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BCB EXPERT

Active
Private limited companyfounded 20242 yrs activeJules Lahayestraat 205, 1090 Jette, BelgiumKBO/BCE: BE 1012.262.108
Summary

BCB EXPERT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,625 and a net result of €21,625. Its solvency ranks better than 61% of 3505 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency87
Growth-
Track record67
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 2.44; short-term debt: 38.3% of total assets), and 38.3% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
61.7%
Return on assets
56.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-07-2026, 19 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
19 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

BCB EXPERT was incorporated on 6 August 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€23,625
Total assets
€38,301
Net result
€21,625
Working capital
€21,120

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €38,301
Fixed assets €2,505
Current assets €35,796
Equity and liabilities €38,301
Equity €23,625
Debt €14,676
Debt finances 38.3% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€31,775
Cash flow
€22,084
Current ratio
2.44
Debt to equity
0.62
ROE
91.5%
ROA
56.5%
Interest coverage
25.22
Debt ≤ 1 year
€14,676
Income taxes
€8,431

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet Code2025
Assets
Total assets20/58€38,301
Fixed assets21/28€2,505
Tangible fixed assets22/27€2,505
Plant, machinery and equipment23€980
Furniture and vehicles24€1,525
Current assets29/58€35,796
Amounts receivable within one year40/41€8,212
Trade receivables40€163
Other amounts receivable41€8,049
Deferred charges and accrued income490/1€27,584
Equity and liabilities
Total equity and liabilities10/49€38,301
Equity10/15€23,625
Contributions10/11€2,000
Reserves13€21,625
Distributable reserves133€21,625
Amounts payable17/49€14,676
Amounts payable within one year42/48€14,676
Trade debts44€2,793
Suppliers440/4€2,793
Taxes, remuneration and social security45€11,883
Taxes450/3€11,883
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€459
Other operating charges640/8€1,876
Gross operating margin9900€33,651
Operating profit (loss)9901€31,316
Financial charges65/66B€1,260
Recurring financial charges65€1,260
Profit (loss) for the period before taxes9903€30,056
Income taxes67/77€8,431
Profit (loss) for the period9904€21,625
Profit (loss) for the period to be appropriated9905€21,625
Appropriation of the result
Profit (loss) to be appropriated9906€21,625
Transfer to equity691/2€21,625
To other reserves6921€21,625

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€459
Other operating charges640/8€1,876
Gross operating margin9900€33,651
Operating profit (loss)9901€31,316
Financial charges65/66B€1,260
Recurring financial charges65€1,260
Profit (loss) for the period before taxes9903€30,056
Income taxes67/77€8,431
Profit (loss) for the period9904€21,625
Profit (loss) for the period to be appropriated9905€21,625
Line2025
Assets
Total assets20/58€38,301
Fixed assets21/28€2,505
Tangible fixed assets22/27€2,505
Plant, machinery and equipment23€980
Furniture and vehicles24€1,525
Current assets29/58€35,796
Amounts receivable within one year40/41€8,212
Trade receivables40€163
Other amounts receivable41€8,049
Deferred charges and accrued income490/1€27,584
Equity and liabilities
Total equity and liabilities10/49€38,301
Equity10/15€23,625
Contributions10/11€2,000
Reserves13€21,625
Distributable reserves133€21,625
Amounts payable17/49€14,676
Amounts payable within one year42/48€14,676
Trade debts44€2,793
Suppliers440/4€2,793
Taxes, remuneration and social security45€11,883
Taxes450/3€11,883
Line2025
Profit (loss) for the period9904€21,625
+ Depreciation and write-downs630€459
Operating cash flow (approximation)€22,084

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
12-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Jette · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
288 m²
Building footprint
259 m²
Volume, LiDAR
2,314 m³
Parcel 21463D0382/00X002, Brussels · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
8 companies at this address See who is registered here
1 establishment unit
BCB EXPERT
Jules Lahayestraat 205, 1090 JetteOther professional, scientific and technical activities
since 20242.365.435.268
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21463D0382/00X002 Brussels 288 m² 1 · 259 m² 12.7 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 4,561 companies in sector 74999 we hold annual accounts for 1,935. 1,351 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded06-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
71121Engineering and related technical consultancy, excluding land surveyors
E-invoicing
Reachable via Peppol
Peppol ID 0208:1012262108
Also 9925:BE1012262108
Registered 02-01-2026

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.