BCHD Consult
ActiveSummary
BCHD Consult has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €131,498 and a net result of €34,067. Equity is shrinking by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 56% of 11620 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability88▲+17
Solvency86▼-14
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.46 against 5.72 in 2023; short-term debt: 39.2% and cash: 0.3% of total assets), and 39.2% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-12-2025, 123 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
123 d late
2023
149 d late
2022
119 d late
2021
102 d late
2020
109 d late
2019
102 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 117 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€131,498▼ 0.7%
2023 · €132,431
Total assets
€216,226▲ 36.0%
2023 · €159,045
Net result
€34,067▲ 909%
2023 · €3,377
Working capital
€123,587▼ 1.6%
2023 · €125,615
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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€42,085▼ 31.8%€47,690▲ 13.3%€64,531▲ 35.3%€7,288▼ 88.7%€50,912▲ 599%
Net result€26,499within the sector's middle half▼ 32.2%€30,794within the sector's middle half▲ 16.2%€42,854above the sector's middle half▲ 39.2%€3,377within the sector's middle half▼ 92.1%€34,067within the sector's middle half▲ 909%
Equity€290,406above the sector's middle half▼ 9.8%€131,200within the sector's middle half▼ 54.8%€159,054above the sector's middle half▲ 21.2%€132,431within the sector's middle half▼ 16.7%€131,498within the sector's middle half▼ 0.7%
Total assets€347,892above the sector's middle half▲ 0.7%€144,563within the sector's middle half▼ 58.4%€167,818within the sector's middle half▲ 16.1%€159,045within the sector's middle half▼ 5.2%€216,226within the sector's middle half▲ 36.0%
Debt€57,486▲ 143%€13,363▼ 76.8%€8,764▼ 34.4%€26,614▲ 204%€84,728▲ 218%
Working capital€278,546above the sector's middle half▼ 9.5%€121,021above the sector's middle half▼ 56.6%€150,557above the sector's middle half▲ 24.4%€125,615above the sector's middle half▼ 16.6%€123,587above the sector's middle half▼ 1.6%
Solvency83.5%above the sector's middle half▼ 9.7pp90.8%above the sector's middle half▲ 7.3pp94.8%above the sector's middle half▲ 4.0pp83.3%above the sector's middle half▼ 11.5pp60.8%within the sector's middle half▼ 22.5pp
Current ratio5.85above the sector's middle half▼ 8.1810.06above the sector's middle half▲ 4.2118.18above the sector's middle half▲ 8.125.72above the sector's middle half▼ 12.462.46within the sector's middle half▼ 3.26
Return on assets (ROA)7.6%within the sector's middle half▼ 3.7pp21.3%within the sector's middle half▲ 13.7pp25.5%above the sector's middle half▲ 4.2pp2.1%within the sector's middle half▼ 23.4pp15.8%within the sector's middle half▲ 13.6pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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 recovers in 2024; 2024 is 599% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €216,226
Fixed assets
€7,911 ▲ 16.1%
Current assets
€208,315 ▲ 36.8%
Equity and liabilities €216,226
Equity
€131,498 ▼ 0.7%
Debt
€84,728 ▲ 218%
Debt's share of the balance-sheet total rises from 16.7% to 39.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€53,925▲
2023 · €8,969
Cash flow
€37,080▲
2023 · €5,058
Debt to equity
0.64▲
2023 · 0.20
ROE
25.9%▲
2023 · 2.6%
Interest coverage
700.32▲
2023 · 29.90
Debt ≤ 1 year
€84,728▲
2023 · €26,614
Income taxes
€17,615▲
2023 · €4,171
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,122 | €1,681 | €1,681 | €1,681 | €3,013 | ▲ 79.2% |
| Other operating charges640/8 | - | €1,604 | €1,885 | €2,063 | €1,603 | ▼ 22.3% |
| Gross operating margin9900 | €45,845 | €50,975 | €68,097 | €11,032 | €55,528 | ▲ 403% |
| Operating profit (loss)9901 | €42,085 | €47,690 | €64,531 | €7,288 | €50,912 | ▲ 599% |
| Financial income75/76B | - | - | €38 | €560 | €847 | ▲ 51.3% |
| Recurring financial income75 | €1,054 | - | €38 | €560 | €847 | ▲ 51.3% |
| Financial charges65/66B | - | €448 | €408 | €300 | €77 | ▼ 74.3% |
| Recurring financial charges65 | €455 | €448 | €408 | €300 | €77 | ▼ 74.3% |
| Profit (loss) for the period before taxes9903 | €42,684 | €47,242 | €64,161 | €7,548 | €51,682 | ▲ 585% |
| Income taxes67/77 | €16,185 | €16,448 | €21,307 | €4,171 | €17,615 | ▲ 322% |
| Profit (loss) for the period9904 | €26,499 | €30,794 | €42,854 | €3,377 | €34,067 | ▲ 909% |
| Profit (loss) for the period to be appropriated9905 | €26,499 | €30,794 | €42,854 | €3,377 | €34,067 | ▲ 909% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €347,892 | €144,563 | €167,818 | €159,045 | €216,226 | ▲ 36.0% |
