BALCOM
ActiveThe computed 12-month bankruptcy probability of BALCOM is 5.7% (elevated). The annual accounts of BALCOM for fiscal year 2025 show a net loss of 51% of the equity at the start of that year. The 2025 annual accounts show equity of €16k and a net result of €-17k. Equity is shrinking by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 36% of 4575 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-56
Solvency50▼-22
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
5.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.08 against 1.27 in 2024; short-term debt: 44.5% and cash: 8.7% of total assets), and 74.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.3%
Return on assets
-26.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-03-2026, 42 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
42 d early
2024
61 d early
2023
144 d early
2022
153 d early
2021
75 d early
2020
145 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 51.1%
2024 · €34k
2020: €32k
2021: €40k
2022: €46k
2023: €29k
2024: €34k
2020 → 2025
Total assets
€65k▼ 9.7%
2024 · €72k
2020: €37k
2021: €42k
2022: €70k
2023: €83k
2024: €72k
2020 → 2025
Net result
€-17k
2024 · €5k
2020: €13k
2021: €8k
2022: €7k
2023: €-18k
2024: €5k
2020 → 2025
Working capital
€2k▼ 62.2%
2024 · €6k
2020: €15k
2021: €25k
2022: €33k
2023: €10k
2024: €6k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€46k▲ 16.3%€29k▼ 38.2%€34k▲ 17.2%€16k▼ 51.1%
Operating result€10k-€11k▲ 18.8%€-12k€8k€-14k
Net result€8k-€7k▼ 20.5%€-18k€5k€-17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €8k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€34k▼ 19.6%
Current assets
€31k▲ 4.1%
Equity and liabilities €65k
Equity
€16k▼ 51.1%
Debt
€49k▲ 26.5%
The debt ratio rises from 53.3% to 74.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €10k
Cash flow
€-9k▼
2024 · €7k
Solvency
25.3%▼
2024 · 46.7%
Current ratio
1.08▼
2024 · 1.27
Quick ratio
1.08▼
2024 · 1.27
Debt / equity
2.95▲
2024 · 1.14
ROE
-104.3%▼
2024 · 14.6%
ROA
-26.4%▼
2024 · 6.8%
Interest coverage
-1.78▼
2024 · 3.50
Debt
€49k▲
2024 · €38k
Debt ≤ 1 year
€29k▲
2024 · €24k
Debt > 1 year
€20k▲
2024 · €15k
Staff costs
€23k▼
2024 · €36k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€72k€65k▼
Fixed assets21/28€42k€34k▼
Tangible fixed assets22/27€33k€25k▼
Furniture and vehicles24€33k€25k▼
Financial fixed assets28€9k€9k=
Current assets29/58€30k€31k▲
Amounts receivable within one year40/41€28k€26k▼
Trade receivables40€22k€26k▲
Other amounts receivable41€7k-
Cash at bank and in hand54/58€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€72k€65k▼
Equity10/15€34k€16k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Outside capital11-€19k
Other1109/19-€19k
Profit (loss) carried forward14€15k€-2k▼
Amounts payable17/49€38k€49k▲
Amounts payable after more than one year17€15k€20k▲
Financial debts170/4€15k€20k▲
Amounts payable within one year42/48€24k€29k▲
Current portion of amounts payable after more than one year42€10k€17k▲
Financial debts43€7k-
Credit institutions430/8€7k-
Trade debts44€443€7k▲
Suppliers440/4€443€7k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€127-
Other amounts payable47/48-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€36k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€8k▲
Other operating charges640/8€7k€3k▼
Gross operating margin9900€53k€20k▼
Operating profit (loss)9901€8k€-14k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€5k€-17k▼
Profit (loss) for the period9904€5k€-17k▼
Profit (loss) for the period to be appropriated9905€5k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-2k▼
Profit (loss) brought forward from the previous period14P€10k€15k▲
The notes to these accounts (5 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2023
08-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Weakest financial yearnet €-18k ▼372%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
14-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity triplescurrent ratio 12.06
Current ratio from 3.82 to 12.06; short-term debt falls from €5k to €2k.
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 145 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Koekelberg · 1 establishment unit since 2019
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.
Léon Autriquestraat 151081 KoekelbergGround area
274 m²
Building footprint
272 m²
Volume, LiDAR
2,774 m³
Parcel 21492B0147/02T002, Brussels · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Léon Autriquestraat 15, 1081 Koekelberg
since 20192.286.504.883
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0147/02T002 | Brussels | 274 m² | 1 · 272 m² | 16.5 m · 5 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 12,606 companies in sector 49410 we hold annual accounts for 8,199. 4,670 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2019
Fiscal year end30-09
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.