Summary
B&P Capp 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 €5.4m and a net result of €39,613. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 85% of 2464 sector peers (fiscal year 2025). The company has been active since 1983 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 31-05-2025 was due by 31-12-2025 and was filed on 06-11-2025, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
47 d early
2023
53 d early
2022
59 d early
2021
56 d early
2020
57 d early
2019
56 d early
← 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 55 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 31-05-2026 and is due by 31-12-2026. Nothing is late today. Usually files around 6 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-05-2026 close29-09-2026 today31-12-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#2 oldest company in Koksijde, Finance and insurance sector#7 company by total assets in Koksijde, Finance and insurance sector#7 company by equity in Koksijde, Finance and insurance sector
Equity
€5.4m▲ 0.7%
2024 · €5.3m
Net result
€39,613
2024 · -€3,228
Total assets
€6.2m▲ 8.8%
2024 · €5.7m
Solvency
86.6%▼ 6.9pp
2024 · 93.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€395,661€59,354▼ 85.0%
Operating result€138,633€206,419▲ 48.9%-€116,942-€65,740▲ 43.8%-€112,746▼ 71.5%
Net result€196,756above the sector's middle half€249,796above the sector's middle half▲ 27.0%-€59,341below the sector's middle half-€3,228below the sector's middle half▲ 94.6%€39,613within the sector's middle half
Equity€5.1mabove the sector's middle half▲ 4.0%€5.4mabove the sector's middle half▲ 4.9%€5.3mabove the sector's middle half▼ 1.1%€5.3mabove the sector's middle half▼ 0.1%€5.4mabove the sector's middle half▲ 0.7%
Total assets€5.2mabove the sector's middle half▲ 4.0%€5.8mabove the sector's middle half▲ 12.2%€5.7mabove the sector's middle half▼ 1.0%€5.7mabove the sector's middle half▼ 0.9%€6.2mabove the sector's middle half▲ 8.8%
Debt€37,036▲ 7.6%€330,357▲ 792%€330,336=€283,218▼ 14.3%€741,201▲ 162%
Working capital€2.3mabove the sector's middle half▲ 53.8%€2.4mabove the sector's middle half▲ 0.8%€2.4mabove the sector's middle half▲ 1.0%€2.4mabove the sector's middle half▼ 0.4%€2.3mabove the sector's middle half▼ 1.2%
Solvency99.3%above the sector's middle half=92.8%above the sector's middle half▼ 6.5pp92.8%above the sector's middle half▼ 0.1pp93.5%above the sector's middle half▲ 0.8pp86.6%above the sector's middle half▼ 6.9pp
Current ratio74.59above the sector's middle half
Return on assets (ROA)3.8%within the sector's middle half▲ 7.4pp4.3%within the sector's middle half▲ 0.5pp-1.0%below the sector's middle half▼ 5.3pp-0.1%below the sector's middle half▲ 1.0pp0.6%below the sector's middle half▲ 0.7pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €112,746 in 2025 against €65,740 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.2m
Fixed assets
€3.8m ▲ 15.7%
Current assets
€2.4m ▼ 0.9%
Equity and liabilities €6.2m
Equity
€5.4m ▲ 0.7%
Provisions
€84,852 =
Debt
€741,201 ▲ 162%
Debt's share of the balance-sheet total rises from 5.0% to 12.0%. Equity and debt are higher.
Key figures and ratios
ROE
0.7%▲
2024 · -0.1%
Debt ≤ 1 year
€10,913▲
2024 · €3,036
Debt > 1 year
€728,487▲
2024 · €278,487
Income taxes
€4,356
A ratio outside any meaningful range has been withheld (balance sheet total €6.2m, equity €5.4m).
