Skip to content

BCFisc

Active Private limited companyfounded 2015active for 11 yearsRue du Valcq 12, 1420 Braine-l'AlleudKBO/BCE: BE 0597.799.122

Overview

Lifetime

10 annual accounts with figures on one time axis
peak €103,589 (2025)
€103,589▲ 13.8%
peak €71,666 (2025)
€71,666▲ 16.2%
peak €54,735 (2021)
€49,137▲ 3.5%
€132,394▼ 20.1%
Board1 name since 2015
Documentsfilings and deeds
24-12-202538 days before the deadline
2025micro format
Gross margin from €91,028 to €103,589Dividend €70,000Debts from €165,604 to €132,394

Key points

from the 2025 annual accounts

Equity

€49,137 ▲ 3.5%
47,4702024+71,666Profit-70,000Dividend49,1372025

BCFisc paid out €70,000 in dividends. That is 98% of the 2025 profit.

Debts

€132,394 73% of the balance sheet
Financial debts 6%Suppliers 5%Taxes and wages 13%Other 77%

Of this, €124,988 falls due within a year.

Filings

10 annual accounts since 2016
deadline20202025

The last five annual accounts were filed 34 to 43 days before the end of the period.

Checked score

94
Excellent
Financially stronger than 51% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1%highest value 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026

Financial strength
Strong

52+5equity 27.1% of total assets
63+1short-term debt 68.9% · cash 67.2%
100=return on assets 39.5%

Score breakdown

lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 1.28, cash €122,016
Size: total assets €181,531
Figures for financial year 2025 (filed on 24-12-2025)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 28% of them on solvency, 50% on liquidity, 82% on profitability and 45% on growth.

The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 30-06-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 5,053 companies had the same profile as BCFisc has now. Each dot stands for 13 companies, two years later.

95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 10 to 20 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of BCFisc itself is lower: < 0.1% within 12 months. It rests on far more data about BCFisc than the profile alone.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 5,053 companies, not a prediction for BCFisc. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €4,500 on 30-day terms is acceptable

Liquidity is tight, with a current ratio of 1.28 (1.2 in 2024), below the usual 1.5. Short-term debt is 68.9% and cash 67.2% of total assets. 72.9% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Liquidity: current ratio 1.28, cash €122,016
NBB · annual accounts
lowers risk · Size: total assets €181,531
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 24-12-2025)
NBB · annual accounts
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 filings
Deviation from the deadline
2025
38 days early
2024
36 days early
2023
43 days early
2022
37 days early
2021
34 days early
2020
41 days early
2019
7 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 34 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 25 December (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

BF
Director, since 01-01-2015
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0597799122
Registered office moved from Waterloo to Braine-l'Alleud New registered office: rue du Valcq 12, 1420 Braine-l’Alleud · Previous registered office: rue Noël 61, 1410 Waterloo · Change of role: BECHER Frederik Christoph, from manager to statutory director · General meeting of 21-12-2021 · Gazette deed
Incorporation published on 11-02-2015 · Gazette deed
First establishment Rue du Valcq 12, Braine-l'Alleud
All 15 events

Comparable companies

same main activity, similar in size and age
Company
BCFisc Braine-l'Alleud €181,531 €103,589 27.1% -
LF Accountants Genk €186,007 €100,721 18.5% -
VRP TAX CONSULTING Mol €172,210 €96,914 7.3% -
Boekhouding Dumon Bruges €175,232 €105,347 40.5% -
ACCOUNTANTSKANTOOR BART VERVLIET Zwalm €185,281 €110,923 43.7% -
VAN NOOTEN & PARTNERS Turnhout €173,074 €98,168 64.6% -
CPX COMPTA Uccle €201,844 €102,980 18.4% -

These companies have the same main activity as BCFisc: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €172,000 and €202,000, founded between 2014 and 2016.

