Skip to content

BAC Group

Active
Private limited companyfounded 20241 yr activeRue de Montigny 4, 6000 Charleroi, BelgiumKBO/BCE: BE 1015.982.750
Summary

BAC Group has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212,065 and a net result of -€12,935. Its solvency ranks better than 16% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Checked score

Score 2025
Axes
Profitability36
Solvency30
Growth-
Track record67
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.46; short-term debt: 40.7% and cash: 1% of total assets), and 95.1% of the assets are financed with debt.
Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 10485 sector peers (2025).
NBB · sector comparison
Position among 10485 sector peers
Solvency
better than 16%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
on the day
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 7 November 2024, BAC Group was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

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, abbreviated schema

Equity
€212,065
Total assets
€4.3m
Net result
-€12,935
Working capital
€806,138

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €4.3m
Fixed assets €1.7m
Current assets €2.6m
Equity and liabilities €4.3m
Equity €212,065
Debt €4.1m
Debt finances 95.1% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€334,307
Cash flow
€179,232
Current ratio
1.46
Quick ratio
0.09
Debt to equity
19.29
ROE
-6.1%
ROA
-0.3%
Interest coverage
2.16
Debt ≤ 1 year
€1.7m
Debt > 1 year
€2.3m
Income taxes
€939
Staff costs
€692,176

Peer companies

Historical observation

Of the 120 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 96% are still going.

  • Small
  • under 2 years old
  • solvency under 10%
  • a small loss
2.5% went bankrupt
1.7% stopped otherwise
96% still going

For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 120 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 52 lines
Balance sheet Code2025
Assets
Total assets20/58€4.3m
Formation expenses20€14,522
Fixed assets21/28€1.7m
Intangible fixed assets21€1.2m
Tangible fixed assets22/27€533,650
Plant, machinery and equipment23€90,479
Furniture and vehicles24€39,866
Other tangible fixed assets26€403,305
Financial fixed assets28€47,370
Current assets29/58€2.6m
Stocks and contracts in progress3€2.4m
Stocks30/36€2.1m
Contracts in progress37€319,993
Amounts receivable within one year40/41€72,868
Trade receivables40€60,771
Other amounts receivable41€12,097
Cash at bank and in hand54/58€43,182
Deferred charges and accrued income490/1€45,926
Equity and liabilities
Total equity and liabilities10/49€4.3m
Equity10/15€212,065
Contributions10/11€225,000
Profit (loss) carried forward14-€12,935
Amounts payable17/49€4.1m
Amounts payable after more than one year17€2.3m
Financial debts170/4€2.3m
Amounts payable within one year42/48€1.7m
Current portion of amounts payable after more than one year42€245,405
Financial debts43€656,707
Credit institutions430/8€656,707
Trade debts44€474,052
Suppliers440/4€474,052
Advances received on contracts in progress46€246,793
Taxes, remuneration and social security45€126,190
Taxes450/3€67,517
Remuneration and social security454/9€58,673
Other amounts payable47/48€14
Accrued charges and deferred income492/3€37,940
Income statement Code2025
Remuneration, social security and pensions62€692,176
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€192,167
Other operating charges640/8€7,413
Gross operating margin9900€1.0m
Operating profit (loss)9901€142,140
Financial income75/76B€534
Recurring financial income75€534
Financial charges65/66B€154,670
Recurring financial charges65€154,670
Profit (loss) for the period before taxes9903-€11,996
Income taxes67/77€939
Profit (loss) for the period9904-€12,935
Profit (loss) for the period to be appropriated9905-€12,935
Appropriation of the result
Profit (loss) to be appropriated9906-€12,935
Social balance
Average headcount (FTE)908712.9

The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€692,176
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€192,167
Other operating charges640/8€7,413
Gross operating margin9900€1.0m
Operating profit (loss)9901€142,140
Financial income75/76B€534
Recurring financial income75€534
Financial charges65/66B€154,670
Recurring financial charges65€154,670
Profit (loss) for the period before taxes9903-€11,996
Income taxes67/77€939
Profit (loss) for the period9904-€12,935
Profit (loss) for the period to be appropriated9905-€12,935
Line2025
Assets
Total assets20/58€4.3m
Formation expenses20€14,522
Fixed assets21/28€1.7m
Intangible fixed assets21€1.2m
Tangible fixed assets22/27€533,650
Plant, machinery and equipment23€90,479
Furniture and vehicles24€39,866
Other tangible fixed assets26€403,305
Financial fixed assets28€47,370
Current assets29/58€2.6m
Stocks and contracts in progress3€2.4m
Stocks30/36€2.1m
Contracts in progress37€319,993
Amounts receivable within one year40/41€72,868
Trade receivables40€60,771
Other amounts receivable41€12,097
Cash at bank and in hand54/58€43,182
Deferred charges and accrued income490/1€45,926
Equity and liabilities
Total equity and liabilities10/49€4.3m
Equity10/15€212,065
Contributions10/11€225,000
Profit (loss) carried forward14-€12,935
Amounts payable17/49€4.1m
Amounts payable after more than one year17€2.3m
Financial debts170/4€2.3m
Amounts payable within one year42/48€1.7m
Current portion of amounts payable after more than one year42€245,405
Financial debts43€656,707
Credit institutions430/8€656,707
Trade debts44€474,052
Suppliers440/4€474,052
Advances received on contracts in progress46€246,793
Taxes, remuneration and social security45€126,190
Taxes450/3€67,517
Remuneration and social security454/9€58,673
Other amounts payable47/48€14
Accrued charges and deferred income492/3€37,940
Line2025
Profit (loss) for the period9904-€12,935
+ Depreciation and write-downs630€192,167
Operating cash flow (approximation)€179,232

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
0 of 3 acts read
About the unread acts

We know of 3 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
3 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, Charleroi · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
548 m²
Building footprint
194 m²
Volume, LiDAR
2,597 m³
Parcel 52011C0020/00H000, Wallonia · tallest building 19.6 m, ±4 floors. Linked by address, not a title deed.
5 companies at this address See who is registered here
1 establishment unit
BAC Group
Rue de Montigny 4, 6000 CharleroiManufacture of jewellery
since 20242.369.829.368
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52011C0020/00H000 Wallonia 548 m² 1 · 194 m² 19.6 m · 4 fl.
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.

Similar companies · same sector, comparable size

Of 2,016 companies in sector 47770 we hold annual accounts for 897. 689 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
Founded07-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47770Retail sale of watches and jewellery
32123Manufacture of jewellery
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
E-invoicing
Reachable via Peppol
Peppol ID 0208:1015982750
Registered 18-03-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.