BDC Consult
ActiveSummary
BDC Consult has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €313,164 and a net result of €60,151. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 34% of 10552 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-3
Solvency48▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.53 in 2024; short-term debt: 18.1% and cash: 6.5% of total assets), and 76.9% of the assets are financed with debt.
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Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
23.1%
Return on assets
4.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-03-2026, 41 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
41 d early
2024
37 d early
2023
35 d early
2022
39 d early
2021
30 d early
2020
38 d early
2019
36 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 37 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 24 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€313,164▲ 0.6%
2024 · €311,355
Total assets
€1.4m▲ 26.7%
2024 · €1.1m
Net result
€60,151▼ 19.0%
2024 · €74,301
Working capital
€105,327▲ 12.8%
2024 · €93,393
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€131,615▲ 55.6%€74,823▼ 43.1%€75,637▲ 1.1%€121,024▲ 60.0%€97,217▼ 19.7%
Net result€78,039above the sector's middle half▲ 37.7%€44,154within the sector's middle half▼ 43.4%€43,083within the sector's middle half▼ 2.4%€74,301within the sector's middle half▲ 72.5%€60,151within the sector's middle half▼ 19.0%
Equity€198,212above the sector's middle half▲ 14.5%€217,822within the sector's middle half▲ 9.9%€257,326within the sector's middle half▲ 18.1%€311,355within the sector's middle half▲ 21.0%€313,164within the sector's middle half▲ 0.6%
Total assets€1.2mabove the sector's middle half▼ 1.3%€1.2mwithin the sector's middle half▲ 0.6%€1.1mwithin the sector's middle half▼ 3.5%€1.1mwithin the sector's middle half▼ 4.1%€1.4mwithin the sector's middle half▲ 26.7%
Debt€952,440▼ 4.0%€939,857▼ 1.3%€859,519▼ 8.5%€759,337▼ 11.7%€1.0m▲ 37.5%
Working capital-€62,637below the sector's middle half▲ 53.8%-€54,423below the sector's middle half▲ 13.1%€10,591below the sector's middle half€93,393within the sector's middle half▲ 782%€105,327within the sector's middle half▲ 12.8%
Solvency17.2%within the sector's middle half▲ 2.4pp18.8%within the sector's middle half▲ 1.6pp23.0%within the sector's middle half▲ 4.2pp29.1%within the sector's middle half▲ 6.0pp23.1%within the sector's middle half▼ 6.0pp
Current ratio0.77below the sector's middle half▲ 0.240.79below the sector's middle half▲ 0.021.05below the sector's middle half▲ 0.251.53within the sector's middle half▲ 0.491.43within the sector's middle half▼ 0.10
Return on assets (ROA)6.8%within the sector's middle half▲ 1.9pp3.8%within the sector's middle half▼ 3.0pp3.9%within the sector's middle half=6.9%within the sector's middle half▲ 3.1pp4.4%within the sector's middle half▼ 2.5pp
Staff (FTE)0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.0m ▲ 25.4%
Current assets
€351,471 ▲ 30.6%
Equity and liabilities €1.4m
Equity
€313,164 ▲ 0.6%
Debt
€1.0m ▲ 37.5%
Debt's share of the balance-sheet total rises from 70.9% to 76.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€178,323▼
2024 · €198,077
Cash flow
€141,258▼
2024 · €151,354
Quick ratio
0.70▲
2024 · 0.60
Debt to equity
3.33▲
2024 · 2.44
ROE
19.2%▼
2024 · 23.9%
Interest coverage
12.76▼
2024 · 14.08
Debt ≤ 1 year
€246,144▲
2024 · €175,669
Debt > 1 year
€793,549▲
2024 · €577,763
Income taxes
€23,410▼
2024 · €32,981
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,105 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 98% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.0%
