BOCAD
ActiveSummary
BOCAD has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46,365 and a net result of -€804. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 95% of 7814 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability33▼-2
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
cash: 46.8% of total assets, and 0% 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
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
2 d early
2023
45 d late
2022
31 d late
2021
on the day
2020
on the day
2019
119 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 27 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€46,365▼ 1.7%
2024 · €47,169
Total assets
€46,365▼ 1.7%
2024 · €47,169
Net result
-€804▼ 72.9%
2024 · -€465
Working capital
€48,474▲ 0.2%
2019 · €48,375
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, 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-€545▲ 39.6%-€832▼ 52.7%-€832=-€1,057▼ 27.0%-€887▲ 16.1%
Net result-€83within the sector's middle half-€489within the sector's middle half▼ 489%-€268below the sector's middle half▲ 45.2%-€465below the sector's middle half▼ 73.5%-€804below the sector's middle half▼ 72.9%
Equity€48,391within the sector's middle half▼ 0.2%€47,902within the sector's middle half▼ 1.0%€47,634within the sector's middle half▼ 0.6%€47,169within the sector's middle half▼ 1.0%€46,365within the sector's middle half▼ 1.7%
Total assets€48,391below the sector's middle half▼ 0.2%€47,902below the sector's middle half▼ 1.0%€47,634below the sector's middle half▼ 0.6%€47,169below the sector's middle half▼ 1.0%€46,365below the sector's middle half▼ 1.7%
Debt
Working capital
Solvency100.0%above the sector's middle half▲ 0.1pp100.0%above the sector's middle half=100.0%above the sector's middle half=100.0%above the sector's middle half=100.0%above the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, 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 stays negative: a loss of €887 in 2025 against €1,057 in 2024; the loss shrinks.
Key figures and ratios
ROE
-1.7%▼
2024 · -1.0%
ROA
-1.7%▼
2024 · -1.0%
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf 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 bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
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%.
| 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €73 | €297 | €297 | €424 | €306 | ▼ 27.8% |
| Other operating charges640/8 | €472 | €535 | €535 | €633 | €581 | ▼ 8.2% |
| Gross operating margin9900 | -€73 | -€297 | -€297 | -€424 | -€306 | ▲ 27.8% |
| Operating profit (loss)9901 | -€545 | -€832 | -€832 | -€1,057 | -€887 | ▲ 16.1% |
| Financial income75/76B | €966 | €675 | €675 | €718 | €228 | ▼ 68.2% |
| Recurring financial income75 | €966 | €675 | €675 | €718 | €228 | ▼ 68.2% |
| Financial charges65/66B | €500 | €332 | €111 | €126 | €145 | ▲ 15.1% |
| Recurring financial charges65 | €500 | €332 | €111 | €126 | €145 | ▲ 15.1% |
| Profit (loss) for the period before taxes9903 | -€79 | -€489 | -€268 | -€465 | -€804 | ▼ 72.9% |
| Income taxes67/77 | €4 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€83 | -€489 | -€268 | -€465 | -€804 | ▼ 72.9% |
| Profit (loss) for the period to be appropriated9905 | -€83 | -€489 | -€268 | -€465 | -€804 | ▼ 72.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48,391 | €47,902 | €47,634 | €47,169 | €46,365 | ▼ 1.7% |
| Current assets29/58 | €48,391 | €47,902 | €47,634 | €47,169 | €46,365 | ▼ 1.7% |
| Amounts receivable within one year40/41 | €17,308 | €33,006 | €41,148 | €32,131 | €24,676 | ▼ 23.2% |
| Other amounts receivable41 | €17,308 | €33,006 | €41,148 | €32,131 | €24,676 | ▼ 23.2% |
| Cash at bank and in hand54/58 | €31,083 | €14,896 | €6,486 | €15,038 | €21,689 | ▲ 44.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48,391 | €47,902 | €47,634 | €47,169 | €46,365 | ▼ 1.7% |
| Equity10/15 | €48,391 | €47,902 | €47,634 | €47,169 | €46,365 | ▼ 1.7% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | - | €18,592 | - | - | - | - |
| Issued capital100 | - | €18,592 | - | - | - | - |
| Reserves13 | €17,670 | €17,670 | €17,670 | €17,670 | €17,670 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Legal reserve130 | - | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | - | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | €15,811 | €15,811 | €15,811 | €15,811 | €15,811 | = |
| Profit (loss) carried forward14 | €12,129 | €11,640 | €11,372 | €10,907 | €10,103 | ▼ 7.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€83 | -€489 | -€268 | -€465 | -€804 | ▼ 72.9% |
| Operating cash flow (approximation) | -€83 | -€489 | -€268 | -€465 | -€804 | ▼ 72.9% |
| Change in cash | - | -€16,187 | -€8,410 | €8,552 | €6,651 | ▼ 22.2% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€804
Net result drops to -€804, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 45 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 1564.68
Current ratio from 544.54 to 1564.68; short-term debt falls from €89 to €31.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 119 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 544.54
Current ratio from 245.06 to 544.54; short-term debt falls from €197 to €89.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Genk · 1 establishment unit since 1992
Ground area
404 m²
Building footprint
91 m²
Volume, LiDAR
493 m³
Parcel 71307H0034/00S112, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOCAD
since 19922.056.379.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71307H0034/00S112 | Flanders | 404 m² | 1 · 91 m² | 9.8 m · 2 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.
Similar companies · same sector, comparable size
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NOTARISHUIS TIENEN
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Tienen · Eq €46,494
CONTROL TO PERF
BE 1008.783.568
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MAG SERVICES
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Meise · Eq €46,229
Of 11,218 companies in sector 82100 we hold annual accounts for 3,516. 2,536 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 (pre-2019)
Founded23-01-1992
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
46494Wholesale of non-electrical household articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0446438045
Also
9925:BE0446438045
Registered
10-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.