BCL Consultancy
ActiveBCL Consultancy has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €328k and a net result of €37k. Equity is growing by ~50.3% per year across the filed fiscal years. Its solvency ranks better than 60% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-13
Solvency89▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.66 against 4.06 in 2024; short-term debt: 35.6% and cash: 13.3% of total assets), and 35.6% 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
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
Sector 71
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.4%
Return on assets
7.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
25 d late
2023
28 d late
2022
29 d late
2021
30 d late
2020
26 d late
2019
91 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€328k▼ 15.6%
2024 · €389k
2018: €-47k
2019: €-38k
2020: €3k
2021: €67k
2022: €192k
2023: €375k
2024: €389k
2018 → 2025
Total assets
€510k▲ 1.5%
2024 · €503k
2018: €105k
2019: €118k
2020: €62k
2021: €124k
2022: €249k
2023: €417k
2024: €503k
2018 → 2025
Net result
€37k▼ 58.1%
2024 · €89k
2018: €-12k
2019: €8k
2020: €41k
2021: €64k
2022: €125k
2023: €183k
2024: €89k
2018 → 2025
Working capital
€302k▼ 13.5%
2024 · €349k
2018: €-79k
2019: €-64k
2020: €-14k
2021: €4k
2022: €145k
2023: €316k
2024: €349k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€192k▲ 186%€375k▲ 95.0%€389k▲ 3.9%€328k▼ 15.6%
Operating result€99k-€185k▲ 85.7%€271k▲ 46.6%€135k▼ 50.3%€47k▼ 65.2%
Net result€64k-€125k▲ 94.4%€183k▲ 46.0%€89k▼ 51.1%€37k▼ 58.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €510k
Fixed assets
€27k▼ 33.5%
Current assets
€484k▲ 4.5%
Equity and liabilities €510k
Equity
€328k▼ 15.6%
Debt
€182k▲ 59.7%
The debt ratio rises from 22.7% to 35.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€64k▼
2024 · €153k
Cash flow
€55k▼
2024 · €107k
Solvency
64.4%▼
2024 · 77.3%
Current ratio
2.66▼
2024 · 4.06
Quick ratio
2.66▼
2024 · 4.06
Debt / equity
0.55▲
2024 · 0.29
ROE
11.4%▼
2024 · 22.9%
ROA
7.3%▼
2024 · 17.7%
Interest coverage
7.77▼
2024 · 112.74
Debt
€182k▲
2024 · €114k
Debt ≤ 1 year
€182k▲
2024 · €114k
Income taxes
€21k▼
2024 · €44k
Staff costs
€6k▼
2024 · €20k
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€503k€510k▲
Fixed assets21/28€40k€27k▼
Tangible fixed assets22/27€40k€27k▼
Land and buildings22€18k€14k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€22k€11k▼
Current assets29/58€463k€484k▲
Amounts receivable within one year40/41€102k€65k▼
Trade receivables40€87k€45k▼
Other amounts receivable41€15k€19k▲
Current investments50/53€343k€351k▲
Cash at bank and in hand54/58€18k€68k▲
Equity and liabilities
Total equity and liabilities10/49€503k€510k▲
Equity10/15€389k€328k▼
Contributions10/11€19k€19k=
Reserves13€369k€309k▼
Distributable reserves133€369k€309k▼
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€114k€182k▲
Amounts payable within one year42/48€114k€182k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€23k€21k▼
Taxes450/3€23k€21k▼
Other amounts payable47/48€85k€157k▲
Income statement
Code20242025
Remuneration, social security and pensions62€20k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€29k
Other operating charges640/8€797€1k▲
Gross operating margin9900€173k€100k▼
Operating profit (loss)9901€135k€47k▼
Financial income75/76B€97€19k▲
Recurring financial income75€97€19k▲
Financial charges65/66B€1k€8k▲
Recurring financial charges65€1k€8k▲
Profit (loss) for the period before taxes9903€133k€58k▼
Income taxes67/77€44k€21k▼
Profit (loss) for the period9904€89k€37k▼
Profit (loss) for the period to be appropriated9905€89k€37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€39k▼
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer from equity791/2-€98k
Transfer to equity691/2€89k€37k▼
To other reserves6921€89k€37k▼
Profit to be distributed694/7-€98k
Return on contributions (dividend)694-€98k
The notes to these accounts (7 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €183k ▲46%
Operating result €271k, net result €183k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 8.45
Current ratio from 3.56 to 8.45; short-term debt falls from €57k to €42k.
31-12
Financial
Equity above €200kEq €375k ▲95%
5 profitable years in a row build equity to €375k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 3.56
Current ratio from 1.08 to 3.56.
31-12
Financial
Equity above €150kEq €192k ▲186%
4 profitable years in a row build equity to €192k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Chaudfontaine · 1 establishment unit since 1998
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.
Route de l'Abbaye 304052 ChaudfontaineGround area
4,622 m²
Building footprint
128 m²
Volume, LiDAR
780 m³
Parcel 62012C0052/00K000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route de l'Abbaye 30, 4052 Chaudfontaine
since 19982.085.958.571
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012C0052/00K000 | Wallonia | 4,621 m² | 1 · 128 m² | 7.7 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845008DDF6B2CA5SC88
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Of 11,555 companies in sector 71121 we hold annual accounts for 6,562. 4,809 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-1998
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
74300Other professional, scientific and technical activities
74301Translation services
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.