Summary
BOCH has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €12.96M and a net result of €450k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 31694 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
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 27-08-2026, 27 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
27 d late
2024
61 d late
2023
29 d late
2022
61 d late
2021
16 d early
2020
31 d late
2019
49 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12.96M▲ 3.6%
2024 · €12.51M
2018: €7.31M
2019: €7.52M
2020: €7.76M
2021: €12.95M
2022: €11.54M
2023: €12.11M
2024: €12.51M
2018 → 2025
Total assets
€15.80M▲ 26.2%
2024 · €12.52M
2018: €7.31M
2019: €7.53M
2020: €7.77M
2021: €13.06M
2022: €11.54M
2023: €12.12M
2024: €12.52M
2018 → 2025
Net result
€450k▲ 12.9%
2024 · €399k
2018: €218k
2019: €217k
2020: €236k
2021: €5.19M
2022: €85k
2023: €573k
2024: €399k
2018 → 2025
Working capital
€2.19M▼ 61.8%
2024 · €5.74M
2018: €534k
2019: €751k
2020: €987k
2021: €6.18M
2022: €4.77M
2023: €5.34M
2024: €5.74M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12.95M-€11.54M▼ 10.9%€12.11M▲ 5.0%€12.51M▲ 3.3%€12.96M▲ 3.6%
Operating result€-2k-€-2k▲ 25.9%€-10k▼ 542%€15k€-167k
Net result€5.19M-€85k▼ 98.4%€573k▲ 572%€399k▼ 30.4%€450k▲ 12.9%
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 €167k after €15k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15.80M
Fixed assets
€10.77M ▲ 59.0%
Current assets
€5.03M ▼ 12.5%
Equity and liabilities €15.80M
Equity
€12.96M ▲ 3.6%
Debt
€2.84M ▲ 18,431%
Debt's share of the balance-sheet total rises from 0.1% to 18.0%. Equity and debt are higher.
Key figures and ratios
ROE
3.5%▲
2024 · 3.2%
ROA
2.8%▼
2024 · 3.2%
Debt ≤ 1 year
€2.84M▲
2024 · €15k
Income taxes
€165▲
2024 · €160
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 · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€12.52M€15.80M▲
Fixed assets21/28€6.77M€10.77M▲
Tangible fixed assets22/27€3k€1.17M▲
Land and buildings22-€1.16M
Furniture and vehicles24€3k€7k▲
Financial fixed assets28€6.77M€9.60M▲
Current assets29/58€5.75M€5.03M▼
Amounts receivable within one year40/41€42k€132k▲
Trade receivables40€10k€49k▲
Other amounts receivable41€32k€84k▲
Current investments50/53€4.00M€4.51M▲
Cash at bank and in hand54/58€1.71M€393k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€12.52M€15.80M▲
Equity10/15€12.51M€12.96M▲
Contributions10/11€5.29M€5.29M=
Reserves13€1.07M€1.07M=
Distributable reserves133€1.07M€1.07M=
Profit (loss) carried forward14€6.15M€6.60M▲
Amounts payable17/49€15k€2.84M▲
Amounts payable within one year42/48€15k€2.84M▲
Financial debts43-€850
Credit institutions430/8-€850
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€6k€2.83M▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€764€154k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€17k€-10k▼
Operating profit (loss)9901€15k€-167k▼
Financial income75/76B€408k€640k▲
Recurring financial income75€408k€640k▲
Financial charges65/66B€24k€23k▼
Recurring financial charges65€24k€23k▼
Profit (loss) for the period before taxes9903€399k€450k▲
Income taxes67/77€160€165▲
Profit (loss) for the period9904€399k€450k▲
Profit (loss) for the period to be appropriated9905€399k€450k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6.15M€6.60M▲
Profit (loss) brought forward from the previous period14P€5.75M€6.15M▲
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Weakest financial yearnet €85k ▼98.4%
Net result drops to €85k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 13current ratio 734.76
Current ratio from 57.65 to 734.76; short-term debt falls from €109k to €6k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €5.19M ▲2103%
Net result €5.19M, the highest in the series.
31-12
Financial
Equity above €10MEq €12.95M ▲66.9%
4 profitable years in a row build equity to €12.95M.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 86 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
23-06
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
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, Gent · 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.
Coupure 1649000 GentGround area
1,765 m²
Building footprint
365 m²
Volume, LiDAR
6,969 m³
Parcel 44815F2064/00G000, Flanders · tallest building 20.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Coupure 164, 9000 Gent
since 20112.201.399.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F2064/00G000 | Flanders | 1,765 m² | 1 · 365 m² | 20.9 m · 7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
984500C4DA58G3K64475
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 5,640 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 formPrivate limited company
Founded31-05-2011
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
71121Engineering and related technical consultancy, excluding land surveyors
72109Other research and development on natural sciences
73300Public relations and communication consultancy
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.