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Complete company report
Generated 10-08-2026
Active BE 0433.976.119Private limited company

BCG

Chemin des Deux-Pays 32 ·5150 Floreffe, Belgium· 38 yrs active
Sector: NACE 66220 (66220)
Conclusion Checked

BCG is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 38 yrs
Board 1
Locations 1
Publications 2
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1988, 38 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 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 30-08-2025 2025-00449949
31-12-2023 micro 28-07-2025 2025-00314669
31-12-2022 micro 23-06-2023 2023-00150986
31-12-2021 micro 26-08-2022 2022-20323581
31-12-2020 volledig 24-06-2021 2021-24300148
31-12-2019 volledig 12-06-2020 2020-16500134
31-12-2018 volledig 07-05-2019 2019-12600397
31-12-2017 volledig 13-08-2018 2018-45200188
31-12-2016 volledig 14-12-2017 2017-72000379
31-12-2015 volledig 31-07-2016 2016-39900174
Directors & mandates 2 directors
Current directors & mandates
  • GG Invest SRLLegal entity
    Director· perm. rep.: Bruno Germiat
    State Gazette act 22038468 (23-03-2022)
    Current
    15-03-2022 → present
    2 events
    • 15-03-2022 Appointed· Director
    • 15-03-2022 Appointed· Director
Former directors (1)
  • Bruno Germiat
    Director
    State Gazette act 22038468 (23-03-2022)
    Former
    - → 15-03-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary 66220
Legal form Private limited company(610)
Incorporation13-04-1988
StatusActive
Postal code5150
Establishment units 1 location
BRUNO GERMIAT SPRL
Chemin des Deux-Pays 32, 5150 FloreffeHandelsbemiddeling in de niet-gespecialiseerde groothandel
since 19972.038.808.257
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
30-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
28-07-2025
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
12-12-2023
State Gazette act Statutes amendment
L'objet de la société a été modifié pour inclure l'exploitation d'un bureau de courtage et d'agences en assurances, financement, crédit et prêt, ainsi que l'exploitation d'un bureau de gestion de port… · Bernard van der Beek
23-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
26-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
23-03-2022
State Gazette act Director changes
2021
24-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
12-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
07-05-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
13-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
14-12-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
31-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 2 years ago
2023
12-12-2023 Articles of association amended, translation of the articles, coordination of the articles and full restatement of the articles Statutes amendment·Bernard van der Beek
Summary: L'objet de la société a été modifié pour inclure l'exploitation d'un bureau de courtage et d'agences en assurances, financement, crédit et prêt, ainsi que l'exploitation d'un bureau de gestion de port…Notary: Bernard van der Beek · Schaerbeek
Technical details 
{
  "notary": {
    "name": "Bernard van der Beek",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Schaerbeek",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2023-12-12",
    "filing_date": "2023-12-08",
    "act_kind_objet": "STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS), MODIFICATION FORME JURIDIQUE, DIVERS, DENOMINATION"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2023-12-01",
    "unanimous": true
  },
  "statute_change": {
    "kinds": [
      "translation",
      "coordination",
      "full_restatement",
      "legal_form_change",
      "name_change",
      "wvv_adaptation",
      "seat_region_change"
    ],
    "scope": "full_restatement",
    "trigger": "wvv_adaptation",
    "language_after": "fr",
    "language_before": "fr"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0433.976.119",
    "name_full_after": "BCG",
    "legal_form_after": "Soci\u00E9t\u00E9 priv\u00E9e \u00E0 responsabilit\u00E9 limit\u00E9e",
    "name_full_before": "BRUNO GERMIAT",
    "current_zetel_raw": "Chemin des Deux-Pays 32 : 5150 Floreffe",
    "legal_form_before": "Soci\u00E9t\u00E9 priv\u00E9e \u00E0 responsabilit\u00E9 limit\u00E9e"
  },
  "special_mandates": [],
  "articles_modified": [
    {
      "summary": "Le quorum d\u0027assistance \u00E0 l\u0027assembl\u00E9e g\u00E9n\u00E9rale est atteint par la pr\u00E9sence ou la repr\u00E9sentation de tous les actionnaires.",
      "new_text": null,
      "change_kind": "amended",
      "article_title": null,
      "article_number": "5"
    },
    {
      "summary": "Le pr\u00E9sident de l\u0027assembl\u00E9e exerce \u00E9galement les r\u00F4les de secr\u00E9taire et de scrutateur.",
      "new_text": null,
      "change_kind": "amended",
      "article_title": null,
      "article_number": "13"
    },
    {
      "summary": "Les d\u00E9cisions sont prises \u00E0 la majorit\u00E9 des voix, quel que soit le nombre de titres repr\u00E9sent\u00E9s \u00E0 l\u0027assembl\u00E9e g\u00E9n\u00E9rale.",
      "new_text": null,
      "change_kind": "amended",
      "article_title": null,
      "article_number": "22 \u00A74"
