BCA PROJECTS
ActiveSummary
The computed 12-month bankruptcy probability of BCA PROJECTS is 2.6% (moderate). The 2025 annual accounts show negative equity (-€204,443) and a net result of -€100,113. Equity has been growing by about 9.2% per year since 2018. Its solvency ranks better than 9% of 22,726 sector peers (NACE 47, financial year 2025). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 25-03-2016 Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 6 others
- Joint committees
- 100 Aanvullend Paritair Comité voor de werklieden
- 302 Paritair Comité voor het hotelbedrijf · annual accounts 2025
- Establishment units
- 2.251.916.564 9140 Temse, since 25-03-2016
- 2.382.576.257 9140 Temse, since 15-12-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 31-10-2023
Board and ownership
- De Cock CharlotteDirector · since 21-03-2016
- Boz ErcanDirector · since 31-10-2017
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.6%
- Gross margin
- €7,231
- ▼ 91.5%
- Turnover
- ≈ €110,000
- estimated
- Loss
- €100,113
- ▲ 79.3%
- Equity
- -€204,443
- ▼ 96.0%
- Total assets
- €226,633
- ▼ 23.1%
- Staff
- 2.2 FTE
- ▼ 35.3%
- Negative equity on 31-12-2025
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskLoss of €100,113, the second in a row (financial year 2025)Negative equity -€204,443Sector: Retail trade (NACE 47)lowers riskSize: total assets €226,633Show the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 47, micro). It does better than 6% of them on solvency, 70% on liquidity, 6% on profitability and 6% on growth.
The bankruptcy probability was computed on 01-11-2026 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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 9 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00498299.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 9 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is a loss of €97,149, larger than the loss of €55,077 in 2024. It is the lowest result since 2021.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Retail trade (NACE 47). 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 dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 4 | 5 | 4 | 3 | - |
| full-time | 4 | 5 | 4 | 3 | - |
| part-time | - | 0 | 0 | 0 | - |
| in full-time equivalents | 4 | 5 | 4 | 3 | - |
| Average over the year, in full-time equivalents | 3.5 | 5.3 | 4.7 | 3.4 | 2.2 |
| On a permanent contract | 2 | 4 | 1 | 1 | - |
| Joined | 4 | 24 | 15 | 2 | 3 |
| Left | 3 | 23 | 16 | 3 | 6 |
| Training hours | 5 | 6 | 8 | 2 | 4 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1,009 | €16,796 | €45,371 | €32,886 | €12,519 |
| Financial fixed assets | - | - | €500 | - | - |
| Depreciation and write-downs of the year | €20,704 | €11,598 | €18,220 | €18,918 | €17,426 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as BCA PROJECTS: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €183,000 and €266,000, founded between 2013 and 2019.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| BCA PROJECTS Temse | 2016 | €226,633 | -€204,443 | €7,231 | -€100,113 | 2025 |
| GARAGE KAZEMI Waterloo | 2015 | €249,968 | €24,138 | €7,750 | -€18,925 | 2025 |
| Descartim Wevelgem | 2017 | €246,174 | €90,321 | €8,986 | €3,009 | 2025 |
| Legend Motors Ronse | 2019 | €189,992 | €36,750 | €5,024 | €5,882 | 2025 |
| TRIPLE ONE Wetteren | 2013 | €262,348 | €158,911 | €12,603 | -€17,200 | 2025 |
| BGC Carrosserie Kortenberg | 2014 | €183,180 | -€271,214 | €5,858 | -€56,568 | 2025 |
| Suro Cars Roeselare | 2017 | €265,582 | €51,412 | €9,790 | -€10,403 | 2025 |
They were chosen from the 5,431 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 6,907 companies had the same profile as BCA PROJECTS has now. Two years later, 5.8% had gone bankrupt and 85.5% were still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BCA PROJECTS itself: 2.6% within 12 months.