Official details

Source: KBO
Status
Active since 09-02-2015Normal situation
Activity
Certified accountants and tax accountantsNACE 69201
Establishment unit
2.238.948.8521420 Braine-l'Alleud, since 09-02-2015
Financial year end
30 June
Peppol
Reachable since 05-09-2025
Company details

Annual accounts to 30-06-2025

€103,589▲ 13.8%
≈ €200,000estimated
€71,666▲ 16.2%
€49,137▲ 3.5%
€181,531▼ 14.8%
Filing
Filed on 24-12-2025, 38 days before the end of the filing period
Financials

Insights on BCFisc

BCFisc files the micro format. That format states no turnover. The gross margin rose from €13,822 in 2016 to €103,589 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 24-12-2025, 38 days before the deadline
€103,589
▲ 13.8%
€91,303
▲ 17.5%
€71,666
▲ 16.2%
€35,268
▲ 18.7%
27.1%
▲ 4.8 percentage points
1.28
▲ 0.09

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €200,000. Estimated: probably between €160,000 and €240,000.

Balance sheet

balance sheet total €181,531 on 30-06-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

27.1%

Higher than 25% of 15,828 companies in 2025.

1.28

Higher than 30% of 15,600 companies in 2025.

39.5%

Higher than 77% of 15,717 companies in 2025.

BCFisc Middle half of the sector 80% of the sector Micro accounts in legal and accounting (NACE 69)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022202120202019201820172016
Balance sheet: assets
20/58 181,531213,074173,998127,70794,07862,36252,39154,17352,10548,019
21/28 21,27531,31140,3646,1614993112,1556,4648,08013,467
22/27 21,27531,31140,3646,1614993112,1556,4648,08013,467
23 1,5852,7153,8454,974------
24 19,69028,59636,5191,1864993112,1556,4648,08013,467
29/58 160,256181,764133,634121,54793,57862,05250,23647,70844,02534,551
40/41 32,63835,24623,20714,8386,7256,1329,3487,26316,7894,325
40 32,63832,66520,09714,8386,7256,1328,6177,26316,7894,325
41 -2,5813,110---731---
54/58 122,016141,378108,789105,87585,95355,28940,79739,75427,23630,226
490/1 5,6025,1391,63883390063192692--
Balance sheet: equity and liabilities
10/49 181,531213,074173,998127,70794,07862,36252,39154,17352,10548,019
10/15 49,13747,47046,79345,96254,73534,28321,94519,85013,8646,476
10/11 25,48225,48225,48225,48213,08213,08213,08213,08213,0826,200
100 -----25,48225,48225,48225,48218,600
101 -----12,40012,40012,40012,40012,400
13 20,48020,48020,48020,48020,4804804803383914
130/1 480480480480480-----
130 -----4804803383914
1311 480480480480480-----
133 20,00020,00020,00020,00020,000-----
14 3,1751,509831-21,17420,7218,3846,430743263
17/49 132,394165,604127,20581,74539,34228,08030,44634,32238,24141,542
17 7,40613,55119,516----2,9928,06013,053
170/4 7,40613,55119,516----2,9928,06013,053
42/48 124,988152,042107,68881,74539,34228,08030,44631,33030,18028,489
42 6,1465,9655,789---2,9925,0684,9934,919
44 6,1708,8354,0993953815221,904103200746
440/4 6,1708,8354,0993953815221,904103200746
45 17,37612,24519,86025,19713,1559,9049,09311,84311,5587,169
450/3 17,37612,24519,86025,19713,1559,9049,09311,84311,5587,169
47/48 95,296124,99777,93956,15425,80617,65416,45714,31613,43015,655
492/3 -10--------
Income statement
9900 103,58991,02862,06358,80930,70719,9169,22512,6378,87413,822
630 11,00510,6889,4871,0624602,4654,3101,6165,3878,080
631/4 -1,3152,054-------
640/8 1,2821,2942,9248487154219171,1069092,553
9901 91,30377,73047,59956,89929,53217,0303,9989,9152,5773,189
75/76B 1,5361,0011240112140425314
75 1,5361,0011240112140425314
65/66B 1,4678643,002141401106174267322323
65 1,4678643,002141356106174267322323
66B ----45-----
9903 91,37277,86644,72156,75929,13217,0453,8649,6912,3092,880
67/77 19,70616,1889,89012,0438,6794,7081,7693,7041,8032,603
9904 71,66661,67734,83144,71620,45312,3372,0955,986506276
9905 71,66661,67734,83144,71620,45312,3372,0955,986506276
Appropriation of the result
9906 73,17562,50934,83165,89041,17420,7218,5256,729768276
14P 1,509831-21,174------
691/2 ----20,000-1412992514
6920 ------1412992514
6921 ----20,000-----
694/7 70,00061,00034,00065,890------
694 70,00061,00034,00065,890------
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 24-12-2025.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
30-06-2025 micro format 24-12-2025 2025-00589732 PDF
30-06-2024 micro format 26-12-2024 2024-00625253 PDF
30-06-2023 micro format 19-12-2023 2023-00530597 PDF
30-06-2022 micro format 25-12-2022 2022-20546224 PDF
30-06-2021 micro format 28-12-2021 2021-81800300 PDF
30-06-2020 micro format 21-12-2020 2020-76200382 PDF
30-06-2019 micro format 24-01-2020 2020-02200101 PDF
30-06-2018 micro format 29-01-2019 2019-02500085 PDF
30-06-2017 micro format 12-01-2018 2018-00900576 PDF
30-06-2016 full format 09-01-2017 2017-00500277 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022202120202019201820172016
102,30788,41857,08657,96129,99219,4958,30811,5317,96411,269
82,67172,36644,31845,77820,91314,8026,4047,6025,8938,357
9691,63543,6916,72364962100021,548
-19,36232,5892,91319,92230,66414,4921,04312,518-2,990-
35,26829,72125,94639,80154,23633,97219,79116,37813,8446,063
27.1%22.3%26.9%36.0%58.2%55.0%41.9%36.6%26.6%13.5%
1.281.201.241.492.382.211.651.521.461.21
2.693.492.721.780.720.821.391.732.766.41
145.9%129.9%74.4%97.3%37.4%36.0%9.5%30.2%3.6%4.3%
39.5%28.9%20.0%35.0%21.7%19.8%4.0%11.1%1.0%0.6%
69.74over 10019.02over 100------

