Bloch en Co

Active

Public limited companyfounded 199531 yrs activeHoveniersstraat 1-9, 2018 Antwerpen, BelgiumKBO/BCE: BE 0455.128.255

Summary

Bloch en Co has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.75M and a net result of €-9k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 9038 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2024

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability37▼-35

Solvency81=

Growth52=

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €220k at 30 days only on tighter terms

Liquidity ample (current ratio 2.42 against 2.46 in 2023; short-term debt: 37.1% and cash: 1.9% of total assets), and 44.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises 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

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

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

55.7%

Return on assets

-0.1%

Age of the figures

21 mo

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-11-2025, 110 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

110 d late

2023

58 d late

2022

65 d late

2021

60 d late

2020

24 d late

2019

28 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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

Financials · fiscal year 2024, abbreviated schema

Equity

€3.75M▼ 0.2%

2023 · €3.76M

2018: €2.25M 2019: €2.52M 2020: €2.81M 2021: €3.33M 2022: €3.60M 2023: €3.76M

2018 → 2024

Total assets

€6.73M▲ 1.1%

2023 · €6.65M

2018: €4.08M 2019: €4.53M 2020: €5.05M 2021: €6.47M 2022: €7.09M 2023: €6.65M

2018 → 2024

Net result

€-9k

2023 · €198k

2018: €300k 2019: €348k 2020: €337k 2021: €564k 2022: €313k 2023: €198k

2018 → 2024

Working capital

€3.55M▼ 0.4%

2023 · €3.57M

2018: €2.17M 2019: €2.44M 2020: €2.47M 2021: €3.10M 2022: €3.46M 2023: €3.57M

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€2.81M-€3.33M▲ 18.5%€3.60M▲ 8.0%€3.76M▲ 4.3%€3.75M▼ 0.2%

Operating result€473k-€846k▲ 78.7%€520k▼ 38.5%€308k▼ 40.7%€58k▼ 81.2%

Net result€337k-€564k▲ 67.5%€313k▼ 44.5%€198k▼ 36.6%€-9k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2024 is 81% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €6.73M

10%

90.0%

Fixed assets €674k ▲ 4.6%

Current assets €6.05M ▲ 0.7%

Equity and liabilities €6.73M

55.7%

44.3%

Equity €3.75M ▼ 0.2%

Debt €2.98M ▲ 2.9%

Debt's share of the balance-sheet total rises from 43.6% to 44.3%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€157k▼

