BECO4HR
ActiveSummary
BECO4HR has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €365k and a net result of €11k. Equity is growing by ~36.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 8093 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▼-28
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 14.66 against 17.16 in 2023; short-term debt: 3% and cash: 35.9% of total assets), and 3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
97%
Return on assets
2.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
21 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
35 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€365k▲ 3.0%
2023 · €355k
2019: €58k
2020: €57k
2021: €94k
2022: €311k
2023: €355k
2019 → 2024
Total assets
€376k▲ 1.8%
2023 · €370k
2019: €219k
2020: €165k
2021: €172k
2022: €346k
2023: €370k
2019 → 2024
Net result
€11k▼ 93.5%
2023 · €161k
2019: €46k
2020: €-1k
2021: €37k
2022: €212k
2023: €161k
2019 → 2024
Working capital
€153k▼ 36.8%
2023 · €242k
2019: €-52k
2020: €-47k
2021: €-22k
2022: €204k
2023: €242k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€57k-€94k▲ 64.1%€311k▲ 233%€355k▲ 13.9%€365k▲ 3.0%
Operating result€1k-€50k▲ 3,741%€17k▼ 65.8%€12k▼ 32.3%€18k▲ 55.5%
Net result€-1k-€37k€212k▲ 479%€161k▼ 24.0%€11k▼ 93.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 56% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €376k
Fixed assets
€212k ▲ 88.7%
Current assets
€164k ▼ 36.1%
Equity and liabilities €376k
Equity
€365k ▲ 3.0%
Debt
€11k ▼ 25.2%
Debt's share of the balance-sheet total falls from 4.1% to 3.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2023 · €20k
Cash flow
€41k▼
2023 · €169k
Current ratio
14.66▼
2023 · 17.16
Debt to equity
0.03▼
2023 · 0.04
ROE
2.9%▼
2023 · 45.4%
ROA
2.8%▼
2023 · 43.5%
Interest coverage
1061.49▲
2023 · 35.71
Debt ≤ 1 year
€11k▼
2023 · €15k
Income taxes
€8k▲
2023 · €251
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 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€370k€376k▲
Fixed assets21/28€112k€212k▲
Tangible fixed assets22/27€19k€118k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€19k€118k▲
Leasing and similar rights25€0-
Financial fixed assets28€94k€94k=
Current assets29/58€257k€164k▼
Amounts receivable within one year40/41€6k€24k▲
Trade receivables40€4k€17k▲
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€247k€135k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€370k€376k▲
Equity10/15€355k€365k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€336k€347k▲
Amounts payable17/49€15k€11k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€15k€11k▼
Current portion of amounts payable after more than one year42€6k€0▼
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€1k€7k▲
Taxes450/3€1k€7k▲
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Non-recurring operating income76A-€23k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€31k▲
Other operating charges640/8€2k€974▼
Gross operating margin9900€22k€50k▲
Operating profit (loss)9901€12k€18k▲
Financial income75/76B€150k€225▼
Recurring financial income75€150k€225▼
Financial charges65/66B€559€46▼
Recurring financial charges65€559€46▼
Profit (loss) for the period before taxes9903€161k€18k▼
Income taxes67/77€251€8k▲
Profit (loss) for the period9904€161k€11k▼
Profit (loss) for the period to be appropriated9905€161k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€454k€347k▼
Profit (loss) brought forward from the previous period14P€293k€336k▲
Profit to be distributed694/7€118k€0▼
Return on contributions (dividend)694€118k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 17.16
Current ratio from 8.41 to 17.16; short-term debt falls from €28k to €15k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2019net €212k ▲479%
Net result €212k, the highest in the series.
31-12
Financial
Liquidity times 13current ratio 8.41
Current ratio from 0.63 to 8.41; short-term debt falls from €58k to €28k.
31-12
Financial
Equity above €200kEq €311k ▲233%
2 profitable years in a row build equity to €311k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-1k ▼102%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kapellen · 1 establishment unit since 2018
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.
Speckweg 442950 KapellenGround area
1,828 m²
Building footprint
218 m²
Volume, LiDAR
966 m³
Parcel 11023A0212/00W006, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BECO4HR
since 20182.274.222.408
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023A0212/00W006 | Flanders | 1,828 m² | 1 · 218 m² | 8.6 m · 1 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.
Similar companies · same sector, comparable size
TIMA INVEST
BE 0472.668.330
Avelgem · Eq €365,117
WISHBONE MARINE
BE 0473.973.474
Beersel · Eq €365,165
PHD CONSULT
BE 0465.582.479
Meise · Eq €365,072
CORE CONSTRUCT
BE 0899.056.970
Dendermonde · Eq €365,060
AMBITION TO SUCCESS
BE 0435.429.337
Wavre · Eq €365,237
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 36,945 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.