ByCH
ActiveSummary
ByCH has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61,075 and a net result of €286. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 61% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability34▲+18
Solvency72=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 1.88 against 1.88 in 2024; short-term debt: 52.8% and cash: 0% of total assets), but 52.8% of the assets are financed with debt.
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Signals
Three 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 06-10-2025, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
42 d late
2023
4 d early
2022
361 d late
2021
33 d early
2020
1 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close26-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€61,075▲ 0.5%
2024 · €60,789
Total assets
€129,326=
2024 · €129,354
Net result
€286
2024 · -€3,018
Working capital
€60,392▲ 0.2%
2024 · €60,245
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€5,893▲ 78,154%€8,746▲ 48.4%€2,198▼ 74.9%-€2,197€596
Net result€4,370€6,965▲ 59.4%€538▼ 92.3%-€3,018€286
Equity€56,304▲ 8.4%€63,269▲ 12.4%€63,807▲ 0.9%€60,789▼ 4.7%€61,075▲ 0.5%
Total assets€138,630▼ 5.0%€147,574▲ 6.5%€139,873▼ 5.2%€129,354▼ 7.5%€129,326=
Debt€82,326▼ 12.4%€84,305▲ 2.4%€76,066▼ 9.8%€68,564▼ 9.9%€68,251▼ 0.5%
Working capital€55,418▲ 8.7%€62,434▲ 12.7%€63,024▲ 0.9%€60,245▼ 4.4%€60,392▲ 0.2%
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 returns to profit in 2025: €596 after a loss of €2,197 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129,326
Fixed assets
€683 ▼ 6.9%
Current assets
€128,643 =
Equity and liabilities €129,326
Equity
€61,075 ▲ 0.5%
Debt
€68,251 ▼ 0.5%
Debt's share of the balance-sheet total falls from 53.0% to 52.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€646▲
2024 · -€2,146
Cash flow
€336▲
2024 · -€2,967
Current ratio
1.88▲
2024 · 1.88
Quick ratio
0.02▲
2024 · 0.02
Debt to equity
1.12▼
2024 · 1.13
ROE
0.5%▲
2024 · -5.0%
ROA
0.2%▲
2024 · -2.3%
Interest coverage
1.74▲
2024 · -2.61
Debt ≤ 1 year
€68,251▼
2024 · €68,375
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €219 | €51 | €51 | €51 | €51 | = |
| Other operating charges640/8 | - | €551 | €607 | €461 | €549 | ▲ 19.1% |
| Gross operating margin9900 | €6,638 | €9,348 | €2,856 | -€1,685 | €1,196 | ▲ 171% |
| Operating profit (loss)9901 | €5,893 | €8,746 | €2,198 | -€2,197 | €596 | ▲ 127% |
| Financial income75/76B | - | - | €148 | - | €62 | - |
| Recurring financial income75 | €6 | - | €0 | - | €62 | - |
| Non-recurring financial income76B | - | - | €148 | - | - | - |
| Financial charges65/66B | - | €1,780 | €1,805 | €821 | €372 | ▼ 54.8% |
| Recurring financial charges65 | €1,698 | €1,780 | €1,805 | €821 | €372 | ▼ 54.8% |
| Profit (loss) for the period before taxes9903 | €4,370 | €6,965 | €541 | -€3,018 | €286 | ▲ 109% |
| Income taxes67/77 | - | - | €3 | - | - | - |
| Profit (loss) for the period9904 | €4,370 | €6,965 | €538 | -€3,018 | €286 | ▲ 109% |
| Profit (loss) for the period to be appropriated9905 | €4,370 | €6,965 | €538 | -€3,018 | €286 | ▲ 109% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €138,630 | €147,574 | €139,873 | €129,354 | €129,326 | = |
| Fixed assets21/28 | €885 | €835 | €784 | €733 | €683 | ▼ 6.9% |
| Tangible fixed assets22/27 | €760 | €710 | €659 | €608 | €558 | ▼ 8.3% |
| Land and buildings22 | - | €710 | €659 | €608 | €558 | ▼ 8.3% |
| Financial fixed assets28 | €125 | €125 | €125 | €125 | €125 | = |
| Current assets29/58 | €137,744 | €146,739 | €139,089 | €128,620 | €128,643 | = |