2023 · €416k

Cash flow

€90k▼

2023 · €306k

Current ratio

2.42▼

2023 · 2.46

Quick ratio

0.75▼

2023 · 0.80

Debt to equity

0.80▲

2023 · 0.77

ROE

-0.2%▼

2023 · 5.3%

ROA

-0.1%▼

2023 · 3.0%

Interest coverage

2.21▼

2023 · 6.19

Debt ≤ 1 year

€2.50M▲

2023 · €2.44M

Debt > 1 year

€482k▲

2023 · €445k

Income taxes

€10k▼

2023 · €79k

Staff costs

€562k▼

2023 · €572k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 62 lines

Balance sheet Code20232024

Assets

Total assets20/58€6.65M€6.73M▲

Fixed assets21/28€644k€674k▲

Tangible fixed assets22/27€644k€673k▲

Land and buildings22€315k€304k▼

Plant, machinery and equipment23€189k€160k▼

Furniture and vehicles24€128k€198k▲

Other tangible fixed assets26€11k€11k=

Financial fixed assets28€740€740=

Current assets29/58€6.01M€6.05M▲

Amounts receivable after more than one year29€6k-

Other amounts receivable291€6k-

Stocks and contracts in progress3€4.05M€4.17M▲

Stocks30/36€4.05M€4.17M▲

Amounts receivable within one year40/41€1.88M€1.72M▼

Trade receivables40€1.63M€1.46M▼

Other amounts receivable41€254k€255k▲

Cash at bank and in hand54/58€34k€129k▲

Deferred charges and accrued income490/1€36k€39k▲

Equity and liabilities

Total equity and liabilities10/49€6.65M€6.73M▲

Equity10/15€3.76M€3.75M▼

Contributions10/11€416k€416k=

Capital10€416k€416k=

Issued capital100€416k€416k=

Reserves13€3.34M€3.33M▼

Non-distributable reserves130/1€42k€42k=

Legal reserve130€42k€42k=

Distributable reserves133€3.30M€3.29M▼

Amounts payable17/49€2.90M€2.98M▲

Amounts payable after more than one year17€445k€482k▲

Financial debts170/4€445k€482k▲

Amounts payable within one year42/48€2.44M€2.50M▲

Current portion of amounts payable after more than one year42€189k€173k▼

Financial debts43€590k€610k▲

Credit institutions430/8€590k€610k▲

Trade debts44€1.46M€1.58M▲

Suppliers440/4€1.46M€1.58M▲

Advances received on contracts in progress46€5k€6k▲

Taxes, remuneration and social security45€64k€57k▼

Taxes450/3€2k€2k▲

Remuneration and social security454/9€62k€55k▼

Other amounts payable47/48€130k€72k▼

Accrued charges and deferred income492/3€11k-

Income statement Code20232024

Remuneration, social security and pensions62€572k€562k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€108k€99k▼

Other operating charges640/8€6k€6k▲

Gross operating margin9900€994k€724k▼

Operating profit (loss)9901€308k€58k▼

Financial income75/76B€36k€14k▼

Recurring financial income75€36k€14k▼

Financial charges65/66B€67k€71k▲

Recurring financial charges65€67k€71k▲

Profit (loss) for the period before taxes9903€277k€768▼

Income taxes67/77€79k€10k▼

Profit (loss) for the period9904€198k€-9k▼

Profit (loss) for the period to be appropriated9905€198k€-9k▼

Appropriation of the result

Profit (loss) to be appropriated9906€198k€-9k▼

Transfer from equity791/2-€9k

Transfer to equity691/2€153k-

To other reserves6921€153k-

Profit to be distributed694/7€45k-

Directors or managers695€45k-

Social balance

Average headcount (FTE)90878.57.3▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

2025

18-11

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 110 days late

2024

31-12

Financial Weakest financial yearnet €-9k ▼104%

Net result drops to €-9k, the lowest in the series.

27-09

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 58 days late

2023

04-10

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 65 days late

2022

29-09

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 60 days late

2021

31-12

Financial Highest result since 2018net €564k ▲67.5%

Operating result €846k, net result €564k, both a record.

24-08

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 24 days late

2020

28-08

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 28 days late

2019

04-07

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

19-07

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

30-06

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

2016

18-08

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 18 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

7 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, Antwerpen · 1 establishment unit since 1995

establishment The establishment unit on the map

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.

Hoveniersstraat 1-92018 Antwerpen

Ground area

288 m²

Building footprint

66 m²

Volume, LiDAR

1,242 m³

Parcel 11808H1179/00M021, Flanders · tallest building 23.6 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

Hoveniersstraat 1-9, 2018 Antwerpen

Manufacture of jewellery

since 19952.071.759.553

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11808H1179/00M021	Flanders	288 m²	1 · 66 m²	23.6 m · 6 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel 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

2022 to 2025 · 5 entries · 53,375 EUR awarded · 53,375 EUR paid

Year	Entries	awarded	paid
2025	1	16,125 EUR	16,125 EUR
2024	1	11,125 EUR	11,125 EUR
2023	1	11,125 EUR	16,125 EUR
2022	2	15,000 EUR	10,000 EUR

Schemes

Subsidies voor internationaal ondernemen

4 entries · 48,375 EUR · 53,375 EUR paid · Vlaams Agentschap voor Internationaal Ondernemen

Recognitions · licences · registrations

Legal Entity Identifier

967600A8TEZFIKMYUN90

live in the LEI register

Similar companies · same sector, comparable size

Antwerpen · Eq €3.71M

SIMA DIAMOND

BE 0437.668.057

Antwerpen · Eq €3.85M

Premier Diamond Corporation

BE 0404.981.730

Antwerpen · Eq €3.92M

Pandora Jewellery Belgium

BE 0674.533.248

Antwerpen · Eq €3.43M

Of 567 companies in sector 46480 we hold annual accounts for 353. 97 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPublic limited company

Founded03-05-1995

Fiscal year end31-12

Activities, NACEBEL 2025

46480Wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers

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