BCFisc
ActiveSummary
BCFisc has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €72k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency52▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.2 in 2024; short-term debt: 68.9% and cash: 67.2% of total assets), and 72.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
27.1%
Return on assets
39.5%
Age of the figures
15 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-12-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
36 d early
2023
43 d early
2022
37 d early
2021
34 d early
2020
41 d early
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k▲ 3.5%
2024 · €47k
2019: €22k
2020: €34k
2021: €55k
2022: €46k
2023: €47k
2024: €47k
2019 → 2025
Total assets
€182k▼ 14.8%
2024 · €213k
2019: €52k
2020: €62k
2021: €94k
2022: €128k
2023: €174k
2024: €213k
2019 → 2025
Net result
€72k▲ 16.2%
2024 · €62k
2019: €2k
2020: €12k
2021: €20k
2022: €45k
2023: €35k
2024: €62k
2019 → 2025
Working capital
€35k▲ 18.7%
2024 · €30k
2019: €20k
2020: €34k
2021: €54k
2022: €40k
2023: €26k
2024: €30k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€46k▼ 16.0%€47k▲ 1.8%€47k▲ 1.4%€49k▲ 3.5%
Operating result€30k-€57k▲ 92.7%€48k▼ 16.3%€78k▲ 63.3%€91k▲ 17.5%
Net result€20k-€45k▲ 119%€35k▼ 22.1%€62k▲ 77.1%€72k▲ 16.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€21k ▼ 32.1%
Current assets
€160k ▼ 11.8%
Equity and liabilities €182k
Equity
€49k ▲ 3.5%
Debt
€132k ▼ 20.1%
Debt's share of the balance-sheet total falls from 77.7% to 72.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€102k▲
2024 · €88k
Cash flow
€83k▲
2024 · €72k
Current ratio
1.28▲
2024 · 1.20
Debt to equity
2.69▼
2024 · 3.49
ROE
145.9%▲
2024 · 129.9%
ROA
39.5%▲
2024 · 28.9%
Interest coverage
69.74▼
2024 · 102.30
Debt ≤ 1 year
€125k▼
2024 · €152k
Debt > 1 year
€7k▼
2024 · €14k
Income taxes
€20k▲
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€213k€182k▼
Fixed assets21/28€31k€21k▼
Tangible fixed assets22/27€31k€21k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€29k€20k▼
Current assets29/58€182k€160k▼
Amounts receivable within one year40/41€35k€33k▼
Trade receivables40€33k€33k▼
Other amounts receivable41€3k-
Cash at bank and in hand54/58€141k€122k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€213k€182k▼
Equity10/15€47k€49k▲
Contributions10/11€25k€25k=
Reserves13€20k€20k=
Non-distributable reserves130/1€480€480=
Reserves not available under the articles1311€480€480=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€166k€132k▼
Amounts payable after more than one year17€14k€7k▼
Financial debts170/4€14k€7k▼
Amounts payable within one year42/48€152k€125k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€12k€17k▲
Taxes450/3€12k€17k▲
Other amounts payable47/48€125k€95k▼
Accrued charges and deferred income492/3€10-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k-
Other operating charges640/8€1k€1k▼
Gross operating margin9900€91k€104k▲
Operating profit (loss)9901€78k€91k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€864€1k▲
Recurring financial charges65€864€1k▲
Profit (loss) for the period before taxes9903€78k€91k▲
Income taxes67/77€16k€20k▲
Profit (loss) for the period9904€62k€72k▲
Profit (loss) for the period to be appropriated9905€62k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€73k▲
Profit (loss) brought forward from the previous period14P€831€2k▲
Profit to be distributed694/7€61k€70k▲
Return on contributions (dividend)694€61k€70k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €72k ▲16.2%
Operating result €91k, net result €72k, both a record.
2024
26-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Braine-l'Alleud · 1 establishment unit since 2015
Ground area
1,593 m²
Building footprint
149 m²
Parcel 25743G0069/00X002, Wallonia. Linked by address, not a title deed.
1 establishment unit
BCFISC
since 20152.238.948.852
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25743G0069/00X002 | Wallonia | 1,593 m² | 1 · 149 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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MAK'S FISCAL & CONSULT
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SOROBAN CONSULTING
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Blyweert Consultancy
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,915 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2015
Fiscal year end30-06
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.