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BCMD

Active
Private limited company·Activiteiten van advocaten· 3 yrs active
Rue de la Faille 47 ·4000 Liège, Belgium
KBO/BCE: BE 0793.881.256
Watch Print / PDF
Belgian State Gazette acts: 0 of 1 read
Age3 yrs
Real estate1 parcel · 315 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BCMD is 0.7% (low). The 2022 annual accounts show equity of €18k and a net result of €15k. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-05-2026, 82 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 4 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 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 10-05-2026 82 d early 2026-00107046
31-12-2024 31-07-2025 01-05-2025 91 d early 2025-00084955
31-12-2023 31-07-2024 14-06-2024 47 d early 2024-00128369
31-12-2022 31-07-2023 03-08-2023 3 d late 2023-00310016

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
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.7% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

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

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€15k
Working capital€18k

Annual accounts & ratios

Source: NBB · 2022
Annual accounts filed on 10-05-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2022
Depositmicro
Revenue-
EBITDA€20k
Net profit€15k
Cash flow€15k
Staff costs-
Income taxes€5k
Dividends-
Total assets€32k
Equity€18k
Debt€14k
of which ≤ 1y€14k
of which > 1y-
Working capital€18k
Employees (FTE)-
Ratios (computed)
2022
Current ratio2.31
Quick ratio2.31
Working capital ratio56.7%
Solvency56.7%
Debt / equity0.76
Long-term debt ratio-
Interest coverage3395.49
Gross margin-
Net margin-
ROA47.4%
ROE83.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding35d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€32k
Formation expenses 20€0
Current assets 29/58€32k
Amounts receivable within one year 40/41€0
Cash & bank 54/58€32k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€32k
Equity 10/15€18k
Contributions / capital 10/11€3k
Reserves 13€15k
Accumulated profits (losses) 14€275
Amounts payable 17/49€14k
Amounts payable within one year 42/48€14k
Trade debts payable within one year 44€926
Income statement
Gross operating margin 9900€20k
Operating result 9901€20k
Financial charges 65€6
Result before taxes 9903€20k
Income taxes 67/77€5k
Net result for the period 9904€15k
Result to be appropriated 9905€15k
Ratios computed by Checked.

Health barometer

FY 2022 · computed
93 / 100 Excellent
050100
Computed from 4 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 2022. 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

1 location
BCMD
Rue de la Faille 47, 4000 LiègeActiviteiten van advocaten
since 20222.338.807.382
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area315 m²
Buildings1
Building footprint92 m²
Volume (LiDAR)916 m³
Tallest building11.4 m · ±3 fl.

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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62804D0382/00Y004 Wallonia 315 m² 1 · 92 m² 11.4 m · 3 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

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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

Financial profile

4 of 5 axes measured
Health93Profitability100Solvency97Growth-Stability79
92 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 97
Growth -
Stability 79

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 3,205 of the 21,883 companies in this sector. 2,667 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van advocaten69101Activiteiten van advocaten69101
Primary activity highlighted.
Names & trade names
Legal nameFR BCMD
Registered office
Rue de la Faille 47
4000 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.