BDC
ActiveSummary
BDC has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,698 and a net result of €3,134. Equity has been shrinking by about 18% per year since 2021. Its solvency ranks better than 50% of 21,148 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 25-08-2020 Normal situation
- Registered office
- 18 active companies are registered at this address 1 started in the 12 months before. Source: KBO register, as of 3 November 2026.
- Activity
- Computer programming NACE 62100and 2 others
- Establishment unit
- 2.306.931.006 1420 Braine-l'Alleud, since 25-08-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 03-11-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €3,303
- Turnover
- ≈ €18,000
- estimated
- Profit
- €3,134
- Equity
- €8,698
- ▲ 56.3%
- Total assets
- €14,619
- ▲ 27.3%
Score breakdownlowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 2.47, cash €9,779Figures for financial year 2025 (filed on 23-06-2026)Equity €8,698 (59.5% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 (NACE 62, micro). It does better than 51% of them on solvency, 64% on liquidity, 55% on profitability and 81% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 5 accounts on average 20 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 23-06-2026 at the NBB all 5 filings
Every figure per financial year
The operating result for 2025 is a profit of €3,237, after a loss of €2,309 in 2024. It is the highest result since 2021.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €967 | - | - | - | - |
| Other operating charges640/8 | €935 | €405 | - | €836 | €66 | ▼ 92.1% |
| Gross operating margin9900 | -€274 | -€8,900 | -€374 | -€1,473 | €3,303 | - |
| Operating profit (loss)9901 | -€1,209 | -€10,271 | -€374 | -€2,309 | €3,237 | - |
| Financial charges65/66B | €58 | €10 | €107 | €98 | €103 | ▲ 5.4% |
| Recurring financial charges65 | €58 | €10 | €107 | €98 | €103 | ▲ 5.4% |
| Profit (loss) for the period before taxes9903 | -€1,267 | -€10,282 | -€480 | -€2,407 | €3,134 | - |
| Profit (loss) for the period9904 | -€1,267 | -€10,282 | -€480 | -€2,407 | €3,134 | - |
| Profit (loss) for the period to be appropriated9905 | -€1,267 | -€10,282 | -€480 | -€2,407 | €3,134 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €18,733 | €8,508 | €8,028 | €11,487 | €14,619 | ▲ 27.3% |
| Formation expenses20 | €967 | - | - | - | - | - |
| Current assets29/58 | €17,766 | €8,508 | €8,028 | €11,487 | €14,619 | ▲ 27.3% |
| Amounts receivable within one year40/41 | €250 | €313 | €5,378 | €4,840 | €4,840 | = |
| Trade receivables40 | - | - | €5,000 | €4,840 | €4,840 | = |
| Other amounts receivable41 | €250 | €313 | €378 | - | - | - |
| Cash at bank and in hand54/58 | €17,516 | €8,195 | €2,650 | €6,647 | €9,779 | ▲ 47.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €18,733 | €8,508 | €8,028 | €11,487 | €14,619 | ▲ 27.3% |
| Equity10/15 | €18,733 | €8,451 | €7,971 | €5,564 | €8,698 | ▲ 56.3% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | -€1,267 | -€11,549 | -€12,029 | -€14,436 | -€11,302 | ▲ 21.7% |
| Amounts payable17/49 | - | €57 | €57 | €5,922 | €5,921 | = |
| Amounts payable within one year42/48 | - | €57 | €57 | €5,922 | €5,921 | = |
| Trade debts44 | - | €57 | €57 | €104 | €35 | ▼ 65.9% |
| Suppliers440/4 | - | €57 | €57 | €104 | €35 | ▼ 65.9% |
| Taxes, remuneration and social security45 | - | - | €0 | €819 | €782 | ▼ 4.4% |
| Taxes450/3 | - | - | €0 | €819 | €782 | ▼ 4.4% |
| Other amounts payable47/48 | - | - | - | €5,000 | €5,104 | ▲ 2.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,267 | -€10,282 | -€480 | -€2,407 | €3,134 | - |
| + Depreciation and write-downs630 | - | €967 | - | - | - | - |
| Operating cash flow (approximation) | -€1,267 | -€9,315 | -€480 | -€2,407 | €3,134 | - |
| Change in cash | - | -€9,321 | -€5,545 | €3,997 | €3,133 | ▼ 21.6% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 26,972 companies had the same profile as BDC has now. Two years later, 94.9% were still going and 1.6% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BDC itself is lower: < 0.1% within 12 months. It rests on far more data about BDC than the profile alone.
Test of the method
The method was tested on the 497,446 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 26,972 companies, not a prediction for BDC. 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.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 23-06-2026 | 2026-00188480 | |
| 31-12-2024 | micro format | 02-07-2025 | 2025-00217478 | |
| 31-12-2023 | micro format | 10-08-2024 | 2024-00342303 | |
| 31-12-2022 | micro format | 19-06-2023 | 2023-00140914 | |
| 31-12-2021 | micro format | 30-07-2022 | 2022-20262255 |
Timeline
Acts, filings and financial milestones
24-09
Gazette deed
Registered office moved from Bruxelles to Braine l'Alleud2 points ▸
- Board meeting, 09-09-2024
- Registered-office move, Rue de l'Hôpital,5 1420 Braine l'Alleud
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Rue Emile Banning 142, 1050 Bruxelles until 01-09-2024 · act of 24-09-2024
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25744E1598/00A000 | Wallonia | 543 m² | 1 · 357 m² | 18.7 m · 5 |