    }
  ],
  "governance_change": {
    "organ_kind_after": "monistic",
    "organ_kind_before": "monistic",
    "admin_delegated_added": [
      {
        "name": "GERMIAT Bruno",
        "excluded_powers": []
      }
    ],
    "representation_rule_after": "enige_bestuurder",
    "co_signature_threshold_eur": null,
    "representation_rule_before": "enige_bestuurder"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Bernard van der Beek",
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "une exp\u00E9dition de l\u0027acte",
    "les statuts coordonn\u00E9s"
  ],
  "shareholder_rights": {
    "quorum_rules_changed": true,
    "liquidation_preference_text": null,
    "voorkeurrecht_rules_changed": true,
    "aandelenoverdracht_restrictions_changed": true
  },
  "voorwerp_change_summary": "L\u0027objet de la soci\u00E9t\u00E9 a \u00E9t\u00E9 modifi\u00E9 pour inclure l\u0027exploitation d\u0027un bureau de courtage et d\u0027agences en assurances, financement, cr\u00E9dit et pr\u00EAt, ainsi que l\u0027exploitation d\u0027un bureau de gestion de portefeuille d\u0027assurances et de conseils en cette mati\u00E8re.",
  "capital_structure_change": {
    "operations": [
      "wvv_capital_release"
    ],
    "split_ratio": null,
    "shares_after": 2620,
    "shares_before": 3000,
    "capital_after_eur": 74368.0,
    "capital_before_eur": 74368.0,
    "share_classes_after": []
  },
  "coordinated_text_lineage": {
    "previous_ag_date": null,
    "previous_mb_reference": "1988-05-06/083"
  }
}
2022
23-03-2022 2 directors appointed, 1 resigning Director changes
  • GG Invest SRL, Bestuurder
  • Bruno Germiat, Bestuurder
  • Bruno Germiat, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": "57.08.21-295.37",
        "name": "Bruno Germiat",
        "address": "chemin des Deux Pays, 32",
        "birth_date": "1957-08-21",
        "profession": null,
        "birth_place": "Wamba, R\u00E9publique D\u00E9mocratique du Congo"
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-03-15",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale prend acte la d\u00E9mission de sa fonction d\u0027administrateur de : -Bruno Germiat, n\u00E9 le 21 ao\u00FBt 1957 \u00E0 Wamba, R\u00E9publique D\u00E9mocratique du Congo et domicili\u00E9 chemin des Deux Pays, 32 (NN 57.08.21-295.37), lettre de d\u00E9mission en date 15 f\u00E9vrier 2022.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0870.718.619",
        "name": "GG Invest SRL",
        "address": "chemin des Deux Pays, 32 \u00E0 5150 Floreffe",
        "country": "BE",
        "legal_form": "SRL"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-03-15",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide \u00E0 l\u0027unanimit\u00E9 de nommer en qualit\u00E9 d\u0027administrateur: -La soci\u00E9t\u00E9 GG Invest SRL (BCE 0870.718.619) dont le si\u00E8ge social est \u00E9tabli chemin des Deux Pays, 32 \u00E0 5150 Floreffe",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": "57.08,21-295.37",
        "name": "Bruno Germiat",
        "address": "chemin des Deux Pays, 32",
        "birth_date": "1957-08-21",
        "profession": null,
        "birth_place": "Wamba, R\u00E9publique D\u00E9mocratique du Congo"
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0870.718.619",
        "name": "GG Invest SRL",
        "address": "chemin des Deux Pays, 32 \u00E0 5150 Floreffe",
        "country": "BE",
        "legal_form": "SRL"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-03-15",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale acte \u00E9galement la nomination en tant que repr\u00E9sentant permanent d\u0027administrateur -Bruno Germiat, n\u00E9 le 21 ao\u00FBt 1957 \u00E0 Wamba, R\u00E9publique D\u00E9mocratique du Congo et domicili\u00E9 chemin des Deux Pays, 32 (NN 57.08,21-295.37) est \u00E0 pr\u00E9sent le repr\u00E9sentant de la soci\u00E9t\u00E9 GG Invest SRL (BCE",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "board_snapshot",
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      "via_org": {
        "kbo": "0870.718.619",
        "name": "GG Invest SRL",
        "address": "chemin des Deux Pays, 32 \u00E0 5150 Floreffe",
        "country": "BE",
        "legal_form": "SRL"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-03-15",
      "evidence_quote": "D\u00E9sormais, l\u0027organe d\u0027administration se compose de(s) administrateur(s) suivant(s) : 1.GG Invest SRL repr\u00E9sent\u00E9e par Bruno Germiat, son repr\u00E9sentant permanent",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    }
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  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Li\u00E8ge",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2022-03-23",
    "filing_date": "2022-03-15",
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    "person_name": "Bruno Germiat",
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}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

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

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
Legal nameFR BCG
Registered office
Chemin des Deux-Pays 32
5150 Floreffe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative