Losses
-€2,433 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
B2C
Overview
Lifetime
12 annual accounts with figures on one time axispeak €761,659 (2023)
€5,534▲ €7,173
lowest -€9,017 (2013)
-€97▲ €2,240
peak €513,703 (2023)
€511,270unchanged
€8,882▼ 90.8%
peak 4.4 FTE (2014)
-not published
Board2 names since 2021
1 directorDEGROOTE Edouard
Documentsfilings and deeds
29-05-202629 days late
2025micro format
Gross margin from -€1,638 to €5,534Loss of €97Debts from €96,186 to €8,882Cash from €27,565 to €2,245
Key points
from the 2025 annual accountsFilings
12 annual accounts since 2013
Eight of the last ten came late. The 2019 accounts came latest: 116 days after the end of the period.
Position in the sector
€511,270
More equity than 89% of companies in head offices and management consultancy. Sector median €78,216 · 39,400 companies.
Checked score
93
Excellent
Financially stronger than 45% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.1%▼ -0.2 percentage points vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.2%▲ +0.1 percentage points vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.1%▼ -0.1 percentage points vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026
05-2026: 0.3%▲ +0.1 percentage points vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026highest value
07-2026: 0.1%▼ -0.2 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 119.42, cash €2,245, halved
lowers risk
Size: total assets €573,226
Sector: Activities of head offices; management consultancy activities (NACE 70)
Equity €511,270 (89.2% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 36% on liquidity, 19% on profitability and 39% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,686 companies had the same profile as B2C has now. Each dot stands for 7 companies, two years later.
93.7%
were still trading
5.4%
stopped another way
0.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of B2C itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,686 companies, not a prediction for B2C. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €45,000 on 30-day terms is acceptable
Short-term debt is 0.8% and cash 0.4% of total assets. 10.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 29 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
29 days late
2024
on the day
2023
on the day
2021
31 days late
2020
31 days late
2019
116 days late
2018
106 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 45 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 1 May (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Company renamed from BE Assurances to B2C
Change of role: DEGROOTE Edouard, from manager to statutory director · Permanent representative: DEGROOTE Edouard · 400 shares · General meeting of 22-12-2022 · Gazette deed
Registered office moved from Celles to Mouscron
New registered office: CLOS ROGER LAPEBIE 2 7700 MOUSCRON · Previous registered office: Rue PROVINCIALE 33-7760 Celles · Resignation: LEMOINE Benjamin (director) · General meeting of 27-10-2022 · Gazette deed
First establishment
B2C-Conseils, Roger Lapébie erf 2, Mouscron
Incorporation
published on 10-12-2012 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| B2C Mouscron | €573,226 | €5,534 | 89.2% | - |
| GUY VAN GENECHTEN MGMT Sint-Niklaas | €538,247 | €5,852 | 94.8% | - |
| CERVUS BUSINESS SERVICES Woluwe-Saint-Lambert | €661,770 | €6,219 | 21.5% | - |
| XAVIER DETHIER Overijse | €515,885 | €4,830 | 88.8% | - |
| ABF Kempen Westerlo | €482,298 | €5,050 | 99.3% | - |
| ACE AUDIT Ghent | €528,548 | €6,911 | 97.6% | - |
| JAMATIEL Bree | €547,677 | €5,034 | 96.5% | - |
These companies have the same main activity as B2C: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €482,000 and €662,000, founded between 2010 and 2014.
Official details
Source: KBO- Status
- Active since 29-11-2012Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.215.042.9067700 Mouscron, since 01-01-2013
- Financial year end
- 30 September
- Peppol
- Not found in the Peppol Directory
Annual accounts to 30-09-2025
- €5,534
- ≈ €26,000estimated
- €97▼ 95.9%
- €511,270=
- €573,226▼ 13.2%
- Filing
- Filed on 29-05-2026
Insights on B2C
B2C files the micro format. That format states no turnover. The gross margin fell from €148,310 in 2013 to €5,534 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-05-2026, 29 days late€5,534
▲ €7,173
-€70
▲ €2,173
-€97
▲ €2,240
€541,539
unchanged
89.2%
▲ 11.8 percentage points
-
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €26,000. Estimated: probably between €12,000 and €51,000.
Balance sheet
balance sheet total €573,226 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
89.2%
Higher than 88% of 39,368 companies in 2025.
-
Higher than 83% of 36,335 companies in 2024.
0.0%
Higher than 19% of 38,523 companies in 2025.
B2C
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: bottom quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter
Staff
Staff costs divided by the average number of full-time equivalents.
people who joined
people who left
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||
20/58 |
573,226 | 660,626 | 909,173 | 170,889 | 189,732 | 283,707 | 325,132 | 407,053 | 494,322 | 566,565 | 665,357 | 652,457 | |
20 |
- | - | - | - | - | - | - | - | - | - | - | 618 | |
21/28 |
27,114 | 27,114 | 27,114 | 40,743 | 76,863 | 143,983 | 197,972 | 284,979 | 380,358 | 459,015 | 526,310 | 587,331 | |
21 |
- | - | - | - | 30,240 | 105,240 | 181,293 | 257,345 | 330,240 | 405,240 | 480,240 | 555,240 | |
22/27 |
23,013 | 23,013 | 23,013 | 36,075 | 41,955 | 34,075 | 12,012 | 24,603 | 47,090 | 50,753 | 43,070 | 28,474 | |
22 |
- | - | - | 5,130 | 7,695 | 10,635 | 749 | 1,124 | 1,499 | - | - | - | |
23 |
- | - | - | - | - | - | - | 264 | 7,375 | 14,486 | 21,597 | - | |
24 |
23,013 | 23,013 | 23,013 | 30,945 | 34,259 | 23,439 | 11,262 | 14,234 | 20,253 | 9,322 | 21,473 | 28,474 | |
28 |
4,101 | 4,101 | 4,101 | 4,668 | 4,668 | 4,668 | 4,668 | 3,031 | 3,028 | 3,022 | 3,000 | 3,000 | |
29/58 |
546,112 | 633,512 | 882,059 | 130,145 | 112,869 | 139,725 | 127,160 | 122,074 | 113,964 | 107,550 | 139,047 | 65,126 | |
40/41 |
543,743 | 547,638 | 749,164 | 59,330 | 61,510 | 117,917 | 96,771 | 13,855 | 30,265 | 12,573 | 12,450 | - | |
40 |
6,848 | 11,924 | 12,299 | 52,126 | 55,145 | 49,583 | 11,492 | 9,632 | 24,888 | 7,545 | 8,170 | - | |
41 |
536,895 | 535,714 | 736,865 | 7,204 | 6,365 | 68,334 | 85,279 | 4,223 | 5,377 | 5,028 | 4,280 | - | |
50/53 |
124 | 58,309 | 58,147 | 33,169 | 14,255 | 10,386 | 18,100 | 102,056 | 82,540 | 91,600 | 55,535 | 29,000 | |
54/58 |
2,245 | 27,565 | 74,748 | 35,200 | 35,806 | 8,988 | 12,289 | 5,769 | 575 | 3,377 | 70,619 | 4,715 | |
490/1 |
- | - | - | 2,447 | 1,298 | 2,434 | - | 393 | 585 | - | 443 | 31,411 | |
| Balance sheet: equity and liabilities | |||||||||||||
10/49 |
573,226 | 660,626 | 909,173 | 170,889 | 189,732 | 283,707 | 325,132 | 407,053 | 494,322 | 566,565 | 665,357 | 652,457 | |
10/15 |
511,270 | 511,367 | 513,703 | 91,712 | 91,762 | 84,494 | 79,506 | 69,411 | 75,095 | 68,426 | 62,686 | 30,983 | |
10/11 |
40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | |
100 |
- | - | - | - | - | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | |
13 |
196,941 | 196,941 | 196,941 | 37,722 | 37,722 | 37,722 | 37,722 | 31,056 | 31,056 | 27,722 | 22,250 | - | |
130/1 |
- | - | - | 4,000 | 4,000 | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 3,500 | - | |
1311 |
