BeCooL
ActiveSummary
BeCooL has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €208k and a net result of €-48k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability26▼-47
Solvency55▼-3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.64 against 3.32 in 2023; short-term debt: 18.5% and cash: 3.8% of total assets), but 70.2% of the assets are financed with debt.
Credit check 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
29.8%
Return on assets
-6.8%
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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
68 d late
2023
30 d late
2022
31 d late
2021
46 d late
2020
88 d late
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€208k▼ 18.6%
2023 · €255k
2018: €105klowest in 7 years
2019: €111k▲ +6.2% vs 2018
2020: €142k▲ +28.2% vs 2019
2021: €157k▲ +10.6% vs 2020
2022: €226k▲ +43.8% vs 2021
2023: €255k▲ +12.9% vs 2022highest in 7 years
2024: €208k▼ -18.6% vs 2023
2018 → 2024
Total assets
€697k▼ 11.2%
2023 · €785k
2018: €963k
2019: €975k▲ +1.3% vs 2018highest in 7 years
2020: €946k▼ -3.0% vs 2019
2021: €919k▼ -2.9% vs 2020
2022: €851k▼ -7.4% vs 2021
2023: €785k▼ -7.8% vs 2022
2024: €697k▼ -11.2% vs 2023lowest in 7 years
2018 → 2024
Net result
€-48k
2023 · €29k
2018: €-24k
2019: €6k▲ +128% vs 2018
2020: €31k▲ +382% vs 2019
2021: €15k▼ -51.9% vs 2020
2022: €69k▲ +358% vs 2021highest in 7 years
2023: €29k▼ -57.7% vs 2022
2024: €-48k▼ -263% vs 2023lowest in 7 years
2018 → 2024
Working capital
€211k▼ 20.1%
2023 · €264k
2018: €175klowest in 7 years
2019: €194k▲ +11.0% vs 2018
2020: €262k▲ +35.3% vs 2019
2021: €304k▲ +16.0% vs 2020
2022: €315k▲ +3.4% vs 2021highest in 7 years
2023: €264k▼ -16.1% vs 2022
2024: €211k▼ -20.1% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€142k-€157k▲ 10.6%€226k▲ 43.8%€255k▲ 12.9%€208k▼ 18.6%
2020: €142klowest in 5 years
2021: €157k▲ +10.6% vs 2020
2022: €226k▲ +43.8% vs 2021
2023: €255k▲ +12.9% vs 2022highest in 5 years
2024: €208k▼ -18.6% vs 2023
Operating result€37k-€20k▼ 44.5%€75k▲ 267%€55k▼ 26.7%€-45k
2020: €37k
2021: €20k▼ -44.5% vs 2020
2022: €75k▲ +267% vs 2021highest in 5 years
2023: €55k▼ -26.7% vs 2022
2024: €-45k▼ -182% vs 2023lowest in 5 years
Net result€31k-€15k▼ 51.9%€69k▲ 358%€29k▼ 57.7%€-48k
2020: €31k
2021: €15k▼ -51.9% vs 2020
2022: €69k▲ +358% vs 2021highest in 5 years
2023: €29k▼ -57.7% vs 2022
2024: €-48k▼ -263% vs 2023lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €45k after €55k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €696k
Fixed assets
€356k ▼ 12.3%
Current assets
€340k ▼ 10.0%
Equity and liabilities €697k
Equity
€208k ▼ 18.6%
Debt
€489k ▼ 7.7%
Debt's share of the balance-sheet total rises from 67.5% to 70.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▼
2023 · €100k
Cash flow
€10k▼
2023 · €74k
Current ratio
2.64▼
2023 · 3.32
Quick ratio
0.53▼
2023 · 0.79
Debt to equity
2.35▲
2023 · 2.07
ROE
-22.9%▼
2023 · 11.4%
ROA
-6.8%▼
2023 · 3.7%
Interest coverage
1.86▼
2023 · 8.46
Debt ≤ 1 year
€129k▲
2023 · €114k
Debt > 1 year
€360k▼
2023 · €414k
Income taxes
€295▼
2023 · €14k
Staff costs
€62k▲
2023 · €58k
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 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€785k€697k▼
Formation expenses20€678€619▼
Fixed assets21/28€407k€356k▼
Intangible fixed assets21€7k€5k▼
Tangible fixed assets22/27€400k€351k▼
Land and buildings22€363k€316k▼
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€35k€32k▼
Current assets29/58€378k€340k▼
Stocks and contracts in progress3€288k€271k▼
Stocks30/36€288k€271k▼
Amounts receivable within one year40/41€61k€42k▼
