BCL Gestion
ActiveBCL Gestion has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130k and a net result of €45k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 43% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 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
Profitability93▲+1
Solvency73▲+2
Growth85=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.87 in 2024; short-term debt: 47.4% and cash: 80% of total assets), but 52.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
47.8%
Return on assets
16.6%
Age of the figures
9 mo
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
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 30-03-2026, 123 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
123 d early
2024
64 d early
2023
79 d early
2022
80 d early
2021
72 d early
2020
73 d early
2019
22 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€332k▲ 19.6%
2024 · €277k
2018: €86k
2019: €119k
2020: €171k
2021: €258k
2022: €265k
2023: €235k
2024: €277k
2018 → 2025
EBIT margin
19.2%▼ 2.4pp
2024 · 21.7%
2018: 18.2%
2019: 3.5%
2020: 31.4%
2021: 27.4%
2022: 14.2%
2023: 7.1%
2024: 21.7%
2018 → 2025
Net result
€45k▲ 8.9%
2024 · €41k
2018: €12k
2019: €2k
2020: €38k
2021: €53k
2022: €25k
2023: €10k
2024: €41k
2018 → 2025
Working capital
€117k▲ 5.1%
2024 · €111k
2018: €8k
2019: €19k
2020: €55k
2021: €51k
2022: €61k
2023: €68k
2024: €111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€258k-€265k▲ 2.7%€235k▼ 11.5%€277k▲ 18.2%€332k▲ 19.6%
Equity€48k-€72k▲ 49.1%€81k▲ 12.1%€122k▲ 49.9%€130k▲ 6.6%
Operating result€71k-€38k▼ 46.8%€17k▼ 55.8%€60k▲ 262%€64k▲ 6.2%
Net result€53k-€25k▼ 53.4%€10k▼ 61.1%€41k▲ 331%€45k▲ 8.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €271k
Fixed assets
€26k▼ 6.7%
Current assets
€246k▲ 2.6%
Equity and liabilities €271k
Equity
€130k▲ 6.6%
Debt
€142k▼ 2.5%
The debt ratio falls from 54.5% to 52.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74k▼
2024 · €74k
Cash flow
€55k▼
2024 · €56k
Solvency
47.8%▲
2024 · 45.5%
Current ratio
1.91▲
2024 · 1.87
Quick ratio
1.91▲
2024 · 1.87
Debt / equity
1.09▼
2024 · 1.20
ROE
34.7%▲
2024 · 34.0%
ROA
16.6%▲
2024 · 15.5%
Interest coverage
52.64▲
2024 · 42.79
Debt
€142k▼
2024 · €145k
Debt ≤ 1 year
€129k▲
2024 · €128k
Debt > 1 year
€13k▼
2024 · €17k
Income taxes
€18k▲
2024 · €18k
Staff costs
€0▲
2024 · €-6
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€267k€271k▲
Fixed assets21/28€28k€26k▼
Tangible fixed assets22/27€28k€26k▼
Plant, machinery and equipment23€16k€20k▲
Furniture and vehicles24€11k€6k▼
Current assets29/58€239k€246k▲
Amounts receivable within one year40/41€52k€25k▼
Trade receivables40€45k€19k▼
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€185k€217k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€267k€271k▲
Equity10/15€122k€130k▲
Contributions10/11€6k€6k=
Reserves13€113k€120k▲
Non-distributable reserves130/1€717€717=
Reserves not available under the articles1311€717€717=
Distributable reserves133€112k€120k▲
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€145k€142k▼
Amounts payable after more than one year17€17k€13k▼
Financial debts170/4€17k€13k▼
Amounts payable within one year42/48€128k€129k▲
Current portion of amounts payable after more than one year42€8k€4k▼
Trade debts44€13k€18k▲
Suppliers440/4€13k€18k▲
Taxes, remuneration and social security45€6k€14k▲
Taxes450/3€6k€14k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€101k€92k▼
Income statement
Code20242025
Turnover70€277k€332k▲
Non-recurring operating income76A€0€1▲
Goods, raw materials, services and sundry goods60/61€219k€256k▲
Remuneration, social security and pensions62€-6€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€10k▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€153
Gross operating margin9900€77k€76k▼
Operating profit (loss)9901€60k€64k▲
Financial income75/76B€725€802▲
Recurring financial income75€725€802▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B€85-
Profit (loss) for the period before taxes9903€59k€63k▲
Income taxes67/77€18k€18k▲
Profit (loss) for the period9904€41k€45k▲
Profit (loss) for the period to be appropriated9905€41k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€48k▲
Profit (loss) brought forward from the previous period14P€3k€3k▼
Transfer to equity691/2€41k€45k▲
To other reserves6921€41k€45k▲
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
The notes to these accounts (8 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €122k ▲49.9%
7 profitable years in a row build equity to €122k.
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €53k ▲39.5%
Operating result €71k, net result €53k, both a record.
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €2k ▼81.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
09-05
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Gedinne · 1 establishment unit since 2018
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 de Charleville 195575 GedinneGround area
116 m²
Building footprint
33 m²
Volume, LiDAR
175 m³
Parcel 91054A0432/00M000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BCL Gestion
since 20182.274.229.534
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91054A0432/00M000 | Wallonia | 116 m² | 1 · 33 m² | 7.4 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.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,855 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0479532003