Summary
BCOH is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.8m and a net result of €360,571. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 492 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
17 d early
2023
14 d early
2022
32 d early
2021
5 d late
2020
46 d early
2019
9 d early
← 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 14 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Equity
€1.8m▲ 25.3%
2024 · €1.4m
Net result
€360,571▼ 17.4%
2024 · €436,671
Total assets
€4.5m▲ 2.1%
2024 · €4.4m
Solvency
39.7%▲ 7.4pp
2024 · 32.3%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€467,762▲ 166%€590,715▲ 26.3%€477,229▼ 19.2%€528,353▲ 10.7%€432,863▼ 18.1%
Net result€353,802▲ 194%€463,593▲ 31.0%€377,175▼ 18.6%€436,671▲ 15.8%€360,571▼ 17.4%
Equity€507,619▲ 9.0%€611,212▲ 20.4%€988,387▲ 61.7%€1.4m▲ 44.2%€1.8m▲ 25.3%
Total assets€3.6m▲ 56.8%€5.2m▲ 46.4%€3.8m▼ 28.1%€4.4m▲ 17.1%€4.5m▲ 2.1%
Debt€3.1m▲ 69.0%€4.6m▲ 50.7%€2.8m▼ 40.0%€3.0m▲ 7.5%€2.7m▼ 9.1%
Working capital€398,315▲ 18.0%€356,241▼ 10.6%€594,209▲ 66.8%€1.0m▲ 73.9%€1.4m▲ 36.7%
Solvency14.2%▼ 6.2pp11.7%▼ 2.5pp26.3%▲ 14.6pp32.3%▲ 6.1pp39.7%▲ 7.4pp
Staff (FTE)1.8=1.9▲ 5.6%2.3▲ 21.1%2.3=2.4▲ 4.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.5m
Fixed assets
€394,213 ▼ 8.3%
Current assets
€4.1m ▲ 3.2%
Equity and liabilities €4.5m
Equity
€1.8m ▲ 25.3%
Debt
€2.7m ▼ 9.1%
Debt's share of the balance-sheet total falls from 67.7% to 60.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
20.2%▼
2024 · 30.6%
ROA
8.0%▼
2024 · 9.9%
Debt ≤ 1 year
€2.7m▼
2024 · €2.9m
Debt > 1 year
€21,669▼
2024 · €38,309
Income taxes
€112,876▼
2024 · €139,230
Staff costs
€238,893▲
2024 · €225,006
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €9,451 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €147,671 | €172,873 | €212,105 | €225,006 | €238,893 | ▲ 6.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27,535 | €11,056 | €17,286 | €44,974 | €50,906 | ▲ 13.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €2,113 | €0 | ▼ 100% |
| Other operating charges640/8 | €59,594 | €80,480 | €95,789 | €95,471 | €100,990 | ▲ 5.8% |
| Non-recurring operating charges66A | - | €449 | €0 | €9,273 | €0 | ▼ 100% |
| Gross operating margin9900 | €702,562 | €855,574 | €802,409 | €905,190 | €823,652 | ▼ 9.0% |
| Operating profit (loss)9901 | €467,762 | €590,715 | €477,229 | €528,353 | €432,863 | ▼ 18.1% |
| Financial income75/76B | €16,718 | €27,082 | €29,048 | €50,176 | €47,679 | ▼ 5.0% |
| Recurring financial income75 | €16,718 | €27,082 | €29,048 | €50,176 | €47,679 | ▼ 5.0% |
| Financial charges65/66B | €4,569 | €4,513 | €1,958 | €2,628 | €7,095 | ▲ 170% |
| Recurring financial charges65 | €4,569 | €4,513 | €1,958 | €2,628 | €7,095 | ▲ 170% |
| Profit (loss) for the period before taxes9903 | €479,910 | €613,285 | €504,319 | €575,901 | €473,447 | ▼ 17.8% |
| Income taxes67/77 | €126,109 | €149,692 | €127,145 | €139,230 | €112,876 | ▼ 18.9% |
| Profit (loss) for the period9904 | €353,802 | €463,593 | €377,175 | €436,671 | €360,571 | ▼ 17.4% |
| Profit (loss) for the period to be appropriated9905 | €353,802 | €463,593 | €377,175 | €436,671 | €360,571 | ▼ 17.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.6m | €5.2m | €3.8m | €4.4m | €4.5m | ▲ 2.1% |
| Fixed assets21/28 | €117,192 | €258,771 | €394,177 | €429,779 | €394,213 | ▼ 8.3% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €22,189 | €89,400 | €143,206 | €178,808 | €143,242 | ▼ 19.9% |
| Furniture and vehicles24 | €22,189 | €48,346 | €102,163 | €135,594 | €94,863 | ▼ 30.0% |
| Other tangible fixed assets26 | - | €41,054 | €41,043 | €43,214 | €48,379 | ▲ 12.0% |
| Financial fixed assets28 | €95,003 | €169,371 | €250,971 | €250,971 | €250,971 | = |
| Current assets29/58 | €3.5m | €5.0m | €3.4m | €4.0m | €4.1m | ▲ 3.2% |
| Amounts receivable after more than one year29 | €27,350 | €22,350 | €10,000 | €0 | - | - |
| Other amounts receivable291 | €27,350 | €22,350 | €10,000 | €0 | - | - |
| Amounts receivable within one year40/41 | €2.4m | €3.8m | €2.1m | €2.5m | €2.2m | ▼ 11.4% |
| Trade receivables40 | €2.4m | €3.8m | €2.1m | €2.4m | €2.1m | ▼ 12.8% |
| Other amounts receivable41 | €6,416 | €14,058 | €4,879 | €72,158 | €97,949 | ▲ 35.7% |
