Summary
BCD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €117,017 and a net result of €2,299. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 9872 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 9872 sector peers (2024).
NBB · sector comparisonPosition among 9872 sector peers
Solvency
better than 21%
← weakest
strongest →
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 18-06-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
43 d early
2023
29 d early
2022
28 d early
2021
39 d early
2020
32 d early
2019
28 d early
← 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 33 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€117,017▲ 2.0%
2023 · €114,717
Net result
€2,299▼ 69.1%
2023 · €7,435
Total assets
€612,856▼ 4.0%
2023 · €638,457
Solvency
19.1%▲ 1.1pp
2023 · 18.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€23,517▼ 39.1%€38,885▲ 65.4%€34,171▼ 12.1%€25,385▼ 25.7%€18,873▼ 25.7%
Net result€1,425below the sector's middle half▼ 90.9%€17,947within the sector's middle half▲ 1,159%€14,668within the sector's middle half▼ 18.3%€7,435within the sector's middle half▼ 49.3%€2,299below the sector's middle half▼ 69.1%
Equity€74,667within the sector's middle half▲ 1.9%€92,614within the sector's middle half▲ 24.0%€107,282within the sector's middle half▲ 15.8%€114,717within the sector's middle half▲ 6.9%€117,017within the sector's middle half▲ 2.0%
Total assets€676,669within the sector's middle half▼ 0.8%€664,203within the sector's middle half▼ 1.8%€653,195within the sector's middle half▼ 1.7%€638,457within the sector's middle half▼ 2.3%€612,856within the sector's middle half▼ 4.0%
Debt€602,003▼ 1.2%€571,589▼ 5.1%€545,912▼ 4.5%€523,740▼ 4.1%€495,839▼ 5.3%
Working capital-€175,926below the sector's middle half▲ 5.9%-€173,920below the sector's middle half▲ 1.1%-€176,850below the sector's middle half▼ 1.7%-€188,592below the sector's middle half▼ 6.6%-€207,334below the sector's middle half▼ 9.9%
Solvency11.0%below the sector's middle half▲ 0.3pp13.9%below the sector's middle half▲ 2.9pp16.4%below the sector's middle half▲ 2.5pp18.0%below the sector's middle half▲ 1.5pp19.1%below the sector's middle half▲ 1.1pp
Current ratio0.15below the sector's middle half▲ 0.050.17below the sector's middle half▲ 0.020.19below the sector's middle half▲ 0.020.18below the sector's middle half=0.13below the sector's middle half▼ 0.05
Return on assets (ROA)0.2%below the sector's middle half▼ 2.1pp2.7%within the sector's middle half▲ 2.5pp2.2%within the sector's middle half▼ 0.5pp1.2%within the sector's middle half▼ 1.1pp0.4%below the sector's middle half▼ 0.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 26% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €612,856
Fixed assets
€580,600 ▼ 2.7%
Current assets
€32,256 ▼ 22.7%
Equity and liabilities €612,856
Equity
€117,017 ▲ 2.0%
Debt
€495,839 ▼ 5.3%
Debt's share of the balance-sheet total falls from 82.0% to 80.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.0%▼
2023 · 6.5%
Debt ≤ 1 year
€239,589▲
2023 · €230,310
Debt > 1 year
€255,119▼
2023 · €292,300
Income taxes
€361▲
2023 · €45
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,333 | €16,049 | €16,049 | €16,139 | €16,139 | = |
| Other operating charges640/8 | - | €4,005 | €3,707 | €4,166 | €4,623 | ▲ 11.0% |
| Gross operating margin9900 | €43,748 | €58,940 | €53,927 | €45,689 | €39,635 | ▼ 13.3% |
| Operating profit (loss)9901 | €23,517 | €38,885 | €34,171 | €25,385 | €18,873 | ▼ 25.7% |
| Financial income75/76B | - | €110 | €0 | €0 | €51 | ▲ 508,500% |
| Recurring financial income75 | - | €110 | €0 | €0 | €51 | ▲ 508,500% |
| Financial charges65/66B | - | €21,048 | €19,503 | €17,904 | €16,264 | ▼ 9.2% |
| Recurring financial charges65 | €22,091 | €21,048 | €19,503 | €17,904 | €16,264 | ▼ 9.2% |
| Profit (loss) for the period before taxes9903 | €1,425 | €17,947 | €14,668 | €7,480 | €2,660 | ▼ 64.4% |
| Income taxes67/77 | - | - | - | €45 | €361 | ▲ 699% |
