BCB CAFE · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BCB CAFE is 6.0% (elevated). The 2024 annual accounts show negative equity (€-102k) and a net result of €-43k. Equity is shrinking by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 5615 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

6.0% Elevated

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Annual accounts: weaker financial profile +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Negative equity

Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 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.

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2026, 341 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

The year end is derived from 10 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	07-07-2026	341 d late	2026-00270037
31-12-2023	31-07-2024	25-03-2025	237 d late	2025-00053679
31-12-2022	31-07-2023	07-11-2023	99 d late	2023-00511243
31-12-2021	31-07-2022	29-06-2022	32 d early	2022-20129351
31-12-2020	31-07-2021	05-08-2021	5 d late	2021-46800084
31-12-2019	31-07-2020	18-08-2020	18 d late	2020-42500078
31-12-2018	31-07-2019	31-10-2019	92 d late	2019-72900320
31-12-2017	31-07-2018	07-09-2018	38 d late	2018-62300294
31-12-2016	31-07-2017	14-08-2017	14 d late	2017-43400494
31-12-2015	31-07-2016	22-08-2016	22 d late	2016-44700470

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

2 signals

Established

Founded in 2015, 11 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-43k-490.9%

Working capital€-112k-58.7%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 07-07-2026 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~14.4%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-720.9%	19.3%	better than 5% of 5615 sector peers
Net result	€-43k	€4k	better than 6% of 5603 sector peers
Equity	€-102k	€14k	better than 5% of 5626 sector peers
Gross operating margin	€-40k	€52k	better than 5% of 5589 sector peers
Total assets	€14k	€87k	better than 10% of 5616 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P5

Stable position over 2020-2024 · n=1290-5615

Net result P6

Weakening position over 2020-2024 · n=1282-5603

Equity P5

Stable position over 2020-2024 · n=1294-5626

Gross operating margin P5

Weakening position over 2020-2024 · n=1277-5589

Describes the position versus peers, not a forecast.

EBITDA

€-40k

-673.8% 18-24

Net profit

€-43k

-490.9% 18-24

Cash flow

€-41k

-664.7% 18-24

Total assets

€14k

-36.0% 18-24

Equity

€-102k

-73.4% 18-24

Working capital

€-112k

-58.7% 18-24

Employees (FTE)

1

-29.4% 18-24

Staff costs

€28

-1.0% 18-24

Debt

€116k

+43.5% 18-24

Debt ≤ 1y

€116k

+43.5% 18-24

Current ratio

0.04

-71.8% 18-24

Quick ratio

0.01

-67.5% 18-24

Solvency

-720.9%

-170.8% 18-24

Debt / equity

-1.14

+17.2% 18-24

ROE

42.3%

+240.8% 18-24

ROA

-305.2%

-822.9% 18-24

Interest coverage

-32.91

-40.3% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€-40k
Net profit	€-43k
Cash flow	€-41k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€14k
Equity	€-102k
Debt	€116k
of which ≤ 1y	€116k
of which > 1y	-
Working capital	€-112k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.04
Quick ratio	0.01
Working capital ratio	-791.3%
Solvency	-720.9%
Debt / equity	-1.14
Long-term debt ratio	-
Interest coverage	-32.91
Gross margin	-
Net margin	-
ROA	-305.2%
ROE	42.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	15d
Inventory turnover	18.01
Days inventory (DSI)	20d

Balance-sheet composition 2024

Assets

Fixed assets €10k · 70.4% Current assets €4k · 29.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€14k
Fixed assets	21/28	€10k
Tangible fixed assets	22/27	€7k
Financial fixed assets	28	€3k
Current assets	29/58	€4k
Stocks & contracts in progress	3	€3k
Amounts receivable within one year	40/41	€594
Cash & bank	54/58	€240
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€14k
Equity	10/15	€-102k
Contributions / capital	10/11	€20k
Reserves	13	€1k
Accumulated profits (losses)	14	€-123k
Amounts payable	17/49	€116k
Amounts payable within one year	42/48	€116k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€-40k
Operating result	9901	€-42k
Financial charges	65	€1k
Result before taxes	9903	€-43k
Net result for the period	9904	€-43k
Result to be appropriated	9905	€-43k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

7 / 100 Critical

050100

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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

2 locations

BCB CAFE

Route de Saint-Gérard(WP) 132, 5100 NamurCafés en bars

since 20152.239.408.712

BCB CAFE

Rue de Thy-le-Bauduin(Lan) 50, 5651 WalcourtDiverse administratieve activiteiten ten behoeve van kantoren

since 20172.261.771.467

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area2,468 m²

Buildings2

Building footprint219 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92135C0760/00K000	Wallonia	1,251 m²	1 · 120 m²	-
93037B0046/00H000	Wallonia	1,217 m²	1 · 99 m²	-

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

54 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 7

Profitability 100

Solvency 33

Growth 32

Stability 100

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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We hold annual accounts for 1,341 of the 13,886 companies in this sector. 1,115 of them are within a factor 10 of this company's equity.

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Company registry

Company registry (CBE)

Crossroads Bank

Activities

Cafés en bars56301Cafés en bars56301

Primary activity highlighted.

Names & trade names

Legal nameFR	BCB CAFE
Trade nameFR	BCB CAFE

Registered office

Route de Saint-Gérard(WP) 132

5100 Namur, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.