- | - | - | 4,000 | 4,000 | - | - | - | - | - | - | - | |
132 |
177,941 | 177,941 | 177,941 | 18,722 | 18,722 | 18,722 | 18,722 | 22,056 | 22,056 | 18,722 | 18,750 | - | |
133 |
19,000 | 19,000 | 19,000 | 15,000 | 15,000 | 15,000 | 15,000 | 5,000 | 5,000 | 5,000 | - | - | |
14 |
274,330 | 274,426 | 276,762 | 13,990 | 14,040 | 6,772 | 1,784 | -1,645 | 4,039 | 704 | 436 | -9,017 | |
16 |
53,073 | 53,073 | 53,073 | - | - | - | - | - | - | - | - | - | |
168 |
53,073 | 53,073 | 53,073 | - | - | - | - | - | - | - | - | - | |
17/49 |
8,882 | 96,186 | 342,396 | 79,177 | 97,970 | 199,214 | 245,627 | 337,642 | 419,227 | 498,139 | 602,671 | 621,474 | |
17 |
- | - | - | - | - | 31,899 | 106,904 | 185,413 | 264,562 | 348,417 | 443,814 | 511,016 | |
170/4 |
- | - | - | - | - | 31,899 | 106,904 | 185,413 | 264,562 | 348,417 | 399,814 | 451,016 | |
178/9 |
- | - | - | - | - | - | - | - | - | - | 44,000 | 60,000 | |
42/48 |
4,573 | 91,877 | 138,087 | 57,868 | 72,970 | 131,314 | 138,722 | 152,229 | 150,733 | 144,151 | 158,857 | 104,032 | |
42 |
- | - | - | - | 31,899 | 75,005 | 78,509 | 79,149 | 83,855 | 81,773 | 71,743 | 63,043 | |
43 |
- | - | - | - | - | - | - | - | 4 | - | - | - | |
430/8 |
- | - | - | - | - | - | - | - | 4 | - | - | - | |
44 |
- | - | 1,210 | 14,689 | 6,617 | 25,927 | 18,283 | 38,054 | 20,882 | 13,121 | 15,361 | 20,558 | |
440/4 |
- | - | 1,210 | 14,689 | 6,617 | 25,927 | 18,283 | 38,054 | 20,882 | 13,121 | 15,361 | 20,558 | |
46 |
- | - | - | - | - | 584 | 584 | 746 | 342 | - | - | - | |
45 |
4,573 | 91,877 | 91,877 | 43,178 | 34,454 | 29,798 | 41,346 | 34,280 | 45,650 | 49,258 | 59,374 | 18,919 | |
450/3 |
4,573 | 91,877 | 91,877 | 17,218 | 10,855 | 4,108 | 13,432 | 5,839 | 13,776 | 15,562 | 27,480 | - | |
454/9 |
- | - | - | 25,960 | 23,599 | 25,691 | 27,914 | 28,441 | 31,875 | 33,696 | 31,894 | 18,919 | |
47/48 |
- | - | 45,000 | - | - | - | - | - | - | - | 12,380 | 1,512 | |
492/3 |
4,309 | 4,309 | 204,309 | 21,309 | 25,000 | 36,000 | - | - | 3,931 | 5,571 | - | 6,426 | |
| Income statement | |||||||||||||
76A |
- | - | 8,667 | - | - | - | 480 | - | - | - | - | - | |
9900 |
5,534 | -1,638 | 761,659 | 230,013 | 251,738 | 255,977 | 300,962 | 271,590 | 279,562 | 308,158 | 348,997 | 148,310 | |
62 |
- | - | 130,692 | 163,845 | 131,733 | 144,225 | 145,282 | 144,272 | 138,389 | 157,321 | 164,874 | 87,118 | |
630 |
- | - | - | 45,619 | 85,408 | 84,048 | 88,644 | 98,539 | 97,487 | 95,612 | 89,730 | 51,120 | |
631/4 |
5,076 | - | - | - | - | - | - | - | - | - | - | - | |
640/8 |
528 | 605 | 11,816 | 9,947 | 6,984 | 5,483 | 10,992 | 11,399 | 11,281 | 12,252 | 6,685 | 762 | |
66A |
- | - | - | - | - | - | 4,802 | - | - | 5,495 | - | - | |
9901 |
-70 | -2,243 | 619,152 | 10,602 | 27,612 | 22,222 | 51,242 | 17,380 | 32,405 | 42,973 | 87,708 | 9,311 | |
75/76B |
303 | 266 | 0 | 1 | 8 | 13 | 88 | 88 | 265 | 434 | 95 | 4 | |
75 |
303 | 266 | 0 | 1 | 8 | 13 | 88 | 88 | 265 | 434 | 95 | 4 | |
