BCKlet
ActiveSummary
BCKlet has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121,947 and a net result of -€4,027. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 35% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability41▼-6
Solvency41▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.11 against 2.03 in 2024; short-term debt: 28.2% and cash: 0.2% of total assets), but 83.7% of the assets are financed with debt.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
4 d early
2024
22 d early
2023
30 d early
2022
6 d early
2021
33 d early
2020
38 d early
2019
4 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€121,947▼ 3.2%
2024 · €125,974
Total assets
€746,759▲ 0.9%
2024 · €739,799
Net result
-€4,027
2024 · €4,286
Working capital
€232,918▲ 0.3%
2024 · €232,264
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result€42,452▼ 40.6%€20,882▼ 50.8%€24,984▲ 19.6%€27,763▲ 11.1%€16,516▼ 40.5%
Net result€28,496above the sector's middle half▼ 48.1%€9,217within the sector's middle half▼ 67.7%€11,167within the sector's middle half▲ 21.2%€4,286within the sector's middle half▼ 61.6%-€4,027below the sector's middle half
Equity€106,236within the sector's middle half▲ 29.0%€113,853within the sector's middle half▲ 7.2%€123,354above the sector's middle half▲ 8.3%€125,974above the sector's middle half▲ 2.1%€121,947within the sector's middle half▼ 3.2%
Total assets€623,058above the sector's middle half▲ 11.4%€693,699above the sector's middle half▲ 11.3%€674,235above the sector's middle half▼ 2.8%€739,799above the sector's middle half▲ 9.7%€746,759above the sector's middle half▲ 0.9%
Debt€516,822▲ 8.3%€579,846▲ 12.2%€550,881▼ 5.0%€613,825▲ 11.4%€624,812▲ 1.8%
Working capital€121,421▲ 60.0%€139,821▲ 15.2%€140,698▲ 0.6%€232,264▲ 65.1%€232,918▲ 0.3%
Solvency17.1%within the sector's middle half▲ 2.3pp16.4%within the sector's middle half▼ 0.6pp18.3%within the sector's middle half▲ 1.9pp17.0%within the sector's middle half▼ 1.3pp16.3%within the sector's middle half▼ 0.7pp
Staff (FTE)2▲ 233%1▼ 50.0%1=1.1▲ 10.0%1.1=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 falls in 2025; 2025 is 41% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €746,759
Fixed assets
€303,590 ▲ 7.4%
Current assets
€443,168 ▼ 3.1%
Equity and liabilities €746,759
Equity
€121,947 ▼ 3.2%
Debt
€624,812 ▲ 1.8%
Debt's share of the balance-sheet total rises from 83.0% to 83.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€60,290▼
2024 · €78,951
Cash flow
€39,747▼
2024 · €55,475
Current ratio
2.11▲
2024 · 2.03
Quick ratio
0.23▼
2024 · 0.32
Debt to equity
5.12▲
2024 · 4.87
ROE
-3.3%▼
2024 · 3.4%
ROA
-0.5%▼
2024 · 0.6%
Interest coverage
2.73▼
2024 · 3.29
Debt ≤ 1 year
€210,251▼
2024 · €224,879
Debt > 1 year
€414,468▲
2024 · €388,933
Income taxes
€169▼
2024 · €1,644
Staff costs
€44,597▲
2024 · €42,464
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,550 companies that looked in July 2024 the way this one looks now, 3.9% went bankrupt within 24 months and 91% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a small loss
3.9%
went bankrupt
3.7%
stopped otherwise
91%
still going
A further 1.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,058 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% | 1.6% |
| 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 74% 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 1,550 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €11,687 | €4,691 | - | - | €10,219 | - |
| Remuneration, social security and pensions62 | €35,757 | €35,563 | €36,264 | €42,464 | €44,597 | ▲ 5.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,309 | €39,839 | €48,058 | €51,188 | €43,774 | ▼ 14.5% |
| Other operating charges640/8 | €2,626 | €2,183 | €2,589 | €2,802 | €2,827 | ▲ 0.9% |
| Gross operating margin9900 | €110,144 | €98,467 | €111,895 | €124,217 | €107,714 | ▼ 13.3% |
| Operating profit (loss)9901 | €42,452 | €20,882 | €24,984 | €27,763 | €16,516 | ▼ 40.5% |
| Financial income75/76B | €564 | €1,307 | €1,441 | €2,151 | €1,743 | ▼ 19.0% |
| Recurring financial income75 | €564 | €1,307 | €1,441 | €2,151 | €1,743 | ▼ 19.0% |
| Financial charges65/66B | €8,381 | €9,618 | €10,354 | €23,983 | €22,117 | ▼ 7.8% |
| Recurring financial charges65 | €8,381 | €9,618 | €10,354 | €23,983 | €22,117 | ▼ 7.8% |
| Profit (loss) for the period before taxes9903 | €34,635 | €12,571 | €16,071 | €5,931 | -€3,858 | ▼ 165% |
| Income taxes67/77 | €6,139 | €3,354 | €4,904 | €1,644 | €169 | ▼ 89.7% |
| Profit (loss) for the period9904 | €28,496 | €9,217 | €11,167 | €4,286 | -€4,027 | ▼ 194% |
| Profit (loss) for the period to be appropriated9905 | €28,496 | €9,217 | €11,167 | €4,286 | -€4,027 | ▼ 194% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €623,058 | €693,699 | €674,235 | €739,799 | €746,759 | ▲ 0.9% |
