BOCHO
ActiveThe computed 12-month bankruptcy probability of BOCHO is 2.2% (moderate). The 2025 annual accounts show equity of €22k and a net result of €-14k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 7376 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▲+2
Solvency46▼-8
Growth52=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.42 against 1.63 in 2024; short-term debt: 53.3% and cash: 0.2% of total assets), and 79.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
20.6%
Return on assets
-13.1%
Age of the figures
9 mo
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
19202122232425
2019 to 2025 · latest year €-14k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 7 filingsDeviation from the deadline
2025
29 d late
2024
120 d late
2023
65 d late
2022
91 d late
2021
122 d late
2020
31 d late
2019
119 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 35.6%
2024 · €34k
2019: €12k
2020: €15k
2021: €26k
2022: €56k
2023: €54k
2024: €34k
2019 → 2025
Total assets
€107k▼ 10.0%
2024 · €119k
2019: €24k
2020: €82k
2021: €58k
2022: €117k
2023: €76k
2024: €119k
2019 → 2025
Net result
€-14k▲ 27.4%
2024 · €-19k
2019: €10k
2020: €3k
2021: €26k
2022: €30k
2023: €-235
2024: €-19k
2019 → 2025
Working capital
€24k▼ 28.2%
2024 · €33k
2019: €12k
2020: €3k
2021: €17k
2022: €58k
2023: €54k
2024: €33k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€56k▲ 117%€54k▼ 3.6%€34k▼ 36.0%€22k▼ 35.6%
Operating result€30k-€36k▲ 21.7%€3k▼ 91.4%€-17k€-11k▲ 32.3%
Net result€26k-€30k▲ 17.7%€-235€-19k▼ 8,137%€-14k▲ 27.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €17k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€26k▼ 21.0%
Current assets
€81k▼ 5.8%
Equity and liabilities €107k
Equity
€22k▼ 35.6%
Debt
€85k▲ 0.4%
The debt ratio rises from 71.2% to 79.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-4k▲
2024 · €-15k
Cash flow
€-7k▲
2024 · €-17k
Solvency
20.6%▼
2024 · 28.8%
Current ratio
1.42▼
2024 · 1.63
Quick ratio
1.42▼
2024 · 1.63
Debt / equity
3.85▲
2024 · 2.47
ROE
-63.5%▼
2024 · -56.3%
ROA
-13.1%▲
2024 · -16.2%
Interest coverage
-1.53▲
2024 · -8.35
Debt
€85k▲
2024 · €85k
Debt ≤ 1 year
€57k▲
2024 · €53k
Debt > 1 year
€28k▼
2024 · €32k
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€119k€107k▼
Fixed assets21/28€33k€26k▼
Tangible fixed assets22/27€33k€26k▼
Plant, machinery and equipment23€1k€546▼
Furniture and vehicles24€32k€26k▼
Current assets29/58€86k€81k▼
Amounts receivable within one year40/41€72k€81k▲
Trade receivables40€34k€44k▲
Other amounts receivable41€38k€37k▼
Cash at bank and in hand54/58€165€165=
Deferred charges and accrued income490/1€14k€182▼
Equity and liabilities
Total equity and liabilities10/49€119k€107k▼
Equity10/15€34k€22k▼
Contributions10/11€5k€7k▲
Profit (loss) carried forward14€29k€15k▼
Amounts payable17/49€85k€85k▲
Amounts payable after more than one year17€32k€28k▼
Financial debts170/4€32k€28k▼
Amounts payable within one year42/48€53k€57k▲
Current portion of amounts payable after more than one year42€6k€10k▲
Financial debts43€3k€5k▲
Credit institutions430/8€3k€5k▲
Trade debts44€41k€41k▲
Suppliers440/4€41k€41k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€1k€1k▼
Remuneration and social security454/9€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€-11k€-2k▲
Operating profit (loss)9901€-17k€-11k▲
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-18k€-14k▲
Income taxes67/77€1k-
Profit (loss) for the period9904€-19k€-14k▲
Profit (loss) for the period to be appropriated9905€-19k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€15k▼
Profit (loss) brought forward from the previous period14P€49k€29k▼
The notes to these accounts (5 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 120 days late
2024
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
31-12
Financial
Highest result since 2019net €30k ▲17.7%
Operating result €36k, net result €30k, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Aalst · 1 establishment unit since 2019
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.
Leo de Béthunelaan 789300 AalstGround area
1.4 ha
Building footprint
1,121 m²
Volume, LiDAR
26,607 m³
2 parcels, Flanders · tallest building 29.7 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
BOCHO
since 20192.289.864.944
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095B0184/00X005 | Flanders | 1.3 ha | 1 · 882 m² | 29.7 m · 9 fl. |
| 41002B0277/00R002 | Flanders | 1,138 m² | 1 · 239 m² | 17.4 m · 5 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.
Similar companies · same sector, comparable size
SIO SOLUTIONS
BE 0763.994.764
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PRO LEVEL
BE 1010.049.716
Drogenbos · Eq €22k
ROMAIN JORTAY RENOVATION
BE 0644.862.532
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LENTO
BE 0466.815.666
Aalst · Eq €22k
AMT WORKS
BE 0761.964.593
Zaventem · Eq €22k
Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 11,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43221Plumbing work
43990Other specialised construction activities
43995Specialised construction activities
49410Freight transport by road
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bochobvba@gmail.com
Phone:0465585093