BCM
ActiveSummary
BCM has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €971,420 and a net result of €55,897. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 81% of 4235 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability27▲+27
Solvency94=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65,000 at 30 days acceptable
Liquidity ample (current ratio 5.69 against 4.45 in 2024; short-term debt: 13.7% and cash: 28.8% of total assets), and 31.1% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
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
68.9%
Return on assets
4%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
243 d late
2023
21 d late
2022
92 d late
2021
87 d late
2020
146 d late
2019
119 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 101 days after 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. Usually files around 26 October (4 of the last 5 filed years within 89 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€55,897
2024 · -€337,232
Working capital
€906,015▲ 6.6%
2024 · €850,071
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€3,752▼ 97.5%€4,668▲ 24.4%-€126,480-€376,199▼ 197%-€55,906▲ 85.1%
Net result€2,395below the sector's middle half▼ 98.1%€54,650within the sector's middle half▲ 2,181%-€6,760below the sector's middle half-€337,232below the sector's middle half▼ 4,888%€55,897within the sector's middle half
Equity€1.2mabove the sector's middle half▲ 0.2%€1.3mabove the sector's middle half▲ 4.5%€1.3mabove the sector's middle half▼ 0.5%€915,523above the sector's middle half▼ 26.9%€971,420within the sector's middle half▲ 6.1%
Total assets€1.6mwithin the sector's middle half▼ 2.1%€1.5mwithin the sector's middle half▼ 1.6%€1.5mwithin the sector's middle half▼ 1.2%€1.3mwithin the sector's middle half▼ 11.7%€1.4mwithin the sector's middle half▲ 5.9%
Debt€345,458▼ 9.5%€266,437▼ 22.9%€255,468▼ 4.1%€415,848▲ 62.8%€438,291▲ 5.4%
Working capital€958,325above the sector's middle half▲ 0.3%€1.0mabove the sector's middle half▲ 9.2%€1.1mabove the sector's middle half▲ 1.8%€850,071above the sector's middle half▼ 20.2%€906,015above the sector's middle half▲ 6.6%
Solvency77.7%above the sector's middle half▲ 1.8pp82.5%above the sector's middle half▲ 4.8pp83.1%above the sector's middle half▲ 0.5pp68.8%above the sector's middle half▼ 14.3pp68.9%above the sector's middle half▲ 0.1pp
Current ratio3.86above the sector's middle half▲ 0.155.41above the sector's middle half▲ 1.565.53above the sector's middle half▲ 0.114.45above the sector's middle half▼ 1.085.69above the sector's middle half▲ 1.25
Return on assets (ROA)0.2%below the sector's middle half▼ 7.7pp3.6%within the sector's middle half▲ 3.4pp-0.4%below the sector's middle half▼ 4.0pp-25.3%below the sector's middle half▼ 24.9pp4.0%within the sector's middle half▲ 29.3pp
Staff (FTE)10.5within the sector's middle half▼ 4.5%9.7within the sector's middle half▼ 7.6%8.8within the sector's middle half▼ 9.3%9.3within the sector's middle half▲ 5.7%9.3within the sector's middle half=
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.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €55,906 in 2025 against €376,199 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€310,720 ▲ 32.3%
Current assets
€1.1m ▲ 0.2%
Equity and liabilities €1.4m
Equity
€971,420 ▲ 6.1%
Debt
€438,291 ▲ 5.4%
Debt's share of the balance-sheet total falls from 31.2% to 31.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9,941▲
2024 · -€312,354
Cash flow
€121,745▲
2024 · -€273,387
Quick ratio
4.41▲
2024 · 3.58
Debt to equity
0.45▼
2024 · 0.45
ROE
