Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BCRB is 12.0% (high). The 2024 annual accounts show equity of €3k and a net result of €-8k. Its solvency ranks better than 29% of 11121 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone12.0%
High
0%0,5%1,5%4%10%≥25%
Young company
+Recent warning signals
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 event24-11-2025
KBO administration
Address struck
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 28 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 31-07-2025 | on the day | 2025-00351193 |
| 31-12-2023 | 31-07-2024 | 05-08-2024 | 5 d late | 2024-00327639 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
1 signalNo legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
1 eventAddress struck
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-8k
Working capital€2k-79.6%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 31-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 23.5% | 40.9% | |
| Net result | €-8k | €11k | |
| Equity | €3k | €34k | |
| Gross operating margin | €-5k | €35k | |
| Total assets | €12k | €94k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-6k
-
23-24
€-8k
-
23-24
€-8k
-
23-24
€12k
-53.5%
23-24
€3k
-75.0%
23-24
€2k
-79.6%
23-24
€2k
-
23-24
€9k
-36.6%
23-24
Show 8 other metrics
€9k
-36.6%
23-24
1.23
-28.0%
23-24
1.23
-28.0%
23-24
23.5%
-46.4%
23-24
3.25
+154.0%
23-24
-300.7%
-
23-24
-70.8%
-
23-24
-22.98
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-6k |
| Net profit | €-8k |
| Cash flow | €-8k |
| Staff costs | - |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €12k |
| Equity | €3k |
| Debt | €9k |
| of which ≤ 1y | €9k |
| of which > 1y | - |
| Working capital | €2k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.23 |
| Quick ratio | 1.23 |
| Working capital ratio | 17.3% |
| Solvency | 23.5% |
| Debt / equity | 3.25 |
| Long-term debt ratio | - |
| Interest coverage | -22.98 |
| Gross margin | - |
| Net margin | - |
| ROA | -70.8% |
| ROE | -300.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €12k |
| Fixed assets | 21/28 | €745 |
| Tangible fixed assets | 22/27 | €625 |
| Financial fixed assets | 28 | €120 |
| Current assets | 29/58 | €11k |
| Amounts receivable within one year | 40/41 | €9k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €12k |
| Equity | 10/15 | €3k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €818 |
| Amounts payable | 17/49 | €9k |
| Amounts payable within one year | 42/48 | €9k |
| Trade debts payable within one year | 44 | €1k |
| Income statement | ||
| Gross operating margin | 9900 | €-5k |
| Operating result | 9901 | €-6k |
| Financial charges | 65 | €248 |
| Result before taxes | 9903 | €-6k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €-8k |
| Result to be appropriated | 9905 | €-8k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed27
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Connections & network
7 connected companies1 further connections in this company's network. Available in Kantoor S.
See plans →Network connections
Shared address
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Shared address
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Shared address
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Shared address
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Show 2 more network connections
Shared address
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Shared address
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1 further connected company in this network. Available in Kantoor S.
See plans →
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Steenweg op Ruisbroek 2571620 DrogenbosEstablishment units
1 locationBCRB
since 20232.342.892.567
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area7,925 m²
Buildings1
Building footprint4,905 m²
Volume (LiDAR)34,514 m³
Tallest building12.9 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001B0038/00K000 | Flanders | 7,925 m² | 1 · 4,905 m² | 12.9 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette24-11-2025
KBO administration
Address struck
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
2 acts Address history · 1
19-11-2025
v3.2
All acts · 2
updated 9 months ago
2025
19-11-2025 Registered office moved from Asse to Drogenbos
- Doornveld 140, 1731 Asse → Ruisbroeksesteenweg 257, 1620 Drogenbos
Summary:
v3.2
2023
02-03-2023 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured37
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
27
Profitability
0
Solvency
39
Growth
32
Stability
86
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 450 of the 3,998 companies in this sector. 192 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Stukadoorswerk43310Slopen43110Algemene reiniging van gebouwen81210
Primary activity highlighted.
Names & trade names
| Legal nameNL | BCRB |
Registered office
Steenweg op Ruisbroek 257
1620 Drogenbos, Belgium
Registration history
- 24-11-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.