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Bcc Namur

Active
Private limited companyfounded 20188 yrs activeRue des Pieds d'Alouette(NN) 39, 5100 Namur, BelgiumKBO/BCE: BE 0704.894.941
Summary

The computed 12-month bankruptcy probability of Bcc Namur is 7.6% (elevated). The annual accounts of Bcc Namur for fiscal year 2024 show a net loss of 70% of the equity at the start of that year. The 2024 annual accounts show equity of €54,583 and a net result of -€128,457. Equity is growing by ~44.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 6545 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
Bcc NamurActiveChecked score 32/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of bicycles
NACE 47632NACE 47785
1 site
Size
€311,357total assets 2024
Staff
7.7 FTE
Equity
€54,583
Loss
-€128,457
Financial health
32 Weak Checked score 2024
Bankruptcy chance 12 m
7.6%
Structure
Parent
BICYCLIC GROUP · 100%
Accounts 63 d overdue1 of 7 deeds read
Why 32- Figures for FY 2024 (filed 01-07-2025)- Size: 7.7 FTE, total assets €311,357- Loss of €128,457, the second in a row (FY 2024)- Founded in 2018Show the evidence

Checked score

Score 2024
32 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 16% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 43-29
equity 17.5% of total assets
Liquidity 17-15
short-term debt 79.8% · cash 8.4%
Profitability 0-17
return on assets -41.3%
Bankruptcy probability, 12 months
7.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,898 companies)
Last 10 months 01-2026: 3.2%lowest value 02-2026: 3.2%● 0.0% vs 01-2026lowest value 03-2026: 3.2%● 0.0% vs 02-2026lowest value 04-2026: 3.5%▲ +7.7% vs 03-2026 05-2026: 3.7%▲ +7.1% vs 04-2026 06-2026: 3.6%▼ -3.8% vs 05-2026 07-2026: 3.9%▲ +9.4% vs 06-2026 08-2026: 5.0%▲ +28.3% vs 07-2026 09-2026: 5.4%▲ +7.0% vs 08-2026 10-2026: 7.6%▲ +41.1% vs 09-2026highest value
  • Figures for FY 2024 (filed 01-07-2025) raises the probability
  • Size: 7.7 FTE, total assets €311,357 raises the probability for this profile
  • Loss of €128,457, the second in a row (FY 2024) raises the probability
  • Founded in 2018 raises the probability for this profile
Credit up to €1,500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.24 against 1.88 in 2023; short-term debt: 79.8% and cash: 8.4% of total assets), and 82.5% of the assets are financed with debt.
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, micro). Better than this share of them on solvency 33%, liquidity 16%, profitability 6%, growth against the median 8%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Figures for FY 2024 (filed 01-07-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Size: 7.7 FTE, total assets €311,357
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Loss of €128,457, the second in a row (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Founded in 2018
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
192021222324
2019 to 2024 · latest year -€128,457
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 · 6 filings
Deviation from the deadline
2025
not confirmed
2024
31 d early
2023
28 d early
2022
12 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 6 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. End & cessationResignation: l'administrateur (director) · Auditor…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Weakest financial yearnet -€128,457

Key points

  • Caution: Result fell in 2024from -€4,715 to -€128,457 ▼ 2,625% View
  • Caution: Among the weakest 8% on net resultsector median €31,834 · 6,546 companies -€128,457 View
  • Caution: Accounts not fileddeadline was 31-07-2026 63 d late View
  • Controlled by BICYCLIC GROUP 100% View
  • Caution: 2 loss-making years in a rowloss fiscal year 2024 -€128,457 View
  • A director leftlatest change 11-05-2026 · 0 in office 1 left View

By topic

Financials

Fiscal year
2024
Total assets
€311,357
Loss
-€128,457
Solvency
17.5%
Total assets▼ 20.0%
Net result
20192024
Go to Financials

Timeline

Events
11
Since
2020
  1. 11-05-2026End & cessation
  2. 30-06-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of bicyclesNACE 47632
Founded
21-09-2018
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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