Test of the method
The method was tested on the 497,445 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 6,907 companies, not a prediction for BCA PROJECTS. 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €6,480 | €0 | €51,085 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | - | - | €98,345 | €162,639 | €147,253 | €107,905 | €83,244 | ▼ 22.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,611 | €5,816 | €20,372 | €20,704 | €11,598 | €18,220 | €18,918 | €17,426 | ▼ 7.9% |
| Other operating charges640/8 | - | - | - | €4,435 | €7,183 | €5,842 | €12,882 | €3,710 | ▼ 71.2% |
| Non-recurring operating charges66A | - | - | - | - | €1,302 | €0 | - | - | - |
| Gross operating margin9900 | €91,767 | €105,666 | €113,925 | €146,671 | €210,601 | €184,294 | €84,628 | €7,231 | ▼ 91.5% |
| Operating profit (loss)9901 | -€53,825 | €8,709 | €19,936 | €23,188 | €27,880 | €12,980 | -€55,077 | -€97,149 | ▼ 76.4% |
| Financial income75/76B | - | - | - | €990 | €5,882 | €13,738 | €1,879 | €834 | ▼ 55.6% |
| Recurring financial income75 | €77 | €859 | €1,499 | €990 | €5,882 | €4,075 | €1,879 | €834 | ▼ 55.6% |
| Non-recurring financial income76B | - | - | - | - | - | €9,663 | €0 | - | - |
| Financial charges65/66B | - | - | - | €2,036 | €2,791 | €5,162 | €2,436 | €3,419 | ▲ 40.3% |
| Recurring financial charges65 | €1,343 | €1,574 | €1,819 | €2,036 | €2,791 | €4,258 | €2,436 | €3,419 | ▲ 40.3% |
| Non-recurring financial charges66B | - | - | - | - | - | €904 | €0 | - | - |
| Profit (loss) for the period before taxes9903 | -€55,091 | €7,993 | €19,615 | €22,141 | €30,971 | €21,556 | -€55,634 | -€99,734 | ▼ 79.3% |
| Income taxes67/77 | - | €1,055 | €687 | €673 | €2,644 | €7,334 | €192 | €378 | ▲ 96.7% |
| Profit (loss) for the period9904 | -€55,091 | €6,938 | €18,928 | €21,468 | €28,326 | €14,222 | -€55,827 | -€100,113 | ▼ 79.3% |
| Profit (loss) for the period to be appropriated9905 | -€55,091 | €6,938 | €18,928 | €21,468 | €28,326 | €14,222 | -€55,827 | -€100,113 | ▼ 79.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €381,158 | €406,839 | €399,812 | €382,410 | €400,022 | €382,408 | €294,849 | €226,633 | ▼ 23.1% |
| Fixed assets21/28 | €60,686 | €85,423 | €65,051 | €45,356 | €21,041 | €45,798 | €29,017 | €24,024 | ▼ 17.2% |
| Tangible fixed assets22/27 | €60,686 | €85,423 | €65,051 | €45,356 | €21,041 | €45,298 | €28,517 | €23,524 | ▼ 17.5% |
| Plant, machinery and equipment23 | - | - | - | €859 | €14,056 | €10,316 | €7,009 | €6,283 | ▼ 10.4% |
| Furniture and vehicles24 | - | - | - | €26,876 | €1,720 | €34,982 | €19,492 | €15,581 | ▼ 20.1% |
| Leasing and similar rights25 | - | - | - | €17,621 | €5,265 | €0 | - | - | - |
| Other tangible fixed assets26 | - | - | - | - | - | - | €2,015 | €1,660 | ▼ 17.6% |
| Financial fixed assets28 | - | - | - | - | - | €500 | €500 | €500 | = |
| Current assets29/58 | €320,473 | €321,416 | €334,762 | €337,054 | €378,982 | €336,611 | €265,833 | €202,610 | ▼ 23.8% |
| Amounts receivable after more than one year29 | - | - | - | €30,990 | €163,135 | €143,356 | €51,730 | €24,464 | ▼ 52.7% |
| Other amounts receivable291 | - | - | - | €30,990 | €163,135 | €143,356 | €51,730 | €24,464 | ▼ 52.7% |
| Stocks and contracts in progress3 | €202,158 | €162,466 | - | €13,600 | €13,600 | €18,311 | €48,061 | €84,457 | ▲ 75.7% |
| Stocks30/36 | - | - | - | €13,600 | €13,600 | €18,311 | €48,061 | €84,457 | ▲ 75.7% |
| Amounts receivable within one year40/41 | €60,939 | €61,973 | €58,099 | €114,103 | €185,772 | €114,167 | €85,373 | €31,789 | ▼ 62.8% |
| Trade receivables40 | - | - | - | €114,103 | €185,772 | €114,167 | €77,020 | €23,435 | ▼ 69.6% |
| Other amounts receivable41 | - | - | - | - | - | - | €8,353 | €8,353 | = |
| Cash at bank and in hand54/58 | €21,061 | €62,733 | €248,598 | €156,836 | €3,029 | €50,957 | €78,105 | €58,771 | ▼ 24.8% |
| Deferred charges and accrued income490/1 | - | - | - | €21,525 | €13,447 | €9,820 | €2,563 | €3,129 | ▲ 22.0% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €381,158 | €406,839 | €399,812 | €382,410 | €400,022 | €382,408 | €294,849 | €226,633 | ▼ 23.1% |
| Equity10/15 | -€137,388 | -€130,450 | -€111,521 | -€90,053 | -€61,727 | -€48,504 | -€104,331 | -€204,443 | ▼ 96.0% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€155,988 | -€149,050 | -€130,121 | -€108,653 | -€80,327 | -€67,104 | -€122,931 | -€223,043 | ▼ 81.4% |
| Amounts payable17/49 | €518,546 | €537,288 | €511,334 | €472,463 | €461,749 | €430,913 | €399,180 | €431,077 | ▲ 8.0% |
