BYCO

Active

Public limited companyfounded 2000active for 26 yearsBokrijkstraat 4, 3500 Hasselt, BelgiumKBO/BCE: BE 0472.377.033

Summary

BYCO has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21,985 and a net result of -€16,514. Equity is shrinking by about 15% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2028. Its solvency ranks better than 40% of 11,186 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisFollow Report Compare

BYCOActiveChecked score 67/100

Risk analysis Report Compare

Activity

Real estate agency activities

NACE 68310

1 site

Size

€106,719total assets 2025

Equity: €21,985
Loss: -€16,514

Turnover not published (abbreviated or micro format)

Financial health

67 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.7%

Structure

Parent: EMIVAL · 100%

2025 accounts 29 days early2 of 8 deeds summarised

Why 67raises riskLoss of €16,514, the second in a row (financial year 2025)Liquidity: current ratio 1.26, cash €0, halvedlowers riskSize: total assets €106,719Legal form: public limited companyShow the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 17% of its sector peers (NACE 68, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 46-24

equity 20.6% of total assets

Liquidity 7-35

short-term debt 78.7% · cash 0.0%

Profitability 0-15

return on assets -15.5%

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,608 companies, NACE 68, micro)

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025lowest value 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.2%▲ +0.1 percentage points vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.5 percentage points vs 07-2026highest value 09-2026: 0.7%● unchanged vs 08-2026highest value 10-2026: 0.7%● unchanged vs 09-2026highest value

Credit of up to €1,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.26, compared with 1.79 in 2024, below the usual 1.5; short-term debt: 78.7% and cash: 0% of total assets), and 79.4% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro): better than 41% on solvency, 9% on liquidity, 4% on profitability and 13% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Size: total assets €106,719

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Loss of €16,514, the second in a row (financial year 2025)

NBB · annual accounts

Liquidity: current ratio 1.26, cash €0, halved

NBB · annual accounts

Legal form: public limited company

KBO

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

1819202122232425

2018 to 2025 · latest year -€16,514

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

29 days early

2024

66 days early

2023

15 days early

2022

17 days early

2021

62 days early

2020

30 days early

2019

37 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 37 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (4 of the last 5 filed years within 33 days of that day).

Companies Code · seven months

Where today falls in the filing period

24-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

12-10-2026 Merger · DeclarationResignations: Valérie BIJVOET, Emily BIJVOET…
02-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
26-05-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Risk: 3 loss-making years in a rowloss financial year 2025 -€16,514 View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Controlled by EMIVAL 100% View

By topic

Financials

Financial year: 2025
Total assets: €106,719
Loss: -€16,514
Solvency: 20.6%

Total assets▲ 23.6%

Net result

20182025

Go to Financials

Board & ownership

Parent: EMIVAL · 100%

Go to Board & ownership

Network & group

Mergers and asset contributions: 1

Go to Network & group

Timeline

Events: 31
Since: 2002
Next accounts: by 31-07-2027

13-02-2025Appointment: THEUNISSEN Monique (managing director)
16-07-2024Annual accounts filed
31-12-2023Weakest financial year

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Real estate agency activitiesNACE 68310
Founded: 13-07-2000
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 5

Who signs: A managing director alone
Purpose: A. Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle…

Go to Articles of association

Key facts about BYCO

What is the company number of BYCO?: 0472.377.033. In Belgium the VAT number is the company number with BE in front: BE 0472.377.033.
Where is BYCO based?: The registered office is at Bokrijkstraat 4, 3500 Hasselt.Company details
What does BYCO do?: According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of BYCO?: Public limited company (NV).
When was BYCO founded?: On 13-07-2000.
Is BYCO still active?: Yes, BYCO is an active enterprise in the KBO register.
What is the turnover of BYCO?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is BYCO profitable?: In financial year 2025, BYCO made a loss of €16,514.
Where can I find the annual accounts of BYCO?: BYCO filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BYCO due?: By 31-07-2027, for financial year 2026.Timeline