BCF INVEST
ActiveSummary
BCF INVEST has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-900k) and a net result of €-37k. Equity is shrinking by ~12% per year across the filed fiscal years. Its solvency ranks better than 5% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
30
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability5▼-2
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.07 in 2023; short-term debt: 328.4% of total assets), and equity is negative.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-261.8%
Return on assets
-10.8%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-900k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
59 d late
2023
58 d late
2022
31 d late
2021
74 d late
2020
178 d late
2019
6 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€90k
EBIT margin
-17.7%
Net result
€-37k▼ 21.2%
2023 · €-31k
2018: €-42k
2019: €-160k
2020: €-114k
2021: €-265k
2022: €9k
2023: €-31k
2018 → 2024
Working capital
€-1.05M▼ 8.6%
2023 · €-969k
2018: €-1.81M
2019: €-1.99M
2020: €-2.09M
2021: €-858k
2022: €-893k
2023: €-969k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-576k-€-841k▼ 46.0%€-832k▲ 1.0%€-863k▼ 3.7%€-900k▼ 4.3%
Operating result€-93k-€-250k▼ 168%€22k€-20k€-28k▼ 43.7%
Net result€-114k-€-265k▼ 132%€9k€-31k€-37k▼ 21.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2024 against €20k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €344k
Fixed assets
€268k ▼ 1.0%
Current assets
€76k ▲ 12.0%
Key figures and ratios
EBITDA
€-26k▼
2023 · €-17k
Cash flow
€-34k▼
2023 · €-28k
Solvency
-261.8%▼
2023 · -255.2%
Current ratio
0.07▲
2023 · 0.07
Debt to equity
-1.38▲
2023 · -1.39
ROA
-10.8%▼
2023 · -9.0%
Interest coverage
-2.95▼
2023 · -1.58
Debt
€1.24M▲
2023 · €1.20M
Debt ≤ 1 year
€1.13M▲
2023 · €1.04M
Debt > 1 year
€113k▼
2023 · €164k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 36 lines
Balance sheet
Code20232024
Assets
Total assets20/58€338k€344k▲
Fixed assets21/28€270k€268k▼
Tangible fixed assets22/27€270k€268k▼
Land and buildings22€270k€268k▼
Current assets29/58€68k€76k▲
Amounts receivable within one year40/41€68k€76k▲
Trade receivables40€18k€24k▲
Other amounts receivable41€50k€52k▲
Deferred charges and accrued income490/1-€493
Equity and liabilities
Total equity and liabilities10/49€338k€344k▲
Equity10/15€-863k€-900k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-869k€-906k▼
Amounts payable17/49€1.20M€1.24M▲
Amounts payable after more than one year17€164k€113k▼
Financial debts170/4€164k€113k▼
Amounts payable within one year42/48€1.04M€1.13M▲
Current portion of amounts payable after more than one year42€48k€51k▲
Financial debts43€8€8=
Credit institutions430/8€8€8=
Trade debts44€312€5k▲
Suppliers440/4€312€5k▲
Other amounts payable47/48€989k€1.07M▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€5k€5k▲
Non-recurring operating charges66A-€700
Gross operating margin9900€-12k€-20k▼
Operating profit (loss)9901€-20k€-28k▼
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€-31k€-37k▼
Profit (loss) for the period9904€-31k€-37k▼
Profit (loss) for the period to be appropriated9905€-31k€-37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-869k€-906k▼
Profit (loss) brought forward from the previous period14P€-839k€-869k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 4 loss-making years.
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 178 days late
2021
31-12
Financial
Weakest financial yearnet €-265k
Net result drops to €-265k, the lowest in the series; recovery starts the following year.
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 6 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 5 days late
2018
03-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 34 days late
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ans · 1 establishment unit since 2011
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.
Rue Branche Planchard 1124430 AnsGround area
248 m²
Building footprint
95 m²
Volume, LiDAR
624 m³
Parcel 62332B0080/00S002, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Branche Planchard 112, 4430 Ans
since 20112.203.703.705
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62332B0080/00S002 | Wallonia | 248 m² | 1 · 95 m² | 8.4 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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2011
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.