65/66B |
329 | 279 | 7,211 | 5,249 | 15,270 | 13,161 | 27,802 | 19,248 | 18,470 | 24,099 | 24,795 | 18,331 | |
65 |
329 | 279 | 7,211 | 5,249 | 15,270 | 13,161 | 27,802 | 19,248 | 18,470 | 24,099 | 24,795 | 18,331 | |
9903 |
-97 | -2,257 | 611,941 | 5,355 | 12,351 | 9,074 | 23,528 | -1,780 | 14,200 | 13,814 | 63,008 | -9,016 | |
680 |
- | - | 53,073 | - | - | - | - | - | - | - | - | - | |
67/77 |
- | 80 | 91,877 | 5,404 | 5,083 | 4,086 | 13,433 | 3,904 | 7,531 | 6,887 | 17,306 | 1 | |
9904 |
-97 | -2,336 | 466,991 | -50 | 7,268 | 4,988 | 10,095 | -5,684 | 6,669 | 3,464 | 45,703 | -9,017 | |
789 |
- | - | - | - | - | - | 3,334 | - | - | - | - | - | |
689 |
- | - | 159,219 | - | - | - | - | - | 3,334 | - | 18,750 | - | |
9905 |
-97 | -2,336 | 307,772 | -50 | 7,268 | 4,988 | 13,429 | -5,684 | 3,334 | 3,464 | 26,953 | -9,017 | |
| Appropriation of the result | |||||||||||||
9906 |
274,330 | 274,426 | 321,762 | 13,990 | 14,040 | 6,772 | 11,784 | -1,645 | 4,039 | 6,204 | 17,936 | -9,017 | |
14P |
274,426 | 276,762 | 13,990 | 14,040 | - | - | - | - | - | - | - | - | |
691/2 |
- | - | - | - | - | - | 10,000 | - | - | 5,500 | 3,500 | - | |
6920 |
- | - | - | - | - | - | - | - | - | 500 | 3,500 | - | |
6921 |
- | - | - | - | - | - | 10,000 | - | - | 5,000 | - | - | |
694/7 |
- | - | 45,000 | - | - | - | - | - | - | - | 14,000 | - | |
694 |
- | - | - | - | - | - | - | - | - | - | 14,000 | - | |
695 |
- | - | 45,000 | - | - | - | - | - | - | - | - | - | |
| Social balance sheet | |||||||||||||
9087 |
- | - | 2 | 4.8 | 4.3 | 4.1 | 4.1 | 4 | 4.3 | 4.4 | 4.4 | 2.6 | |
Hours worked1013 |
- | - | 3,000 | 6,660 | 5,229 | 5,346 | 5,280 | 5,264 | 5,605 | 5,823 | 5,659 | 3,118 | |
| Document | |||||||||||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 29-05-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 29 days after the deadline. Filed on 29 May 2026, deadline 30 April 2026 (7 months after the close on 30 September 2025, Companies Code art. 3:10). Source: NBB, 2026-00130512.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 29-05-2026 | 2026-00130512 | |
| 30-09-2024 | micro format | 30-04-2025 | 2025-00088040 | |
| 30-09-2023 | micro format | 30-04-2024 | 2024-00082703 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20412121 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-64400366 | |
| 31-12-2019 | micro format | 24-11-2020 | 2020-72100549 | |
| 31-12-2018 | micro format | 14-11-2019 | 2019-73700235 | |
| 31-12-2017 | micro format | 31-08-2018 | 2018-57200319 | |
| 31-12-2016 | micro format | 31-08-2017 | 2017-57900246 | |
| 31-12-2015 | full format | 30-09-2016 | 2016-63800560 | |
| 31-12-2014 | full format | 24-08-2015 | 2015-46100175 | |
| 31-12-2013 | full format | 28-08-2014 | 2014-52800007 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| - | - | - | 56,221 | 113,020 | 106,270 | 139,886 | 115,919 | 129,892 | 138,585 | 177,438 | 60,431 | ||
