BCO-3
ActiveThe computed 12-month bankruptcy probability of BCO-3 is 3.0% (moderate). The annual accounts of BCO-3 for fiscal year 2025 show a net loss of 57% of total assets. The 2025 annual accounts show equity of €13k and a net result of €-12k. Its solvency ranks better than 71% of 4477 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency85▼-10
Growth32
Track record82
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.18 against 3.2 in 2024; short-term debt: 39.5% and cash: 0% of total assets), and 39.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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 2025Solvency, return and age of the figures
Solvency
60.5%
Return on assets
-56.9%
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 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
54 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
€13k▼ 48.5%
2024 · €25k
2024: €25k
2024 → 2025
Total assets
€22k▼ 40.4%
2024 · €36k
2024: €36k
2024 → 2025
Net result
€-12k
2024 · €23k
2024: €23k
2024 → 2025
Working capital
€10k▼ 58.0%
2024 · €24k
2024: €24k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€25k-€13k▼ 48.5%
Operating result€30k-€-12k
Net result€23k-€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €30k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€3k▲ 117%
Current assets
€19k▼ 46.6%
Equity and liabilities €22k
Equity
€13k▼ 48.5%
Debt
€9k▼ 21.7%
The debt ratio rises from 30.1% to 39.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-11k▼
2024 · €30k
Cash flow
€-11k▼
2024 · €24k
Solvency
60.5%▼
2024 · 69.9%
Current ratio
2.18▼
2024 · 3.20
Quick ratio
2.18▼
2024 · 3.20
Debt / equity
0.65▲
2024 · 0.43
ROE
-94.1%▼
2024 · 92.1%
ROA
-56.9%▼
2024 · 64.4%
Interest coverage
-54.24
Debt
€9k▼
2024 · €11k
Debt ≤ 1 year
€9k▼
2024 · €11k
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€36k€22k▼
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€1k€3k▲
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24-€2k
Current assets29/58€35k€19k▼
Amounts receivable within one year40/41€28k€19k▼
Trade receivables40-€9k
Other amounts receivable41€28k€9k▼
Cash at bank and in hand54/58€7k€4▼
Equity and liabilities
Total equity and liabilities10/49€36k€22k▼
Equity10/15€25k€13k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€23k€11k▼
Amounts payable17/49€11k€9k▼
Amounts payable within one year42/48€11k€9k▼
Trade debts44€3k€939▼
Suppliers440/4€3k€939▼
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€321€990▲
Gross operating margin9900€30k€-11k▼
Operating profit (loss)9901€30k€-12k▼
Financial charges65/66B-€205
Recurring financial charges65-€205
Profit (loss) for the period before taxes9903€30k€-12k▼
Income taxes67/77€6k-
Profit (loss) for the period9904€23k€-12k▼
Profit (loss) for the period to be appropriated9905€23k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€11k▼
Profit (loss) brought forward from the previous period14P-€23k
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
NBB filing
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Beersel
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.
Steenweg op Ukkel 661650 BeerselGround area
488 m²
Building footprint
110 m²
Volume, LiDAR
677 m³
Parcel 23003A0339/00T000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23003A0339/00T000 | Flanders | 488 m² | 1 · 110 m² | 10.9 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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MENEVE TUINEN
BE 0754.657.327
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BE 0779.485.961
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NOOR AUTOS
BE 0800.440.634
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Of 21,219 companies in sector 81300 we hold annual accounts for 4,363. 2,732 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2023
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.