BDC CONSULTING
ActiveThe annual accounts of BDC CONSULTING for fiscal year 2024 show a net loss of 69% of total assets and of 92% of the equity at the start of that year. The 2024 annual accounts show equity of €1k and a net result of €-15k. Equity is shrinking by ~73.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 15% of 8968 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
32
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency31▼-60
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.61 against 1.31 in 2023; short-term debt: 94.1% and cash: 8.7% of total assets), and 94.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
5.9%
Return on assets
-68.6%
Age of the figures
21 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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-15k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 8968 sector peers (2024).
NBB · sector comparisonPosition among 8968 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
61 d late
2022
60 d late
2021
31 d early
2020
89 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1k▼ 92.0%
2023 · €16k
2018: €143k
2019: €60k
2020: €16k
2021: €14k
2022: €24k
2023: €16k
2018 → 2024
Total assets
€22k▼ 12.1%
2023 · €25k
2018: €171k
2019: €71k
2020: €25k
2021: €30k
2022: €40k
2023: €25k
2018 → 2024
Net result
€-15k▼ 92.9%
2023 · €-8k
2018: €28k
2019: €-82k
2020: €-44k
2021: €-1k
2022: €9k
2023: €-8k
2018 → 2024
Working capital
€-8k
2023 · €3k
2018: €141k
2019: €56k
2020: €14k
2021: €12k
2022: €22k
2023: €3k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€14k▼ 8.8%€24k▲ 64.0%€16k▼ 32.3%€1k▼ 92.0%
Operating result€-44k-€-1k▲ 97.2%€10k€-7k€-15k▼ 94.8%
Net result€-44k-€-1k▲ 96.8%€9k€-8k€-15k▼ 92.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2024 against €7k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €22k
Fixed assets
€9k▼ 32.3%
Current assets
€12k▲ 12.5%
Equity and liabilities €22k
Equity
€1k▼ 92.0%
Debt
€20k▲ 140%
The debt ratio rises from 34.5% to 94.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-10k▼
2023 · €-5k
Cash flow
€-10k▼
2023 · €-5k
Solvency
5.9%▼
2023 · 65.5%
Current ratio
0.61▼
2023 · 1.31
Quick ratio
0.61▼
2023 · 1.31
Debt / equity
15.83▲
2023 · 0.53
ROA
-68.6%▼
2023 · -31.3%
Interest coverage
-78.58▼
2023 · -22.38
Debt
€20k▲
2023 · €8k
Debt ≤ 1 year
€20k▲
2023 · €8k
Income taxes
€140▲
2023 · €132
A ratio outside any meaningful range has been withheld (balance sheet total €22k, equity €1k).
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€25k€22k▼
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€9k▼
Furniture and vehicles24€9k€5k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€11k€12k▲
Amounts receivable within one year40/41€6k€10k▲
Trade receivables40€4k€8k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€914€831▼
Equity and liabilities
Total equity and liabilities10/49€25k€22k▼
Equity10/15€16k€1k▼
Contributions10/11€6k€6k=
Reserves13€7k-
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€5k-
Profit (loss) carried forward14€3k€-5k▼
Amounts payable17/49€8k€20k▲
Amounts payable within one year42/48€8k€20k▲
Trade debts44€543€3k▲
Suppliers440/4€543€3k▲
Taxes, remuneration and social security45€6k€309▼
Taxes450/3€6k€309▼
Other amounts payable47/48€2k€17k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€640€613▼
Gross operating margin9900€-4k€-10k▼
Operating profit (loss)9901€-7k€-15k▼
Financial income75/76B€130€0▼
Recurring financial income75€130€0▼
Financial charges65/66B€209€130▼
Recurring financial charges65€209€130▼
Profit (loss) for the period before taxes9903€-8k€-15k▼
Income taxes67/77€132€140▲
Profit (loss) for the period9904€-8k€-15k▼
Profit (loss) for the period to be appropriated9905€-8k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-12k▼
Profit (loss) brought forward from the previous period14P€720€3k▲
Transfer from equity791/2€10k€7k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €-82k ▼392%
Net result drops to €-82k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lasne · 1 establishment unit since 2001
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.
Rue de Payot 161380 LasneGround area
8,274 m²
Building footprint
428 m²
Volume, LiDAR
1,930 m³
2 parcels, Wallonia · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Griottes(WP) 6, 5100 Namur
since 20012.097.842.259
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051A0050/00E000 | Wallonia | 6,802 m² | 1 · 299 m² | 11.3 m · 2 fl. |
| 92135E0095/00A000 | Wallonia | 1,473 m² | 1 · 129 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,715 companies in sector 73200 we hold annual accounts for 1,785. 144 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2001
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.