Summary
BIC consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €155,264 and a net result of €29,827. Equity is growing by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 39% of 5565 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
28 d late
2023
30 d late
2022
28 d late
2021
2 d early
2020
109 d early
2019
39 d late
← 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 4 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 oldest company in Herentals, Finance and insurance sector
Equity
€155,264▲ 23.8%
2024 · €125,437
Net result
€29,827▼ 14.3%
2024 · €34,820
Total assets
€391,987▼ 6.4%
2024 · €418,940
Solvency
39.6%▲ 9.7pp
2024 · 29.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20212022202320242025
Operating result€43,023▲ 193%€38,862▼ 9.7%€50,605▲ 30.2%€59,825▲ 18.2%€52,229▼ 12.7%
Net result€21,302within the sector's middle half▲ 2,596%€18,627within the sector's middle half▼ 12.6%€27,657within the sector's middle half▲ 48.5%€34,820within the sector's middle half▲ 25.9%€29,827within the sector's middle half▼ 14.3%
Equity€44,334within the sector's middle half▲ 92.5%€62,960within the sector's middle half▲ 42.0%€90,617within the sector's middle half▲ 43.9%€125,437within the sector's middle half▲ 38.4%€155,264below the sector's middle half▲ 23.8%
Total assets€410,579within the sector's middle half▼ 5.6%€412,246within the sector's middle half▲ 0.4%€397,212within the sector's middle half▼ 3.6%€418,940within the sector's middle half▲ 5.5%€391,987below the sector's middle half▼ 6.4%
Debt€366,245▼ 11.1%€349,286▼ 4.6%€306,595▼ 12.2%€293,503▼ 4.3%€236,723▼ 19.3%
Working capital-€67,921▲ 17.2%-€63,695▲ 6.2%-€52,035▲ 18.3%-€97,002▼ 86.4%-€101,553▼ 4.7%
Solvency10.8%below the sector's middle half▲ 5.5pp15.3%below the sector's middle half▲ 4.5pp22.8%below the sector's middle half▲ 7.5pp29.9%within the sector's middle half▲ 7.1pp39.6%within the sector's middle half▲ 9.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €391,987
Fixed assets
€374,440 ▼ 6.3%
Current assets
€17,547 ▼ 8.9%
Equity and liabilities €391,987
Equity
€155,264 ▲ 23.8%
Debt
€236,723 ▼ 19.3%
Debt's share of the balance-sheet total falls from 70.1% to 60.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
19.2%▼
2024 · 27.8%
ROA
7.6%▼
2024 · 8.3%
Debt ≤ 1 year
€119,100▲
2024 · €116,271
Debt > 1 year
€117,623▼
2024 · €177,232
Income taxes
€15,605▼
2024 · €16,741
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €10,000 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,105 | €20,672 | €19,379 | €24,602 | €28,742 | ▲ 16.8% |
| Other operating charges640/8 | €3,412 | €3,086 | €4,836 | €3,441 | €3,387 | ▼ 1.6% |
| Gross operating margin9900 | €66,540 | €62,620 | €74,820 | €87,868 | €84,358 | ▼ 4.0% |
| Operating profit (loss)9901 | €43,023 | €38,862 | €50,605 | €59,825 | €52,229 | ▼ 12.7% |
| Financial income75/76B | €13 | €19 | €15 | €15 | €7 | ▼ 53.3% |
| Recurring financial income75 | €13 | €19 | €15 | €15 | €7 | ▼ 53.3% |
| Financial charges65/66B | €11,877 | €10,967 | €9,748 | €8,279 | €6,804 | ▼ 17.8% |
| Recurring financial charges65 | €11,877 | €10,967 | €9,748 | €8,279 | €6,804 | ▼ 17.8% |
| Profit (loss) for the period before taxes9903 | €31,159 | €27,914 | €40,872 | €51,561 | €45,432 | ▼ 11.9% |
| Income taxes67/77 | €9,857 | €9,287 | €13,215 | €16,741 | €15,605 | ▼ 6.8% |
| Profit (loss) for the period9904 | €21,302 | €18,627 | €27,657 | €34,820 | €29,827 | ▼ 14.3% |
| Profit (loss) for the period to be appropriated9905 | €21,302 | €18,627 | €27,657 | €34,820 | €29,827 | ▼ 14.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €410,579 | €412,246 | €397,212 | €418,940 | €391,987 | ▼ 6.4% |
| Fixed assets21/28 | €398,521 | €394,858 | €375,479 | €399,671 | €374,440 | ▼ 6.3% |
| Tangible fixed assets22/27 | €398,521 | €394,858 | €375,479 | €399,671 | €374,440 | ▼ 6.3% |
| Furniture and vehicles24 | €7,895 | €2,909 | - | €40,662 | €28,463 | ▼ 30.0% |
| Other tangible fixed assets26 | €390,626 | €391,949 | €375,479 | €359,009 | €345,977 | ▼ 3.6% |
| Current assets29/58 | €12,058 | €17,388 | €21,733 | €19,269 | €17,547 | ▼ 8.9% |