| Cash at bank and in hand54/58 | €1.0m | €1.1m | €1.2m | €1.5m | €1.9m | ▲ 28.4% |
| Deferred charges and accrued income490/1 | €17,317 | €20,149 | €15,379 | €10,542 | €8,464 | ▼ 19.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.6m | €5.2m | €3.8m | €4.4m | €4.5m | ▲ 2.1% |
| Equity10/15 | €507,619 | €611,212 | €988,387 | €1.4m | €1.8m | ▲ 25.3% |
| Contributions10/11 | €152,000 | €152,000 | €152,000 | €152,000 | €152,000 | = |
| Capital10 | €152,000 | €152,000 | €152,000 | €152,000 | €152,000 | = |
| Issued capital100 | €152,000 | €152,000 | €152,000 | €152,000 | €152,000 | = |
| Reserves13 | €178,207 | €135,567 | €135,567 | €135,567 | €135,567 | = |
| Non-distributable reserves130/1 | €15,200 | €15,200 | €15,200 | €15,200 | €15,200 | = |
| Legal reserve130 | €15,200 | €15,200 | €15,200 | €15,200 | €15,200 | = |
| Distributable reserves133 | €163,007 | €120,367 | €120,367 | €120,367 | €120,367 | = |
| Profit (loss) carried forward14 | €177,412 | €323,646 | €700,820 | €1.1m | €1.5m | ▲ 31.7% |
| Amounts payable17/49 | €3.1m | €4.6m | €2.8m | €3.0m | €2.7m | ▼ 9.1% |
| Amounts payable after more than one year17 | €2,187 | €0 | - | €38,309 | €21,669 | ▼ 43.4% |
| Financial debts170/4 | €2,187 | €0 | - | €38,309 | €21,669 | ▼ 43.4% |
| Amounts payable within one year42/48 | €3.1m | €4.6m | €2.8m | €2.9m | €2.7m | ▼ 8.6% |
| Current portion of amounts payable after more than one year42 | €8,711 | €2,187 | €0 | €16,044 | €16,639 | ▲ 3.7% |
| Trade debts44 | €2.7m | €4.2m | €2.7m | €2.9m | €2.6m | ▼ 8.7% |
| Suppliers440/4 | €2.7m | €4.2m | €2.7m | €2.9m | €2.6m | ▼ 8.7% |
| Taxes, remuneration and social security45 | €125,512 | €79,527 | €75,531 | €39,329 | €37,091 | ▼ 5.7% |
| Taxes450/3 | €105,706 | €50,650 | €43,487 | €0 | €64 | - |
| Remuneration and social security454/9 | €19,806 | €28,877 | €32,044 | €39,329 | €37,027 | ▼ 5.9% |
| Other amounts payable47/48 | €268,071 | €309,350 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €5,700 | €3,800 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €353,802 | €463,593 | €377,175 | €436,671 | €360,571 | ▼ 17.4% |
| + Depreciation and write-downs630 | €27,535 | €11,056 | €17,286 | €44,974 | €50,906 | ▲ 13.2% |
| Operating cash flow (approximation) | €381,337 | €474,649 | €394,461 | €481,645 | €411,477 | ▼ 14.6% |
| Investment in fixed assets (approximation) | - | -€152,636 | -€152,692 | -€80,576 | -€15,340 | ▲ 81.0% |
| Change in cash | - | €126,540 | €67,133 | €255,599 | €414,629 | ▲ 62.2% |
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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 14 days late
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €1mEq €1.4m ▲44.2%
7 profitable years in a row build equity to €1.4m.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €463,593 ▲31%
Operating result €590,715, net result €463,593, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 5 days late
2021
31-12
Financial
Equity above €500,000Eq €507,619 ▲9%
4 profitable years in a row build equity to €507,619.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €500,000Eq €510,523 ▲27.5%
2 profitable years in a row build equity to €510,523.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
10 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, Ukkel · 1 establishment unit since 1996
Ground area
3,070 m²
Building footprint
877 m²
Volume, LiDAR
6,936 m³
Parcel 21614H0054/03Z003, Brussels · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
21
companies at this address
See who is registered here
1 establishment unit
BCOH
since 19962.074.589.874
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0054/03Z003 | Brussels | 3,070 m² | 1 · 877 m² | 13.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
PLEVOETS VERZEKERINGEN
BE 0435.955.810
Sint-Truiden · Eq €1,783,158
SCHYNS ASSURANCES
BE 0439.630.724
Herve · Eq €1,781,345
Reynassur
BE 0452.829.256
Lochristi · Eq €1,769,090
B&G Invest
BE 0688.974.667
Anzegem · Eq €1,762,622
Gika
BE 0425.661.239
Deerlijk · Eq €1,761,891
Of 4,673 companies in sector 66220 we hold annual accounts for 3,219. 1,762 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
Founded12-12-1995
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
Website
www.bcoh.be
Scores and ratios are computed by Checked and are not a credit decision.