BCH Consult
ActiveThe annual accounts of BCH Consult for fiscal year 2025 show a net loss of 67% of total assets and of 66% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-5k. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 7740 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency59▼-31
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 1.11 against 2.98 in 2024; short-term debt: 65.8% and cash: 0% of total assets), and 65.8% of the assets are financed with debt.
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
34.2%
Return on assets
-66.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-04-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
30 d early
2023
64 d early
2022
95 d early
2021
164 d early
2020
147 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 66.1%
2024 · €7k
2020: €7k
2021: €7k
2022: €14k
2023: €7k
2024: €7k
2020 → 2025
Total assets
€7k▼ 36.0%
2024 · €11k
2020: €8k
2021: €8k
2022: €17k
2023: €11k
2024: €11k
2020 → 2025
Net result
€-5k
2024 · €4k
2020: €7k
2021: €5k
2022: €11k
2023: €3k
2024: €4k
2020 → 2025
Working capital
€529▼ 92.9%
2024 · €7k
2020: €7k
2021: €7k
2022: €14k
2023: €7k
2024: €7k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€14k▲ 87.9%€7k▼ 50.9%€7k▲ 4.8%€2k▼ 66.1%
Operating result€5k-€12k▲ 154%€4k▼ 68.5%€6k▲ 48.7%€-5k
Net result€5k-€11k▲ 131%€3k▼ 73.2%€4k▲ 36.4%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7k
Fixed assets
€2k
Current assets
€5k
Equity and liabilities €7k
Equity
€2k▼ 66.1%
Debt
€5k▲ 18.7%
The debt ratio rises from 35.5% to 65.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▼
2024 · €6k
Cash flow
€-5k▼
2024 · €4k
Solvency
34.2%▼
2024 · 64.5%
Current ratio
1.11▼
2024 · 2.98
Quick ratio
1.11▼
2024 · 2.98
Debt / equity
1.92▲
2024 · 0.55
ROE
-194.9%▼
2024 · 53.4%
ROA
-66.7%▼
2024 · 34.5%
Interest coverage
-70.33▼
2024 · 11.31
Debt
€5k▲
2024 · €4k
Debt ≤ 1 year
€5k▲
2024 · €4k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€11k€7k▼
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Current assets29/58€11k€5k▼
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€7k€5k▼
Other amounts receivable41€714€385▼
Cash at bank and in hand54/58€3k€1▼
Deferred charges and accrued income490/1€176-
Equity and liabilities
Total equity and liabilities10/49€11k€7k▼
Equity10/15€7k€2k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€4k€-546▼
Amounts payable17/49€4k€5k▲
Amounts payable within one year42/48€4k€5k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€209-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26€75▲
Other operating charges640/8€384€2k▲
Gross operating margin9900€6k€-3k▼
Operating profit (loss)9901€6k€-5k▼
Financial charges65/66B€518€66▼
Recurring financial charges65€518€66▼
Profit (loss) for the period before taxes9903€5k€-5k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€4k€-5k▼
Profit (loss) for the period to be appropriated9905€4k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-546▼
Profit (loss) brought forward from the previous period14P€4k€4k▲
Profit to be distributed694/7€4k-
Return on contributions (dividend)694€4k-
The notes to these accounts (5 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
2026
26-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-5k ▼224%
Net result drops to €-5k, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2020net €11k ▲131%
Operating result €12k, net result €11k, both a record.
2021
17-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
04-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Arlon · 1 establishment unit since 2019
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 du Pont-Levis 66700 ArlonGround area
186 m²
Building footprint
92 m²
Volume, LiDAR
1,510 m³
Parcel 81001A0299/00K000, Wallonia · tallest building 17.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Pont-Levis 6, 6700 Arlon
since 20192.298.752.619
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81001A0299/00K000 | Wallonia | 186 m² | 1 · 92 m² | 17.9 m · 6 fl. |
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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AURALES
BE 0424.296.014
Machelen (Brab.) · Eq €2k
BERT VAN DYCKE
BE 1024.075.421
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 2,010 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2019
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:srl.bch.consult@gmail.com