BCU & CO
ActiveThe file of BCU & CO contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 1.3% (low). The 2025 annual accounts show equity of €246k and a net result of €28k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 73% of 7415 sector peers (fiscal year 2025).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-6
Solvency90=
Growth57▲+5
Track record85
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days only on tighter terms
Liquidity ample (current ratio 2.75 against 2.82 in 2024; short-term debt: 35.2% and cash: 4.2% of total assets), and 35.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.8%
Return on assets
7.5%
Age of the figures
13 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 31-03-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
22 d late
2022
1 d early
2021
10 d early
2020
1 d early
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close20-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€265k▲ 32.6%
2024 · €200k
2019: €363k
2020: €477k
2021: €416k
2022: €407k
2023: €298k
2024: €200k
2019 → 2025
EBIT margin
18.2%▼ 6.8pp
2024 · 25.1%
2019: 1.1%
2020: 12.6%
2021: 8.3%
2022: 8.2%
2023: 5.7%
2024: 25.1%
2019 → 2025
Net result
€28k▼ 6.8%
2024 · €31k
2019: €5k
2020: €50k
2021: €37k
2022: €25k
2023: €4k
2024: €31k
2019 → 2025
Working capital
€234k▲ 11.7%
2024 · €209k
2019: €75k
2020: €127k
2021: €152k
2022: €174k
2023: €181k
2024: €209k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€416k-€407k▼ 2.2%€298k▼ 26.8%€200k▼ 32.9%€265k▲ 32.6%
Equity€158k-€183k▲ 15.9%€187k▲ 2.1%€218k▲ 16.4%€246k▲ 13.1%
Operating result€34k-€33k▼ 3.2%€17k▼ 48.8%€50k▲ 193%€48k▼ 3.6%
Net result€37k-€25k▼ 32.6%€4k▼ 84.7%€31k▲ 693%€28k▼ 6.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €379k
Fixed assets
€12k▲ 49.1%
Current assets
€367k▲ 13.1%
Equity and liabilities €379k
Equity
€246k▲ 13.1%
Debt
€133k▲ 15.7%
The debt ratio rises from 34.6% to 35.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€53k▼
2024 · €53k
Cash flow
€33k▼
2024 · €34k
Solvency
64.8%▼
2024 · 65.4%
Current ratio
2.75▼
2024 · 2.82
Quick ratio
2.75▼
2024 · 2.82
Debt / equity
0.54▲
2024 · 0.53
ROE
11.6%▼
2024 · 14.1%
ROA
7.5%▼
2024 · 9.2%
Interest coverage
3.55▼
2024 · 4.41
Debt
€133k▲
2024 · €115k
Debt ≤ 1 year
€133k▲
2024 · €115k
Income taxes
€13k▲
2024 · €12k
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€333k€379k▲
Fixed assets21/28€8k€12k▲
Tangible fixed assets22/27€8k€12k▲
Plant, machinery and equipment23€1k€797▼
Furniture and vehicles24€7k€3k▼
Assets under construction and advance payments27-€9k
Financial fixed assets28€78€78=
Current assets29/58€325k€367k▲
Amounts receivable after more than one year29€177k€152k▼
Other amounts receivable291€177k€152k▼
Amounts receivable within one year40/41€126k€198k▲
Trade receivables40€93k€93k▲
Other amounts receivable41€33k€106k▲
Cash at bank and in hand54/58€19k€16k▼
Deferred charges and accrued income490/1€2k€713▼
Equity and liabilities
Total equity and liabilities10/49€333k€379k▲
Equity10/15€218k€246k▲
Contributions10/11€15k€15k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€10k€10k=
Profit (loss) carried forward14€191k€220k▲
Amounts payable17/49€115k€133k▲
Amounts payable within one year42/48€115k€133k▲
Current portion of amounts payable after more than one year42€1k-
Trade debts44€102k€121k▲
Suppliers440/4€102k€121k▲
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€12k€13k▲
Income statement
Code20242025
Turnover70€200k€265k▲
Goods, raw materials, services and sundry goods60/61€146k€212k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8-€330
Gross operating margin9900€53k€53k▼
Operating profit (loss)9901€50k€48k▼
Financial income75/76B€5k€8k▲
Recurring financial income75€5k€8k▲
Financial charges65/66B€12k€15k▲
Recurring financial charges65€12k€15k▲
Profit (loss) for the period before taxes9903€43k€41k▼
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€31k€28k▼
Profit (loss) for the period to be appropriated9905€31k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€191k€220k▲
Profit (loss) brought forward from the previous period14P€161k€191k▲
The notes to these accounts (6 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
Financial
Equity above €200kEq €218k ▲16.4%
6 profitable years in a row build equity to €218k.
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
23-02
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Brussel · BCU & CO BV LOUIZALAAN 209/7, 1050 ELSENE · event 16-02-2024
2023
04-12
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · BCU & CO BV LOUIZA- LAAN 209/7, 1050 ELSENE · event 28-11-2023
31-08
Financial
Weakest financial yearnet €4k ▼84.7%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
Financial
Equity above €150kEq €158k ▲16.5%
3 profitable years in a row build equity to €158k.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
Financial
Highest result since 2019net €50k ▲842%
Operating result €60k, net result €50k, both a record.
31-08
Financial
Equity above €100kEq €136k ▲58.6%
2 profitable years in a row build equity to €136k.
14-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
SignalFinancial 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, Brussel · 1 establishment unit since 2012
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.
Louizalaan 2091050 BrusselGround area
700 m²
Building footprint
700 m²
Volume, LiDAR
16,134 m³
Parcel 21807G0120/00L005, Brussels · tallest building 32.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
BCU & Co
since 20122.214.965.702
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0120/00L005 | Brussels | 700 m² | 1 · 700 m² | 32.2 m · 9 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | Nick PEETERS VERSAILLESLAAN 6, 1020
BRUSSEL 2 |
28-11-2023 → present |
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 11,547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-12-2012
Fiscal year end31-08
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.