| Amounts payable after more than one year17 | €450,972 | €436,948 | €429,022 | €378,907 | €330,740 | €318,981 | €262,029 | €340,751 | ▲ 30.0% |
| Financial debts170/4 | - | - | - | €378,907 | €330,740 | €318,981 | €262,029 | €340,751 | ▲ 30.0% |
| Amounts payable within one year42/48 | €67,574 | €100,340 | €82,312 | €93,556 | €131,009 | €111,931 | €137,151 | €90,326 | ▼ 34.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €50,114 | €45,416 | €60,158 | €61,952 | €75,758 | ▲ 22.3% |
| Financial debts43 | - | - | - | - | €2,657 | €4,578 | €8,326 | €3,138 | ▼ 62.3% |
| Credit institutions430/8 | - | - | - | - | €2,657 | €4,578 | €8,326 | €3,138 | ▼ 62.3% |
| Trade debts44 | €9,140 | €14,600 | €6,907 | €11,768 | €41,455 | €11,724 | €28,757 | €2,308 | ▼ 92.0% |
| Suppliers440/4 | - | - | - | €11,768 | €41,455 | €11,724 | €28,757 | €2,308 | ▼ 92.0% |
| Taxes, remuneration and social security45 | - | - | - | €29,137 | €40,934 | €34,472 | €28,116 | €9,122 | ▼ 67.6% |
| Taxes450/3 | - | - | - | €18,623 | €27,601 | €20,555 | €16,062 | €2,149 | ▼ 86.6% |
| Remuneration and social security454/9 | - | - | - | €10,514 | €13,334 | €13,917 | €12,054 | €6,973 | ▼ 42.2% |
| Other amounts payable47/48 | - | - | - | €2,537 | €546 | €1,000 | €10,000 | €0 | ▼ 100% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€55,091 | €6,938 | €18,928 | €21,468 | €28,326 | €14,222 | -€55,827 | -€100,113 | ▼ 79.3% |
| + Depreciation and write-downs630 | €25,611 | €5,816 | €20,372 | €20,704 | €11,598 | €18,220 | €18,918 | €17,426 | ▼ 7.9% |
| Operating cash flow (approximation) | -€29,481 | €12,754 | €39,300 | €42,172 | €39,924 | €32,443 | -€36,908 | -€82,687 | ▼ 124% |
| Investment in fixed assets (approximation) | - | -€30,553 | €0 | -€1,009 | €12,718 | -€42,978 | -€2,137 | -€12,433 | ▼ 482% |
| Change in cash | - | €41,673 | €185,865 | -€91,762 | -€153,807 | €47,928 | €27,148 | -€19,334 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (9)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00498299 | NBB |
| 31-12-2024 | micro format | 29-08-2025 | 2025-00433879 | |
| 31-12-2023 | micro format | 24-07-2024 | 2024-00300745 | |
| 31-12-2022 | micro format | 27-07-2023 | 2023-00299897 | |
| 31-12-2021 | micro format | 28-07-2022 | 2022-20267992 | |
| 31-12-2020 | micro format | 29-07-2021 | 2021-44100270 | |
| 31-12-2019 | micro format | 18-08-2020 | 2020-42200554 | |
| 31-12-2018 | micro format | 25-09-2019 | 2019-67100228 | |
| 31-12-2017 | micro format | 31-07-2018 | 2018-43300474 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 30-01-2024 Converted to unavailable equity
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| De Cock Charlotte |
|
| Boz Ercan |
|
Network & group
BCA PROJECTS shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of BCA PROJECTS. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
30-01
Gazette deed
Purpose · Amendment of the articles · Legal-form change · Resignations & appointments · MiscellaneousCapital conversion · Purpose change · Share issue13 points ▸
- General meeting, 29-12-2023
- Other provision, “aanpassing statuten aan WVV en behoud rechtsvorm, besloten vennootschap” (deed in Dutch)
- Capital conversion, “statutaire onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Other provision, “opheffing statutair onbeschikbare eigen vermogensrekening, opheffen” (deed in Dutch)
- Other provision, “kennisneming verslag bestuursorgaan over voorwerpswijziging, verslag van het bestuursorgaan met omstandige verantwoording van de voorgestelde wijziging van het…” (deed in Dutch)
- Purpose change
- Amendment of the articles
- Share issue, “gelijk recht per aandeel in winstverdeling, inbrengen” (deed in Dutch)
- Board composition, DE COCK Charlotte (director)
- Board composition, BOZ Ercan (director)
- Registered office clause, “Hogenakkerstraat 74,9140 Tielrode (Temse), behoud” (deed in Dutch)
- Power of attorney
- The act holds 1 more point.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0650.770.624
Financial year and general meeting
Accounts at the NBBRecognitions · licences · registrations
Food safety, FASFC
1 siteEnvironmental permits
Source: Omgevingsloket Vlaanderen.
Sites & property
2 establishment units
Buildings and parcels at the addresses
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 46026B0278/00E000 | Flanders | 6,127 m² | 1 · 351 m² | 7.0 m · 2 |
| 46025B1091/00B003indicative | Flanders | 145 m² | 1 · 45 m² | - |