Bcc Centrale
ActiveThe computed 12-month bankruptcy probability of Bcc Centrale is 3.3% (moderate). The 2024 annual accounts show negative equity (€-12k) and a net result of €-1.95M. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 42% of 6667 sector peers (fiscal year 2021). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability33▲+30
Solvency50▲+14
Growth47▼-6
Stability100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.24 against 1.59 in 2023), and equity is negative.
Credit advice 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 · 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 2024Solvency, return and age of the figures
Solvency
-0.1%
Return on assets
-16.7%
Age of the figures
20 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 filingsDeviation 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 →
Financials · fiscal year 2024, unclassified schema
Turnover
€17.76M▲ 21.2%
2023 · €14.65M
2022: €13.85M
2023: €14.65M
2022 → 2024
EBIT margin
-9.5%▼ 7.9pp
2023 · -1.6%
2022: 0.6%
2023: -1.6%
2022 → 2024
Net result
€-1.95M▼ 331%
2023 · €-451k
2018: €228k
2019: €87k
2020: €255k
2021: €235k
2022: €120k
2023: €-451k
2018 → 2024
Working capital
€2.04M▼ 45.8%
2023 · €3.76M
2018: €2.35M
2019: €1.93M
2020: €2.03M
2021: €2.80M
2022: €4.23M
2023: €3.76M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€13.85M€14.65M▲ 5.8%€17.76M▲ 21.2%
Equity€2.10M-€2.26M▲ 7.9%€2.39M▲ 5.3%€1.93M▼ 18.9%€-12k
Operating result€252k-€164k▼ 34.9%€80k▼ 50.9%€-233k€-1.68M▼ 622%
Net result€255k-€235k▼ 7.7%€120k▼ 48.8%€-451k€-1.95M▼ 331%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1.68M in 2024 against €233k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €11.66M
Fixed assets
€1.08M▼ 14.9%
Current assets
€10.58M▲ 4.7%
Key figures and ratios
EBITDA
€-1.43M▼
2023 · €-2k
Cash flow
€-1.70M▼
2023 · €-221k
Solvency
-0.1%▼
2023 · 17.0%
Current ratio
1.24▼
2023 · 1.59
Quick ratio
0.52▲
2023 · 0.43
ROA
-16.7%▼
2023 · -4.0%
Interest coverage
-4.51▼
2023 · -0.01
Debt
€11.67M▲
2023 · €9.44M
Debt ≤ 1 year
€8.54M▲
2023 · €6.35M
Debt > 1 year
€3.12M▲
2023 · €3.09M
Income taxes
€2k▲
2023 · €778
Staff costs
€955k▲
2023 · €856k
A ratio outside any meaningful range has been withheld (balance sheet total €11.66M, equity €-12k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€11.37M€11.66M▲
Formation expenses20€0€0=
Fixed assets21/28€1.27M€1.08M▼
Intangible fixed assets21€15k€26k▲
Tangible fixed assets22/27€1.15M€945k▼
Plant, machinery and equipment23€70k€43k▼
Furniture and vehicles24€230k€173k▼
Other tangible fixed assets26€846k€729k▼
Financial fixed assets28€110k€110k=
Other financial fixed assets284/8€110k€110k=
Amounts receivable and cash guarantees285/8€110k€110k=
Current assets29/58€10.10M€10.58M▲
Amounts receivable after more than one year29-€91k
Other amounts receivable291-€91k
Stocks and contracts in progress3€7.40M€6.17M▼
Stocks30/36€7.40M€6.17M▼
Goods purchased for resale34€7.40M€6.17M▼
Amounts receivable within one year40/41€2.04M€3.71M▲
Trade receivables40€1.59M€769k▼
Other amounts receivable41€452k€2.94M▲
Current investments50/53€138k€139k▲
Other investments51/53€138k€139k▲
Cash at bank and in hand54/58€436k€416k▼
Deferred charges and accrued income490/1€84k€53k▼
Equity and liabilities
Total equity and liabilities10/49€11.37M€11.66M▲
Equity10/15€1.93M€-12k▼
Contributions10/11€65k€65k=
Profit (loss) carried forward14€1.87M€-78k▼
Amounts payable17/49€9.44M€11.67M▲
Amounts payable after more than one year17€3.09M€3.12M▲
Financial debts170/4€1.65M€1.27M▼
Credit institutions173€1.06M€1.27M▲
Other loans174€591k-
Other amounts payable178/9€1.44M€1.85M▲
Amounts payable within one year42/48€6.35M€8.54M▲
Current portion of amounts payable after more than one year42€415k€417k▲
Financial debts43€4.13M€4.13M=
Credit institutions430/8€4.13M€4.13M=
Trade debts44€1.31M€3.50M▲
Suppliers440/4€1.31M€3.50M▲
Taxes, remuneration and social security45€329k€332k▲
Taxes450/3€211k€176k▼
Remuneration and social security454/9€117k€157k▲
Other amounts payable47/48€160k€160k=
Accrued charges and deferred income492/3€9k€13k▲
Income statement
Code20232024
Operating income70/76A€15.10M€17.88M▲
Turnover70€14.65M€17.76M▲
Other operating income74€83k€109k▲
Non-recurring operating income76A€371k€6k▼
Operating charges60/66A€15.34M€19.56M▲
Goods for resale, raw materials and consumables60€12.34M€15.45M▲
Purchases600/8€10.32M€15.21M▲
Change in stocks: decrease (increase)609€2.02M€233k▼
Services and other goods61€1.90M€1.88M▼
Remuneration, social security and pensions62€856k€955k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€230k€248k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€1.00M
Other operating charges640/8€10k€29k▲
Operating profit (loss)9901€-233k€-1.68M▼
Financial income75/76B€142k€61k▼
Recurring financial income75€142k€61k▼
Income from financial fixed assets750€1k-
Income from current assets751-€667
Other financial income752/9€141k€61k▼
Financial charges65/66B€396k€325k▼
Recurring financial charges65€395k€325k▼
Debt charges650€379k€318k▼
Other financial charges652/9€16k€7k▼
Non-recurring financial charges66B€2k-
Profit (loss) for the period before taxes9903€-487k€-1.94M▼
Transfer from deferred taxes780€37k-
Income taxes67/77€778€2k▲
Taxes670/3€778€2k▲
Profit (loss) for the period9904€-451k€-1.95M▼
Transfer from tax-exempt reserves789€110k-
Profit (loss) for the period to be appropriated9905€-341k€-1.95M▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.87M€-78k▼
Profit (loss) brought forward from the previous period14P€2.21M€1.87M▼
Social balance
Average headcount (FTE)908715.317.8▲
The notes to these accounts (75 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Weakest financial yearnet €-1.95M
Net result drops to €-1.95M, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €255k ▲191%
Operating result €252k, net result €255k, both a record.