| Profit (loss) for the period9904 | €1,425 | €17,947 | €14,668 | €7,435 | €2,299 | ▼ 69.1% |
| Profit (loss) for the period to be appropriated9905 | €1,425 | €17,947 | €14,668 | €7,435 | €2,299 | ▼ 69.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €676,669 | €664,203 | €653,195 | €638,457 | €612,856 | ▼ 4.0% |
| Fixed assets21/28 | €644,975 | €628,926 | €612,877 | €596,739 | €580,600 | ▼ 2.7% |
| Tangible fixed assets22/27 | €644,975 | €628,926 | €612,877 | €596,739 | €580,600 | ▼ 2.7% |
| Land and buildings22 | - | €628,926 | €612,877 | €596,739 | €580,600 | ▼ 2.7% |
| Current assets29/58 | €31,694 | €35,277 | €40,318 | €41,719 | €32,256 | ▼ 22.7% |
| Amounts receivable within one year40/41 | €28,115 | €34,652 | €38,787 | €35,610 | €29,363 | ▼ 17.5% |
| Trade receivables40 | - | €33,897 | €38,787 | €35,553 | €29,363 | ▼ 17.4% |
| Other amounts receivable41 | - | €755 | €0 | €57 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €3,550 | €596 | €1,531 | €4,603 | €1,456 | ▼ 68.4% |
| Deferred charges and accrued income490/1 | - | €30 | €0 | €1,506 | €1,437 | ▼ 4.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €676,669 | €664,203 | €653,195 | €638,457 | €612,856 | ▼ 4.0% |
| Equity10/15 | €74,667 | €92,614 | €107,282 | €114,717 | €117,017 | ▲ 2.0% |
| Contributions10/11 | - | €210,000 | €210,000 | €210,000 | €210,000 | = |
| Profit (loss) carried forward14 | -€135,333 | -€117,386 | -€102,718 | -€95,283 | -€92,983 | ▲ 2.4% |
| Amounts payable17/49 | €602,003 | €571,589 | €545,912 | €523,740 | €495,839 | ▼ 5.3% |
| Amounts payable after more than one year17 | €393,325 | €361,316 | €327,669 | €292,300 | €255,119 | ▼ 12.7% |
| Financial debts170/4 | - | €361,316 | €327,669 | €292,300 | €255,119 | ▼ 12.7% |
| Amounts payable within one year42/48 | €207,620 | €209,197 | €217,167 | €230,310 | €239,589 | ▲ 4.0% |
| Current portion of amounts payable after more than one year42 | - | €32,008 | €33,647 | €35,369 | €37,180 | ▲ 5.1% |
| Trade debts44 | €666 | €786 | €580 | €1,700 | €1,464 | ▼ 13.8% |
| Suppliers440/4 | - | €786 | €580 | €1,700 | €1,464 | ▼ 13.8% |
| Taxes, remuneration and social security45 | - | €0 | €828 | €212 | €984 | ▲ 363% |
| Taxes450/3 | - | €0 | €828 | €212 | €984 | ▲ 363% |
| Other amounts payable47/48 | - | €176,402 | €182,113 | €193,028 | €199,961 | ▲ 3.6% |
| Accrued charges and deferred income492/3 | - | €1,076 | €1,076 | €1,130 | €1,130 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,425 | €17,947 | €14,668 | €7,435 | €2,299 | ▼ 69.1% |
| + Depreciation and write-downs630 | €16,333 | €16,049 | €16,049 | €16,139 | €16,139 | = |
| Operating cash flow (approximation) | €17,758 | €33,996 | €30,717 | €23,574 | €18,438 | ▼ 21.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€2,955 | €935 | €3,072 | -€3,146 | ▼ 202% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100,000Eq €107,282 ▲15.8%
5 profitable years in a row build equity to €107,282.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €17,947 ▲1,159%
Operating result €38,885, net result €17,947, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €1,425 ▼90.9%
Net result drops to €1,425, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 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.
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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, Knokke-Heist · 1 establishment unit since 2010
Ground area
503 m²
Building footprint
426 m²
Volume, LiDAR
6,844 m³
Parcel 31013C0404/00A000, Flanders · tallest building 24.0 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
BCD
since 20102.186.605.672
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013C0404/00A000 | Flanders | 503 m² | 1 · 426 m² | 24.0 m · 5 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 12,695 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
Founded02-03-2010
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0823567810
Also
9925:BE0823567810
Registered
02-09-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.