BB Incoma
ActiveThe computed 12-month bankruptcy probability of BB Incoma is 1.9% (moderate). The annual accounts of BB Incoma for fiscal year 2024 show a net loss of 79% of total assets and of 55% of the equity at the start of that year. The 2024 annual accounts show equity of €6k and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 59% of 8968 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency89▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 ample (current ratio 2.44 against 2.41 in 2023; short-term debt: 35.7% and cash: 0.2% of total assets), and 35.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
64.3%
Return on assets
-78.5%
Age of the figures
21 mo
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 · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-8k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-11-2025, 94 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
94 d late
2023
115 d late
2022
41 d early
2021
43 d late
2020
39 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€6k▼ 55.0%
2023 · €14k
2018: €6k
2019: €3k
2020: €16k
2021: €40k
2022: €41k
2023: €14k
2018 → 2024
Total assets
€10k▼ 51.4%
2023 · €21k
2018: €6k
2019: €3k
2020: €21k
2021: €66k
2022: €65k
2023: €21k
2018 → 2024
Net result
€-8k▲ 70.7%
2023 · €-27k
2018: €-6k
2019: €-2k
2020: €13k
2021: €24k
2022: €1k
2023: €-27k
2018 → 2024
Working capital
€5k▼ 42.2%
2023 · €9k
2019: €3k
2020: €16k
2021: €27k
2022: €29k
2023: €9k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€40k▲ 147%€41k▲ 3.5%€14k▼ 65.2%€6k▼ 55.0%
Operating result€16k-€37k▲ 135%€5k▼ 87.1%€-27k€-8k▲ 70.8%
Net result€13k-€24k▲ 86.0%€1k▼ 94.1%€-27k€-8k▲ 70.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2024 against €27k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €10k
Fixed assets
€1k▼ 76.1%
Current assets
€9k▼ 42.7%
Equity and liabilities €10k
Equity
€6k▼ 55.0%
Debt
€4k▼ 43.3%
The debt ratio rises from 30.6% to 35.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▲
2023 · €-20k
Cash flow
€-4k▲
2023 · €-20k
Solvency
64.3%▼
2023 · 69.4%
Current ratio
2.44▲
2023 · 2.41
Quick ratio
2.44▲
2023 · 2.41
Debt / equity
0.56▲
2023 · 0.44
ROE
-122.2%▲
2023 · -187.4%
ROA
-78.5%▲
2023 · -130.0%
Interest coverage
-43.44▲
2023 · -255.29
Debt
€4k▼
2023 · €6k
Debt ≤ 1 year
€4k▼
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€21k€10k▼
Fixed assets21/28€5k€1k▼
Tangible fixed assets22/27€5k€1k▼
Furniture and vehicles24€3k-
Other tangible fixed assets26€2k€1k▼
Current assets29/58€15k€9k▼
Amounts receivable within one year40/41€15k€9k▼
Other amounts receivable41€15k€9k▼
Cash at bank and in hand54/58€3€19▲
Equity and liabilities
Total equity and liabilities10/49€21k€10k▼
Equity10/15€14k€6k▼
Contributions10/11€12k€12k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€-17k€-25k▼
Amounts payable17/49€6k€4k▼
Amounts payable within one year42/48€6k€4k▼
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€15€15=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Other operating charges640/8€115€213▲
Gross operating margin9900€-20k€-3k▲
Operating profit (loss)9901€-27k€-8k▲
Financial charges65/66B€77€85▲
Recurring financial charges65€77€85▲
Profit (loss) for the period before taxes9903€-27k€-8k▲
Income taxes67/77€73-
Profit (loss) for the period9904€-27k€-8k▲
Profit (loss) for the period to be appropriated9905€-27k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-25k▼
Profit (loss) brought forward from the previous period14P€10k€-17k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 94 days late
2024
23-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 115 days late
2023
31-12
Financial
Weakest financial yearnet €-27k ▼2020%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 43 days late
2021
31-12
Financial
Highest result since 2018net €24k ▲86%
Operating result €37k, net result €24k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · 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
5 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, Vorst · 1 establishment unit since 2018
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.
Wijngaardstraat 421190 VorstGround area
155 m²
Building footprint
130 m²
Volume, LiDAR
797 m³
2 parcels, Brussels, Wallonia · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
BB Incoma
since 20182.274.856.371
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0227/00E013 | Brussels | 79 m² | 1 · 54 m² | 18.3 m · 5 fl. |
| 55004H0442/02_000indicative ProtectedMonument |
Wallonia | 76 m² | 1 · 76 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 13,425 companies in sector 73300 we hold annual accounts for 6,901. 3,009 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2018
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.