Turnover
≈ €330,000 estimated
The micro format states no turnover.
BCOG
Overview
Lifetime
1 annual account with figurespeak €132,547 (2025)
€132,547
peak €80,184 (2025)
€80,184
peak €45,184 (2025)
€45,184
€62,990
Board1 name since 2024
1 directorBanioi-Crîjman Otilia
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Dividend €40,000First year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000
2025 accounts filed 28 days after the deadline
Checked score
86
Excellent
Financially stronger than 66% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 2.4%
02-2026: 2.4%● unchanged vs 01-2026
03-2026: 2.5%▲ +0.1 percentage points vs 02-2026
04-2026: 2.9%▲ +0.4 percentage points vs 03-2026
05-2026: 3.0%▲ +0.1 percentage points vs 04-2026
06-2026: 3.3%▲ +0.3 percentage points vs 05-2026
07-2026: 3.3%● unchanged vs 06-2026
08-2026: 3.6%▲ +0.3 percentage points vs 07-2026highest value
09-2026: 0.4%▼ -3.2 percentage points vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Last filed accounts filed 28 days late
lowers risk
Liquidity: current ratio 1.50, cash €64,449
Size: total assets €108,174
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 39% of them on solvency, 69% on liquidity and 90% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as BCOG has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of BCOG itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for BCOG. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.5, below the usual 1.5. Short-term debt is 50.4% and cash 59.6% of total assets. 58.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
28 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Incorporation
Founding capital of €5,000 · Founder: Banioi-Crîjman Otilia · Appointment: Banioi-Crîjman Otilia (director) · published on 27-12-2024 · Gazette deed
First establishment
Rue de la Chatqueue 124, Seraing
Official details
Source: KBO- Status
- Active since 23-12-2024Normal situation
- Activity
- “1. l’exercice de la médecine et en particulier de la gériatrie dans le sens…” (deed in French)From the articles, 3 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.368.988.2404100 Seraing, since 23-12-2024
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on BCOG
BCOG has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45,184 and a net result of €80,184.
The computed 12-month bankruptcy probability is 0.4% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-08-2026, 28 days late€132,547
€110,180
€80,184
€27,083
41.8%
1.50
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €330,000. Estimated: probably between €220,000 and €510,000.
Balance sheet
balance sheet total €108,174 on 31-12-2025What the company ownsHow it is paid for
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
108,174 | |
21/28 |
26,565 | |
22/27 |
26,565 | |
24 |
26,565 | |
29/58 |
81,609 | |
54/58 |
64,449 | |
490/1 |
17,160 | |
| Balance sheet: equity and liabilities | ||
10/49 |
108,174 | |
10/15 |
45,184 | |
10/11 |
5,000 | |
13 |
39,000 | |
133 |
39,000 | |
14 |
1,184 | |
17/49 |
62,990 | |
17 |
8,464 | |
170/4 |
8,464 | |
42/48 |
54,526 | |
42 |
8,976 | |
44 |
856 | |
440/4 |
856 | |
45 |
44,500 | |
450/3 |
44,500 | |
47/48 |
194 | |
| Income statement | ||
9900 |
132,547 | |
630 |
18,955 | |
640/8 |
3,412 | |
9901 |
110,180 | |
65/66B |
496 | |
65 |
496 | |
9903 |
109,684 | |
67/77 |
29,500 | |
9904 |
80,184 | |
9905 |
80,184 | |
| Appropriation of the result | ||
9906 |
80,184 | |
691/2 |
39,000 | |
6921 |
39,000 | |
694/7 |
40,000 | |
694 |
40,000 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 28-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 28 days after the deadline. Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00480250.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 28-08-2026 | 2026-00480250 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 129,136 | ||
| 99,139 | ||
| 45,520 | ||
| 27,083 | ||
| 41.8% | ||
| 1.50 | ||
| 1.39 | ||
| 177.5% | ||
| 74.1% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €45,520 |
| €18,955 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on BCOG
Debt's share of the balance-sheet total is 58.2%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 27-12-2024
term without a fixed end
Mandates through the years
1 name, the dashed line is todayBanioi-Crîjman Otilia
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Banioi-Crîjman Otilia
- Director (not named in the articles), appointed by deed of 27-12-2024, still in office
Control
Capital
- Contribution
- €5,000
- Source
- deed of 27-12-2024
Articles of association
deed of 27-12-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Six ans maximum en cas de pluralité d'actionnaires ou si un administrateur n'est pas médecin, proposition présentée préalablement à organe…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Thursday of June at 20:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Founder
At incorporation
deed of 27-12-2024 ↗
- Banioi-Crîjman Otilia sole founder · 100% at incorporation
Network & group
No group
BCOG has no parent and no holdings in its annual accounts. Banioi-Crîjman Otilia is the only director. BCOG shares no director with another company.