| - | - | - | 45,569 | 92,676 | 89,036 | 98,739 | 92,855 | 104,156 | 99,075 | 135,433 | 42,103 | ||
| - | - | 23,013 | 9,500 | 18,288 | 30,058 | 1,637 | 3,161 | 18,829 | 44,312 | 28,708 | 637,216 | ||
| -25,320 | -47,183 | - | -606 | 26,818 | -3,301 | 6,520 | 5,194 | -2,802 | -67,242 | 65,904 | - | ||
| 541,539 | 541,635 | 743,972 | 72,278 | 39,899 | 8,410 | -11,562 | -30,156 | -36,769 | -36,601 | -19,810 | -38,907 | ||
| 89.2% | 77.4% | 56.5% | 53.7% | 48.4% | 29.8% | 24.5% | 17.1% | 15.2% | 12.1% | 9.4% | 4.7% | ||
| - | 6.90 | 6.39 | 2.25 | 1.55 | 1.06 | 0.92 | 0.80 | 0.76 | 0.75 | 0.88 | 0.63 | ||
| 0.02 | 0.19 | 0.67 | 0.86 | 1.07 | 2.36 | 3.09 | 4.86 | 5.58 | 7.28 | 9.61 | 20.06 | ||
| 0.0% | -0.5% | 90.9% | -0.1% | 7.9% | 5.9% | 12.7% | -8.2% | 8.9% | 5.1% | 72.9% | -29.1% | ||
| 0.0% | -0.4% | 51.4% | 0.0% | 3.8% | 1.8% | 3.1% | -1.4% | 1.3% | 0.6% | 6.9% | -1.4% | ||
| - | - | - | 10.71 | - | - | - | - | - | - | - | - |
A ratio outside any meaningful range has been withheld (balance sheet total €573,226, equity €511,270).
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 30-09-2023 | 31-12-2021 |
|---|---|---|
| Employees at the balance-sheet date | - | 5 |
| full-time | - | 4 |
| part-time | - | 1 |
| in full-time equivalents | - | 4.4 |
| 2 | 4.8 | |
| On a permanent contract | - | 5 |
| Joined | - | 1 |
| Left | - | 1 |
Source: social balance sheet in the 2021 to 2023 annual accounts
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 2021 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | €23,013 | €9,500 |
| - | - | - | €45,619 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on B2C
The operating result for 2025 is a loss of €70, smaller than the loss of €2,243 in 2024.
Debt's share of the balance-sheet total falls from 14.6% to 1.5%. Debt is lower.
Board & ownership
Board
1 director, last change in 2023Statutory director
appointed by deed of 06-01-2023
term without a fixed end
earlier manager, until 06-01-2023
listed in the 2025 annual accounts, filed on 29-05-2026
Mandates through the years
2 names, the dashed line is todayDEGROOTE Edouard
Statutory director
Statutory director
LEMOINE Benjamin
Director
Director
BoardEarliermandate already running before its first mention
Mandates as a list
- DEGROOTE Edouard
- Statutory director, since before 31-12-2021
- Manager, until 06-01-2023
- LEMOINE Benjamin
- Director, until 27-10-2022
Control
Capital
- Contribution
- €40,000
- Source
- 2025 annual accounts
Articles of association
deed of 06-01-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Tuesday of March at 14:00
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Dissolution-liquidateurs, assemblée générale désigne un ou plusieurs liquidateurs”
Network & group
No group
B2C has no parent and no holdings in its annual accounts. DEGROOTE Edouard is the only director. B2C shares no director with another company.