| Amounts receivable within one year40/41 | €10,741 | €15,530 | €15,332 | €14,894 | €16,432 | ▲ 10.3% |
| Trade receivables40 | €10,741 | €15,530 | €15,332 | €14,894 | €16,432 | ▲ 10.3% |
| Cash at bank and in hand54/58 | €172 | €677 | €5,206 | €3,400 | €39 | ▼ 98.9% |
| Deferred charges and accrued income490/1 | €1,145 | €1,181 | €1,195 | €975 | €1,076 | ▲ 10.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €410,579 | €412,246 | €397,212 | €418,940 | €391,987 | ▼ 6.4% |
| Equity10/15 | €44,334 | €62,960 | €90,617 | €125,437 | €155,264 | ▲ 23.8% |
| Contributions10/11 | €61,974 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Capital10 | €61,974 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Issued capital100 | €61,974 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Reserves13 | - | €987 | €2,369 | €40,197 | €68,197 | ▲ 69.7% |
| Non-distributable reserves130/1 | - | €987 | €2,369 | €6,197 | €6,197 | = |
| Legal reserve130 | - | €987 | €2,369 | €6,197 | €6,197 | = |
| Distributable reserves133 | - | - | - | €34,000 | €62,000 | ▲ 82.4% |
| Profit (loss) carried forward14 | -€17,640 | - | €26,275 | €23,267 | €25,094 | ▲ 7.9% |
| Amounts payable17/49 | €366,245 | €349,286 | €306,595 | €293,503 | €236,723 | ▼ 19.3% |
| Amounts payable after more than one year17 | €286,266 | €268,203 | €232,827 | €177,232 | €117,623 | ▼ 33.6% |
| Financial debts170/4 | €224,293 | €206,230 | €170,854 | €115,259 | €77,623 | ▼ 32.7% |
| Other amounts payable178/9 | €61,973 | €61,973 | €61,973 | €61,973 | €40,000 | ▼ 35.5% |
| Amounts payable within one year42/48 | €79,979 | €81,083 | €73,768 | €116,271 | €119,100 | ▲ 2.4% |
| Current portion of amounts payable after more than one year42 | €29,486 | €33,997 | €35,376 | €35,969 | €37,636 | ▲ 4.6% |
| Financial debts43 | €6,472 | €3,578 | €6,667 | €8,357 | €8,351 | ▼ 0.1% |
| Credit institutions430/8 | €6,472 | €3,578 | €6,667 | €8,357 | €8,351 | ▼ 0.1% |
| Trade debts44 | €1,119 | €382 | €292 | €203 | €2,861 | ▲ 1,309% |
| Suppliers440/4 | €1,119 | €382 | €292 | €203 | €2,861 | ▲ 1,309% |
| Taxes, remuneration and social security45 | €11,243 | €24,686 | €22,583 | €17,444 | €20,767 | ▲ 19.0% |
| Taxes450/3 | €11,243 | €24,686 | €22,583 | €17,444 | €20,767 | ▲ 19.0% |
| Other amounts payable47/48 | €31,659 | €18,440 | €8,850 | €54,298 | €49,485 | ▼ 8.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,302 | €18,627 | €27,657 | €34,820 | €29,827 | ▼ 14.3% |
| + Depreciation and write-downs630 | €20,105 | €20,672 | €19,379 | €24,602 | €28,742 | ▲ 16.8% |
| Operating cash flow (approximation) | €41,407 | €39,299 | €47,036 | €59,422 | €58,569 | ▼ 1.4% |
| Investment in fixed assets (approximation) | - | -€17,009 | €0 | -€48,794 | -€3,511 | ▲ 92.8% |
| Change in cash | - | €505 | €4,529 | -€1,806 | -€3,361 | ▼ 86.1% |
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Equity above €150,000Eq €155,264 ▲23.8%
8 profitable years in a row build equity to €155,264.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €34,820 ▲25.9%
Operating result €59,825, net result €34,820, both a record.
31-12
Financial
Equity above €100,000Eq €125,437 ▲38.4%
7 profitable years in a row build equity to €125,437.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €790 ▼85.1%
Net result drops to €790, the lowest in the series; recovery starts the following year.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 39 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Herentals · 1 establishment unit since 1996
Ground area
821 m²
Building footprint
155 m²
Volume, LiDAR
1,326 m³
Parcel 13011B0444/00G004, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IMMO-MAYA
since 19962.076.751.687
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011B0444/00G004 | Flanders | 821 m² | 1 · 155 m² | 12.3 m · 3 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,301 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded07-05-1996
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0457918489
Also
9925:BE0457918489
Registered
12-10-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.