Timeline
Timeline
3 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 28 days late
2024
IncorporationFounding capital of €5,000 · Founder: Banioi-Crîjman Otilia · Appointment: Banioi-Crîjman Otilia (director) · published on 27-12-20244 points ▸
- Registered office clause, rue de la Chatqueue 124, 4100 Seraing
- Director appointment, Banioi-Crîjman Otilia (director (not named in the articles))
- Founder, Banioi-Crîjman Otilia
- Founding capital, €5,000
- The deed holds 4 more points.
First establishment Rue de la Chatqueue 124, Seraing
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.809.221
- VAT number
- BE 1017.809.221
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 23-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Thursday of June at 20:00deed of 27-12-2024 (in French)
- Peppol
- Not found in the Peppol Directory
- Name
- BCOG in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 27-12-2024 (in French)
Activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “1. l’exercice de la médecine et en particulier de la gériatrie dans le sens large du terme, par le ou les actionnaires qui la composent…”deed of 27-12-2024 (in French)
3 activities
- 1. l’exercice de la médecine et en particulier de la gériatrie dans le sens large du terme, par le ou les actionnaires qui la composent, lesquels sont exclusivement des médecins inscrits au Tableau de l’Ordre des Médecins. La médecine est exercée au nom et pour le compte de la société. En cas de pluralité d’actionnaires, ceux-ci mettent en commun la totalité de leur activité médicale au sein de la société. Les honoraires sont perçus par et pour la société. L’objet social ne pourra être poursuivi que dans le respect des prescriptions d’ordre déontologique, notamment celles relatives au libre choix du médecin par le patient, à l’indépendance diagnostique et thérapeutique du médecin, au respect du secret médical, à la dignité et à l’indépendance professionnelle du praticien. La société a pour but de pratiquer une médecine de qualité par l’amélioration et la rationalisation de l’équipement professionnel notamment en assurant la gestion d’un cabinet médical, en ce compris, l’acquisition, la location et l’entretien du matériel médical et des biens d’équipement, la facturation et la perception d’honoraires médicaux, la mise à disposition de tout ce qui est nécessaire à l’exercice de l’art de guérir. La société s’interdit toute exploitation commerciale de la médecine, toutes formes de collusion directe ou indirecte, de dichotomie ou de surconsommation.
- 2. A titre accessoire, la société pourra également avoir pour objet la constitution, la gestion et la valorisation d’un patrimoine mobilier et immobilier, notamment par l’achat, la vente, la location, la mise en location, la construction, le tout au sens large, ainsi que toutes les opérations qui sont directement ou indirectement liées à cet objet et qui sont de nature à favoriser le rendement des biens mobiliers et immobiliers, en Belgique ou à l’étranger, pour autant que n’en soit altéré sa vocation prioritairement médicale, et que ces opérations s’inscrivant dans les limites d’une gestion en bon père de famille n’aient pas un caractère répétitif et/ou commercial. Dès lors, qu’il y a plusieurs actionnaires, un accord préalable des actionnaires est à prévoir sur la politique de constitution et de gestion des investissements ainsi réalisés qui doivent avoir été approuvés à la majorité des 2/3 au moins des actions présentes et représentées.
- 3. Sous ces mêmes réserves, elle pourra s’intéresser par voie d’association, d’apport, de fusion, d’intervention financière ou autrement dans toutes sociétés, associations ou entreprises, belges ou étrangères, dont l’objet est identique, analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés. De même, elle pourra exercer les fonctions d’administrateur ou liquidateur d’autres personnes morales. Elle pourra également se porter caution et donner toute sûreté personnelle ou réelle en faveur de toute personne ou société, liée ou non.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de la Chatqueue 124 registered office 4100 Seraing 86220 Specialist medical practice | 23-12-2024 | 2.368.988.240 |
Buildings and parcels at the address
- Ground area
- 349 m²
- Buildings
- 69 m²
- Volume, LiDAR
- 745 m³
- Tallest building
- 11.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62357G0801/00L005 | 349 m² | 1 · 69 m² | 11.6 m · 3 |