| Fixed assets21/28 | €11,860 | €10,179 | €8,497 | €6,816 | €7,911 | ▲ 16.1% |
| Tangible fixed assets22/27 | €11,860 | €10,179 | €8,497 | €6,816 | €7,911 | ▲ 16.1% |
| Furniture and vehicles24 | - | - | - | - | €2,776 | - |
| Other tangible fixed assets26 | - | €10,179 | €8,497 | €6,816 | €5,135 | ▼ 24.7% |
| Current assets29/58 | €336,032 | €134,384 | €159,321 | €152,229 | €208,315 | ▲ 36.8% |
| Amounts receivable within one year40/41 | €13,339 | €13,355 | €9,212 | €5,673 | €6,045 | ▲ 6.6% |
| Trade receivables40 | - | €11,303 | €9,019 | €600 | €399 | ▼ 33.5% |
| Other amounts receivable41 | - | €2,052 | €193 | €5,073 | €5,646 | ▲ 11.3% |
| Current investments50/53 | €320,172 | €112,167 | €145,486 | €134,763 | €201,456 | ▲ 49.5% |
| Cash at bank and in hand54/58 | €2,521 | €5,312 | €1,072 | €8,242 | €611 | ▼ 92.6% |
| Deferred charges and accrued income490/1 | - | €3,550 | €3,551 | €3,551 | €203 | ▼ 94.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €347,892 | €144,563 | €167,818 | €159,045 | €216,226 | ▲ 36.0% |
| Equity10/15 | €290,406 | €131,200 | €159,054 | €132,431 | €131,498 | ▼ 0.7% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €275,860 | €121,860 | €151,860 | €125,110 | €124,110 | ▼ 0.8% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | €120,000 | €151,860 | €125,110 | €124,110 | ▼ 0.8% |
| Profit (loss) carried forward14 | €8,346 | €3,140 | €994 | €1,121 | €1,188 | ▲ 6.0% |
| Amounts payable17/49 | €57,486 | €13,363 | €8,764 | €26,614 | €84,728 | ▲ 218% |
| Amounts payable within one year42/48 | €57,486 | €13,363 | €8,764 | €26,614 | €84,728 | ▲ 218% |
| Trade debts44 | €2,446 | €3,080 | €3,070 | €8,121 | €8,018 | ▼ 1.3% |
| Suppliers440/4 | - | €3,080 | €3,070 | €8,121 | €8,018 | ▼ 1.3% |
| Advances received on contracts in progress46 | - | - | - | - | €30,135 | - |
| Taxes, remuneration and social security45 | - | €924 | €5,123 | €6,000 | €11,575 | ▲ 92.9% |
| Taxes450/3 | - | €924 | €5,123 | €6,000 | €11,575 | ▲ 92.9% |
| Other amounts payable47/48 | - | €9,359 | €571 | €12,493 | €35,000 | ▲ 180% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,499 | €30,794 | €42,854 | €3,377 | €34,067 | ▲ 909% |
| + Depreciation and write-downs630 | €2,122 | €1,681 | €1,681 | €1,681 | €3,013 | ▲ 79.2% |
| Operating cash flow (approximation) | €28,621 | €32,475 | €44,535 | €5,058 | €37,080 | ▲ 633% |
| Investment in fixed assets (approximation) | - | €0 | €1 | €0 | -€4,108 | - |
| Change in cash | - | €2,791 | -€4,240 | €7,170 | -€7,631 | ▼ 206% |
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
2026
28-09
State Gazette act
General meeting · Director appointment
Director resignation · Permanent representative
25-09
State Gazette act
General meeting · Shareholding
Director resignation · Director discharge
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 123 days late
2024
27-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 149 days late
2023
31-12
Financial
Weakest financial yearnet €3,377 ▼92.1%
Net result drops to €3,377, the lowest in the series; recovery starts the following year.
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 119 days late
2022
31-12
Financial
Highest result since 2018net €42,854 ▲39.2%
Operating result €64,531, net result €42,854, both a record.
31-12
Financial
Equity above €150,000Eq €159,054 ▲21.2%
5 profitable years in a row build equity to €159,054.
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 102 days late
2021
17-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 109 days late
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
Show earlier events
2018
15-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 76 days late
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 91 days late
2016
01-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 1 day late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Mont-Saint-Guibert · 1 establishment unit since 2005
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 André Dumont 121435 Mont-Saint-Guibert1 establishment unit
BCHD CONSULT
since 20052.146.996.614
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Of 11,577 companies in sector 71121 we hold annual accounts for 6,570. 5,246 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
Founded02-05-2005
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
71111Activities of building architects
71122Land surveying
Contact
E-mail
delruearch@skynet.beMont-Saint-Guibert
Phone
+32475685007Mont-Saint-Guibert
Phone
010/45.54.03Mont-Saint-Guibert
E-invoicing
Reachable via Peppol
Peppol ID
0208:0873588829
Also
9925:BE0873588829
Registered
28-11-2025
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.