| Stocks and contracts in progress3 | €131,078 | €140,616 | €130,114 | €126,938 | €126,938 | = |
| Stocks30/36 | - | €140,616 | €130,114 | €126,938 | €126,938 | = |
| Amounts receivable within one year40/41 | €6,419 | €5,304 | €6,274 | - | €1,683 | - |
| Trade receivables40 | - | €5,141 | €6,274 | - | €1,664 | - |
| Other amounts receivable41 | - | €163 | - | - | €19 | - |
| Cash at bank and in hand54/58 | €248 | €820 | €2,701 | €1,682 | €22 | ▼ 98.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €138,630 | €147,574 | €139,873 | €129,354 | €129,326 | = |
| Equity10/15 | €56,304 | €63,269 | €63,807 | €60,789 | €61,075 | ▲ 0.5% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €35,844 | €42,809 | €43,347 | €40,329 | €40,615 | ▲ 0.7% |
| Amounts payable17/49 | €82,326 | €84,305 | €76,066 | €68,564 | €68,251 | ▼ 0.5% |
| Amounts payable within one year42/48 | €82,326 | €84,305 | €76,066 | €68,375 | €68,251 | ▼ 0.2% |
| Current portion of amounts payable after more than one year42 | - | €52,968 | €44,639 | €41,469 | €27,000 | ▼ 34.9% |
| Financial debts43 | - | - | - | - | €14,587 | - |
| Credit institutions430/8 | - | - | - | - | €14,587 | - |
| Trade debts44 | €4,197 | €5,554 | €2,199 | €1,533 | €1,293 | ▼ 15.6% |
| Suppliers440/4 | - | €5,554 | €2,199 | €1,533 | €1,293 | ▼ 15.6% |
| Taxes, remuneration and social security45 | - | - | €1,246 | €3 | €0 | ▼ 100% |
| Taxes450/3 | - | - | €1,246 | €3 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €25,783 | €27,983 | €25,371 | €25,371 | = |
| Accrued charges and deferred income492/3 | - | - | - | €189 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,370 | €6,965 | €538 | -€3,018 | €286 | ▲ 109% |
| + Depreciation and write-downs630 | €219 | €51 | €51 | €51 | €51 | = |
| Operating cash flow (approximation) | €4,589 | €7,016 | €589 | -€2,967 | €336 | ▲ 111% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €572 | €1,882 | -€1,019 | -€1,660 | ▼ 62.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €286
Net result €286 after one loss-making year.
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 42 days late
31-03
Financial
Weakest financial yearnet -€3,018
Net result drops to -€3,018, the lowest in the series; recovery starts the following year.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 361 days late
2022
31-03
Financial
Highest result since 2019net €6,965 ▲59.4%
Operating result €8,746, net result €6,965, both a record.
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €4,370
Net result €4,370 after one loss-making year.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
27-10
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Houthalen-Helchteren · 1 establishment unit since 2009
Ground area
2,129 m²
Building footprint
766 m²
Volume, LiDAR
6,288 m³
Parcel 72452E1154/00Z040, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
Bych BVBA
since 20092.176.960.112
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72452E1154/00Z040 | Flanders | 2,129 m² | 1 · 766 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
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LES CAPRICES DE MAGALI
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Ann Soks
BE 1018.430.417
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Of 519 companies in sector 47714 we hold annual accounts for 264. 230 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded19-02-2009
Fiscal year end31-03
Activities, NACEBEL 2025
47714Retail trade
Scores and ratios are computed by Checked and are not a credit decision.