BPA CONSULTING

Active

Private limited companyfounded 20215 yrs activeHeid de Bioleux(PLX) 30, 4122 Neupré, BelgiumKBO/BCE: BE 0768.824.473

Summary

BPA CONSULTING has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €79k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2025

62 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency31▼-2

Growth58=

Track record94

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.07 against 1.08 in 2024; short-term debt: 93.6% and cash: 86.7% of total assets), and 93.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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

Sector 82

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

6.4%

Return on assets

62.8%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7750 sector peers (2025).

NBB · sector comparison

Position among 7750 sector peers

Solvency

better than 17%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filings

Deviation from the deadline

2025

31 d late

2024

31 d late

2023

30 d late

2022

31 d late

2021

67 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€8k▼ 71.7%

2024 · €29k

2021: €33k 2022: €120k 2023: €220k 2024: €29k

2021 → 2025

Total assets

€127k▼ 66.7%

2024 · €381k

2021: €49k 2022: €162k 2023: €235k 2024: €381k

2021 → 2025

Net result

€79k▼ 40.7%

2024 · €134k

2021: €27k 2022: €86k 2023: €100k 2024: €134k

2021 → 2025

Working capital

€8k▼ 71.7%

2024 · €29k

2021: €33k 2022: €120k 2023: €220k 2024: €29k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€33k-€120k▲ 258%€220k▲ 83.5%€29k▼ 86.9%€8k▼ 71.7%

Operating result€37k-€115k▲ 214%€134k▲ 16.0%€176k▲ 31.9%€104k▼ 41.1%

Net result€27k-€86k▲ 214%€100k▲ 15.9%€134k▲ 33.9%€79k▼ 40.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 41% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €127k

93.6%

Equity €8k ▼ 71.7%

Debt €118k ▼ 66.3%

Debt's share of the balance-sheet total rises from 92.5% to 93.6%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

Current ratio

1.07▼

2024 · 1.08

Debt to equity

14.57▲

2024 · 12.27

ROE

977.6%▲

2024 · 467.0%

ROA

62.8%▲

2024 · 35.2%

Debt ≤ 1 year

€118k▼

2024 · €352k

Income taxes

€27k▼

2024 · €45k

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 · 33 lines

Balance sheet Code20242025

Assets

Total assets20/58€381k€127k▼

Current assets29/58€381k€127k▼

Amounts receivable within one year40/41€9k€17k▲

Trade receivables40€9k€8k▼

Other amounts receivable41-€9k

Current investments50/53€175k-

Cash at bank and in hand54/58€197k€110k▼

Equity and liabilities

Total equity and liabilities10/49€381k€127k▼

Equity10/15€29k€8k▼

Contributions10/11€6k€6k=

Profit (loss) carried forward14€23k€2k▼

Amounts payable17/49€352k€118k▼

Amounts payable within one year42/48€352k€118k▼

Trade debts44-€60

Suppliers440/4-€60

Taxes, remuneration and social security45€76k€33k▼

Taxes450/3€76k€33k▼

Other amounts payable47/48€276k€85k▼

Income statement Code20242025

Gross operating margin9900€176k€104k▼

Operating profit (loss)9901€176k€104k▼

Financial income75/76B€3k€3k▲

Recurring financial income75€3k€3k▲

Financial charges65/66B€102€124▲

Recurring financial charges65€102€124▲

Profit (loss) for the period before taxes9903€179k€106k▼

Income taxes67/77€45k€27k▼

Profit (loss) for the period9904€134k€79k▼

Profit (loss) for the period to be appropriated9905€134k€79k▼

Appropriation of the result

Profit (loss) to be appropriated9906€148k€102k▼

Profit (loss) brought forward from the previous period14P€14k€23k▲

Transfer from equity791/2€200k-

Profit to be distributed694/7€325k€100k▼

Return on contributions (dividend)694€325k€100k▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 31 days late

2024

31-12

Financial Highest result since 2021net €134k ▲33.9%

Operating result €176k, net result €134k, both a record.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Liquidity quadruplescurrent ratio 15.35

Current ratio from 3.83 to 15.35; short-term debt falls from €42k to €15k.

31-12

Financial Equity above €200kEq €220k ▲83.5%

3 profitable years in a row build equity to €220k.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Equity above €100kEq €120k ▲258%

2 profitable years in a row build equity to €120k.

06-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 67 days late

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, Neupré · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Heid de Bioleux(PLX) 304122 Neupré

Ground area

1,192 m²

Building footprint

167 m²

Volume, LiDAR

913 m³

Parcel 62081A0379/00D003, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Heid de Bioleux(PLX) 30, 4122 Neupré

IT consultancy

since 20212.318.398.978

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62081A0379/00D003	Wallonia	1,192 m²	1 · 167 m²	7.9 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.

Similar companies · same sector, comparable size

JL CONSEIL

BE 0654.770.487

Etterbeek · Eq €8,117

Comblain-au-Pont · Eq €8,154

Geraardsbergen · Eq €8,096

Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 4,122 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

Founded27-05-2021

Fiscal year end31-12

Activities, NACEBEL 2025

82990Other business support services

62900Other information technology and computer services

62200Computer consultancy and computer facilities management

70200Business and other management consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.