Summary
Bilca 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 €222,718 and a net result of €62,686. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 36% of 8094 sector peers (fiscal year 2025). The company has been active since 2016 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
8 d early
2023
30 d late
2022
61 d early
2021
116 d late
2020
31 d late
2019
47 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 22 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. Usually files around 30 July (4 of the last 5 filed years within 60 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€222,718▲ 39.2%
2024 · €160,032
Net result
€62,686▼ 5.9%
2024 · €66,644
Total assets
€644,076▲ 6.7%
2024 · €603,463
Solvency
34.6%▲ 8.1pp
2024 · 26.5%
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€23,682▼ 73.5%-€74,602€76,594€102,178▲ 33.4%€100,296▼ 1.8%
Net result€3,475below the sector's middle half▼ 93.8%-€92,821below the sector's middle half€57,907within the sector's middle half€66,644within the sector's middle half▲ 15.1%€62,686within the sector's middle half▼ 5.9%
Equity€128,302below the sector's middle half=€35,481below the sector's middle half▼ 72.3%€93,388below the sector's middle half▲ 163%€160,032below the sector's middle half▲ 71.4%€222,718within the sector's middle half▲ 39.2%
Total assets€812,716within the sector's middle half▼ 5.9%€721,332within the sector's middle half▼ 11.2%€577,147below the sector's middle half▼ 20.0%€603,463below the sector's middle half▲ 4.6%€644,076within the sector's middle half▲ 6.7%
Debt€684,415▼ 7.0%€685,851▲ 0.2%€483,758▼ 29.5%€443,431▼ 8.3%€421,358▼ 5.0%
Working capital€84,857within the sector's middle half▼ 10.6%-€12,150within the sector's middle half€39,761within the sector's middle half€94,587within the sector's middle half▲ 138%€136,546within the sector's middle half▲ 44.4%
Solvency15.8%below the sector's middle half▲ 0.9pp4.9%below the sector's middle half▼ 10.9pp16.2%below the sector's middle half▲ 11.3pp26.5%within the sector's middle half▲ 10.3pp34.6%within the sector's middle half▲ 8.1pp
Current ratio1.43within the sector's middle half▼ 0.010.95within the sector's middle half▼ 0.481.69within the sector's middle half▲ 0.742.94within the sector's middle half▲ 1.253.33within the sector's middle half▲ 0.39
Return on assets (ROA)0.4%below the sector's middle half▼ 6.0pp-12.9%below the sector's middle half▼ 13.3pp10.0%within the sector's middle half▲ 22.9pp11.0%within the sector's middle half▲ 1.0pp9.7%within the sector's middle half▼ 1.3pp
Staff (FTE)0within the sector's middle half
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 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €644,076
Fixed assets
€448,987 ▼ 2.4%
Current assets
€195,089 ▲ 36.1%
Equity and liabilities €644,076
Equity
€222,718 ▲ 39.2%
Debt
€421,358 ▼ 5.0%
Debt's share of the balance-sheet total falls from 73.5% to 65.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
28.1%▼
2024 · 41.6%
Debt ≤ 1 year
€58,543▲
2024 · €48,784
Debt > 1 year
€362,815▼
2024 · €394,647
Income taxes
€24,403▲
2024 · €22,636
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 | - | - | - | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,335 | €25,541 | €24,382 | €21,412 | €20,656 | ▼ 3.5% |
| Other operating charges640/8 | €3,466 | €1,747 | €3,762 | €5,089 | €4,240 | ▼ 16.7% |
| Gross operating margin9900 | €53,484 | -€47,315 | €104,738 | €128,679 | €125,192 | ▼ 2.7% |
| Operating profit (loss)9901 | €23,682 | -€74,602 | €76,594 | €102,178 | €100,296 | ▼ 1.8% |
| Financial income75/76B | €112 | €0 | €1,049 | €1,023 | €922 | ▼ 9.8% |
| Recurring financial income75 | €112 | €0 | €1,049 | €1,023 | €922 | ▼ 9.8% |
| Financial charges65/66B | €15,411 | €16,786 | €13,774 | €13,921 | €14,129 | ▲ 1.5% |
| Recurring financial charges65 | €15,411 | €16,786 | €13,774 | €13,921 | €14,129 | ▲ 1.5% |
| Profit (loss) for the period before taxes9903 | €8,383 | -€91,388 | €63,869 | €89,280 | €87,089 | ▼ 2.5% |
| Income taxes67/77 | €4,908 | €1,432 | €5,962 | €22,636 | €24,403 | ▲ 7.8% |
| Profit (loss) for the period9904 | €3,475 | -€92,821 | €57,907 | €66,644 | €62,686 | ▼ 5.9% |
| Profit (loss) for the period to be appropriated9905 | €3,475 | -€92,821 | €57,907 | €66,644 | €62,686 | ▼ 5.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €812,716 | €721,332 | €577,147 | €603,463 | €644,076 | ▲ 6.7% |
