BCA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

BCA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €77k and a net result of €28k. Equity is growing by ~75.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 773 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 24 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	31-07-2025	on the day	2025-00339049
31-12-2023	31-07-2024	25-07-2024	6 d early	2024-00312653
31-12-2022	31-07-2023	25-07-2023	6 d early	2023-00270737
31-12-2021	31-07-2022	25-07-2022	6 d early	2022-20223679

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€77k+57.1%

Net result€28k-1.2%

Total assets€401k+101.3%

Solvency19.2%-5.4pp

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 31-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~75.1%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	19.2%	38.6%	better than 32% of 773 sector peers
Net result	€28k	€28k	better than 50% of 773 sector peers
Equity	€77k	€62k	better than 55% of 774 sector peers
Gross operating margin	€38k	€66k	better than 34% of 771 sector peers
Staff costs	€472	€63k	higher than 5% of 270 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P32

Weakening position over 2021-2024 · n=248-773

Net result P50

Improving position over 2021-2024 · n=248-773

Equity P55

Improving position over 2021-2024 · n=248-774

Gross operating margin P34

Stable position over 2022-2024 · n=435-771

Describes the position versus peers, not a forecast.

Net profit

€28k

-1.2% 21-24

Total assets

€401k

+101.3% 21-24

Equity

€77k

+57.1% 21-24

Staff costs

€472

- 21-24

Income taxes

€12k

+56.9% 21-24

Debt

€324k

+115.7% 21-24

Debt ≤ 1y

€42k

-29.8% 21-24

Debt > 1y

€282k

+211.9% 21-24

Show 3 other metrics

Solvency

19.2%

-21.9% 21-24

ROE

36.4%

-37.1% 21-24

ROA

7.0%

-50.9% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€28k
Cash flow	n/a
Staff costs	€472
Income taxes	€12k
Dividends	-
Total assets	€401k
Equity	€77k
Debt	€324k
of which ≤ 1y	€42k
of which > 1y	€282k
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	19.2%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	7.0%
ROE	36.4%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €372k · 92.9% Current assets €29k · 7.2%

Equity & liabilities

Equity €77k · 19.2% Debt €324k · 80.8%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€401k
Fixed assets	21/28	€372k
Tangible fixed assets	22/27	€18k
Financial fixed assets	28	€355k
Current assets	29/58	€29k
Amounts receivable within one year	40/41	€17k
Cash & bank	54/58	€12k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€401k
Equity	10/15	€77k
Contributions / capital	10/11	€4k
Reserves	13	€73k
Amounts payable	17/49	€324k
Amounts payable after one year	17	€282k
Amounts payable within one year	42/48	€42k
Trade debts payable within one year	44	€492
Income statement
Gross operating margin	9900	€38k
Operating result	9901	€32k
Financial income	75	€11k
Financial charges	65	€3k
Result before taxes	9903	€40k
Income taxes	67/77	€12k
Net result for the period	9904	€28k
Result to be appropriated	9905	€28k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

BCA

Ennal 3 C, 6698 VielsalmManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20212.326.613.492

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,797 m²

Buildings1

Building footprint208 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
82011A2143/00C000	Wallonia	1,797 m²	1 · 208 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 2 acts read

We know of 2 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.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.