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Bcc Centrale

Active
Private limited companyfounded 200520 yrs activeRue des Pieds d'Alouette(NN) 39, 5100 Namur, BelgiumKBO/BCE: BE 0878.163.269
Summary

The computed 12-month bankruptcy probability of Bcc Centrale is 5.5% (elevated). The 2024 annual accounts show negative equity (-€12,247) and a net result of -€1.9m. Equity remains stable across the filed fiscal years (±0.8% per year). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
Bcc CentraleActiveChecked score 35/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of bicycles
NACE 47632Wholesale trade NACE 46495
12 sites
Size
€17.8mturnover 2024
Staff
17.8 FTE
Equity
-€12,247
Loss
-€1.9m
Financial health
35 Weak Checked score 2024
Bankruptcy chance 12 m
5.5%
Structure
Parent
BICYCLIC GROUP · 100%
Accounts 66 d overdue0 of 12 deeds read
Why 35- Liquidity: current ratio 1.24, cash €416,304- Loss of €1.9m, the second in a row (FY 2024)- Negative equity -€12,247- Size: turnover €17.8m, 17.8 FTE, total assets €11.7mShow the evidence

Checked score

Score 2024
35 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 18% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 25-17
equity -0.1% of total assets
Liquidity 15-11
short-term debt 73.3% · cash 3.6%
Profitability 0-16
return on assets -16.7%
Bankruptcy probability, 12 months
5.5% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,688 companies)
Last 24 months 11-2024: 1.4% 12-2024: 1.4%● 0.0% vs 11-2024 01-2025: 1.4%● 0.0% vs 12-2024 02-2025: 1.4%▼ -1.7% vs 01-2025 03-2025: 1.4%▲ +1.5% vs 02-2025 04-2025: 1.5%▲ +8.5% vs 03-2025 05-2025: 2.2%▲ +50.1% vs 04-2025 06-2025: 1.3%▼ -41.4% vs 05-2025lowest value 07-2025: 1.6%▲ +21.0% vs 06-2025 08-2025: 5.2%▲ +225% vs 07-2025 09-2025: 5.2%● 0.0% vs 08-2025 10-2025: 5.2%● 0.0% vs 09-2025 11-2025: 5.2%● 0.0% vs 10-2025 12-2025: 5.2%● 0.0% vs 11-2025 01-2026: 5.2%● 0.0% vs 12-2025 02-2026: 5.1%▼ -2.5% vs 01-2026 03-2026: 5.1%▲ +1.2% vs 02-2026 04-2026: 5.1%● 0.0% vs 03-2026 05-2026: 5.2%▲ +1.7% vs 04-2026 06-2026: 5.3%▲ +1.6% vs 05-2026 07-2026: 5.4%▲ +2.9% vs 06-2026 08-2026: 5.9%▲ +7.5% vs 07-2026highest value 09-2026: 5.8%▼ -0.4% vs 08-2026 10-2026: 5.5%▼ -5.6% vs 09-2026
  • Liquidity: current ratio 1.24, cash €416,304 raises the probability
  • Loss of €1.9m, the second in a row (FY 2024) raises the probability
  • Negative equity -€12,247 raises the probability
  • Size: turnover €17.8m, 17.8 FTE, total assets €11.7m raises the probability for this profile
No credit on open account
Liquidity tight (current ratio 1.24 against 1.59 in 2023; short-term debt: 73.3% and cash: 3.6% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 10%, liquidity 13%, profitability 2%, growth against the median 47%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Liquidity: current ratio 1.24, cash €416,304
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €1.9m, the second in a row (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Negative equity -€12,247
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Size: turnover €17.8m, 17.8 FTE, total assets €11.7m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
31 d early
2023
28 d early
2022
28 d early
2021
32 d early
2020
17 d early
2019
82 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 9 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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
  1. Annual accounts filedfiscal year 2024 · unclassified…
  2. Weakest financial yearnet -€1.9m
  3. Annual accounts filedfiscal year 2023 · unclassified…

Key points

  • Risk: Negative equityfiscal year 2024: debts exceed assets -€12,247 View
  • Caution: Result fell in 2024from -€451,221 to -€1.9m ▼ 331% View
  • Caution: Accounts not fileddeadline was 31-07-2026 66 d late View
  • Controlled by BICYCLIC GROUP 100% View
  • Caution: 2 loss-making years in a rowloss fiscal year 2024 -€1.9m View

By topic

Financials

Fiscal year
2024
Turnover
€17.8m
Loss
-€1.9m
Solvency
-0.1%
Turnover▲ 21.2%
Net result
20222024
Go to Financials

Timeline

Events
13
Since
2016
  1. 30-06-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 03-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
12
Legal form
Private limited company
Activity
Retail sale of bicyclesNACE 47632
Founded
26-12-2005
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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