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item30-06-202530-06-202430-06-202330-06-2022
Tangible fixed assets€969€1,635€43,691€6,723
€11,005€10,688€9,487€1,062

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on BCFisc

The operating result for 2025 is 17% higher than in 2024 and the highest since 2016. It is the second rise in a row, after the fall in 2023.

Debt's share of the balance-sheet total falls from 77.7% to 72.9%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, last change in 2021
Statutory director
since 01-01-2015 term without a fixed end
earlier manager, until 29-12-2021
listed in the 2025 annual accounts, filed on 24-12-2025

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
BECHER Frederik Christoph
Statutory director
BoardEarliermandate already running before its first mention
Mandates as a list
  • BECHER Frederik Christoph
    • Statutory director, from 01-01-2015 to date
    • Manager, until 29-12-2021

See the board, name and registered office on a given date →

Control

Capital

Contribution
€25,482
Source
2025 annual accounts

Articles of association

deed of 29-12-2021 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
“Article 8-5° Arrêté royal du 15 février 2005, un ou plusieurs administrateurs, personnes physiques ou morales, actionnaires ou non”
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Moitié cédant, moitié acquéreurs proportionnellement si plusieurs, sans recours”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of December at 18:00

Network & group

No group

BCFisc has no parent and no holdings in its annual accounts. BECHER Frederik Christoph is the only director. BCFisc shares no director with another company.

At the same address

Rue du Valcq 12, 1420 Braine-l'Alleud · 1 other company
BUREAU CF
registered office since 27-03-2018 · founded in 2018
total assets €184,668 (2025)
0692.974.631

