BOCRA
ActiveSummary
BOCRA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.29M and a net result of €145k. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 58% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-5
Solvency76▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.25 in 2024; short-term debt: 32.9% and cash: 6.6% of total assets), and 48.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 41
Relative position
BE, all sectors
reference
Sector 41
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.5%
Return on assets
5.8%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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
5 d late
2024
4 d late
2023
13 d late
2022
2 d late
2021
16 d late
2020
4 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.29M▲ 10.7%
2024 · €1.17M
2019: €254k
2020: €312k
2021: €339k
2022: €682k
2023: €1.04M
2024: €1.17M
2019 → 2025
Total assets
€2.51M▲ 2.0%
2024 · €2.46M
2019: €1.64M
2020: €1.76M
2021: €2.26M
2022: €2.48M
2023: €2.20M
2024: €2.46M
2019 → 2025
Net result
€145k▼ 4.5%
2024 · €151k
2019: €-10k
2020: €58k
2021: €27k
2022: €367k
2023: €580k
2024: €151k
2019 → 2025
Working capital
€-633k▲ 2.9%
2024 · €-652k
2019: €-1.11M
2020: €-1.20M
2021: €-1.56M
2022: €-964k
2023: €-556k
2024: €-652k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€339k-€682k▲ 101%€1.04M▲ 52.7%€1.17M▲ 12.2%€1.29M▲ 10.7%
Operating result€87k-€514k▲ 489%€624k▲ 21.3%€259k▼ 58.4%€259k▼ 0.3%
Net result€27k-€367k▲ 1,273%€580k▲ 57.8%€151k▼ 73.9%€145k▼ 4.5%
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 has fallen two years in a row; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.51M
Fixed assets
€2.32M ▲ 3.3%
Current assets
€194k ▼ 10.9%
Equity and liabilities €2.51M
Equity
€1.29M ▲ 10.7%
Provisions
€150k ▼ 3.5%
Debt
€1.07M ▼ 6.1%
Debt's share of the balance-sheet total falls from 46.2% to 42.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€299k▲
2024 · €292k
Cash flow
€185k▲
2024 · €184k
Current ratio
0.23▼
2024 · 0.25
Debt to equity
0.83▼
2024 · 0.97
ROE
11.2%▼
2024 · 12.9%
ROA
5.8%▼
2024 · 6.1%
Interest coverage
5.20▼
2024 · 5.68
Debt ≤ 1 year
€827k▼
2024 · €869k
Debt > 1 year
€156k▼
2024 · €186k
Income taxes
€63k▲
2024 · €60k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.46M€2.51M▲
Fixed assets21/28€2.25M€2.32M▲
Tangible fixed assets22/27€1.77M€1.84M▲
Land and buildings22€1.77M€1.84M▲
Plant, machinery and equipment23€2k€2k▼
Financial fixed assets28€475k€475k=
Current assets29/58€217k€194k▼
Amounts receivable within one year40/41€132k€28k▼
Trade receivables40€82k€28k▼
Other amounts receivable41€50k-
Current investments50/53€129€145▲
Cash at bank and in hand54/58€85k€165k▲
Deferred charges and accrued income490/1€488€649▲
Equity and liabilities
Total equity and liabilities10/49€2.46M€2.51M▲
Equity10/15€1.17M€1.29M▲
Contributions10/11€23k€23k=
Reserves13€1.12M€1.24M▲
Tax-exempt reserves132€622k€600k▼
Distributable reserves133€496k€643k▲
Profit (loss) carried forward14€28k€28k▲
Provisions and deferred taxes16€155k€150k▼
Deferred taxes168€155k€150k▼
Amounts payable17/49€1.14M€1.07M▼
Amounts payable after more than one year17€186k€156k▼
Financial debts170/4€186k€156k▼
Amounts payable within one year42/48€869k€827k▼
Current portion of amounts payable after more than one year42€30k€30k▲
Trade debts44€38k€8k▼
Suppliers440/4€38k€8k▼
Taxes, remuneration and social security45€41k€39k▼
Taxes450/3€41k€39k▼
Other amounts payable47/48€761k€750k▼
Accrued charges and deferred income492/3€83k€86k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€40k▲
Other operating charges640/8€29k€18k▼
Gross operating margin9900€321k€317k▼
Operating profit (loss)9901€259k€259k▼
Financial income75/76B€0€516▲
Recurring financial income75€0€516▲
Financial charges65/66B€52k€57k▲
Recurring financial charges65€52k€57k▲
Profit (loss) for the period before taxes9903€208k€202k▼
Transfer from deferred taxes780€3k€5k▲
Income taxes67/77€60k€63k▲
Profit (loss) for the period9904€151k€145k▼
Transfer from tax-exempt reserves789€13k€22k▲
Profit (loss) for the period to be appropriated9905€164k€166k▲
Appropriation of the result
Profit (loss) to be appropriated9906€192k€195k▲
Profit (loss) brought forward from the previous period14P€28k€28k=
Transfer to equity691/2€140k€146k▲
To other reserves6921€140k€146k▲
Profit to be distributed694/7€24k€20k▼
Directors or managers695€24k€20k▼
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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
13-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
30-06
Financial
Highest result since 2019net €580k ▲57.8%
Operating result €624k, net result €580k, both a record.
30-06
Financial
Equity above €1MEq €1.04M ▲52.7%
4 profitable years in a row build equity to €1.04M.
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
30-06
Financial
Equity above €500kEq €682k ▲101%
3 profitable years in a row build equity to €682k.
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
30-06
Financial
Back to profitnet €58k
Net result €58k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 5 days late
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
22-12
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
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 1998
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.
Europastraat 919310 AalstGround area
2,235 m²
Building footprint
194 m²
Volume, LiDAR
1,332 m³
Parcel 41005D0196/00H000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Europastraat 91, 9310 Aalst
since 19982.089.461.657
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41005D0196/00H000 | Flanders | 2,235 m² | 1 · 194 m² | 10.5 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400HF11J12IF4WU63
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KRISTOF DELEU
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BOUWWERKEN DANIELS
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 5,457 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
Founded21-10-1998
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.