to these accounts (6 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €6k ▼58.2%
Net result drops to €6k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
15-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 107 days late
2022
31-12
Financial
Equity above €200kEq €212k ▲8.6%
4 profitable years in a row build equity to €212k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2020
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 132 days late
2019
31-12
Financial
Highest result since 2018net €24k ▲15.6%
Net result €24k, the highest in the series.
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 68 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 93 days late
2016
01-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Bierbeek · 1 establishment unit since 2014
Ground area
583 m²
Building footprint
176 m²
Volume, LiDAR
1,104 m³
Parcel 24065B0203/00L002, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Ermelindisstraat 19, 3360 Bierbeek
since 20142.228.923.111
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24065B0203/00L002 | Flanders | 583 m² | 1 · 176 m² | 9.4 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
FWProjects
BE 1000.172.740
Brussel · Eq €232,291
TRICEO
BE 0898.336.794
Essen · Eq €232,931
DEMONTE PREFABRIK BELGIUM
BE 1009.715.065
Hasselt · Eq €233,250
Medical Gas Pipe System
BE 0795.103.258
Braine-le-Comte · Eq €231,818
Wout Mertens Projects
BE 0727.374.789
Huldenberg · Eq €231,594
Of 2,451 companies in sector 41003 we hold annual accounts for 1,055. 699 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
41003General construction of other non-residential buildings
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.