BCOH

Active Risk: not assessed Public limited companyfounded 1995active for 30 yearsWaterloosesteenweg 1589D, 1180 UccleKBO/BCE: BE 0456.846.244

BCOH

Financial year 2025

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Annual accounts 2025

full format, filed on 14-08-2026, 14 days late

€1.8m

▲ 25.3%

€4.5m

▲ 2.1%

€360,571

▼ 17.4%

39.7%

▲ 7.4 percentage points

20.2%

▼ 10.4 percentage points

8.0%

▼ 1.9 percentage points

The turnover shown is an estimate from the gross margin.

Money flows

no detail for 2025

Balance sheet

balance sheet total €4.5m on 31-12-2025

What the company ownsHow it is paid for

in €m

Position in the sector

Compare with sector

39.7%

Higher than 49% of 616 companies in 2025.

8.0%

Higher than 56% of 615 companies in 2025.

BCOH Middle half of the sector 80% of the sector Full accounts in auxiliary financial services (NACE 66)

Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Staff: middle half

Staff

€99,539

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Training hours in 2025: 4.

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Balance sheet: assets
`20/58`	4.5m	4.4m	3.8m	5.2m	3.6m	2.3m	2.1m	1.8m	1.8m	1.5m	2.4m	1.1m	921,622	990,782	1.3m	1.2m	1.4m	1.2m	1.6m	1.5m
`21/28`	394,213	429,779	394,177	258,771	117,192	144,727	136,113	154,295	178,150	165,249	132,522	134,936	161,852	180,665	176,463	139,547	135,426	162,330	148,337	157,276
`21`	-	-	-	-	0	10,000	20,000	30,000	40,000	50,000	-	-	-	516	1,032	241	2,050	3,316	9,348	12,000
`22/27`	143,242	178,808	143,206	89,400	22,189	39,724	21,110	29,292	43,147	20,246	32,320	34,734	61,650	82,211	77,493	38,078	37,166	67,903	47,878	54,165
`24`	94,863	135,594	102,163	48,346	22,189	39,724	21,110	29,292	43,147	20,246	32,320	18,462	29,107	33,740	12,407	13,087	35,658	65,642	44,863	54,165
`26`	48,379	43,214	41,043	41,054	-	-	-	-	-	-	-	16,271	32,543	48,472	65,086	24,992	1,508	2,261	3,015	-
`28`	250,971	250,971	250,971	169,371	95,003	95,003	95,003	95,003	95,003	95,003	100,202	100,202	100,202	97,937	97,937	101,227	96,210	91,110	91,110	91,111
`29/58`	4.1m	4.0m	3.4m	5.0m	3.5m	2.1m	1.9m	1.6m	1.6m	1.4m	2.3m	924,887	759,770	810,117	1.1m	1.1m	1.3m	1.1m	1.4m	1.3m
`29`	-	0	10,000	22,350	27,350	30,850	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`291`	-	0	10,000	22,350	27,350	30,850	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`40/41`	2.2m	2.5m	2.1m	3.8m	2.4m	1.4m	1.4m	1.1m	1.1m	934,353	1.9m	599,698	576,048	640,418	768,975	707,684	490,400	438,165	763,184	449,797
`40`	2.1m	2.4m	2.1m	3.8m	2.4m	1.4m	1.3m	1.0m	1.1m	934,353	1.9m	597,011	561,981	375,188	491,103	653,384	433,285	423,864	713,278	397,346
`41`	97,949	72,158	4,879	14,058	6,416	6,363	60,796	19,817	-	-	-	2,687	14,067	265,230	277,873	54,301	57,115	14,301	49,906	52,451
`50/53`	-	-	-	-	-	-	-	-	-	5,170	5,166	5,155	5,134	5,101	5,057	5,001	4,937	4,864	43,771	43,514
`54/58`	1.9m	1.5m	1.2m	1.1m	1.0m	645,897	532,788	564,497	519,461	417,486	337,127	290,109	141,472	107,475	255,980	322,596	792,879	588,616	614,036	824,193
`490/1`	8,464	10,542	15,379	20,149	17,317	13,985	17,292	12,500	11,635	11,604	28,857	29,924	37,116	57,123	51,882	37,302	11,960	20,796	3,317	28,088
Balance sheet: equity and liabilities
