BCBN
ActiveThe computed 12-month bankruptcy probability of BCBN is 1.6% (moderate). The 2025 annual accounts show equity of €289k and a net result of €74k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 7321 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.81 against 2.31 in 2024), and 40.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.5%
Return on assets
15.2%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
7 d early
2024
1 d early
2023
19 d late
2022
24 d late
2021
3 d late
2020
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€289k▲ 34.4%
2024 · €215k
2020: €94k
2021: €178k
2022: €242k
2023: €199k
2024: €215k
2020 → 2025
Total assets
€485k▲ 23.6%
2024 · €392k
2020: €118k
2021: €258k
2022: €397k
2023: €312k
2024: €392k
2020 → 2025
Net result
€74k▼ 22.8%
2024 · €96k
2020: €84k
2021: €83k
2022: €65k
2023: €67k
2024: €96k
2020 → 2025
Working capital
€378k▲ 104%
2024 · €185k
2020: €94k
2021: €197k
2022: €230k
2023: €182k
2024: €185k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€178k-€242k▲ 36.3%€199k▼ 17.9%€215k▲ 7.9%€289k▲ 34.4%
Operating result€112k-€87k▼ 22.6%€87k▲ 0.3%€129k▲ 48.3%€102k▼ 20.8%
Net result€83k-€65k▼ 22.7%€67k▲ 3.3%€96k▲ 43.5%€74k▼ 22.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €485k
Fixed assets
€51k▼ 22.2%
Current assets
€434k▲ 32.8%
Equity and liabilities €485k
Equity
€289k▲ 34.4%
Debt
€196k▲ 10.6%
The debt ratio falls from 45.2% to 40.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€118k▼
2024 · €144k
Cash flow
€90k▼
2024 · €111k
Solvency
59.5%▲
2024 · 54.8%
Current ratio
7.81▲
2024 · 2.31
Quick ratio
7.81▲
2024 · 2.31
Debt / equity
0.68▼
2024 · 0.83
ROE
25.6%▼
2024 · 44.6%
ROA
15.2%▼
2024 · 24.4%
Interest coverage
31.89▼
2024 · 98.40
Debt
€196k▲
2024 · €177k
Debt ≤ 1 year
€56k▼
2024 · €141k
Debt > 1 year
€141k▲
2024 · €36k
Income taxes
€24k▼
2024 · €32k
Staff costs
€23k▲
2024 · €22k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€392k€485k▲
Fixed assets21/28€65k€51k▼
Tangible fixed assets22/27€65k€51k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€37k€25k▼
Other tangible fixed assets26€28k€25k▼
Financial fixed assets28€229€229=
Current assets29/58€327k€434k▲
Amounts receivable within one year40/41€83k€206k▲
Trade receivables40€71k€206k▲
Other amounts receivable41€12k€0▼
Cash at bank and in hand54/58€230k€211k▼
Deferred charges and accrued income490/1€13k€17k▲
Equity and liabilities
Total equity and liabilities10/49€392k€485k▲
Equity10/15€215k€289k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€205k€279k▲
Amounts payable17/49€177k€196k▲
Amounts payable after more than one year17€36k€141k▲
Financial debts170/4€36k€141k▲
Amounts payable within one year42/48€141k€56k▼
Current portion of amounts payable after more than one year42€21k€28k▲
Trade debts44€8k€1k▼
Suppliers440/4€8k€1k▼
Taxes, remuneration and social security45€44k€26k▼
Taxes450/3€38k€20k▼
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€68k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€22k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€771€4k▲
Gross operating margin9900€167k€145k▼
Operating profit (loss)9901€129k€102k▼
Financial income75/76B€189€0▼
Recurring financial income75€189€0▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€128k€98k▼
Income taxes67/77€32k€24k▼
Profit (loss) for the period9904€96k€74k▼
Profit (loss) for the period to be appropriated9905€96k€74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€285k€279k▼
Profit (loss) brought forward from the previous period14P€189k€205k▲
Profit to be distributed694/7€80k€0▼
Return on contributions (dividend)694€80k€0▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 7.81
Current ratio from 2.31 to 7.81; short-term debt falls from €141k to €56k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €96k ▲43.5%
Operating result €129k, net result €96k, both a record.
31-12
Financial
Equity above €200kEq €215k ▲7.9%
5 profitable years in a row build equity to €215k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €65k ▼22.7%
Net result drops to €65k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €242k ▲36.3%
3 profitable years in a row build equity to €242k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Equity above €150kEq €178k ▲88.3%
2 profitable years in a row build equity to €178k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Erpe-Mere · 1 establishment unit since 2022
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.
Opaaigem 19420 Erpe-MereGround area
1,113 m²
Building footprint
348 m²
Volume, LiDAR
649 m³
Parcel 41001B0222/00F000, Flanders · tallest building 6.3 m. Linked by address, not a title deed.
1 establishment unit
BCBN
since 20222.333.786.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41001B0222/00F000 | Flanders | 1,113 m² | 1 · 348 m² | 6.3 m |
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.
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DC TECHNIC
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PROJET TIME
BE 0723.835.081
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SCHOOFS LEO
BE 0860.674.565
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IBOUW TECH
BE 0672.396.773
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,874. 10,986 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.