BAC Solutions
ActiveSummary
BAC Solutions has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€746) and a net result of -€20,254. Its solvency ranks better than 9% of 21,148 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 26-07-2023 Normal situation
- Registered office
- 10 active companies are registered at this address 2 started in the 12 months before. Source: KBO register, as of 2 November 2026.
- Activity
- Computer programming NACE 62100and 5 others
- Establishment unit
- 2.347.699.512 2000 Antwerpen, since 26-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 11-09-2025
Board and ownership
Board
- ARU Jaime JoskoDirector · since 26-07-2023
- COOREMAN Lauren Erna FreddyDirector · since 26-07-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.3%
Annual accounts 2025
- Gross margin
- -€19,181
- Loss
- €20,254
- Equity
- -€746
- Total assets
- €18,991
- ▼ 34.0%
- Negative equity on 31-12-2025
Turnover not published (micro format)
Score breakdownraises riskCapped at 59: negative equityNegative equity -€746Loss of €20,254 (financial year 2025)lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €18,991Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 11% of micro companies in computer programming and consultancy (NACE 62)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency
21-72
equity -3.9% of total assets
Liquidity
50-36
short-term debt 103.9% · cash 78.1%
Profitability
0-100
return on assets -106.7%
Bankruptcy probability within 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.5%▲ +0.1 percentage points vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025highest value
07-2025: < 0.1%▼ -0.6 percentage points vs 06-2025lowest value
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: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.3%▲ +0.2 percentage points vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.84 (2.76 in 2024), below 1. Short-term debt is 103.9% and cash 78.1% of total assets. Equity is negative.
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 62, micro). It does better than 8% of them on solvency, 27% on liquidity, 5% on profitability and 3% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€746
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 26-06-2026, 35 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
35 days early
2024
35 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 35 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 26-06-2026 at the NBB all 2 filings
Equity
-€746
2024 · €19,508
Total assets
€18,991▼ 34.0%
2024 · €28,791
Net result
-€20,254
2024 · €13,508
Working capital
-€3,137
2024 · €16,299
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
-€20,184
2025
20242025
Net result
-€20,254
2025
lowest quarter of the sector
20242025
Equity
-€746
2025
lowest quarter of the sector
20242025
Total assets
€18,991
▼ 34.0%
2025
lowest quarter of the sector
20242025
Debt
€19,737
▲ 113%
2025
20242025
Working capital
-€3,137
2025
lowest quarter of the sector
20242025
Solvency
-3.9%
▼ 71.7pp
2025
lowest quarter of the sector
20242025
Current ratio
0.84
▼ 1.91
2025
lowest quarter of the sector
20242025
Return on assets (ROA)
-106.7%
▼ 153.6pp
2025
lowest quarter of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€13,555--€20,184
Net result€13,508within the sector's middle half--€20,254below the sector's middle half
Equity€19,508below the sector's middle half--€746below the sector's middle half
Total assets€28,791below the sector's middle half-€18,991below the sector's middle half▼ 34.0%
Debt€9,283-€19,737▲ 113%
Working capital€16,299within the sector's middle half--€3,137below the sector's middle half
Solvency67.8%within the sector's middle half--3.9%below the sector's middle half▼ 71.7pp
Current ratio2.76within the sector's middle half-0.84below the sector's middle half▼ 1.91
Return on assets (ROA)46.9%above the sector's middle half--106.7%below the sector's middle half▼ 153.6pp
above
within
below
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €20,184, after a profit of €13,555 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18,991
Fixed assets
€2,392 ▼ 25.5%
Current assets
€16,599 ▼ 35.1%
Equity and liabilities
Equity-€746
Debt€19,737
Equity is negative. Debt (€19,737) exceeds the balance-sheet total (€18,991).