| Fixed assets21/28 | €529,295 | €503,754 | €479,372 | €460,093 | €448,987 | ▼ 2.4% |
| Tangible fixed assets22/27 | €529,295 | €503,754 | €479,372 | €460,093 | €448,987 | ▼ 2.4% |
| Land and buildings22 | €523,629 | €500,677 | €478,883 | €458,188 | €438,518 | ▼ 4.3% |
| Plant, machinery and equipment23 | €1,460 | €730 | €0 | €1,905 | €1,478 | ▼ 22.4% |
| Furniture and vehicles24 | €4,205 | €2,347 | €489 | €0 | €8,991 | - |
| Current assets29/58 | €283,422 | €217,578 | €97,775 | €143,371 | €195,089 | ▲ 36.1% |
| Amounts receivable within one year40/41 | €82,550 | €193,663 | €62,740 | €117,453 | €172,666 | ▲ 47.0% |
| Trade receivables40 | €80,000 | €0 | - | €3,866 | €10,459 | ▲ 171% |
| Other amounts receivable41 | €2,550 | €193,663 | €62,740 | €113,588 | €162,207 | ▲ 42.8% |
| Cash at bank and in hand54/58 | €192,950 | €21,588 | €35,035 | €18,155 | €22,423 | ▲ 23.5% |
| Deferred charges and accrued income490/1 | €7,922 | €2,327 | €0 | €7,762 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €812,716 | €721,332 | €577,147 | €603,463 | €644,076 | ▲ 6.7% |
| Equity10/15 | €128,302 | €35,481 | €93,388 | €160,032 | €222,718 | ▲ 39.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €109,702 | €16,881 | €74,788 | €141,432 | €204,118 | ▲ 44.3% |
| Distributable reserves133 | €109,702 | €16,881 | €74,788 | €141,432 | €204,118 | ▲ 44.3% |
| Profit (loss) carried forward14 | €0 | €0 | - | - | - | - |
| Amounts payable17/49 | €684,415 | €685,851 | €483,758 | €443,431 | €421,358 | ▼ 5.0% |
| Amounts payable after more than one year17 | €485,799 | €456,123 | €425,744 | €394,647 | €362,815 | ▼ 8.1% |
| Financial debts170/4 | €485,799 | €456,123 | €425,744 | €394,647 | €362,815 | ▼ 8.1% |
| Amounts payable within one year42/48 | €198,565 | €229,728 | €58,014 | €48,784 | €58,543 | ▲ 20.0% |
| Current portion of amounts payable after more than one year42 | €28,991 | €29,676 | €38,349 | €31,097 | €31,832 | ▲ 2.4% |
| Trade debts44 | €446 | €1,598 | €3,413 | €2,788 | €9,653 | ▲ 246% |
| Suppliers440/4 | €446 | €1,598 | €3,413 | €2,788 | €9,653 | ▲ 246% |
| Taxes, remuneration and social security45 | €50,718 | €100,856 | €5,997 | €14,707 | €17,058 | ▲ 16.0% |
| Taxes450/3 | €50,718 | €94,499 | €5,997 | €13,191 | €17,058 | ▲ 29.3% |
| Remuneration and social security454/9 | - | €6,356 | €0 | €1,515 | €0 | ▼ 100% |
| Other amounts payable47/48 | €118,410 | €97,598 | €10,254 | €192 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €51 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,475 | -€92,821 | €57,907 | €66,644 | €62,686 | ▼ 5.9% |
| + Depreciation and write-downs630 | €26,335 | €25,541 | €24,382 | €21,412 | €20,656 | ▼ 3.5% |
| Operating cash flow (approximation) | €29,810 | -€67,280 | €82,289 | €88,056 | €83,343 | ▼ 5.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€2,133 | -€9,551 | ▼ 348% |
| Change in cash | - | -€171,362 | €13,447 | -€16,880 | €4,268 | ▲ 125% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200,000Eq €222,718 ▲39.2%
3 profitable years in a row build equity to €222,718.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150,000Eq €160,032 ▲71.4%
2 profitable years in a row build equity to €160,032.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €57,907
Net result €57,907 after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet -€92,821
Net result drops to -€92,821, the lowest in the series; recovery starts the following year.
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 116 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €100,000Eq €128,302 ▲77.3%
2 profitable years in a row build equity to €128,302.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €93,420
Net result €93,420 after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Turnhout · 1 establishment unit since 2016
Ground area
2,402 m²
Building footprint
427 m²
Volume, LiDAR
3,867 m³
2 parcels, Flanders · tallest building 16.5 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
BILCA
since 20162.250.623.001
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13040C0887/00C000 | Flanders | 1,513 m² | 1 · 165 m² | 11.0 m · 3 fl. |
| 31008I0442/00A000 | Flanders | 889 m² | 1 · 262 m² | 16.5 m · 4 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,555 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
Founded25-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0648988101
Also
9925:BE0648988101
Registered
28-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.