BCO
ActiveBCO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €389k and a net result of €-23k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 7.49 against 5.07 in 2024; short-term debt: 1.4% and cash: 10.2% of total assets), and 19.9% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192021222425
2018 to 2025 · latest year €-23k
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 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
18 d late
2022
31 d late
2021
60 d late
2020
31 d late
2019
25 d late
2018
29 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€389k▼ 5.6%
2024 · €412k
2018: €386k
2019: €618k
2020: €613k
2021: €481k
2022: €451k
2024: €412k
2018 → 2025
Total assets
€485k▼ 7.2%
2024 · €523k
2018: €581k
2019: €814k
2020: €690k
2021: €635k
2022: €595k
2024: €523k
2018 → 2025
Net result
€-23k▼ 57.3%
2024 · €-15k
2018: €-11k
2019: €430k
2020: €-5k
2021: €-102k
2022: €-31k
2024: €-15k
2018 → 2025
Working capital
€45k▼ 18.0%
2024 · €55k
2018: €2k
2019: €401k
2020: €402k
2021: €66k
2022: €41k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€613k-€481k▼ 21.6%€451k▼ 6.2%€412k▼ 8.8%€389k▼ 5.6%
Operating result€-6k-€-37k▼ 500%€-24k▲ 36.3%€-19k▲ 20.3%€-28k▼ 44.7%
Net result€-5k-€-102k▼ 2,140%€-31k▲ 69.5%€-15k▲ 52.9%€-23k▼ 57.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2025 against €19k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €485k
Fixed assets
€434k▼ 4.7%
Current assets
€52k▼ 24.0%
Equity and liabilities €485k
Equity
€389k▼ 5.6%
Provisions
€89k▼ 4.8%
Debt
€8k▼ 55.7%
The debt ratio falls from 3.5% to 1.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €15k
Cash flow
€12k▼
2024 · €20k
Solvency
80.1%▲
2024 · 78.7%
Current ratio
7.49▲
2024 · 5.07
Quick ratio
7.49▲
2024 · 5.07
Debt / equity
0.02▼
2024 · 0.04
ROE
-5.9%▼
2024 · -3.5%
ROA
-4.7%▼
2024 · -2.8%
Interest coverage
35.77▼
2024 · 92.06
Debt
€8k▼
2024 · €18k
Debt ≤ 1 year
€7k▼
2024 · €13k
Debt > 1 year
€1k▼
2024 · €4k
Income taxes
€134▼
2024 · €214
Staff costs
€415
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€523k€485k▼
Fixed assets21/28€455k€434k▼
Tangible fixed assets22/27€455k€434k▼
Land and buildings22€365k€351k▼
Furniture and vehicles24€30k€17k▼
Other tangible fixed assets26€60k€65k▲
Current assets29/58€68k€52k▼
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€2k€1k▼
Cash at bank and in hand54/58€66k€50k▼
Deferred charges and accrued income490/1-€700
Equity and liabilities
Total equity and liabilities10/49€523k€485k▼
Equity10/15€412k€389k▼
Contributions10/11€79k€79k=
Capital10€79k-
Issued capital100€79k-
Reserves13€392k€379k▼
Tax-exempt reserves132€279k€266k▼
Distributable reserves133€113k€113k=
Profit (loss) carried forward14€-60k€-69k▼
Provisions and deferred taxes16€93k€89k▼
Deferred taxes168€93k€89k▼
Amounts payable17/49€18k€8k▼
Amounts payable after more than one year17€4k€1k▼
Other amounts payable178/9€4k€1k▼
Amounts payable within one year42/48€13k€7k▼
Trade debts44€102€66▼
Suppliers440/4€102€66▼
Taxes, remuneration and social security45€2k€347▼
Taxes450/3€2k€347▼
Other amounts payable47/48€11k€6k▼
Accrued charges and deferred income492/3€816-
Income statement
Code20242025
Remuneration, social security and pensions62-€415
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€35k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€19k€13k▼
Operating profit (loss)9901€-19k€-28k▼
Financial income75/76B€361€423▲
Recurring financial income75€288€423▲
Non-recurring financial income76B€73-
Financial charges65/66B€168€222▲
Recurring financial charges65€168€222▲
Profit (loss) for the period before taxes9903€-19k€-27k▼
Transfer from deferred taxes780€4k€4k▲
Income taxes67/77€214€134▼
Profit (loss) for the period9904€-15k€-23k▼
Transfer from tax-exempt reserves789€13k€13k▲
Profit (loss) for the period to be appropriated9905€-1k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-60k€-69k▼
Profit (loss) brought forward from the previous period14P€-59k€-60k▼
The notes to these accounts (5 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 5.07
Current ratio from 2.05 to 5.07; short-term debt falls from €39k to €13k.
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Weakest financial yearnet €-102k
Net result drops to €-102k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity times 10current ratio 41.84
Current ratio from 4.16 to 41.84; short-term debt falls from €127k to €10k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Back to profitnet €430k
Net result €430k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 4.16
Current ratio from 1.01 to 4.16.
31-12
Financial
Equity above €500kEq €618k ▲59.9%
Equity rises from €386k to €618k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
16-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 47 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
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, Visé · 1 establishment unit since 2003
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 l'Oseraie(RIC) 194600 ViséGround area
698 m²
Building footprint
152 m²
Volume, LiDAR
801 m³
Parcel 62085A0045/00T000, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Oseraie(RIC) 19, 4600 Visé
since 20032.227.912.925
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62085A0045/00T000 | Wallonia | 698 m² | 1 · 152 m² | 6.6 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.
Similar companies · same sector, comparable size
VILINARE
BE 0450.242.029
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MARC
BE 0425.267.893
Izegem · Eq €390k
Bureau d'etudes financières
BE 0412.078.665
Nivelles · Eq €387k
NIJSTEN BELASTINGADVISEURS
BE 0763.998.625
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TW-Advisory
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Deinze · Eq €386k
Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 770 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-1989
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.