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 |
|---|---|---|---|---|---|---|
| Turnover70 | - | €395,661 | €59,354 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €69,611 | €169,688 | €122,367 | €71,152 | €119,657 | ▲ 68.2% |
| Other operating charges640/8 | - | €19,554 | €53,928 | €52,306 | €51,301 | ▼ 1.9% |
| Gross operating margin9900 | €244,545 | €395,661 | €59,354 | €57,718 | €58,213 | ▲ 0.9% |
| Operating profit (loss)9901 | €138,633 | €206,419 | -€116,942 | -€65,740 | -€112,746 | ▼ 71.5% |
| Financial income75/76B | - | €143,031 | €81,391 | €93,038 | €165,690 | ▲ 78.1% |
| Recurring financial income75 | €50,688 | €143,031 | €81,391 | €93,038 | €165,690 | ▲ 78.1% |
| Financial charges65/66B | - | €14,801 | €23,790 | €30,527 | €8,975 | ▼ 70.6% |
| Recurring financial charges65 | €9,288 | €14,801 | €23,790 | €30,527 | €8,975 | ▼ 70.6% |
| Profit (loss) for the period before taxes9903 | €203,029 | €334,649 | -€59,341 | -€3,228 | €43,969 | ▲ 1,462% |
| Transfer to deferred taxes680 | - | €84,853 | - | - | - | - |
| Income taxes67/77 | €6,273 | - | - | - | €4,356 | - |
| Profit (loss) for the period9904 | €196,756 | €249,796 | -€59,341 | -€3,228 | €39,613 | ▲ 1,327% |
| Transfer to tax-exempt reserves689 | - | €254,556 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €196,756 | -€4,760 | -€59,341 | -€3,228 | €39,613 | ▲ 1,327% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.2m | €5.8m | €5.7m | €5.7m | €6.2m | ▲ 8.8% |
| Fixed assets21/28 | €2.8m | €3.4m | €3.3m | €3.3m | €3.8m | ▲ 15.7% |
| Tangible fixed assets22/27 | €2.8m | €3.4m | €3.3m | €3.3m | €3.8m | ▲ 15.7% |
| Furniture and vehicles24 | - | €2,401 | €2,527 | €1,924 | €2,277 | ▲ 18.3% |
| Other tangible fixed assets26 | - | €3.4m | €3.3m | €3.3m | €3.8m | ▲ 15.7% |
| Current assets29/58 | €2.4m | €2.4m | €2.4m | €2.4m | €2.4m | ▼ 0.9% |
| Amounts receivable within one year40/41 | €34,151 | €12,727 | €13,776 | €18,211 | €27,773 | ▲ 52.5% |
| Other amounts receivable41 | - | €12,727 | €13,776 | €18,211 | €27,773 | ▲ 52.5% |
| Current investments50/53 | €1.8m | €2.1m | €2.3m | €2.1m | €2.2m | ▲ 6.9% |
| Cash at bank and in hand54/58 | €542,136 | €155,449 | €75,767 | €288,514 | €116,583 | ▼ 59.6% |
| Deferred charges and accrued income490/1 | - | €112,940 | €14,922 | €8,732 | €6,566 | ▼ 24.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.2m | €5.8m | €5.7m | €5.7m | €6.2m | ▲ 8.8% |
| Equity10/15 | €5.1m | €5.4m | €5.3m | €5.3m | €5.4m | ▲ 0.7% |
| Contributions10/11 | - | €248,592 | €248,592 | €248,592 | €248,592 | = |
| Reserves13 | €4.9m | €5.1m | €5.1m | €5.1m | €5.1m | ▲ 0.8% |
| Non-distributable reserves130/1 | - | €24,859 | €24,859 | €24,859 | €24,859 | = |
| Reserves not available under the articles1311 | - | €24,859 | €24,859 | €24,859 | €24,859 | = |
| Tax-exempt reserves132 | - | €273,307 | €273,307 | €273,307 | €273,307 | = |
| Distributable reserves133 | - | €4.8m | €4.8m | €4.8m | €4.8m | ▲ 0.8% |
| Provisions and deferred taxes16 | - | €84,852 | €84,852 | €84,852 | €84,852 | = |
| Deferred taxes168 | - | €84,852 | €84,852 | €84,852 | €84,852 | = |
| Amounts payable17/49 | €37,036 | €330,357 | €330,336 | €283,218 | €741,201 | ▲ 162% |
| Amounts payable after more than one year17 | €3,487 | €328,488 | €328,487 | €278,487 | €728,487 | ▲ 162% |
| Financial debts170/4 | - | €325,000 | €325,000 | €275,000 | €725,000 | ▲ 164% |
| Other amounts payable178/9 | - | €3,488 | €3,487 | €3,487 | €3,487 | = |