Timeline

Timeline

15 events since 2015

Deadline for the 2026 accounts: 31-01-2027

2025
Annual accounts 2025 filed PDFmicro format · 38 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0597799122
Highest result from 2016 to 2025 net €71,666 ▲16.2% The operating result of €91,303 and the net result of €71,666 are both a record.
2024
Annual accounts 2024 filed PDFmicro format · 36 days before the deadline
2023
Annual accounts 2023 filed PDFmicro format · 43 days before the deadline
2022
Annual accounts 2022 filed PDFmicro format · 37 days before the deadline
2021
Registered office moved from Waterloo to Braine-l'AlleudNew registered office: rue du Valcq 12, 1420 Braine-l’Alleud · Previous registered office: rue Noël 61, 1410 Waterloo · Change of role: BECHER Frederik Christoph, from manager to statutory director · General meeting of 21-12-202111 points ▸
  • General meeting, 21-12-2021
  • Registered-office move, rue du Valcq 12, 1420 Braine-l’Alleud
  • Purpose change, “Les services juridiques en rapport avec les activités du professionnel; Fournir des conseils,des consultations en matière statistique,économique,financière et…” (deed in French)
  • Legal-form conversion, from private limited company (pre-2019) to private limited company
  • 137 shares
  • Director appointment, BECHER Frederik Christoph (statutory director)
  • Director resignation, BECHER Frederik Christoph (manager)
  • Director reappointment, BECHER Frederik Christoph (statutory director)
  • Director discharge, BECHER Frederik Christoph
  • Registered office clause, rue Noël 61, 1410 Waterloo
  • Registered office clause, rue du Valcq 12, 1420 Braine-l'Alleud
  • The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2021 filed PDFmicro format · 34 days before the deadline
2020
Annual accounts 2020 filed PDFmicro format · 41 days before the deadline
Annual accounts 2019 filed PDFmicro format · 7 days before the deadline
2019
Annual accounts 2018 filed PDFmicro format · 2 days before the deadline
2018
Annual accounts 2017 filed PDFmicro format · 19 days before the deadline
2017
Annual accounts 2016 filed PDFfull format · 22 days before the deadline
2015
Incorporation PDFpublished on 11-02-2015
First establishment Rue du Valcq 12, Braine-l'Alleud

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

BCFisc was incorporated on 9 February 2015.1 The registered office was moved to Braine-l'Alleud in 2021.2 Total assets rose from €52,391 in 2019 to €181,531 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 29-12-2021
  3. 3National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0597.799.122
VAT number
BE 0597.799.122
Peppol ID
0208:0597799122
Other Peppol ID
9925:BE0597799122
Legal form
Private limited company
Status
Active, normal situation
Founded
09-02-2015
Financial year
ends on 30 June
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of December at 18:00
deed of 29-12-2021 (in French)
Peppol
Reachable since 05-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
BCFisc in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 29-12-2021 (in French)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
69202 Legal and accounting activities main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Les services juridiques en rapport avec les activités du professionnel; Fournir des conseils,des consultations en matière…”
8 activities
  1. Les services juridiques en rapport avec les activités du professionnel;
  2. Fournir des conseils,des consultations en matière statistique,économique,financière et administrative;
  3. Mener toutes sortes d'études et d'activités à cet égard,à l'exception des conseils en investissement et des activités pour lesquelles une reconnaissance supplémentaire est requise et/ou qui sont réservées par la loi à d'autres professions;
  4. Fournir des conseils et une assistance en matière sociale,notamment l’accomplissement des formalités y relatives tel que le calcul des salaires;
  5. Exercer les activités d’ordre juridique et économique compatibles avec la déontologie de la profession;
  6. Exercer l’activité de syndic immobilier;
  7. Exercer la fonction de liquidateur dans d’autres sociétés;
  8. Exercer des mandats d’administrateurs dans d’autres sociétés inscrites au registre public de l’Institut (ITAA – Institute for Tax Advisors & Accounants).
deed of 29-12-2021 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue du Valcq 12 registered office 1420 Braine-l'Alleud 09-02-2015 2.238.948.852
1 former office
  • 1410 Waterloo until 01-01-2022 · deed of 29-12-2021

Buildings and parcels at the address

Ground area
1,593 m²
Buildings
149 m²
Volume, LiDAR
1,077 m³
Tallest building
9.6 m
Buildings to scale, each on its own parcel
149 m², 9.6 m 149 m², 9.6 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
25743G0069/00X0021,593 m² 1 · 149 m² 9.6 m · 3