BCL CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of BCL CONCEPT is 12.9% (high). For BCL CONCEPT, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (-€75,538) and a net result of €51,582. Equity is shrinking by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 87 sector peers (fiscal year 2023). The company has been active since 2017 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: High
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability100▲+81
Solvency0=
Growth55=
Track record92
Bankruptcy probability, 12 months
12.9%
High
0%0.5%1.5%4%10%≥ 25%
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Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 53
Relative position
BE, all sectors
reference
Postal and courier activities (NACE 53)
about 277% more bankruptcies
← 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 2023Solvency, return and age of the figures
Solvency
-353.3%
Return on assets
241.3%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 6 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline27-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 16-12-2024, 138 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
138 d late
2022
434 d late
2021
799 d late
2020
207 d late
2019
208 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 357 days after the deadline; the sector median for financial year 2024 is 12 days after the deadline, and 56% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
History
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Financials · fiscal year 2023, full schema
Turnover
€54,109▲ 4.6%
2018 · €51,722
EBIT margin
-73.5%▼ 3.8pp
2018 · -69.8%
Net result
€51,582
2022 · -€3,759
Working capital
-€17,785▲ 73.6%
2022 · -€67,379
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 53, Postal and courier activities, 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
Line20192020202120222023
Turnover€54,109▲ 4.6%
Operating result-€39,781▼ 10.3%-€46,787▼ 17.6%€1,602€3,349▲ 109%€54,204▲ 1,518%
Net result-€43,567▼ 8.2%-€49,156below the sector's middle half▼ 12.8%-€1,860below the sector's middle half▲ 96.2%-€3,759below the sector's middle half▼ 102%€51,582within the sector's middle half
EBIT margin-73.5%▼ 3.8pp
Equity-€72,346▼ 234%-€121,502below the sector's middle half▼ 67.9%-€123,362below the sector's middle half▼ 1.5%-€127,120below the sector's middle half▼ 3.0%-€75,538below the sector's middle half▲ 40.6%
Total assets€107,668▼ 2.0%€99,584within the sector's middle half▼ 7.5%€40,340below the sector's middle half▼ 59.5%€50,392below the sector's middle half▲ 24.9%€21,381below the sector's middle half▼ 57.6%
Debt€180,013▲ 36.9%€221,086▲ 22.8%€163,702▼ 26.0%€177,512▲ 8.4%€96,919▼ 45.4%
Working capital-€67,029-€120,184▼ 79.3%-€149,174▼ 24.1%-€67,379▲ 54.8%-€17,785▲ 73.6%
Solvency-67.2%▼ 47.5pp-122.0%below the sector's middle half▼ 54.8pp-305.8%below the sector's middle half▼ 183.8pp-252.3%below the sector's middle half▲ 53.5pp-353.3%below the sector's middle half▼ 101.0pp
above
within
below
the middle half (P25 to P75) of NACE 53, Postal and courier activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2020 the operating result has climbed three years in a row; 2023 is 1,518% above 2022 and is the highest result in the available series.
Key figures and ratios
Current ratio
0.55▲
2022 · 0.07
Debt to equity
-1.28▲
2022 · -1.40
ROA
241.3%▲
2022 · -7.5%
Debt ≤ 1 year
€39,166▼
2022 · €72,137
Debt > 1 year
€57,753▼
2022 · €105,375
Staff costs
€3,232▼
2022 · €32,899
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €54,109 | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | €28,020 | €32,899 | €3,232 | ▼ 90.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,251 | €8,532 | - | - | - | - |
| Other operating charges640/8 | - | - | €3,155 | €3,572 | €3,690 | ▲ 3.3% |
| Gross operating margin9900 | -€30,026 | -€37,474 | €32,777 | €39,820 | €61,126 | ▲ 53.5% |
| Operating profit (loss)9901 | -€39,781 | -€46,787 | €1,602 | €3,349 | €54,204 | ▲ 1,518% |
| Financial charges65/66B | - | - | €3,461 | €7,109 | €2,622 | ▼ 63.1% |
| Recurring financial charges65 | €3,786 | €2,369 | €3,461 | €7,109 | €2,622 | ▼ 63.1% |
