BZC
ActiveBZC has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €277k and a net result of €259k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 8967 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency86▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.8 against 11.61 in 2023; short-term debt: 16.2% and cash: 47% of total assets), and 39.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
60.8%
Return on assets
56.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
36 d early
2022
38 d early
2021
41 d early
2020
25 d late
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€277k▼ 14.7%
2023 · €325k
2018: €125k
2019: €193k
2020: €221k
2021: €260k
2022: €287k
2023: €325k
2018 → 2024
Total assets
€456k▲ 1.2%
2023 · €451k
2018: €280k
2019: €312k
2020: €319k
2021: €301k
2022: €326k
2023: €451k
2018 → 2024
Net result
€259k▲ 101%
2023 · €129k
2018: €55k
2019: €68k
2020: €80k
2021: €84k
2022: €94k
2023: €129k
2018 → 2024
Working capital
€206k▼ 6.3%
2023 · €220k
2018: €13k
2019: €77k
2020: €105k
2021: €147k
2022: €169k
2023: €220k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€221k-€260k▲ 17.7%€287k▲ 10.0%€325k▲ 13.5%€277k▼ 14.7%
Operating result€105k-€110k▲ 5.2%€125k▲ 13.4%€171k▲ 36.5%€348k▲ 104%
Net result€80k-€84k▲ 5.0%€94k▲ 12.8%€129k▲ 36.5%€259k▲ 101%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 104% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €456k
Fixed assets
€176k▼ 16.1%
Current assets
€280k▲ 16.3%
Equity and liabilities €456k
Equity
€277k▼ 14.7%
Debt
€179k▲ 42.3%
The debt ratio rises from 27.9% to 39.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€386k▲
2023 · €199k
Cash flow
€296k▲
2023 · €157k
Solvency
60.8%▼
2023 · 72.1%
Current ratio
3.80▼
2023 · 11.61
Quick ratio
3.80▼
2023 · 11.61
Debt / equity
0.65▲
2023 · 0.39
ROE
93.3%▲
2023 · 39.6%
ROA
56.7%▲
2023 · 28.5%
Interest coverage
45.13▼
2023 · 47.53
Debt
€179k▲
2023 · €126k
Debt ≤ 1 year
€74k▲
2023 · €21k
Debt > 1 year
€105k=
2023 · €105k
Income taxes
€84k▲
2023 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€451k€456k▲
Fixed assets21/28€210k€176k▼
Tangible fixed assets22/27€205k€172k▼
Land and buildings22€88k€78k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€84k€67k▼
Other tangible fixed assets26€31k€24k▼
Financial fixed assets28€5k€5k=
Current assets29/58€241k€280k▲
Amounts receivable within one year40/41€35k€37k▲
Trade receivables40€33k€35k▲
Other amounts receivable41€1k€2k▲
Current investments50/53€50k€25k▼
Cash at bank and in hand54/58€155k€214k▲
Deferred charges and accrued income490/1€822€4k▲
Equity and liabilities
Total equity and liabilities10/49€451k€456k▲
Equity10/15€325k€277k▼
Contributions10/11€19k€19k=
Reserves13€307k€259k▼
Distributable reserves133€307k€259k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€126k€179k▲
Amounts payable after more than one year17€105k€105k=
Financial debts170/4€80k€80k=
Other amounts payable178/9€25k€25k=
Amounts payable within one year42/48€21k€74k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€14k€63k▲
Taxes450/3€14k€63k▲
Other amounts payable47/48€0€6k▲
Accrued charges and deferred income492/3-€138
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€37k▲
Other operating charges640/8€873€1k▲
Gross operating margin9900€200k€387k▲
Operating profit (loss)9901€171k€348k▲
Financial income75/76B€499€3k▲
Recurring financial income75€499€3k▲
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€167k€343k▲
Income taxes67/77€39k€84k▲
Profit (loss) for the period9904€129k€259k▲
Profit (loss) for the period to be appropriated9905€129k€259k▲
Appropriation of the result
Profit (loss) to be appropriated9906€129k€259k▲
Transfer from equity791/2€90k€307k▲
Transfer to equity691/2€129k€259k▲
To other reserves6921€129k€259k▲
Profit to be distributed694/7€90k€307k▲
Return on contributions (dividend)694€90k€307k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €259k ▲101%
Operating result €348k, net result €259k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 10.20
Current ratio from 2.82 to 10.20; short-term debt falls from €58k to €16k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Equity above €200kEq €221k ▲14.6%
3 profitable years in a row build equity to €221k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €193k ▲54.6%
2 profitable years in a row build equity to €193k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
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.
14-09-2020
Resigned as Director
Location & real-estate footprint
Registered office, Evergem · 1 establishment unit since 2016
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.
Diksmere 59940 EvergemGround area
1,154 m²
Building footprint
212 m²
Volume, LiDAR
1,122 m³
Parcel 44302D0455/00D000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BZC BVBA
since 20162.252.750.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302D0455/00D000 | Flanders | 1,154 m² | 1 · 212 m² | 7.7 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
JAL & Co
BE 0769.796.948
Lasne · Eq €277k
BOMED
BE 0701.902.985
Boechout · Eq €277k
VALUE CONSULT
BE 0839.337.238
Ukkel · Eq €278k
Laurent GOBLET Management
BE 0671.646.212
Verviers · Eq €278k
Resile
BE 1001.413.251
Temse · Eq €278k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 4,909 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2016
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.