went bankrupt
0.9%
stopped otherwise
98%
still going
A further 0.1% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.8% |
| 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 4,105 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €5,372 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €69,792 | €76,973 | €78,357 | €77,053 | €81,106 | ▲ 5.3% |
| Other operating charges640/8 | - | €6,201 | €6,119 | €5,876 | €33,758 | ▲ 474% |
| Gross operating margin9900 | €211,169 | €157,997 | €160,113 | €203,953 | €212,081 | ▲ 4.0% |
| Operating profit (loss)9901 | €131,615 | €74,823 | €75,637 | €121,024 | €97,217 | ▼ 19.7% |
| Financial income75/76B | - | €663 | €14 | €329 | €316 | ▼ 4.1% |
| Recurring financial income75 | €0 | €663 | €14 | €329 | €316 | ▼ 4.1% |
| Financial charges65/66B | - | €13,679 | €14,245 | €14,071 | €13,971 | ▼ 0.7% |
| Recurring financial charges65 | €20,002 | €13,679 | €14,245 | €14,071 | €13,971 | ▼ 0.7% |
| Profit (loss) for the period before taxes9903 | €111,613 | €61,807 | €61,406 | €107,282 | €83,562 | ▼ 22.1% |
| Income taxes67/77 | €33,575 | €17,653 | €18,323 | €32,981 | €23,410 | ▼ 29.0% |
| Profit (loss) for the period9904 | €78,039 | €44,154 | €43,083 | €74,301 | €60,151 | ▼ 19.0% |
| Profit (loss) for the period to be appropriated9905 | €78,039 | €44,154 | €43,083 | €74,301 | €60,151 | ▼ 19.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.2m | €1.1m | €1.1m | €1.4m | ▲ 26.7% |
| Fixed assets21/28 | €942,810 | €950,760 | €877,920 | €801,630 | €1.0m | ▲ 25.4% |
| Intangible fixed assets21 | €2,930 | €2,130 | €1,330 | €530 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €939,013 | €947,763 | €875,723 | €800,600 | €1.0m | ▲ 25.5% |
| Land and buildings22 | - | €884,934 | €824,166 | €763,733 | €923,357 | ▲ 20.9% |
| Plant, machinery and equipment23 | - | €9,697 | €7,189 | €4,899 | €3,924 | ▼ 19.9% |
| Furniture and vehicles24 | - | €53,132 | €44,367 | €31,968 | €18,682 | ▼ 41.6% |
| Other tangible fixed assets26 | - | - | - | - | €58,979 | - |
| Financial fixed assets28 | €867 | €867 | €867 | €500 | €500 | = |
| Current assets29/58 | €207,842 | €206,920 | €238,925 | €269,062 | €351,471 | ▲ 30.6% |
| Stocks and contracts in progress3 | €142,881 | €138,252 | €155,395 | €164,082 | €179,819 | ▲ 9.6% |
| Stocks30/36 | - | €138,252 | €155,395 | €164,082 | €179,819 | ▲ 9.6% |
| Amounts receivable within one year40/41 | €61,868 | €50,025 | €72,895 | €57,745 | €78,518 | ▲ 36.0% |
| Trade receivables40 | - | €48,791 | €71,561 | €56,828 | €76,920 | ▲ 35.4% |
| Other amounts receivable41 | - | €1,234 | €1,334 | €916 | €1,598 | ▲ 74.4% |
| Cash at bank and in hand54/58 | €1,314 | €15,980 | €7,129 | €34,156 | €88,300 | ▲ 159% |
| Deferred charges and accrued income490/1 | - | €2,663 | €3,506 | €13,080 | €4,834 | ▼ 63.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.2m | €1.1m | €1.1m | €1.4m | ▲ 26.7% |
| Equity10/15 | €198,212 | €217,822 | €257,326 | €311,355 | €313,164 | ▲ 0.6% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €178,212 | €197,822 | €237,326 | €291,355 | €293,164 | ▲ 0.6% |
| Non-distributable reserves130/1 | - | €2,000 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €0 | - | - | - |
| Distributable reserves133 | - | €195,822 | €237,326 | €291,355 | €293,164 | ▲ 0.6% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €952,440 | €939,857 | €859,519 | €759,337 | €1.0m | ▲ 37.5% |
| Amounts payable after more than one year17 | €675,044 | €673,697 | €626,047 | €577,763 | €793,549 | ▲ 37.3% |
| Financial debts170/4 | - | €673,697 | €626,047 | €577,763 | €793,549 | ▲ 37.3% |