5.8%▲
2024 · -36.8%
Interest coverage
0.40▲
2024 · -16.50
Debt ≤ 1 year
€192,976▼
2024 · €246,448
Debt > 1 year
€129,129▲
2024 · €66,074
Income taxes
€954▼
2024 · €12,123
Staff costs
€583,719▲
2024 · €533,253
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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 17,027 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 | - | - | - | €4,732 | €13,580 | ▲ 187% |
| Remuneration, social security and pensions62 | €502,218 | €515,663 | €518,625 | €533,253 | €583,719 | ▲ 9.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €61,711 | €74,792 | €53,443 | €63,845 | €65,848 | ▲ 3.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €38 | - |
| Other operating charges640/8 | €14,941 | €15,190 | €13,256 | €17,188 | €17,608 | ▲ 2.4% |
| Non-recurring operating charges66A | €33,644 | €16,835 | €787 | €123,414 | €13,684 | ▼ 88.9% |
| Gross operating margin9900 | €616,266 | €627,146 | €459,632 | €361,501 | €624,990 | ▲ 72.9% |
| Operating profit (loss)9901 | €3,752 | €4,668 | -€126,480 | -€376,199 | -€55,906 | ▲ 85.1% |
| Financial income75/76B | €44,950 | €165,266 | €154,295 | €70,018 | €137,815 | ▲ 96.8% |
| Recurring financial income75 | €42,988 | €116,583 | €136,090 | €70,018 | €136,122 | ▲ 94.4% |
| Non-recurring financial income76B | €1,962 | €48,684 | €18,205 | - | €1,693 | - |
| Financial charges65/66B | €20,000 | €56,819 | €10,038 | €18,928 | €25,058 | ▲ 32.4% |
| Recurring financial charges65 | €20,000 | €56,819 | €10,038 | €18,928 | €25,058 | ▲ 32.4% |
| Profit (loss) for the period before taxes9903 | €28,702 | €113,115 | €17,777 | -€325,109 | €56,851 | ▲ 117% |
| Income taxes67/77 | €26,306 | €58,465 | €24,537 | €12,123 | €954 | ▼ 92.1% |
| Profit (loss) for the period9904 | €2,395 | €54,650 | -€6,760 | -€337,232 | €55,897 | ▲ 117% |
| Profit (loss) for the period to be appropriated9905 | €2,395 | €54,650 | -€6,760 | -€337,232 | €55,897 | ▲ 117% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.6m | €1.5m | €1.5m | €1.3m | €1.4m | ▲ 5.9% |
| Fixed assets21/28 | €256,808 | €242,126 | €207,393 | €234,852 | €310,720 | ▲ 32.3% |
| Tangible fixed assets22/27 | €240,912 | €225,649 | €182,042 | €218,900 | €297,177 | ▲ 35.8% |
| Land and buildings22 | €150,007 | €130,999 | €116,002 | €103,116 | €92,815 | ▼ 10.0% |
| Furniture and vehicles24 | €90,905 | €94,651 | €66,040 | €115,785 | €204,362 | ▲ 76.5% |
| Financial fixed assets28 | €15,896 | €16,477 | €25,351 | €15,951 | €13,543 | ▼ 15.1% |
| Current assets29/58 | €1.3m | €1.3m | €1.3m | €1.1m | €1.1m | ▲ 0.2% |
| Stocks and contracts in progress3 | €264,476 | €244,251 | €331,612 | €215,268 | €247,811 | ▲ 15.1% |
| Stocks30/36 | €264,476 | €244,251 | €331,612 | €215,268 | €247,811 | ▲ 15.1% |
| Amounts receivable within one year40/41 | €411,431 | €576,467 | €725,701 | €482,878 | €428,345 | ▼ 11.3% |
| Trade receivables40 | €374,052 | €488,679 | €600,084 | €319,526 | €217,967 | ▼ 31.8% |
| Other amounts receivable41 | €37,378 | €87,789 | €125,617 | €163,353 | €210,378 | ▲ 28.8% |
| Cash at bank and in hand54/58 | €596,468 | €461,468 | €242,465 | €384,622 | €405,960 | ▲ 5.5% |
| Deferred charges and accrued income490/1 | €21,141 | €1,639 | €1,052 | €13,751 | €16,875 | ▲ 22.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.6m | €1.5m | €1.5m | €1.3m | €1.4m | ▲ 5.9% |
| Equity10/15 | €1.2m | €1.3m | €1.3m | €915,523 | €971,420 | ▲ 6.1% |
| Contributions10/11 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Capital10 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Issued capital100 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Reserves13 | €29,327 | €29,327 | €29,327 | €29,327 | €29,327 | = |
