BNC
ActiveBNC has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €-68k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-34
Solvency56▼-10
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 1.0 against 2.01 in 2024; short-term debt: 22.6% and cash: 3.2% of total assets), and 69.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-68k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
57 d late
2023
72 d late
2022
92 d late
2021
12 d late
2020
9 d early
2019
19 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▼ 27.7%
2024 · €247k
2018: €145k
2019: €181k
2020: €211k
2021: €246k
2022: €248k
2023: €293k
2024: €247k
2018 → 2025
Total assets
€582k▼ 4.4%
2024 · €609k
2018: €213k
2019: €239k
2020: €265k
2021: €295k
2022: €351k
2023: €484k
2024: €609k
2018 → 2025
Net result
€-68k▼ 1,268,380%
2024 · €-5
2018: €43k
2019: €36k
2020: €30k
2021: €35k
2022: €15k
2023: €45k
2024: €-5
2018 → 2025
Working capital
€-303
2024 · €83k
2018: €136k
2019: €172k
2020: €188k
2021: €227k
2022: €228k
2023: €228k
2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€246k-€248k▲ 0.8%€293k▲ 18.0%€247k▼ 15.8%€178k▼ 27.7%
Operating result€46k-€17k▼ 63.5%€65k▲ 282%€11k▼ 82.7%€-49k
Net result€35k-€15k▼ 58.7%€45k▲ 206%€-5€-68k▼ 1,268,380%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €49k after €11k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €582k
Fixed assets
€451k▲ 1.3%
Current assets
€132k▼ 19.8%
Equity and liabilities €582k
Equity
€178k▼ 27.7%
Debt
€404k▲ 11.5%
The debt ratio rises from 59.5% to 69.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-36k▼
2024 · €25k
Cash flow
€-55k▼
2024 · €13k
Solvency
30.6%▼
2024 · 40.5%
Current ratio
1.00▼
2024 · 2.01
Quick ratio
0.42▼
2024 · 0.65
Debt / equity
2.27▲
2024 · 1.47
ROE
-38.4%▼
2024 · 0.0%
ROA
-11.7%▼
2024 · 0.0%
Interest coverage
-1.87▼
2024 · 2.31
Debt
€404k▲
2024 · €362k
Debt ≤ 1 year
€132k▲
2024 · €82k
Debt > 1 year
€269k▼
2024 · €280k
Income taxes
€187▼
2024 · €926
Staff costs
€220k▲
2024 · €182k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€609k€582k▼
Fixed assets21/28€445k€451k▲
Tangible fixed assets22/27€437k€443k▲
Land and buildings22€429k€433k▲
Furniture and vehicles24€5k€7k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€8k€8k=
Current assets29/58€164k€132k▼
Stocks and contracts in progress3€111k€77k▼
Stocks30/36€111k€77k▼
Amounts receivable within one year40/41€30k€32k▲
Trade receivables40€13k€18k▲
Other amounts receivable41€17k€15k▼
Cash at bank and in hand54/58€23k€19k▼
Deferred charges and accrued income490/1€719€4k▲
Equity and liabilities
Total equity and liabilities10/49€609k€582k▼
Equity10/15€247k€178k▼
Contributions10/11€45k€45k=
Reserves13€155k€150k▼
Distributable reserves133€155k€150k▼
Profit (loss) carried forward14€47k€-17k▼
Amounts payable17/49€362k€404k▲
Amounts payable after more than one year17€280k€269k▼
Financial debts170/4€280k€249k▼
Other amounts payable178/9-€20k
Amounts payable within one year42/48€82k€132k▲
Current portion of amounts payable after more than one year42€30k€32k▲
Trade debts44€21k€58k▲
Suppliers440/4€21k€58k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€26k€29k▲
Taxes450/3€198€385▲
Remuneration and social security454/9€26k€29k▲
Other amounts payable47/48€4k€11k▲
Accrued charges and deferred income492/3€667€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€182k€220k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A-€129
Gross operating margin9900€209k€187k▼
Operating profit (loss)9901€11k€-49k▼
Financial income75/76B€389€286▼
Recurring financial income75€389€286▼
Financial charges65/66B€11k€19k▲
Recurring financial charges65€11k€19k▲
Profit (loss) for the period before taxes9903€921€-68k▼
Income taxes67/77€926€187▼
Profit (loss) for the period9904€-5€-68k▼
Profit (loss) for the period to be appropriated9905€-5€-68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€-17k▼
Profit (loss) brought forward from the previous period14P€47k€52k▲
Transfer from equity791/2€46k-
Profit to be distributed694/7€46k-
Return on contributions (dividend)694€46k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-68k
Net result drops to €-68k, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 72 days late
2023
31-12
Financial
Highest result since 2018net €45k ▲206%
Operating result €65k, net result €45k, both a record.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €211k ▲16.8%
3 profitable years in a row build equity to €211k.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Equity above €150kEq €181k ▲25%
2 profitable years in a row build equity to €181k.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Wezembeek-Oppem · 1 establishment unit since 2011
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.
Astridlaan 1801970 Wezembeek-OppemGround area
1,822 m²
Building footprint
224 m²
Volume, LiDAR
1,087 m³
2 parcels, Brussels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUKOIL
since 20112.200.786.280
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22302C0160/00R002 | Flanders | 988 m² | 1 · 124 m² | 8.9 m · 2 fl. |
| 21683D0001/00A009 | Brussels | 834 m² | 1 · 99 m² | 7.6 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Pieters-Woluwe2.200.786.280
Similar companies · same sector, comparable size
LODECOM
BE 0820.833.596
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LIVET & FILLES
BE 0649.580.591
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STATION Basri OZLU
BE 0894.704.442
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AOB
BE 0865.159.034
Braine-l'Alleud · Eq €176k
RICOEMA
BE 1005.116.770
Hastière · Eq €180k
Of 1,267 companies in sector 47300 we hold annual accounts for 946. 778 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2011
Fiscal year end31-12
Activities, NACEBEL
47300Retail sale of automotive fuel
47820Retail sale of motor vehicle parts and accessories
46150Agents in the wholesale of furniture, household goods and hardware
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bncsprl@hotmail.com
Phone:027729801