Trade receivables40€49k€28k▼
Other amounts receivable41€12k€14k▲
Cash at bank and in hand54/58€27k€26k▼
Deferred charges and accrued income490/1€867€572▼
Equity and liabilities
Total equity and liabilities10/49€785k€697k▼
Equity10/15€255k€208k▼
Contributions10/11€250k€250k=
Profit (loss) carried forward14€5k€-42k▼
Amounts payable17/49€529k€489k▼
Amounts payable after more than one year17€414k€360k▼
Financial debts170/4€414k€360k▼
Amounts payable within one year42/48€114k€129k▲
Current portion of amounts payable after more than one year42€47k€49k▲
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45€14k€19k▲
Taxes450/3€7k€13k▲
Remuneration and social security454/9€7k€6k▼
Other amounts payable47/48€42k€54k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20232024
Remuneration, social security and pensions62€58k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€58k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€160k€77k▼
Operating profit (loss)9901€55k€-45k▼
Financial income75/76B€0€5k▲
Recurring financial income75€0€5k▲
Financial charges65/66B€12k€7k▼
Recurring financial charges65€12k€7k▼
Profit (loss) for the period before taxes9903€43k€-47k▼
Income taxes67/77€14k€295▼
Profit (loss) for the period9904€29k€-48k▼
Profit (loss) for the period to be appropriated9905€29k€-48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-42k▼
Profit (loss) brought forward from the previous period14P€-24k€5k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €42k | €56k | €58k | €62k | ▲ 5.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €67k | €58k | €60k | €45k | €58k | ▲ 28.8% |
| Other operating charges640/8 | - | €1k | €1k | €1k | €2k | ▲ 52.8% |
| Gross operating margin9900 | €147k | €121k | €191k | €160k | €77k | ▼ 51.8% |
| Operating profit (loss)9901 | €37k | €20k | €75k | €55k | €-45k | ▼ 182% |
| Financial income75/76B | - | €4k | €5k | €0 | €5k | ▲ 4,231,982% |
| Recurring financial income75 | €3k | €4k | €5k | €0 | €5k | ▲ 4,231,982% |
| Financial charges65/66B | - | €9k | €7k | €12k | €7k | ▼ 39.4% |
| Recurring financial charges65 | €8k | €9k | €7k | €12k | €7k | ▼ 39.4% |
| Profit (loss) for the period before taxes9903 | €32k | €16k | €73k | €43k | €-47k | ▼ 210% |
| Income taxes67/77 | €559 | €506 | €4k | €14k | €295 | ▼ 97.9% |
| Profit (loss) for the period9904 | €31k | €15k | €69k | €29k | €-48k | ▼ 263% |
| Profit (loss) for the period to be appropriated9905 | €31k | €15k | €69k | €29k | €-48k | ▼ 263% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €946k | €919k | €851k | €785k | €697k | ▼ 11.2% |
| Formation expenses20 | €826 | €782 | €723 | €678 | €619 | ▼ 8.7% |
| Fixed assets21/28 | €544k | €499k | €444k | €407k | €356k | ▼ 12.3% |
| Intangible fixed assets21 | €4k | €3k | €2k | €7k | €5k | ▼ 26.1% |
| Tangible fixed assets22/27 | €540k | €496k | €442k | €400k | €351k | ▼ 12.1% |
| Land and buildings22 | - | €452k | €401k | €363k | €316k | ▼ 13.2% |
| Plant, machinery and equipment23 | - | - | - | €2k | €4k | ▲ 123% |
| Furniture and vehicles24 | - | €44k | €41k | €35k | €32k | ▼ 7.4% |
| Current assets29/58 | €401k | €419k | €406k | €378k | €340k | ▼ 10.0% |
| Stocks and contracts in progress3 | €285k | €262k | €291k | €288k | €271k | ▼ 6.0% |
| Stocks30/36 | - | €262k | €291k | €288k | €271k | ▼ 6.0% |
| Amounts receivable within one year40/41 | €30k | €49k | €38k | €61k | €42k | ▼ 31.4% |
| Trade receivables40 | - | €49k | €35k | €49k | €28k | ▼ 43.1% |
| Other amounts receivable41 | - | - | €3k | €12k | €14k | ▲ 17.3% |
| Cash at bank and in hand54/58 | €84k | €108k | €77k | €27k | €26k | ▼ 4.0% |