At the same address
Roger Lapébie erf 2, 7700 Mouscron · 4 other companies| EDM
registered office since 09-01-2018 · founded in 2016 |
total assets €709,224 (2025) 0668.605.855 |
| 6TM
registered office since 13-03-2017 · founded in 2016 |
total assets €551,301 (2025) 0668.606.350 |
| SUN7
registered office since 21-11-2013 · founded in 2013 · negative equity (2025) |
total assets €489,758 (2025) 0542.359.464 |
| BET UNIT
registered office since 01-03-2019 |
founded in 2019 0721.939.722 |
Timeline
Timeline
22 events since 2012Board
Capital
Filings
Financial
Establishments
Address
20122014201620182020202220242026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 29 days late
2025
Liquidity more than 17 times current ratio 119.42 The current ratio rises from 6.90 to 119.42. Short-term debt falls from €91,877 to €4,573.
Annual accounts 2024 filed PDFmicro format · on the deadline day
2024
Annual accounts 2023 filed PDFmicro format · on the deadline day
2023
Back to profit net €466,991 The net result is €466,991, after one loss-making year.
Liquidity more than doubled current ratio 6.39 The current ratio rises from 2.25 to 6.39.
Equity above €500,000 equity €513,703 ▲460% Equity rises from €91,712 to €513,703.
Company renamed from BE Assurances to B2CChange of role: DEGROOTE Edouard, from manager to statutory director · Permanent representative: DEGROOTE Edouard · 400 shares · General meeting of 22-12-20227 points ▸
- General meeting, 22-12-2022
- Name change, B2C
- 400 shares
- Director resignation, DEGROOTE Edouard (manager)
- Director appointment, DEGROOTE Edouard (statutory director)
- Permanent representative, DEGROOTE Edouard
- Director discharge, DEGROOTE Edouard
- The deed holds 5 more points.
2022
Registered office moved from Celles to MouscronNew registered office: CLOS ROGER LAPEBIE 2 7700 MOUSCRON · Previous registered office: Rue PROVINCIALE 33-7760 Celles · Resignation: LEMOINE Benjamin (director) · General meeting of 27-10-20224 points ▸
- General meeting, 27-10-2022
- Director resignation, LEMOINE Benjamin
- Director discharge, LEMOINE Benjamin
- Registered-office move, CLOS ROGER LAPEBIE 2 7700 MOUSCRON
Annual accounts 2021 filed PDFmicro format · 31 days late
2021
Annual accounts 2020 filed PDFmicro format · 31 days late
2020
Annual accounts 2019 filed PDFmicro format · 116 days late
2019
Annual accounts 2018 filed PDFmicro format · 106 days late
2018
Back to profit net €10,095 The net result is €10,095, after one loss-making year.
Annual accounts 2017 filed PDFmicro format · 31 days late
2017
Annual accounts 2016 filed PDFmicro format · 31 days late
2016
Annual accounts 2015 filed PDFfull format · 61 days late
2015
Annual accounts 2014 filed PDFfull format · 24 days late
2014
Back to profit net €45,703 The net result is €45,703, after one loss-making year.
Annual accounts 2013 filed PDFfull format · 28 days late
2013
First establishment B2C-Conseils, Roger Lapébie erf 2, Mouscron
2012
Incorporation PDFpublished on 10-12-2012
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0501.631.144
- VAT number
- BE 0501.631.144
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-11-2012
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Tuesday of March at 14:00deed of 06-01-2023 (in French)
- Peppol
- Not found in the Peppol Directory
- Name
- B2C in French
- Former name
- BE Assurances until the deed of 06-01-2023
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 06-01-2023 (in French)
- Name clauseThe company operates under this name according to its articles.
