BACCA
ActiveSummary
BACCA has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €426k and a net result of €41k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 48% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+64
Solvency79▲+6
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.77 against 1.46 in 2024; short-term debt: 7.9% and cash: 2.6% of total assets), and 45.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
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
54.5%
Return on assets
5.3%
Age of the figures
9 mo
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
26 d late
2023
51 d early
2022
120 d early
2021
45 d early
2020
89 d late
2019
454 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
€426k▲ 10.6%
2024 · €385k
2018: €386k
2019: €418k
2020: €431k
2021: €439k
2022: €439k
2023: €435k
2024: €385k
2018 → 2025
Total assets
€782k▼ 1.9%
2024 · €797k
2018: €1.17M
2019: €1.16M
2020: €1.10M
2021: €1.09M
2022: €967k
2023: €885k
2024: €797k
2018 → 2025
Net result
€41k
2024 · €-50k
2018: €73k
2019: €33k
2020: €17k
2021: €43k
2022: €-4k
2023: €-4k
2024: €-50k
2018 → 2025
Working capital
€47k▲ 59.9%
2024 · €30k
2018: €108k
2019: €107k
2020: €148k
2021: €111k
2022: €75k
2023: €98k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€439k-€439k=€435k▼ 0.8%€385k▼ 11.5%€426k▲ 10.6%
Operating result€76k-€16k▼ 79.3%€13k▼ 18.0%€-42k€59k
Net result€43k-€-4k€-4k▲ 15.7%€-50k▼ 1,245%€41k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €59k after a loss of €42k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €782k
Fixed assets
€673k ▼ 4.2%
Current assets
€109k ▲ 15.0%
Equity and liabilities €782k
Equity
€426k ▲ 10.6%
Provisions
€73k ▼ 5.7%
Debt
€283k ▼ 15.4%
Debt's share of the balance-sheet total falls from 41.9% to 36.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▲
2024 · €-13k
Cash flow
€70k▲
2024 · €-21k
Current ratio
1.77▲
2024 · 1.46
Debt to equity
0.66▼
2024 · 0.87
ROE
9.7%▲
2024 · -13.0%
ROA
5.3%▲
2024 · -6.3%
Interest coverage
10.39▲
2024 · -1.30
Debt ≤ 1 year
€61k▼
2024 · €65k
Debt > 1 year
€220k▼
2024 · €269k
Income taxes
€13k▲
2024 · €3k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€797k€782k▼
Fixed assets21/28€702k€673k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€702k€673k▼
Land and buildings22€699k€671k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€95k€109k▲
Amounts receivable within one year40/41€89k€88k▼
Trade receivables40€712€3k▲
Other amounts receivable41€88k€85k▼
Cash at bank and in hand54/58€6k€20k▲
Equity and liabilities
Total equity and liabilities10/49€797k€782k▼
Equity10/15€385k€426k▲
Contributions10/11€8k€8k=
Reserves13€407k€448k▲
Tax-exempt reserves132€151k€142k▼
Distributable reserves133€256k€306k▲
Profit (loss) carried forward14€-30k€-30k▼
Provisions and deferred taxes16€78k€73k▼
Deferred taxes168€78k€73k▼
Amounts payable17/49€334k€283k▼
Amounts payable after more than one year17€269k€220k▼
Financial debts170/4€269k€220k▼
Amounts payable within one year42/48€65k€61k▼
Current portion of amounts payable after more than one year42€45k€48k▲
Trade debts44€7k€26▼
Suppliers440/4€7k€26▼
Taxes, remuneration and social security45€7k€14k▲
Taxes450/3€7k€14k▲
Other amounts payable47/48€6k-
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k=
Other operating charges640/8€5k€2k▼
Gross operating margin9900€-8k€90k▲
Operating profit (loss)9901€-42k€59k▲
Financial income75/76B€5€2▼
Recurring financial income75€5€2▼
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€-52k€50k▲
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€3k€13k▲
Profit (loss) for the period9904€-50k€41k▲
Transfer from tax-exempt reserves789€9k€9k=
Profit (loss) for the period to be appropriated9905€-41k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€19k▲
Profit (loss) brought forward from the previous period14P€12k€-30k▼
Transfer to equity691/2-€50k
To other reserves6921-€50k
The notes to these accounts (9 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
31-12
Financial
Back to profitnet €41k
Net result €41k after 3 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 454 days late
2020
04-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 188 days late
2019
18-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 230 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ninove · 1 establishment unit since 1996
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.
Geraardsbergsesteenweg 3109404 NinoveGround area
128 m²
Building footprint
94 m²
Volume, LiDAR
647 m³
Parcel 41004B0301/00D000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BACCA
since 19962.076.589.262
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41004B0301/00D000 | Flanders | 128 m² | 1 · 94 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 756 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
Founded15-02-1996
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@bacca.be