`10/49`	4.5m	4.4m	3.8m	5.2m	3.6m	2.3m	2.1m	1.8m	1.8m	1.5m	2.4m	1.1m	921,622	990,782	1.3m	1.2m	1.4m	1.2m	1.6m	1.5m
`10/15`	1.8m	1.4m	988,387	611,212	507,619	465,699	510,523	400,550	305,654	263,014	223,129	141,481	100,508	226,817	244,189	198,919	189,635	185,177	216,805	178,535
`10/11`	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	62,000	62,000	62,000	62,000	62,000	62,000	62,000	62,000
`10`	152,000	152,000	152,000	152,000	152,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`100`	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	62,000	62,000	62,000	62,000	62,000	62,000	62,000	62,000
`13`	135,567	135,567	135,567	135,567	178,207	215,831	153,654	153,654	153,654	111,014	71,129	6,200	6,200	6,200	6,200	6,200	6,200	21,451	113,549	115,651
`130/1`	15,200	15,200	15,200	15,200	15,200	15,200	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`130`	15,200	15,200	15,200	15,200	15,200	15,200	15,200	15,200	15,200	15,200	12,938	6,200	6,200	6,200	6,200	6,200	6,200	6,200	6,200	6,200
`132`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15,251	107,349	109,451
`133`	120,367	120,367	120,367	120,367	163,007	200,631	138,454	138,454	138,454	95,814	58,191	-	-	-	-	-	-	-	-	-
`14`	1.5m	1.1m	700,820	323,646	177,412	97,868	204,868	94,895	-	-	-	-16,719	32,308	158,617	175,989	130,719	121,435	101,726	41,256	884
`16`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7,853	35,967	37,049
`168`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7,853	35,967	37,049
`17/49`	2.7m	3.0m	2.8m	4.6m	3.1m	1.8m	1.5m	1.4m	1.5m	1.3m	2.2m	918,342	821,114	763,965	1.0m	1.0m	1.2m	1.0m	1.3m	1.3m
`17`	21,669	38,309	-	0	2,187	10,898	2,573	7,656	14,782	10,555	-	3,197	17,171	30,672	30,198	2,997	9,915	20,928	10,939	17,137
`170/4`	21,669	38,309	-	0	2,187	10,898	2,573	7,656	14,782	10,555	-	3,197	17,171	30,672	30,198	2,997	9,915	20,928	10,939	17,137
`42/48`	2.7m	2.9m	2.8m	4.6m	3.1m	1.8m	1.5m	1.4m	1.4m	1.3m	2.2m	915,145	803,943	732,422	980,795	1.0m	1.2m	995,210	1.3m	1.3m
`42`	16,639	16,044	0	2,187	8,711	11,225	5,083	7,126	13,345	8,302	3,197	13,974	13,501	13,023	11,575	6,917	11,013	12,660	6,198	5,940
`44`	2.6m	2.9m	2.7m	4.2m	2.7m	1.5m	1.5m	1.3m	1.3m	1.1m	2.1m	885,815	727,984	704,857	930,030	972,474	846,606	814,238	1.3m	814,247
`440/4`	2.6m	2.9m	2.7m	4.2m	2.7m	1.5m	1.5m	1.3m	1.3m	1.1m	2.1m	885,815	727,984	704,857	930,030	972,474	846,606	814,238	1.3m	814,247
`45`	37,091	39,329	75,531	79,527	125,512	107,377	29,517	30,318	30,345	41,587	80,391	15,355	17,362	14,541	39,190	21,278	17,748	29,645	3,286	189,007
`450/3`	64	0	43,487	50,650	105,706	92,259	13,138	-	8,483	26,316	49,024	-	-	44	26,502	10,222	4,049	15,522	719	145,803
`454/9`	37,027	39,329	32,044	28,877	19,806	15,118	16,379	30,318	21,862	15,271	31,367	15,355	17,362	14,497	12,688	11,056	13,699	14,124	2,567	43,204
`47/48`	-	-	0	309,350	268,071	145,923	0	161	73,070	70,039	65,175	-	45,096	-	-	6,820	360,685	138,667	1,463	251,769
`492/3`	-	-	0	3,800	5,700	5,700	5,225	6,125	5,700	5,700	5,500	-	-	872	3,175	2,724	-	5,603	-	9,184
Income statement
`70`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	506,188	350,749
`76A`	0	9,451	-	-	-	-	-	-	7,000	2,032	175	-	9,538	1,853	-	26,858	948	-	-	605,951
`9900`	823,652	905,190	802,409	855,574	702,562	407,562	378,711	381,602	383,130	385,458	439,055	210,764	200,867	190,158	301,139	206,875	241,436	171,447	222,821	206,120
