Skip to content

BECH

Active
Public limited companyfounded 199036 yrs activeFrançois Roffiaenstraat 11, 1050 Elsene, BelgiumKBO/BCE: BE 0441.045.340
Summary

BECH has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €165,669 and a net result of -€1,346. Equity remains stable across the filed fiscal years (±0.6% per year). The computed 12-month bankruptcy probability is 1.4% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability36=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.0 in 2023; short-term debt: 10.9% and cash: 0% of total assets), and 10.9% of the assets are financed with debt.
Credit check for your own amount and term

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

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 36 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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
89.1%
Return on assets
-0.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
3 d early
2023
76 d early
2022
3 d early
2021
37 d early
2020
120 d early
2019
116 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 59 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
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

BECH was incorporated on 13 June 1990.1 Total assets went from EUR 186,213 in 2018 to EUR 185,964 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 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
€165,669▼ 0.8%
2023 · €167,015
Total assets
€185,964=
2023 · €185,964
Net result
-€1,346▼ 6.0%
2023 · -€1,270
Working capital
-€20,251▼ 7.1%
2023 · -€18,905
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€363▲ 55.9%-€835▼ 130%-€1,234▼ 47.9%-€1,270▼ 2.9%-€1,286▼ 1.3%
Net result-€363▲ 55.9%-€835▼ 130%-€1,234▼ 47.9%-€1,270▼ 2.9%-€1,346▼ 6.0%
Equity€170,353▼ 0.2%€169,519▼ 0.5%€168,284▼ 0.7%€167,015▼ 0.8%€165,669▼ 0.8%
Total assets€185,964=€185,964=€185,964=€185,964=€185,964=
Debt€15,611▲ 2.4%€16,445▲ 5.3%€17,680▲ 7.5%€18,949▲ 7.2%€20,295▲ 7.1%
Working capital-€15,567▼ 2.4%-€16,401▼ 5.4%-€17,636▼ 7.5%-€18,905▼ 7.2%-€20,251▼ 7.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€1,500-€1,000-€500€0Operating result 2020: -€363-€363Net result 2020: -€363-€363Operating result 2021: -€835-€835Net result 2021: -€835-€835Operating result 2022: -€1,234-€1,234Net result 2022: -€1,234-€1,234Operating result 2023: -€1,270-€1,270Net result 2023: -€1,270-€1,270Operating result 2024: -€1,286-€1,286Net result 2024: -€1,346-€1,34620202021202220232024-€1,500-€1,000-€500€0Operating result 2022: -€1,234-€1,230Net result 2022: -€1,234-€1,230Operating result 2023: -€1,270-€1,270Net result 2023: -€1,270-€1,270Operating result 2024: -€1,286-€1,290Net result 2024: -€1,346-€1,350202220232024
The operating result stays negative: a loss of €1,286 in 2024 against €1,270 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €185,964
Fixed assets €185,920 =
Current assets €44 =
Equity and liabilities €185,964
Equity €165,669 ▼ 0.8%
Debt €20,295 ▲ 7.1%
Debt's share of the balance-sheet total rises from 10.2% to 10.9%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
Current ratio
0.00▼
2023 · 0.00
Debt to equity
0.12▲
2023 · 0.11
ROE
-0.8%▼
2023 · -0.8%
ROA
-0.7%▼
2023 · -0.7%
Debt ≤ 1 year
€20,295▲
2023 · €18,949
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.6% went bankrupt
8.5% stopped otherwise
90% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 12,321 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 · 25 lines
Balance sheet Code20232024
Assets
Total assets20/58€185,964€185,964=
Fixed assets21/28€185,920€185,920=
Tangible fixed assets22/27€185,920€185,920=
Land and buildings22€185,920€185,920=
Current assets29/58€44€44=
Cash at bank and in hand54/58€44€44=
Equity and liabilities
Total equity and liabilities10/49€185,964€185,964=
Equity10/15€167,015€165,669▼
Contributions10/11€193,357€193,357=
Capital10€193,357€193,357=
Issued capital100€193,357€193,357=
Profit (loss) carried forward14-€26,342-€27,688▼
Amounts payable17/49€18,949€20,295▲
Amounts payable within one year42/48€18,949€20,295▲
Other amounts payable47/48€18,949€20,295▲
Income statement Code20232024
Other operating charges640/8€384€387▲
Gross operating margin9900-€885-€899▼
Operating profit (loss)9901-€1,270-€1,286▼
Financial charges65/66B-€60
Recurring financial charges65-€60
Profit (loss) for the period before taxes9903-€1,270-€1,346▼
Profit (loss) for the period9904-€1,270-€1,346▼
Profit (loss) for the period to be appropriated9905-€1,270-€1,346▼
Appropriation of the result
Profit (loss) to be appropriated9906-€26,342-€27,688▼
Profit (loss) brought forward from the previous period14P-€25,073-€26,342▼

