Summary
B-CONA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €20,460 and a net result of €57,575. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 27% of 2460 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-04-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
on the day
2023
on the day
2022
2 d early
2021
2 d late
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€20,460=
2024 · €20,460
Net result
€57,575▼ 21.2%
2024 · €73,108
Total assets
€96,417▼ 16.2%
2024 · €115,070
Solvency
21.2%▲ 3.4pp
2024 · 17.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€100,987▲ 20.1%€122,041▲ 20.8%€66,011▼ 45.9%€95,689▲ 45.0%€71,158▼ 25.6%
Net result€76,324▲ 21.8%€92,225▲ 20.8%€50,613▼ 45.1%€73,108▲ 44.4%€57,575▼ 21.2%
Equity€20,460=€20,460=€20,460=€20,460=€20,460=
Total assets€161,599▲ 7.6%€176,396▲ 9.2%€109,543▼ 37.9%€115,070▲ 5.0%€96,417▼ 16.2%
Debt€141,139▲ 8.8%€155,936▲ 10.5%€89,083▼ 42.9%€94,610▲ 6.2%€75,957▼ 19.7%
Working capital€6,034▼ 65.0%€10,472▲ 73.6%€11,628▲ 11.0%€20,971▲ 80.3%€19,707▼ 6.0%
Solvency12.7%▼ 1.0pp11.6%▼ 1.1pp18.7%▲ 7.1pp17.8%▼ 0.9pp21.2%▲ 3.4pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96,417
Fixed assets
€1,553 ▲ 130%
Current assets
€94,863 ▼ 17.1%
Equity and liabilities €96,417
Equity
€20,460 =
Debt
€75,957 ▼ 19.7%
Debt's share of the balance-sheet total falls from 82.2% to 78.8%. Debt is lower.
Key figures and ratios
ROE
281.4%▼
2024 · 357.3%
ROA
59.7%▼
2024 · 63.5%
Debt ≤ 1 year
€75,157▼
2024 · €93,422
Income taxes
€15,789▼
2024 · €22,112
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4,525 | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,071 | €11,683 | €10,453 | €1,226 | €737 | ▼ 39.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €3,649 | -€3,649 | €0 | - | - |
| Other operating charges640/8 | €2,974 | €2,525 | €5,452 | €2,044 | €1,536 | ▼ 24.9% |
| Non-recurring operating charges66A | - | €0 | €0 | €3,921 | €0 | ▼ 100% |
| Gross operating margin9900 | €115,032 | €139,898 | €78,266 | €102,880 | €73,430 | ▼ 28.6% |
| Operating profit (loss)9901 | €100,987 | €122,041 | €66,011 | €95,689 | €71,158 | ▼ 25.6% |
| Financial income75/76B | €198 | €982 | €1,406 | €39 | €2,737 | ▲ 6,845% |
| Recurring financial income75 | €198 | €982 | €1,406 | €39 | €2,737 | ▲ 6,845% |
| Financial charges65/66B | €1,304 | €1,071 | €1,410 | €509 | €532 | ▲ 4.4% |
| Recurring financial charges65 | €1,304 | €1,071 | €1,410 | €509 | €532 | ▲ 4.4% |
| Profit (loss) for the period before taxes9903 | €99,880 | €121,952 | €66,007 | €95,219 | €73,364 | ▼ 23.0% |
| Income taxes67/77 | €23,557 | €29,727 | €15,394 | €22,112 | €15,789 | ▼ 28.6% |
| Profit (loss) for the period9904 | €76,324 | €92,225 | €50,613 | €73,108 | €57,575 | ▼ 21.2% |
| Profit (loss) for the period to be appropriated9905 | €76,324 | €92,225 | €50,613 | €73,108 | €57,575 | ▼ 21.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €161,599 | €176,396 | €109,543 | €115,070 | €96,417 | ▼ 16.2% |
| Fixed assets21/28 | €42,439 | €30,756 | €20,303 | €676 | €1,553 | ▲ 130% |
| Tangible fixed assets22/27 | €42,439 | €30,756 | €20,303 | €676 | €1,553 | ▲ 130% |
| Furniture and vehicles24 | €42,439 | €30,756 | €20,303 | €676 | €1,553 | ▲ 130% |
| Current assets29/58 | €119,160 | €145,640 | €89,240 | €114,393 | €94,863 | ▼ 17.1% |
| Amounts receivable after more than one year29 | - | €100,000 | €0 | - | - | - |
| Other amounts receivable291 | - | €100,000 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €69,464 | €38,243 | €37,915 | €18,232 | €79,963 | ▲ 339% |
