BOZICA
ActiveSummary
BOZICA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €893k and a net result of €117k. Equity is growing by ~41.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-5
Solvency93▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 1.93 in 2024; short-term debt: 19.7% and cash: 16.2% of total assets), and 31.6% of the assets are financed with debt.
Credit check 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
68.4%
Return on assets
9%
Age of the figures
9 mo
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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
93 d early
2023
22 d early
2022
72 d late
2021
113 d late
2020
88 d late
2019
122 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, abbreviated schema
Equity
€893k▲ 15.1%
2024 · €776k
2018: €91k
2019: €136k
2020: €213k
2021: €319k
2022: €485k
2023: €602k
2024: €776k
2018 → 2025
Total assets
€1.31M▼ 2.4%
2024 · €1.34M
2018: €724k
2019: €763k
2020: €908k
2021: €972k
2022: €1.12M
2023: €1.20M
2024: €1.34M
2018 → 2025
Net result
€117k▼ 33.1%
2024 · €175k
2018: €32k
2019: €45k
2020: €95k
2021: €129k
2022: €166k
2023: €217k
2024: €175k
2018 → 2025
Working capital
€441k▲ 30.3%
2024 · €339k
2018: €-185k
2019: €-180k
2020: €-135k
2021: €-71k
2022: €63k
2023: €114k
2024: €339k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€319k-€485k▲ 51.9%€602k▲ 24.1%€776k▲ 29.1%€893k▲ 15.1%
Operating result€188k-€271k▲ 44.1%€324k▲ 19.4%€272k▼ 16.0%€170k▼ 37.4%
Net result€129k-€166k▲ 28.7%€217k▲ 30.8%€175k▼ 19.3%€117k▼ 33.1%
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 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€608k ▼ 4.4%
Current assets
€699k ▼ 0.5%
Equity and liabilities €1.31M
Equity
€893k ▲ 15.1%
Debt
€413k ▼ 26.5%
Debt's share of the balance-sheet total falls from 42.0% to 31.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€213k▼
2024 · €313k
Cash flow
€159k▼
2024 · €216k
Current ratio
2.72▲
2024 · 1.93
Quick ratio
2.40▲
2024 · 1.71
Debt to equity
0.46▼
2024 · 0.72
ROE
13.1%▼
2024 · 22.5%
ROA
9.0%▼
2024 · 13.1%
Interest coverage
14.55▲
2024 · 11.42
Debt ≤ 1 year
€257k▼
2024 · €363k
Debt > 1 year
€152k▼
2024 · €193k
Income taxes
€48k▼
2024 · €78k
Staff costs
€53k▲
2024 · €32k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.34M€1.31M▼
Fixed assets21/28€636k€608k▼
Tangible fixed assets22/27€635k€607k▼
Land and buildings22€537k€518k▼
Plant, machinery and equipment23€341€170▼
Furniture and vehicles24€97k€89k▼
Leasing and similar rights25€0-
Financial fixed assets28€650€650=
Current assets29/58€702k€699k▼
Stocks and contracts in progress3€80k€81k▲
Stocks30/36€80k€81k▲
Amounts receivable within one year40/41€322k€397k▲
Trade receivables40€271k€351k▲
Other amounts receivable41€51k€46k▼
Current investments50/53€43k€0▼
Cash at bank and in hand54/58€245k€212k▼
Deferred charges and accrued income490/1€13k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.31M▼
Equity10/15€776k€893k▲
Contributions10/11€19k€19k=
Reserves13€758k€875k▲
Distributable reserves133€758k€875k▲
Amounts payable17/49€562k€413k▼
Amounts payable after more than one year17€193k€152k▼
Financial debts170/4€193k€152k▼
Amounts payable within one year42/48€363k€257k▼
Current portion of amounts payable after more than one year42€77k€69k▼
Trade debts44€223k€173k▼
Suppliers440/4€223k€173k▼
Taxes, remuneration and social security45€4k€14k▲
Taxes450/3€0€6k▲
Remuneration and social security454/9€4k€8k▲
Other amounts payable47/48€60k€2k▼
Accrued charges and deferred income492/3€5k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€11k€6k▼
Remuneration, social security and pensions62€32k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€42k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€38k€42k▲
Non-recurring operating charges66A€28k€51k▲
Gross operating margin9900€411k€358k▼
Operating profit (loss)9901€272k€170k▼
Financial income75/76B€8k€9k▲
Recurring financial income75€8k€9k▲
Financial charges65/66B€27k€15k▼
Recurring financial charges65€27k€15k▼
Profit (loss) for the period before taxes9903€252k€165k▼
Income taxes67/77€78k€48k▼
Profit (loss) for the period9904€175k€117k▼
Profit (loss) for the period to be appropriated9905€175k€117k▼
Appropriation of the result
Profit (loss) to be appropriated9906€175k€117k▼
Transfer to equity691/2€175k€117k▼
To other reserves6921€175k€117k▼
Social balance
Average headcount (FTE)90870.81.0▲
The notes to these accounts (22 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €217k ▲30.8%
Operating result €324k, net result €217k, both a record.
31-12
Financial
Equity above €500kEq €602k ▲24.1%
6 profitable years in a row build equity to €602k.
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 72 days late
2022
21-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 113 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 88 days late
2020
31-12
Financial
Equity above €200kEq €213k ▲56.1%
3 profitable years in a row build equity to €213k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Equity above €100kEq €136k ▲48.8%
2 profitable years in a row build equity to €136k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Zuienkerke · 1 establishment unit since 2005
Ground area
1,402 m²
Building footprint
160 m²
Volume, LiDAR
1,002 m³
Parcel 31018B0144/00D000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bozica
since 20052.148.866.932
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31018B0144/00D000 | Flanders | 1,402 m² | 1 · 160 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 900 EUR awarded · 900 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 900 EUR |
| 2024 | 1 | 900 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,014 companies in sector 43310 we hold annual accounts for 1,745. 713 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
Founded16-06-2005
Fiscal year end31-12
Trade name NL
CASHPOINT OOSTENDE
Activities, NACEBEL 2025
43310Plastering work
43990Other specialised construction activities
43130Specialised construction activities
43320Joinery installation
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.