| Amounts payable within one year42/48 | €31,854 | €174 | €154 | €3,036 | €10,913 | ▲ 260% |
| Trade debts44 | €1,752 | €174 | - | €2,724 | €2,144 | ▼ 21.3% |
| Suppliers440/4 | - | €174 | - | €2,724 | €2,144 | ▼ 21.3% |
| Taxes, remuneration and social security45 | - | - | €154 | €312 | €6,062 | ▲ 1,843% |
| Taxes450/3 | - | - | €154 | €312 | €6,062 | ▲ 1,843% |
| Other amounts payable47/48 | - | - | - | - | €2,708 | - |
| Accrued charges and deferred income492/3 | - | €1,695 | €1,695 | €1,695 | €1,800 | ▲ 6.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €196,756 | €249,796 | -€59,341 | -€3,228 | €39,613 | ▲ 1,327% |
| + Depreciation and write-downs630 | €69,611 | €169,688 | €122,367 | €71,152 | €119,657 | ▲ 68.2% |
| Operating cash flow (approximation) | €266,368 | €419,484 | €63,027 | €67,923 | €159,271 | ▲ 134% |
| Investment in fixed assets (approximation) | - | -€809,555 | -€39,601 | -€28,300 | -€639,071 | ▼ 2,158% |
| Change in cash | - | -€386,687 | -€79,682 | €212,748 | -€171,932 | ▼ 181% |
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
2025
06-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-05
Financial
Back to profitnet €39,613
Net result €39,613 after 2 loss-making years.
2024
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-05
Financial
Highest result since 2019net €249,796 ▲27%
Operating result €206,419, net result €249,796, both a record.
31-05
Financial
Liquidity times 182current ratio 13586.02
Current ratio from 74.59 to 13586.02; short-term debt falls from €31,854 to €174.
2021
05-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-05
Financial
Back to profitnet €196,756
Net result €196,756 after one loss-making year.
31-05
Financial
Equity above €5mEq €5.1m ▲4%
Equity rises from €4.9m to €5.1m.
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-05
Financial
Weakest financial yearnet -€177,797
Net result drops to -€177,797, the lowest in the series; recovery starts the following year.
Show earlier events
2019
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
10-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
03-11
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 4 acts read
About the unread acts
We know of 4 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
4 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, Koksijde · 1 establishment unit since 1983
Ground area
2,263 m²
Building footprint
149 m²
Volume, LiDAR
17 m³
Parcel 38343B0170/00E000, Flanders · tallest building 3.9 m. Linked by address, not a title deed.
1 establishment unit
B&P Capp
since 19832.273.270.422
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38343B0170/00E000 | Flanders | 2,263 m² | 1 · 149 m² | 3.9 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
9676001OF9HD5I9X1B36
Similar companies · same sector, comparable size
Re-Store
BE 1019.516.520
Gent · Eq €5,459,332
Clean Vision Invest
BE 0778.490.029
Mol · Eq €5,215,434
STRYPSTEEN HOLDING
BE 0832.710.455
Menen · Eq €5,524,396
MANTHEMARD HOLDING
BE 0652.694.390
Esneux · Eq €5,146,907
Pitchdrive Fund II
BE 0777.719.175
Antwerpen · Eq €5,664,674
Of 592 companies in sector 66300 we hold annual accounts for 366. 127 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
Founded27-10-1983
Fiscal year end31-05
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
69209Other tax advisory services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0424839610
Also
9925:BE0424839610
Registered
08-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.