| Profit (loss) for the period before taxes9903 | -€43,567 | -€49,156 | -€1,860 | -€3,759 | €51,582 | ▲ 1,472% |
| Profit (loss) for the period9904 | -€43,567 | -€49,156 | -€1,860 | -€3,759 | €51,582 | ▲ 1,472% |
| Profit (loss) for the period to be appropriated9905 | -€43,567 | -€49,156 | -€1,860 | -€3,759 | €51,582 | ▲ 1,472% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €107,668 | €99,584 | €40,340 | €50,392 | €21,381 | ▼ 57.6% |
| Fixed assets21/28 | €96,949 | €93,704 | €25,812 | €45,634 | - | - |
| Tangible fixed assets22/27 | €96,949 | €93,704 | €25,812 | €45,634 | - | - |
| Land and buildings22 | - | - | €25,812 | €45,634 | - | - |
| Current assets29/58 | €10,719 | €5,880 | €14,528 | €4,758 | €21,381 | ▲ 349% |
| Amounts receivable within one year40/41 | €7,282 | €1,411 | €13,731 | €1,680 | €12,427 | ▲ 640% |
| Trade receivables40 | - | - | €12,947 | - | €11,515 | - |
| Other amounts receivable41 | - | - | €784 | €1,680 | €912 | ▼ 45.7% |
| Cash at bank and in hand54/58 | €3,437 | €2,087 | €797 | €3,078 | €8,954 | ▲ 191% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €107,668 | €99,584 | €40,340 | €50,392 | €21,381 | ▼ 57.6% |
| Equity10/15 | -€72,346 | -€121,502 | -€123,362 | -€127,120 | -€75,538 | ▲ 40.6% |
| Contributions10/11 | €18,600 | - | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€90,946 | -€140,102 | -€141,962 | -€145,720 | -€94,138 | ▲ 35.4% |
| Amounts payable17/49 | €180,013 | €221,086 | €163,702 | €177,512 | €96,919 | ▼ 45.4% |
| Amounts payable after more than one year17 | €102,266 | €95,022 | - | €105,375 | €57,753 | ▼ 45.2% |
| Financial debts170/4 | - | - | - | €105,375 | €57,753 | ▼ 45.2% |
| Amounts payable within one year42/48 | €77,748 | €126,064 | €163,702 | €72,137 | €39,166 | ▼ 45.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €7,244 | - | - |
| Trade debts44 | €33,801 | €52,797 | €23,412 | €7,670 | €6,685 | ▼ 12.8% |
| Suppliers440/4 | - | - | €23,412 | €7,670 | €6,685 | ▼ 12.8% |
| Taxes, remuneration and social security45 | - | - | €188 | €9,654 | - | - |
| Taxes450/3 | - | - | €188 | - | - | - |
| Remuneration and social security454/9 | - | - | - | €9,654 | - | - |
| Other amounts payable47/48 | - | - | €140,102 | €47,570 | €32,481 | ▼ 31.7% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€43,567 | -€49,156 | -€1,860 | -€3,759 | €51,582 | ▲ 1,472% |
| + Depreciation and write-downs630 | €6,251 | €8,532 | - | - | - | - |
| Operating cash flow (approximation) | -€37,316 | -€40,624 | -€1,860 | -€3,759 | €51,582 | ▲ 1,472% |
| Investment in fixed assets (approximation) | - | -€5,287 | €67,892 | -€19,822 | - | - |
| Change in cash | - | -€1,350 | -€1,290 | €2,281 | €5,876 | ▲ 158% |
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
31-08
KBO administration
Address struck
Rue Bruno 35 4100 L’adresse du siège Rue Bruno 35 4100 Die Sitzadresse Rue Bruno 35 4100 Seraing
Seraing werd doorgehaald met ingang van Seraing · event 07-07-2026
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 138 days late
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 434 days late
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 799 days late
2023
31-12
Financial
Back to profitnet €51,582
Net result €51,582 after 5 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1429 days late
2022
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 207 days late
2021
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 208 days late
2020
31-12
Financial
Weakest financial yearnet -€49,156
Net result drops to -€49,156, the lowest in the series; recovery starts the following year.
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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
1 establishment unit since 2017
1 establishment unit
Establishment
since 20172.264.776.091
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector. Of 4,920 companies in sector 53200 we hold annual accounts for 1,323. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded02-06-2017
Fiscal year end31-12
Activities, NACEBEL 2025
53200Other postal and courier activities
E-invoicing
Not found in the Peppol register
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.