| Fixed assets21/28 | €341,388 | €352,833 | €314,730 | €282,656 | €303,590 | ▲ 7.4% |
| Tangible fixed assets22/27 | €341,388 | €352,833 | €314,730 | €282,656 | €303,590 | ▲ 7.4% |
| Land and buildings22 | €179,637 | €167,526 | €155,416 | €143,306 | €131,195 | ▼ 8.5% |
| Plant, machinery and equipment23 | €94,701 | €89,378 | €77,489 | €82,336 | €74,828 | ▼ 9.1% |
| Furniture and vehicles24 | €67,050 | €95,929 | €81,825 | €57,014 | €97,567 | ▲ 71.1% |
| Current assets29/58 | €281,669 | €340,866 | €359,505 | €457,143 | €443,168 | ▼ 3.1% |
| Amounts receivable after more than one year29 | - | €17,500 | €18,838 | €19,793 | - | - |
| Other amounts receivable291 | - | €17,500 | €18,838 | €19,793 | - | - |
| Stocks and contracts in progress3 | €240,022 | €274,790 | €304,911 | €384,328 | €395,795 | ▲ 3.0% |
| Stocks30/36 | €240,022 | €274,790 | €304,911 | €384,328 | €395,795 | ▲ 3.0% |
| Amounts receivable within one year40/41 | €11,386 | €15,287 | €33,438 | €48,728 | €42,730 | ▼ 12.3% |
| Trade receivables40 | €11,386 | €15,287 | €33,438 | €45,352 | €26,775 | ▼ 41.0% |
| Other amounts receivable41 | - | - | - | €3,377 | €15,955 | ▲ 372% |
| Cash at bank and in hand54/58 | €29,380 | €30,025 | - | - | €1,666 | - |
| Deferred charges and accrued income490/1 | €882 | €3,263 | €2,318 | €4,293 | €2,977 | ▼ 30.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €623,058 | €693,699 | €674,235 | €739,799 | €746,759 | ▲ 0.9% |
| Equity10/15 | €106,236 | €113,853 | €123,354 | €125,974 | €121,947 | ▼ 3.2% |
| Contributions10/11 | €45,000 | €45,000 | €45,000 | €45,000 | €45,000 | = |
| Profit (loss) carried forward14 | €61,236 | €68,853 | €78,354 | €80,974 | €76,947 | ▼ 5.0% |
| Amounts payable17/49 | €516,822 | €579,846 | €550,881 | €613,825 | €624,812 | ▲ 1.8% |
| Amounts payable after more than one year17 | €356,574 | €378,788 | €332,061 | €388,933 | €414,468 | ▲ 6.6% |
| Financial debts170/4 | €356,574 | €378,788 | €332,061 | €388,933 | €414,468 | ▲ 6.6% |
| Amounts payable within one year42/48 | €160,248 | €201,045 | €218,807 | €224,879 | €210,251 | ▼ 6.5% |
| Current portion of amounts payable after more than one year42 | €35,793 | €44,487 | €34,440 | €34,287 | €34,584 | ▲ 0.9% |
| Financial debts43 | - | - | €8,106 | €16,180 | €17,478 | ▲ 8.0% |
| Credit institutions430/8 | - | - | €8,106 | €16,180 | €17,478 | ▲ 8.0% |
| Trade debts44 | €94,919 | €130,252 | €129,976 | €149,529 | €140,307 | ▼ 6.2% |
| Suppliers440/4 | €94,919 | €130,252 | €129,976 | €149,529 | €140,307 | ▼ 6.2% |
| Advances received on contracts in progress46 | €100 | €1,982 | €50 | €5,450 | €4,988 | ▼ 8.5% |
| Taxes, remuneration and social security45 | €20,447 | €22,282 | €29,783 | €16,887 | €11,548 | ▼ 31.6% |
| Taxes450/3 | €16,335 | €14,221 | €20,959 | €5,920 | €1,681 | ▼ 71.6% |
| Remuneration and social security454/9 | €4,112 | €8,061 | €8,824 | €10,967 | €9,867 | ▼ 10.0% |
| Other amounts payable47/48 | €8,990 | €2,042 | €16,452 | €2,546 | €1,345 | ▼ 47.2% |
| Accrued charges and deferred income492/3 | - | €12 | €13 | €14 | €94 | ▲ 594% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,496 | €9,217 | €11,167 | €4,286 | -€4,027 | ▼ 194% |
| + Depreciation and write-downs630 | €29,309 | €39,839 | €48,058 | €51,188 | €43,774 | ▼ 14.5% |
| Operating cash flow (approximation) | €57,805 | €49,056 | €59,225 | €55,475 | €39,747 | ▼ 28.4% |
| Investment in fixed assets (approximation) | - | -€51,284 | -€9,954 | -€19,115 | -€64,708 | ▼ 239% |
| Change in cash | - | €646 | - | - | - | - |
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
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€4,027
Net result drops to -€4,027, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €106,236 ▲29%
4 profitable years in a row build equity to €106,236.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €54,854 ▲1,137%
Operating result €71,492, net result €54,854, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB 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, Erpe-Mere · 1 establishment unit since 2016
Ground area
259 m²
Building footprint
252 m²
Volume, LiDAR
1,038 m³
Parcel 41040B0166/00D000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BCKlet
since 20162.258.730.320
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41040B0166/00D000indicative | Flanders | 259 m² | 1 · 251 m² | 7.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
0 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 1,465 companies in sector 47632 we hold annual accounts for 733. 634 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
Founded10-11-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47632Retail sale of bicycles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0665874217
Registered
03-06-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.