Key figures and ratios
EBITDA
-€19,367▼
2024 · €14,582
Cash flow
-€19,437▼
2024 · €14,535
Interest coverage
-203.86▼
2024 · over 100
Debt ≤ 1 year
€19,737▲
2024 · €9,283
Income taxes
-€4▼
2024 · €2
The equity ratios are withheld because equity of -€746 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €4,086 | - |
| Financial fixed assets | €150 | - |
| Depreciation and write-downs of the year | €1,027 | €817 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2024 · 1 entry · €50,000 awarded · €50,000 paidSchemes
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,027 | €817 | ▼ 20.4% |
| Other operating charges640/8 | €3,010 | €186 | ▼ 93.8% |
| Gross operating margin9900 | €17,592 | -€19,181 | - |
| Operating profit (loss)9901 | €13,555 | -€20,184 | - |
| Financial income75/76B | €6 | €21 | ▲ 239% |
| Recurring financial income75 | €6 | €21 | ▲ 239% |
| Financial charges65/66B | €51 | €95 | ▲ 85.8% |
| Recurring financial charges65 | €51 | €95 | ▲ 85.8% |
| Profit (loss) for the period before taxes9903 | €13,510 | -€20,258 | - |
| Income taxes67/77 | €2 | -€4 | - |
| Profit (loss) for the period9904 | €13,508 | -€20,254 | - |
| Profit (loss) for the period to be appropriated9905 | €13,508 | -€20,254 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €28,791 | €18,991 | ▼ 34.0% |
| Fixed assets21/28 | €3,209 | €2,392 | ▼ 25.5% |
| Tangible fixed assets22/27 | €3,059 | €2,242 | ▼ 26.7% |
| Plant, machinery and equipment23 | €3,059 | €2,242 | ▼ 26.7% |
| Financial fixed assets28 | €150 | €150 | = |
| Current assets29/58 | €25,582 | €16,599 | ▼ 35.1% |
| Amounts receivable within one year40/41 | €4,218 | €308 | ▼ 92.7% |
| Trade receivables40 | €2,312 | - | - |
| Other amounts receivable41 | €1,906 | €308 | ▼ 83.8% |
| Cash at bank and in hand54/58 | €20,268 | €14,839 | ▼ 26.8% |
| Deferred charges and accrued income490/1 | €1,096 | €1,452 | ▲ 32.5% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €28,791 | €18,991 | ▼ 34.0% |
| Equity10/15 | €19,508 | -€746 | - |
| Contributions10/11 | €6,000 | €6,000 | = |
| Reserves13 | €13,508 | €13,508 | = |
| Distributable reserves133 | €13,508 | €13,508 | = |
| Profit (loss) carried forward14 | - | -€20,254 | - |
| Amounts payable17/49 | €9,283 | €19,737 | ▲ 113% |
| Amounts payable within one year42/48 | €9,283 | €19,737 | ▲ 113% |
| Trade debts44 | €864 | €820 | ▼ 5.0% |
| Suppliers440/4 | €864 | €820 | ▼ 5.0% |
| Taxes, remuneration and social security45 | €8,418 | €18,917 | ▲ 125% |
| Taxes450/3 | €8,418 | €13,926 | ▲ 65.4% |
| Remuneration and social security454/9 | - | €4,991 | - |
| Other amounts payable47/48 | €1 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €13,508 | -€20,254 | - |
| + Depreciation and write-downs630 | €1,027 | €817 | ▼ 20.4% |
| Operating cash flow (approximation) | €14,535 | -€19,437 | - |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€5,429 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,639 companies had the same profile as BAC Solutions has now. Two years later, 84.9% were still going and 8.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
84.9%
was still going
5.6%
stopped otherwise
8.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BAC Solutions itself is lower: 0.3% within 12 months. It rests on far more data about BAC Solutions than the profile alone.
Test of the method
The method was tested on the 497,446 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 7,639 companies, not a prediction for BAC Solutions. 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.
Board & ownership
Directors
Directors
2 directors, no change since 2025
ARU Jaime Josko
Current
Director (not named in the articles) · since 26-07-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 26-06-2026
COOREMAN Lauren Erna Freddy
Current
Director (not named in the articles) · since 26-07-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 26-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“- Indien de vennootschap door meer dan één bestuurder wordt bestuurd, mag iedere bestuurder, alleen optredend, alle handelingen stellen die…”
deed of 28-07-2023Owners and capital
Shareholders
At incorporation
act of 28-07-2023 ↗
- COOREMAN Lauren Erna Freddy 20 shares (33.3%) · €2,000
- ARU Jaime Josko 20 shares (33.3%) · €2,000
- BRITS Stef 20 shares (33.3%) · €2,000
Capital transactions
Capital over time
- 28-07-2023 Incorporation · 60 shares
Mandate history
3 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| ARU Jaime Josko |
|
| COOREMAN Lauren Erna Freddy |
|
| Brits Stef |
|
Network & group
BAC Solutions shares no director with another company.
