Skip to content

BDC

Active
Private limited companyfounded 20206 yrs activeRue de l'Hôpital 5, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 0752.939.833
Summary

BDC has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €5,564 and a net result of -€2,407. Equity is shrinking by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 36% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability0▼-23
Solvency73▼-27
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
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 2024
Solvency, return and age of the figures
Solvency
48.4%
Return on assets
-21%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
38 d early
2024
29 d early
2023
10 d late
2022
42 d early
2021
1 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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. Usually files around 2 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

BDC was incorporated on 25 August 2020 as a Private limited company.1 Total assets fell from EUR 18,733 in 2021 to EUR 11,487 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2024

Go further with this company

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 2024, micro schema

Equity
€5,564▼ 30.2%
2023 · €7,971
Total assets
€11,487▲ 43.1%
2023 · €8,028
Net result
-€2,407▼ 401%
2023 · -€480
Working capital
€5,564▼ 30.2%
2023 · €7,971
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2021202220232024
Operating result-€1,209--€10,271▼ 750%-€374▲ 96.4%-€2,309▼ 518%
Net result-€1,267below the sector's middle half--€10,282below the sector's middle half▼ 712%-€480below the sector's middle half▲ 95.3%-€2,407below the sector's middle half▼ 401%
Equity€18,733below the sector's middle half-€8,451below the sector's middle half▼ 54.9%€7,971below the sector's middle half▼ 5.7%€5,564below the sector's middle half▼ 30.2%
Total assets€18,733below the sector's middle half-€8,508below the sector's middle half▼ 54.6%€8,028below the sector's middle half▼ 5.6%€11,487below the sector's middle half▲ 43.1%
Debt€57€57=€5,922▲ 10,290%
Working capital€8,451below the sector's middle half€7,971below the sector's middle half▼ 5.7%€5,564below the sector's middle half▼ 30.2%
Solvency100.0%above the sector's middle half-99.3%above the sector's middle half▼ 0.7pp99.3%above the sector's middle half=48.4%within the sector's middle half▼ 50.8pp
Current ratio1.94within the sector's middle half
Return on assets (ROA)-6.8%below the sector's middle half--120.8%below the sector's middle half▼ 114.1pp-6.0%below the sector's middle half▲ 114.9pp-21.0%below the sector's middle half▼ 15.0pp
above within below the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€15,000-€10,000-€5,000€0Operating result 2021: -€1,209-€1,209Net result 2021: -€1,267-€1,267Operating result 2022: -€10,271-€10,271Net result 2022: -€10,282-€10,282Operating result 2023: -€374-€374Net result 2023: -€480-€480Operating result 2024: -€2,309-€2,309Net result 2024: -€2,407-€2,4072021202220232024-€15,000-€10,000-€5,000€0Operating result 2022: -€10,271-€10,300Net result 2022: -€10,282-€10,300Operating result 2023: -€374-€374Net result 2023: -€480-€480Operating result 2024: -€2,309-€2,310Net result 2024: -€2,407-€2,410202220232024
The operating result stays negative: a loss of €2,309 in 2024 against €374 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €11,487
Equity €5,564 ▼ 30.2%
Debt €5,922 ▲ 10,290%
Debt's share of the balance-sheet total rises from 0.7% to 51.6%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
Debt to equity
1.06▲
2023 · 0.01
ROE
-43.3%▼
2023 · -6.0%
Debt ≤ 1 year
€5,922▲
2023 · €57
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
3.0% went bankrupt
9.5% stopped otherwise
87% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,592 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 27 lines
Balance sheet Code20232024
Assets
Total assets20/58€8,028€11,487▲
Current assets29/58€8,028€11,487▲
Amounts receivable within one year40/41€5,378€4,840▼
Trade receivables40€5,000€4,840▼
Other amounts receivable41€378-
Cash at bank and in hand54/58€2,650€6,647▲