`60/61`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	342,025	238,148
`62`	238,893	225,006	212,105	172,873	147,671	142,000	140,971	169,353	159,161	193,698	165,822	184,134	166,057	135,882	122,197	134,829	159,443	133,607	112,744	209,328
`630`	50,906	44,974	17,286	11,056	27,535	26,052	25,882	24,735	25,390	12,933	33,197	27,562	29,509	28,013	25,587	35,038	34,901	34,479	21,481	19,618
`631/4`	0	2,113	-	-	-	-	-	-	-	-	-	-	-84	1,204	-	-	-	1,522	-	-
`640/8`	100,990	95,471	95,789	80,480	59,594	63,923	62,644	52,954	55,131	46,357	50,448	61,064	51,305	55,722	49,621	48,032	46,164	52,837	36,538	46,694
`66A`	0	9,273	0	449	-	-	-	-	-	-	-	-	626	-	99	-	-	1,399	-	-
`9901`	432,863	528,353	477,229	590,715	467,762	175,587	149,215	134,561	143,449	132,470	189,588	-61,996	-45,921	-30,663	103,733	-11,023	929	-50,999	52,057	-69,520
`75/76B`	47,679	50,176	29,048	27,082	16,718	11,098	10,585	9,503	7,076	5,723	7,583	15,403	15,434	15,773	14,699	6,641	7,614	18,912	19,860	8,084
`75`	47,679	50,176	29,048	27,082	16,718	11,098	10,585	9,503	7,076	5,723	7,583	15,403	15,434	15,773	14,699	6,641	7,614	18,912	19,860	8,084
`65/66B`	7,095	2,628	1,958	4,513	4,569	3,305	1,167	1,073	5,371	1,779	1,586	2,350	4,614	3,963	44,679	2,509	2,438	8,140	1,820	3,530
`65`	7,095	2,628	1,958	4,513	4,569	3,305	1,167	1,073	5,371	1,779	1,586	2,350	4,614	3,963	44,679	2,509	2,438	8,140	1,820	3,530
`9903`	473,447	575,901	504,319	613,285	479,910	183,380	158,633	142,990	145,153	136,413	195,760	-48,943	-26,189	-17,000	73,654	19,966	7,052	-41,626	70,097	540,985
`67/77`	112,876	139,230	127,145	149,692	126,109	63,013	48,660	48,095	55,609	52,653	50,103	83	120	372	28,384	10,682	-2,826	18,114	32,909	138,148
`9904`	360,571	436,671	377,175	463,593	353,802	120,367	109,973	94,895	89,545	83,760	145,657	-49,027	-26,309	-17,372	45,270	9,284	9,878	-31,627	38,270	365,788
`789`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	54,597	2,102	-
`689`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	109,451
`9905`	360,571	436,671	377,175	463,593	353,802	120,367	109,973	94,895	89,545	83,760	145,657	-49,027	-26,309	-17,372	45,270	9,284	9,878	22,970	40,372	256,337
Appropriation of the result
`9906`	1.5m	1.1m	700,820	641,005	451,670	325,235	204,868	94,895	89,545	83,760	128,938	-16,719	132,308	158,617	175,989	130,719	121,435	64,226	41,256	250,884
`14P`	1.1m	700,820	323,646	177,412	97,868	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`791/2`	-	-	0	42,640	37,623	58,191	-	-	-	-	-	-	-	-	-	-	-	37,500	-	-
`691/2`	-	-	-	-	0	120,367	-	-	42,640	39,886	64,929	-	-	-	-	-	-	-	-	-
`6920`	-	-	-	-	-	-	-	-	-	2,262	6,738	-	-	-	-	-	-	-	-	-
`6921`	-	-	-	-	0	120,367	-	-	42,640	37,623	58,191	-	-	-	-	-	-	-	-	-
`694/7`	-	-	0	360,000	311,881	165,191	-	-	46,904	43,874	64,010	-	100,000	-	-	-	-	-	-	250,000
`694`	-	-	0	360,000	311,881	165,191	-	-	46,904	43,874	64,010	-	100,000	-	-	-	-	-	-	250,000
Social balance sheet
`9087`	2.4	2.3	2.3	1.9	1.8	1.8	1.8	2	2	2.8	2.2	2.9	3.3	2.3	2	3	3.2	2.9	2.2	3.4
Hours worked`1013`	3,855	3,860	4,011	3,035	3,008	2,941	2,588	3,293	3,270	4,740	3,458	4,838	5,543	3,786	3,345	4,449	5,488	4,912	3,834	6,052
Document	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF

The accounts for 10 older financial years (1996-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 16 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 14-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 14 days after the deadline. Filed on 14 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00397969.

Financial year	Type	Filed	Reference	Document
31-12-2025	full format	14-08-2026	2026-00397969	PDF
31-12-2024	full format	14-07-2025	2025-00275151	PDF
31-12-2023	full format	17-07-2024	2024-00260747	PDF
31-12-2022	full format	29-06-2023	2023-00173220	PDF
31-12-2021	full format	05-08-2022	2022-20279993	PDF
31-12-2020	full format	15-06-2021	2021-19700333	PDF
31-12-2019	full format	22-07-2020	2020-33200269	PDF
31-12-2018	full format	16-07-2019	2019-34400571	PDF
31-12-2017	full format	13-07-2018	2018-32100322	PDF
31-12-2016	full format	08-06-2017	2017-16800098	PDF
31-12-2015	full format	17-06-2016	2016-18300138	PDF
31-12-2014	full format	17-07-2015	2015-31300033	PDF
31-12-2013	full format	30-07-2014	2014-37600180	PDF
31-12-2012	full format	02-08-2013	2013-39500006	PDF
31-12-2011	full format	31-07-2012	2012-37100274	PDF
31-12-2010	full format	29-07-2011	2011-36300430	PDF
31-12-2009	full format	31-08-2010	2010-52800312	PDF
31-12-2008	full format	31-08-2009	2009-69700307	PDF
31-12-2007	full format	31-07-2008	2008-52600269	PDF
31-12-2006	full format	05-06-2007	2007-18000371	PDF
31-12-2005	full format	30-08-2006	2006-70100207	PDF
31-12-2004	full format	28-09-2005	2005-71800251	PDF
31-12-2003	full format	05-08-2004	2004-58403697	PDF
31-12-2002	full format	25-07-2003	2003-50203703	PDF
31-12-2001	full format	05-09-2002	2002-53603639	PDF
31-12-2000	full format	25-07-2001	2001-42403910	PDF
31-12-1999	full format	11-10-2000	2000-63805283	PDF
31-12-1998	full format	24-12-1999	1999-64703471	PDF
31-12-1997	full format	13-11-1998	1998-57104757	PDF
31-12-1996	full format	30-10-1998	1998-55403747	PDF

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
15,340	80,576	163,135	249,917	0	34,667	7,699	880	38,291	50,859	30,784	645	10,697	32,215	20,300	39,158	7,997	57,473	12,542	77,334
414,629	255,599	67,133	126,540	365,727	113,110	-31,709	45,036	101,974	80,360	47,018	148,637	33,997	-148,504	-66,616	-470,283	204,263	-25,420	-210,157	-
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.3%	-19.8%
39.7%	32.3%	26.3%	11.7%	14.2%	20.4%	24.8%	22.3%	17.3%	17.1%	9.2%	13.3%	10.9%	22.9%	19.4%	16.4%	13.2%	15.2%	13.8%	11.9%
20.2%	30.6%	38.2%	75.8%	69.7%	25.8%	21.5%	23.7%	29.3%	31.8%	65.3%	-34.7%	-26.2%	-7.7%	18.5%	4.7%	5.2%	-17.1%	17.7%	204.9%
8.0%	9.9%	10.0%	8.9%	9.9%	5.3%	5.3%	5.3%	5.1%	5.5%	6.0%	-4.6%	-2.9%	-1.8%	3.6%	0.8%	0.7%	-2.6%	2.4%	24.3%

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.

Social balance sheet

Item	31-12-2025	31-12-2024	31-12-2023	31-12-2022	31-12-2021
Employees at the balance-sheet date	3	3	3	3	2
full-time	1	1	1	1	1
part-time	2	2	2	2	1
in full-time equivalents	2.4	2.3	2.3	2.3	1.8
	2.4	2.3	2.3	1.9	1.8
On a permanent contract	3	3	3	3	2
Joined	-	-	-	1	-
Left	-	-	-	0	-
Training hours	4	4	4	4	4

Source: social balance sheet in the 2021 to 2025 annual accounts

Securities and guarantees

on own assets and for others

Item	2025	2024	2023	2022	2021
	€45,000	-	-	-	-

Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	€15,340	€80,576	€81,535	€78,267	-
Financial fixed assets	-	-	€81,600	€171,650	-
	€50,906	€44,974	€17,286	€11,056	€27,535

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on BCOH

The operating result for 2025 is 18% lower than in 2024 and the lowest since 2020.

Debt's share of the balance-sheet total falls from 67.7% to 60.3%. Equity is higher and debt is lower.

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check See what changed in the latest annual accounts.What changed

Annual accounts 2025

Money flows

Balance sheet

Change in equityin €m

Change in cashin €m

Position in the sector

Solvency39.7%

Return on assets8.0%

Staff

Staff cost per FTE€99,539

Joined and left

Filed annual accounts

Filings

Key figures and ratios

Social balance sheet

Securities and guarantees

Investments

Insights on BCOH

Next steps

in €m

in €m

39.7%

8.0%

€99,539