| Trade receivables40 | €49,560 | €37,858 | €23,036 | €18,232 | €18,145 | ▼ 0.5% |
| Other amounts receivable41 | €19,905 | €385 | €14,879 | €0 | €61,818 | - |
| Cash at bank and in hand54/58 | €48,879 | €5,637 | €50,629 | €95,763 | €11,732 | ▼ 87.7% |
| Deferred charges and accrued income490/1 | €817 | €1,760 | €696 | €399 | €3,168 | ▲ 694% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €161,599 | €176,396 | €109,543 | €115,070 | €96,417 | ▼ 16.2% |
| Equity10/15 | €20,460 | €20,460 | €20,460 | €20,460 | €20,460 | = |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €141,139 | €155,936 | €89,083 | €94,610 | €75,957 | ▼ 19.7% |
| Amounts payable after more than one year17 | €27,533 | €18,971 | €10,287 | €0 | - | - |
| Financial debts170/4 | €27,533 | €18,971 | €10,287 | €0 | - | - |
| Amounts payable within one year42/48 | €113,126 | €135,167 | €77,612 | €93,422 | €75,157 | ▼ 19.6% |
| Current portion of amounts payable after more than one year42 | €8,442 | €8,562 | €12,514 | €0 | €5,077 | - |
| Financial debts43 | €3,750 | €3,750 | €0 | - | - | - |
| Other loans439 | €3,750 | €3,750 | €0 | - | - | - |
| Trade debts44 | €4,098 | €3,750 | €3,716 | €1,289 | €3,301 | ▲ 156% |
| Suppliers440/4 | €4,098 | €3,750 | €3,716 | €1,289 | €3,301 | ▲ 156% |
| Taxes, remuneration and social security45 | €20,513 | €20,941 | €10,418 | €8,626 | €9,204 | ▲ 6.7% |
| Taxes450/3 | €20,513 | €20,941 | €8,459 | €6,760 | €9,204 | ▲ 36.2% |
| Remuneration and social security454/9 | - | - | €1,959 | €1,867 | €0 | ▼ 100% |
| Other amounts payable47/48 | €76,324 | €98,164 | €50,963 | €83,507 | €57,575 | ▼ 31.1% |
| Accrued charges and deferred income492/3 | €480 | €1,798 | €1,184 | €1,187 | €800 | ▼ 32.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €76,324 | €92,225 | €50,613 | €73,108 | €57,575 | ▼ 21.2% |
| + Depreciation and write-downs630 | €11,071 | €11,683 | €10,453 | €1,226 | €737 | ▼ 39.9% |
| Operating cash flow (approximation) | €87,395 | €103,908 | €61,066 | €74,334 | €58,311 | ▼ 21.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €18,401 | -€1,614 | ▼ 109% |
| Change in cash | - | -€43,242 | €44,992 | €45,133 | -€84,031 | ▼ 286% |
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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €92,225 ▲20.8%
Operating result €122,041, net result €92,225, both a record.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 4 days late
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial 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, Laarne · 1 establishment unit since 2014
Ground area
882 m²
Building footprint
114 m²
Parcel 42010B0006/00T000, Flanders. Linked by address, not a title deed.
1 establishment unit
B-CONA
since 20142.231.053.349
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010B0006/00T000 | Flanders | 882 m² | 1 · 114 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 553 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
Founded02-04-2014
Fiscal year end30-09
Activities, NACEBEL 2025
66191Agents and brokers in banking services
70200Business and other management consultancy
47910Intermediation services for non-specialised retail
47920Retail trade
70100Activities of head offices
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0550549333
Also
9925:BE0550549333
Registered
25-08-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.