31-12
Financial
Equity above €2MEq €2.10M ▲8%
3 profitable years in a row build equity to €2.10M.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 82 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
15-05-2024
Cheffert Jean Marie Léon Ghislain: Resigned as Director
30-06-2017
Jean-Michel POISKET: Resigned as Managing director
Location & real-estate footprint
Registered office, Namur · 12 establishment units since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Pieds d'Alouette(NN) 395100 NamurGround area
8.9 ha
Building footprint
2.2 ha
Volume, LiDAR
165,848 m³
12 parcels, Brussels, Flanders, Wallonia · tallest building 38.5 m, ±10 floors. Linked by address, not a title deed.
12 establishment units
BCC Centrale
since 20062.150.698.153
Bicyclic Hognoul
since 20252.374.983.137
Bicyclic Namur
since 20252.374.983.236
Bicyclic Charleroi
since 20252.374.983.335
Bicyclic Marche
since 20252.374.983.434
Bicyclic Nivelles
since 20252.374.983.533
Show 6 more locations
Bicyclic Woluwe
since 20252.374.983.632
Bicyclic Remouchamps
since 20252.374.983.731
Bicyclic Liège
since 20252.374.983.830
Bicyclic Wavre
since 20252.374.983.929
Bicyclic Tournai
since 20252.374.984.028
Bicyclic Bruxelles
since 20252.374.985.216
12 parcels
Flanders
1
(8.3%)
Wallonia
10
(83.3%)
Brussels
1
(8.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0011/00M003 | Wallonia | 3.1 ha | 1 · 1.3 ha | 13.2 m · 3 fl. |
| 62063B0599/00B000 | Wallonia | 1.4 ha | 1 · 51 m² | 19.3 m · 6 fl. |
| 62098H1184/00A000 | Wallonia | 1.2 ha | 1 · 1,232 m² | - |
| 52016A0449/00R002 | Wallonia | 1.0 ha | - | - |
| 83034B0973/00A000 | Wallonia | 5,503 m² | 1 · 2,139 m² | - |
| 57069C0163/00R000 | Wallonia | 4,207 m² | 1 · 1,751 m² | 7.4 m · 2 fl. |
| 62006A0756/00_000 | Wallonia | 2,725 m² | 1 · 124 m² | 6.9 m · 2 fl. |
| 25006A0145/00T000 | Wallonia | 2,541 m² | 1 · 873 m² | 7.7 m · 2 fl. |
| 23078C0045/00X000 | Flanders | 2,507 m² | 1 · 353 m² | 3.3 m |
| 25782C0796/00P000 | Wallonia | 1,627 m² | 1 · 770 m² | 10.4 m · 2 fl. |
| 92067B0290/00_000 | Wallonia | 1,367 m² | 1 · 987 m² | 17.6 m · 2 fl. |
| 21806F0551/00A000 | Brussels | 1,107 m² | 1 · 1,095 m² | 38.5 m · 10 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 11
12 of 12 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
5 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Show 1 more network connections
Shared address
→
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.150.698.153
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Of 201 companies in sector 46495 we hold annual accounts for 105. 59 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2005
Fiscal year end31-12
Activities, NACEBEL
46495Wholesale trade
47632Retail sale of bicycles
46423Wholesale of clothing, excluding workwear and underwear
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
20 entriesE-mail:hognoul@bicyclic.be
Phone:04 388 00 31
E-mail:namur@bicyclic.be
Phone:081 21 70 50
E-mail:charleroi@bicyclic.be
Phone:071 82 55 00
E-mail:marche@bicyclic.be
Phone:084 41 10 27
E-mail:nivelles@bicyclic.be
E-mail:woluwe@bicyclic.be
Show 10 more contact details
Phone:02 215 47 17
E-mail:remouchamps@bicyclic.be
Phone:04 234 11 116
E-mail:liege@bicyclic.be
E-mail:wavre@bicyclic.be
Phone:010 24 59 00
E-mail:tournai@bicyclic.be
Phone:069 23 21 80
E-mail:bxl@bicyclic.be
Phone:02 537 53 63