Equity and liabilities
Total equity and liabilities10/49€8,028€11,487▲
Equity10/15€7,971€5,564▼
Contributions10/11€20,000€20,000=
Profit (loss) carried forward14-€12,029-€14,436▼
Amounts payable17/49€57€5,922▲
Amounts payable within one year42/48€57€5,922▲
Trade debts44€57€104▲
Suppliers440/4€57€104▲
Taxes, remuneration and social security45€0€819▲
Taxes450/3€0€819▲
Other amounts payable47/48-€5,000
Income statement Code20232024
Other operating charges640/8-€836
Gross operating margin9900-€374-€1,473▼
Operating profit (loss)9901-€374-€2,309▼
Financial charges65/66B€107€98▼
Recurring financial charges65€107€98▼
Profit (loss) for the period before taxes9903-€480-€2,407▼
Profit (loss) for the period9904-€480-€2,407▼
Profit (loss) for the period to be appropriated9905-€480-€2,407▼
Appropriation of the result
Profit (loss) to be appropriated9906-€12,029-€14,436▼
Profit (loss) brought forward from the previous period14P-€11,549-€12,029▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€967---
Other operating charges640/8€935€405-€836-
Gross operating margin9900-€274-€8,900-€374-€1,473▼ 294%
Operating profit (loss)9901-€1,209-€10,271-€374-€2,309▼ 518%
Financial charges65/66B€58€10€107€98▼ 7.9%
Recurring financial charges65€58€10€107€98▼ 7.9%
Profit (loss) for the period before taxes9903-€1,267-€10,282-€480-€2,407▼ 401%
Profit (loss) for the period9904-€1,267-€10,282-€480-€2,407▼ 401%
Profit (loss) for the period to be appropriated9905-€1,267-€10,282-€480-€2,407▼ 401%
Line2021202220232024Change
Assets
Total assets20/58€18,733€8,508€8,028€11,487▲ 43.1%
Formation expenses20€967----
Current assets29/58€17,766€8,508€8,028€11,487▲ 43.1%
Amounts receivable within one year40/41€250€313€5,378€4,840▼ 10.0%
Trade receivables40--€5,000€4,840▼ 3.2%
Other amounts receivable41€250€313€378--
Cash at bank and in hand54/58€17,516€8,195€2,650€6,647▲ 151%
Equity and liabilities
Total equity and liabilities10/49€18,733€8,508€8,028€11,487▲ 43.1%
Equity10/15€18,733€8,451€7,971€5,564▼ 30.2%
Contributions10/11€20,000€20,000€20,000€20,000=
Profit (loss) carried forward14-€1,267-€11,549-€12,029-€14,436▼ 20.0%
Amounts payable17/49-€57€57€5,922▲ 10,290%
Amounts payable within one year42/48-€57€57€5,922▲ 10,290%
Trade debts44-€57€57€104▲ 81.6%
Suppliers440/4-€57€57€104▲ 81.6%
Taxes, remuneration and social security45--€0€819-
Taxes450/3--€0€819-
Other amounts payable47/48---€5,000-
Line2021202220232024Change
Profit (loss) for the period9904-€1,267-€10,282-€480-€2,407▼ 401%
+ Depreciation and write-downs630-€967---
Operating cash flow (approximation)-€1,267-€9,315-€480-€2,407▼ 401%
Change in cash--€9,321-€5,545€3,997▲ 172%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
23-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
10-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 10 days late
2023
19-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Weakest financial yearnet -€10,282
Net result drops to -€10,282, the lowest in the series; recovery starts the following year.
30-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
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, Braine-l'Alleud · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
543 m²
Building footprint
357 m²
Volume, LiDAR
5,519 m³
Parcel 25744E1598/00A000, Wallonia · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
18 companies at this address See who is registered here
1 establishment unit
BDC
Rue de l'Hôpital 5, 1420 Braine-l'AlleudComputer programming, consultancy and related activities
since 20202.306.931.006
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25744E1598/00A000 Wallonia 543 m² 1 · 357 m² 18.7 m · 5 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

Of 16,915 companies in sector 62100 we hold annual accounts for 8,786. 3,186 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded25-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Contact
E-mail p.druez@ciel-software.be
Phone 0477454048
E-invoicing
Reachable via Peppol
Peppol ID 0208:0752939833
Also 9925:BE0752939833
Registered 03-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.