BCB CAFE
ActiveSummary
The computed 12-month bankruptcy probability of BCB CAFE is 5.1% (elevated). The 2025 annual accounts show negative equity (€-122k) and a net result of €-20k. Equity is shrinking by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 13305 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
13
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.03 against 0.04 in 2024; cash: 2.2% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
Return on assets
-168.4%
Age of the figures
9 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-122k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
341 d late
2023
237 d late
2022
99 d late
2021
32 d early
2020
5 d late
2019
18 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-122k▼ 20.0%
2024 · €-102k
2018: €-12k
2019: €-60k
2020: €-69k
2021: €-58k
2022: €-52k
2023: €-59k
2024: €-102k
2018 → 2025
Total assets
€12k▼ 14.3%
2024 · €14k
2018: €48k
2019: €35k
2020: €25k
2021: €30k
2022: €23k
2023: €22k
2024: €14k
2018 → 2025
Net result
€-20k▲ 52.7%
2024 · €-43k
2018: €3k
2019: €-48k
2020: €-9k
2021: €11k
2022: €6k
2023: €-7k
2024: €-43k
2018 → 2025
Working capital
€-131k▼ 16.6%
2024 · €-112k
2018: €-38k
2019: €-84k
2020: €-80k
2021: €-73k
2022: €-65k
2023: €-71k
2024: €-112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-58k-€-52k▲ 10.7%€-59k▼ 14.2%€-102k▼ 73.4%€-122k▼ 20.0%
Operating result€-7k-€6k€-7k€-42k▼ 492%€-20k▲ 52.2%
Net result€11k-€6k▼ 45.8%€-7k€-43k▼ 491%€-20k▲ 52.7%
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 €20k in 2025 against €42k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12k
Fixed assets
€8k ▼ 18.0%
Current assets
€4k ▼ 5.6%
Key figures and ratios
EBITDA
€-18k▲
2024 · €-40k
Cash flow
€-19k▲
2024 · €-41k
Current ratio
0.03▼
2024 · 0.04
Quick ratio
0.01▼
2024 · 0.01
Debt to equity
-1.10▲
2024 · -1.14
ROA
-168.4%▲
2024 · -305.2%
Interest coverage
-50.73▼
2024 · -32.91
Debt
€135k▲
2024 · €116k
Debt ≤ 1 year
€135k▲
2024 · €116k
A ratio outside any meaningful range has been withheld (balance sheet total €12k, equity €-122k).
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€14k€12k▼
Fixed assets21/28€10k€8k▼
Tangible fixed assets22/27€7k€5k▼
Land and buildings22€778€662▼
Furniture and vehicles24€455€293▼
Other tangible fixed assets26€6k€4k▼
Financial fixed assets28€3k€3k=
Current assets29/58€4k€4k▼
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€594€594=
Other amounts receivable41€594€594=
Cash at bank and in hand54/58€240€270▲
Equity and liabilities
Total equity and liabilities10/49€14k€12k▼
Equity10/15€-102k€-122k▼
Contributions10/11€20k€20k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€-123k€-144k▼
Amounts payable17/49€116k€135k▲
Amounts payable within one year42/48€116k€135k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€112k€130k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€60k€45k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€527-
Gross operating margin9900€-40k€-18k▲
Operating profit (loss)9901€-42k€-20k▲
Financial charges65/66B€1k€360▼
Recurring financial charges65€1k€360▼
Profit (loss) for the period before taxes9903€-43k€-20k▲
Profit (loss) for the period9904€-43k€-20k▲
Profit (loss) for the period to be appropriated9905€-43k€-20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-123k€-144k▼
Profit (loss) brought forward from the previous period14P€-80k€-123k▼
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 341 days late
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 237 days late
2023
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 99 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-12
Financial
Weakest financial yearnet €-48k
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
2018
07-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 38 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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.
Directors · office · real estate
Directors
6 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, Namur · 2 establishment units since 2015
Ground area
2,468 m²
Building footprint
219 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
BCB CAFE
since 20152.239.408.712
BCB CAFE
since 20172.261.771.467
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92135C0760/00K000 | Wallonia | 1,251 m² | 1 · 120 m² | - |
| 93037B0046/00H000 | Wallonia | 1,217 m² | 1 · 99 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.239.408.712
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Of 14,009 companies in sector 56301 we hold annual accounts for 4,892. 3,774 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 (pre-2019)
Founded13-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@bcbcafe.be
Phone:071/310353