B.N.C. MANAGEMENT
ActiveSummary
B.N.C. MANAGEMENT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €2k. Equity is growing by ~29.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-41
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.37 against 2.66 in 2024; short-term debt: 9.6% and cash: 5.2% of total assets), and 10% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
90%
Return on assets
2.2%
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 31-08-2026, 31 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
31 d late
2024
34 d early
2023
61 d late
2022
122 d late
2021
79 d late
2020
76 d late
2019
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▲ 2.5%
2024 · €97k
2018: €20k
2019: €13k
2020: €29k
2021: €39k
2022: €45k
2023: €58k
2024: €97k
2018 → 2025
Total assets
€110k▼ 4.6%
2024 · €116k
2018: €76k
2019: €72k
2020: €80k
2021: €89k
2022: €91k
2023: €91k
2024: €116k
2018 → 2025
Net result
€2k▼ 93.6%
2024 · €39k
2018: €5k
2019: €-7k
2020: €16k
2021: €10k
2022: €6k
2023: €13k
2024: €39k
2018 → 2025
Working capital
€36k▲ 14.9%
2024 · €31k
2018: €-7k
2019: €-17k
2020: €-20k
2021: €-11k
2022: €-3k
2023: €6k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€45k▲ 16.4%€58k▲ 29.6%€97k▲ 66.0%€99k▲ 2.5%
Operating result€19k-€15k▼ 20.8%€22k▲ 43.2%€17k▼ 21.2%€5k▼ 70.5%
Net result€10k-€6k▼ 35.0%€13k▲ 110%€39k▲ 189%€2k▼ 93.6%
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 70% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€64k ▼ 2.8%
Current assets
€46k ▼ 6.9%
Equity and liabilities €110k
Equity
€99k ▲ 2.5%
Debt
€11k ▼ 41.2%
Debt's share of the balance-sheet total falls from 16.2% to 10.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €19k
Cash flow
€4k▼
2024 · €40k
Current ratio
4.37▲
2024 · 2.66
Debt to equity
0.11▼
2024 · 0.19
ROE
2.5%▼
2024 · 39.7%
ROA
2.2%▼
2024 · 33.3%
Interest coverage
4.49▼
2024 · 6.47
Debt ≤ 1 year
€11k▼
2024 · €19k
Income taxes
€2k▼
2024 · €9k
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€116k€110k▼
Formation expenses20€0€0=
Fixed assets21/28€66k€64k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€61k€61k=
Current assets29/58€50k€46k▼
Amounts receivable after more than one year29€23k€36k▲
Other amounts receivable291€23k€36k▲
Amounts receivable within one year40/41€1k€456▼
Trade receivables40€212€72▼
Other amounts receivable41€1k€384▼
Current investments50/53€3k€1k▼
Cash at bank and in hand54/58€21k€6k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€116k€110k▼
Equity10/15€97k€99k▲
Contributions10/11€19k€19k=
Reserves13€78k€81k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€76k€79k▲
Amounts payable17/49€19k€11k▼
Amounts payable within one year42/48€19k€11k▼
Current portion of amounts payable after more than one year42€7k€4k▼
Trade debts44€467€1k▲
Suppliers440/4€467€1k▲
Taxes, remuneration and social security45€12k€5k▼
Taxes450/3€12k€5k▼
Accrued charges and deferred income492/3€41€411▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€352€297▼
Non-recurring operating charges66A-€320
Gross operating margin9900€19k€8k▼
Operating profit (loss)9901€17k€5k▼
Financial income75/76B€33k€1k▼
Recurring financial income75€9k€1k▼
Non-recurring financial income76B€24k-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€47k€5k▼
Income taxes67/77€9k€2k▼
Profit (loss) for the period9904€39k€2k▼
Profit (loss) for the period to be appropriated9905€39k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€2k▼
Transfer to equity691/2€39k€2k▼
To other reserves6921€39k€2k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €39k ▲189%
Net result €39k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.66
Current ratio from 1.29 to 2.66; short-term debt falls from €20k to €19k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 76 days late
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
31-12
Financial
Weakest financial yearnet €-7k ▼223%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 43 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Neupré · 1 establishment unit since 2012
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 Joseph Wauters(N) 414121 NeupréGround area
1,038 m²
Building footprint
109 m²
Volume, LiDAR
695 m³
Parcel 61044C0281/00A006, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Joseph Wauters(N) 41, 4121 Neupré
since 20122.216.236.402
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61044C0281/00A006indicative | Wallonia | 1,038 m² | 1 · 109 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
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DDB CONSULT
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VHB Accountants
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ACCOUNTANTSKANTOOR LIVENS
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,479 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
Founded27-12-2012
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.