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

Line20202021202220232024Change
Other operating charges640/8-€348€348€384€387▲ 0.8%
Gross operating margin9900-€363-€487-€887-€885-€899▼ 1.6%
Operating profit (loss)9901-€363-€835-€1,234-€1,270-€1,286▼ 1.3%
Financial charges65/66B----€60-
Recurring financial charges65----€60-
Profit (loss) for the period before taxes9903-€363-€835-€1,234-€1,270-€1,346▼ 6.0%
Profit (loss) for the period9904-€363-€835-€1,234-€1,270-€1,346▼ 6.0%
Profit (loss) for the period to be appropriated9905-€363-€835-€1,234-€1,270-€1,346▼ 6.0%
Line20202021202220232024Change
Assets
Total assets20/58€185,964€185,964€185,964€185,964€185,964=
Fixed assets21/28€185,920€185,920€185,920€185,920€185,920=
Tangible fixed assets22/27€185,920€185,920€185,920€185,920€185,920=
Land and buildings22-€185,920€185,920€185,920€185,920=
Current assets29/58€44€44€44€44€44=
Cash at bank and in hand54/58€44€44€44€44€44=
Equity and liabilities
Total equity and liabilities10/49€185,964€185,964€185,964€185,964€185,964=
Equity10/15€170,353€169,519€168,284€167,015€165,669▼ 0.8%
Contributions10/11€193,357€193,357€193,357€193,357€193,357=
Capital10-€193,357€193,357€193,357€193,357=
Issued capital100-€193,357€193,357€193,357€193,357=
Profit (loss) carried forward14-€23,004-€23,838-€25,073-€26,342-€27,688▼ 5.1%
Amounts payable17/49€15,611€16,445€17,680€18,949€20,295▲ 7.1%
Amounts payable within one year42/48€15,611€16,445€17,680€18,949€20,295▲ 7.1%
Other amounts payable47/48-€16,445€17,680€18,949€20,295▲ 7.1%
Line20202021202220232024Change
Profit (loss) for the period9904-€363-€835-€1,234-€1,270-€1,346▼ 6.0%
Operating cash flow (approximation)-€363-€835-€1,234-€1,270-€1,346▼ 6.0%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash-€0€0€0€0-

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

2025
28-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet -€1,346
Net result drops to -€1,346, the lowest in the series.
16-05
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
02-04
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
06-04
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
12-04
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
02-06
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 306 days late
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, Elsene · 1 establishment unit since 1990
seat establishment The establishment unit on the map
Ground area
305 m²
Building footprint
131 m²
Volume, LiDAR
1,552 m³
Parcel 21443C0237/00W005, Brussels · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
5 companies at this address See who is registered here
1 establishment unit
François Roffiaenstraat 11, 1050 Elsene
Insurance, reinsurance and pension funding, except compulsory social security
since 19902.048.818.261
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21443C0237/00W005 Brussels 305 m² 1 · 131 m² 15.3 m · 4 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.

Structure & network

Owners and holdings

1 owner

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPublic limited company
Founded13-06-1990
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 28 September 2026 · Peppol Directory

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