- B2Cdeed of 06-01-2023 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
66191
Agents and brokers in banking services
66220
Activities auxiliary to financial services and insurance activities
69202
Legal and accounting activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'acquisition de participations,sous quelque forme que ce soit,dans toutes sortes de personnes morales et sociétés existantes ou à…”deed of 06-01-2023 (in French)
16 activities
- L'acquisition de participations,sous quelque forme que ce soit,dans toutes sortes de personnes morales et sociétés existantes ou à constituer,la stimulation,la planification,la coordination,le développement de et l'investissement dans des personnes morales et des entreprises dans lesquelles elle a une participation ou non;
- L'octroi de prêts et d'ouvertures de crédit à des personnes morales et à des entreprises ou à des particuliers,sous quelque forme que ce soit;dans ce cadre,elle peut également se porter garante ou donner son aval,au sens le plus large,procéder à toutes sortes d'opérations commerciales et financières;
- Donner des conseils de nature financière,technique,commerciale ou administrative,au sens le plus large;donner de l'aide et procurer des services,que ce soit directement ou indirectement,en matière d'administration et de finances,de vente,de production et d'administration générale;
- Assumer toutes sortes de mandats administratifs (administrateur,gérant,directeur),remplir des missions et exercer des fonctions,y compris des mandats de liquidateur;
- Développer,acheter,vendre,prendre en licence ou donner des brevets,du savoir-faire et d'autres immobilisations incorporelles durables et annexes;
- La prestation des services administratifs et informatiques;
- L'achat et la vente,l'importation et l'exportation,la commission et la représentation de tout biens généralement quelconques,en bref,agir comme intermédiaire commercial;
- La recherche,le développement,la fabrication ou la commercialisation de nouveaux produits,de nouvelles formes de technologies et leurs applications;
- Fournir des garanties réelles ou personnelles au profit de tiers.
- La constitution et la gestion d'un patrimoine mobilier,toutes les opérations,de quelque nature qu'elles soient,relatives à des biens et des droits meubles,telles que l'acquisition,par souscription ou par achat,et la gestion d'actions,d'obligations,de bons de caisse ou d'autres valeurs meubles,de quelque forme que ce soit,de personnes morales et d'entreprises belges ou étrangères existantes ou à constituer.
- L'intermédiation en services bancaires,services d'investissement et crédit en qualité d'agent bancaire,ainsi que toutes opérations et tous services qui y sont liés ou qui entrent habituellement dans l'activité d'agent bancaire;
- L'intermédiation en assurances;
- L'activité d'agent/courtier en immobilier;
- Fiscalité agricole.
- La constitution et la gestion d'un patrimoine immobilier;toutes les opérations relatives aux biens immobiliers et aux droits réels immobiliers,telles que la location-financement de biens immobiliers aux tiers,l'achat,la vente,l'échange,la construction,la transformation,l'entretien,la mise en location,la prise en location,le lotissement,la prospection et l'exploitation de biens immobiliers;
- L'achat et la vente,la prise en location et la mise en location de biens mobiliers,ainsi que toutes les opérations qui sont directement ou indirectement liées à cet objet et qui sont de nature à favoriser le rendement des biens mobiliers et immobiliers,ainsi que se porter garante pour le bon déroulement d'engagements pris par de tierces personnes qui ont éventuellement la jouissance de ces biens mobiliers et immobiliers;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| B2C-Conseils registered office Roger Lapébie erf 2, 7700 Mouscron | 01-01-2013 | 2.215.042.906 |
1 former office
- Rue PROVINCIALE 33, 7760 Celles until 27-10-2022 · deed of 09-12-2022
Buildings and parcels at the address
- Ground area
- 812 m²
- Buildings
- 135 m²
- Volume, LiDAR
- 740 m³
- Tallest building
- 7.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 54432C0350/00G000 | 812 m² | 1 · 135 m² | 7.5 m · 2 |