Companies at the same address
9 other companies- Hotfix Registered office · since 2026 1041221160
- Relite Consulting Registered office · since 2026 1037919893
- EUROWASTE GROEP Registered office · since 2012 0844578208
- EUROWASTE INTERNATIONAL Registered office · since 2010 0823151403
- CAREWORKS Registered office · since 2008 0894082652
- EUROWASTE Registered office · since 1996 0458360434
- Vereniging van Mede-Eigenaars van het gebouw Arethusa te 2000 Antwerpen, Verviersstraat 2-4 Registered office · since 1995 0684646091
- ANFIDI Registered office · since 1985 0428071094
- Bton Registered office · since 1977 0416899367
Connections & network
2 current directorsThe network starts from the directors of BAC Solutions. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
26-06
micro format · 35 days before the deadline
2025
26-06
micro format · 35 days before the deadline
13-06
Gazette deed
Resignation: Brits Stef (director)Director discharge3 points ▸
Gazette deed
Resignation: Brits Stef (director)
Director discharge3 points ▸
- General meeting, 15-05-2025
- Director resignation, Brits Stef (director)
- Director discharge, Brits Stef
2023
28-07
Gazette deed
IncorporationAppointments: COOREMAN Lauren Erna Freddy, ARU Jaime Josko and BRITS Stef · Founder · Founding capital13 points ▸
Gazette deed
Incorporation
Appointments: COOREMAN Lauren Erna Freddy, ARU Jaime Josko and BRITS Stef · Founder · Founding capital13 points ▸
- Incorporation, 26-07-2023
- Founder, COOREMAN Lauren Erna Freddy
- Founder, ARU Jaime Josko
- Founder, BRITS Stef
- Founding capital
- Other provision, “niet-volstorting inbreng bij oprichting, eigen vermogensrekening niet-opgevraagde inbrengen” (deed in Dutch)
- Other provision, “verbintenis tot volstorting aanvangsvermogen na opening bankrekening, verklaring bij te voegen waarbij de aandeelhouders zich ertoe verbinden om het aanvangsver…” (deed in Dutch)
- Registered office clause, “2000 Antwerpen,Verviersstraat 2 bus 6C” (deed in Dutch)
- Board rule, 3, “vergadering” (deed in Dutch)
- Director appointment, COOREMAN Lauren Erna Freddy (director (not named in the articles))
- Director appointment, ARU Jaime Josko (director (not named in the articles))
- Director appointment, BRITS Stef (director (not named in the articles))
- The act holds 1 more point.
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
BAC Solutions in Dutch
Enterprise number
0804.308.558
Legal form
Private limited company
Status
Active, normale toestand
Founded
26-07-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 28-07-2023 (in Dutch)Name clauseThe company operates under this name according to its articles.
BAC Solutions
deed of 28-07-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 28-07-2023 (in Dutch)Registered office and establishments
Registered office
Verviersstraat 2, 2000 Antwerpen, Belgium
Establishment unit
BAC Solutions, Verviersstraat 2, 2000 Antwerpen since 26-07-2023 · unit number 2.347.699.512
Activities
NACEBEL 202562100
Computer programming main activity
33200
Installation of industrial machinery and equipment
46500
Wholesale of information and communication equipment
46649
Wholesale of other machinery and equipment
62200
Computer consultancy and computer facilities management
82990
Other business support services
Codes under NACEBEL 2008
62010
Computer programming, consultancy and related activities main activity
33200
Installation of industrial machinery and equipment
46510
Wholesale trade
46699
Wholesale trade
62020
IT consultancy
82990
Other business support services
Invoicing and payment
VAT number
BE 0804.308.558
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
25 June at 16:00
deed of 28-07-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
799 m²
Building footprint
546 m²
Building volume
12,208 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11811L3947/00M000 | Flanders | 799 m² | 1 · 546 m² | 26.3 m · 8 |