| Deferred charges and accrued income490/1 | - | €480 | €285 | €867 | €572 | ▼ 34.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €946k | €919k | €851k | €785k | €697k | ▼ 11.2% |
| Equity10/15 | €142k | €157k | €226k | €255k | €208k | ▼ 18.6% |
| Contributions10/11 | - | €250k | €250k | €250k | €250k | = |
| Profit (loss) carried forward14 | €-108k | €-93k | €-24k | €5k | €-42k | ▼ 886% |
| Amounts payable17/49 | €803k | €761k | €625k | €529k | €489k | ▼ 7.7% |
| Amounts payable after more than one year17 | €662k | €641k | €531k | €414k | €360k | ▼ 12.9% |
| Financial debts170/4 | - | €641k | €531k | €414k | €360k | ▼ 12.9% |
| Amounts payable within one year42/48 | €139k | €115k | €92k | €114k | €129k | ▲ 13.3% |
| Current portion of amounts payable after more than one year42 | - | €21k | €49k | €47k | €49k | ▲ 3.5% |
| Trade debts44 | €11k | €4k | €11k | €10k | €6k | ▼ 34.7% |
| Suppliers440/4 | - | €4k | €11k | €10k | €6k | ▼ 34.7% |
| Taxes, remuneration and social security45 | - | €17k | €13k | €14k | €19k | ▲ 39.0% |
| Taxes450/3 | - | €12k | €6k | €7k | €13k | ▲ 77.1% |
| Remuneration and social security454/9 | - | €5k | €6k | €7k | €6k | ▼ 2.6% |
| Other amounts payable47/48 | - | €73k | €19k | €42k | €54k | ▲ 27.1% |
| Accrued charges and deferred income492/3 | - | €5k | €2k | €2k | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31k | €15k | €69k | €29k | €-48k | ▼ 263% |
| + Depreciation and write-downs630 | €67k | €58k | €60k | €45k | €58k | ▲ 28.8% |
| Operating cash flow (approximation) | €98k | €73k | €129k | €74k | €10k | ▼ 85.9% |
| Investment in fixed assets (approximation) | - | €-13k | €-5k | €-8k | €-8k | ▼ 1.5% |
| Change in cash | - | €24k | €-31k | €-50k | €-1k | ▲ 97.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-12
Financial
Weakest financial yearnet €-48k
Net result drops to €-48k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €69k ▲358%
Operating result €75k, net result €69k, both a record.
31-12
Financial
Equity above €200kEq €226k ▲43.8%
4 profitable years in a row build equity to €226k.
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 46 days late
2021
31-12
Financial
Equity above €150kEq €157k ▲10.6%
3 profitable years in a row build equity to €157k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Show earlier events
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has 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.
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, Soignies · 2 establishment units since 2016
Ground area
1,841 m²
Building footprint
219 m²
Volume, LiDAR
1,766 m³
2 parcels, Wallonia · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Intimi-Thé
since 20162.256.228.413
BCL
since 20172.262.277.055
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55006D0396/00C000 | Wallonia | 1,365 m² | 1 · 123 m² | 7.5 m · 2 fl. |
| 55006B0712/00X000 | Wallonia | 476 m² | 1 · 96 m² | 12.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
MARIM LINGERIE
BE 0878.130.904
Genk · Eq €208,279
LINGERIE BO
BE 0875.506.360
Brasschaat · Eq €208,305
dE KROES
BE 0460.313.302
Wijnegem · Eq €208,988
SVELTA
BE 0426.693.102
Geraardsbergen · Eq €211,543
O' sesoir
BE 0550.985.338
Heusden-Zolder · Eq €214,044
Of 519 companies in sector 47714 we hold annual accounts for 264. 220 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-02-2014
Fiscal year end31-12
Abbreviation FR
BCL
Activities, NACEBEL 2025
47714Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Contact
Phone
065/784681Soignies
Scores and ratios are computed by Checked and are not a credit decision.