| Amounts payable within one year42/48 | €270,479 | €261,342 | €228,334 | €175,669 | €246,144 | ▲ 40.1% |
| Current portion of amounts payable after more than one year42 | - | €49,708 | €50,412 | €51,086 | €62,294 | ▲ 21.9% |
| Financial debts43 | - | €1,146 | €9,536 | €398 | €366 | ▼ 7.9% |
| Credit institutions430/8 | - | €1,146 | €9,536 | €398 | €366 | ▼ 7.9% |
| Trade debts44 | €62,507 | €83,286 | €56,509 | €31,029 | €46,639 | ▲ 50.3% |
| Suppliers440/4 | - | €83,286 | €56,509 | €31,029 | €46,639 | ▲ 50.3% |
| Advances received on contracts in progress46 | - | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €34,307 | €19,305 | €53,888 | €30,154 | ▼ 44.0% |
| Taxes450/3 | - | €30,251 | €15,184 | €49,888 | €26,154 | ▼ 47.6% |
| Remuneration and social security454/9 | - | €4,056 | €4,120 | €4,000 | €4,000 | = |
| Other amounts payable47/48 | - | €92,896 | €92,571 | €39,269 | €106,691 | ▲ 172% |
| Accrued charges and deferred income492/3 | - | €4,818 | €5,139 | €5,905 | €4,056 | ▼ 31.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €78,039 | €44,154 | €43,083 | €74,301 | €60,151 | ▼ 19.0% |
| + Depreciation and write-downs630 | €69,792 | €76,973 | €78,357 | €77,053 | €81,106 | ▲ 5.3% |
| Operating cash flow (approximation) | €147,831 | €121,127 | €121,440 | €151,354 | €141,258 | ▼ 6.7% |
| Investment in fixed assets (approximation) | - | -€84,922 | -€5,517 | -€763 | -€284,918 | ▼ 37,230% |
| Change in cash | - | €14,666 | -€8,851 | €27,027 | €54,145 | ▲ 100% |
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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Equity above €200,000Eq €217,822 ▲9.9%
4 profitable years in a row build equity to €217,822.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €78,039 ▲37.7%
Operating result €131,615, net result €78,039, both a record.
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €150,000Eq €173,138 ▲48.7%
2 profitable years in a row build equity to €173,138.
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €28,575
Net result €28,575 after one loss-making year.
30-09
Financial
Equity above €100,000Eq €116,462 ▲32.5%
Equity rises from €87,887 to €116,462.
08-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Waregem · 2 establishment units since 2016
Ground area
1,182 m²
Building footprint
525 m²
Volume, LiDAR
1,716 m³
2 parcels, Flanders · tallest building 11.4 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Wijnen BDC
since 20162.252.708.501
Wijnen BDC
since 20262.387.752.394
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34040C0435/00S002 | Flanders | 806 m² | 1 · 180 m² | 4.8 m |
| 34040C0401/00K000 | Flanders | 377 m² | 1 · 345 m² | 11.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 3,694 EUR awarded · 3,694 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,694 EUR | 1,694 EUR |
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteWaregem2.252.708.501
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Of 2,335 companies in sector 47251 we hold annual accounts for 422. 259 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
Founded24-10-2007
Fiscal year end30-09
Activities, NACEBEL 2025
47251Retail sale of wines and spirits
46349Wholesale of beverages, general range
47279Other retail sale of food
47551Retail sale of household furniture
68201Renting and operating of own or leased residential real estate, excluding social housing
71112Activities of interior architects
81300Landscape service activities
82990Other business support services
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0893267852
Also
9925:BE0893267852
Registered
09-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.