| Non-distributable reserves130/1 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Legal reserve130 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Distributable reserves133 | €23,129 | €23,129 | €23,129 | €23,129 | €23,129 | = |
| Profit (loss) carried forward14 | €1.1m | €1.2m | €1.2m | €824,223 | €880,120 | ▲ 6.8% |
| Amounts payable17/49 | €345,458 | €266,437 | €255,468 | €415,848 | €438,291 | ▲ 5.4% |
| Amounts payable after more than one year17 | €10,268 | €29,309 | €20,161 | €66,074 | €129,129 | ▲ 95.4% |
| Financial debts170/4 | €10,268 | €29,309 | €20,161 | €66,074 | €129,129 | ▲ 95.4% |
| Amounts payable within one year42/48 | €335,190 | €237,129 | €235,306 | €246,448 | €192,976 | ▼ 21.7% |
| Current portion of amounts payable after more than one year42 | €34,834 | €26,164 | €29,967 | €38,361 | €68,191 | ▲ 77.8% |
| Trade debts44 | €95,176 | €38,947 | €26,186 | €62,593 | €6,919 | ▼ 88.9% |
| Suppliers440/4 | €95,176 | €38,947 | €26,186 | €62,593 | €6,919 | ▼ 88.9% |
| Taxes, remuneration and social security45 | €143,251 | €144,750 | €151,885 | €118,226 | €117,866 | ▼ 0.3% |
| Taxes450/3 | €93,229 | €92,375 | €92,615 | €58,700 | €51,485 | ▼ 12.3% |
| Remuneration and social security454/9 | €50,023 | €52,376 | €59,270 | €59,526 | €66,381 | ▲ 11.5% |
| Other amounts payable47/48 | €61,929 | €27,268 | €27,268 | €27,268 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €103,326 | €116,186 | ▲ 12.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,395 | €54,650 | -€6,760 | -€337,232 | €55,897 | ▲ 117% |
| + Depreciation and write-downs630 | €61,711 | €74,792 | €53,443 | €63,845 | €65,848 | ▲ 3.1% |
| Operating cash flow (approximation) | €64,107 | €129,442 | €46,683 | -€273,387 | €121,745 | ▲ 145% |
| Investment in fixed assets (approximation) | - | -€60,111 | -€18,709 | -€91,304 | -€141,716 | ▼ 55.2% |
| Change in cash | - | -€135,000 | -€219,003 | €142,157 | €21,338 | ▼ 85.0% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 243 days late
2025
31-12
Financial
Back to profitnet €55,897
Net result €55,897 after 2 loss-making years.
2024
31-12
Financial
Weakest financial yearnet -€337,232
Net result drops to -€337,232, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 92 days late
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 87 days late
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 146 days late
2020
31-12
Financial
Highest result since 2018net €124,514 ▲566%
Operating result €153,012, net result €124,514, both a record.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 119 days late
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 72 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, La Louvière · 2 establishment units since 1994
Ground area
1,692 m²
Building footprint
121 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
B C M
since 19942.067.182.143
BCM
since 20002.067.182.341
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55042A0023/00A002 | Wallonia | 956 m² | - | - |
| 55573C0352/00B015 | Wallonia | 736 m² | 1 · 121 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,238 companies in sector 47789 we hold annual accounts for 1,019. 505 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded04-06-1994
Fiscal year end31-12
Activities, NACEBEL 2025
46500Wholesale of information and communication equipment
47789Other retail sale of new goods
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0452785409
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.