B.E.C.F.M.
ActiveSummary
B.E.C.F.M. has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €8k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 47% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+3
Solvency79▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.27 in 2024; short-term debt: 43% and cash: 30.7% of total assets), and 46.1% of the assets are financed with debt.
Credit check 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 12-09-2025, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
22 d early
2023
4 d early
2022
13 d early
2021
5 d early
2020
20 d late
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▼ 9.6%
2024 · €47k
Total assets
€79k▼ 20.2%
2024 · €99k
Net result
€8k=
2024 · €8k
Working capital
€18k▲ 27.9%
2024 · €14k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21k▲ 394%€20k▼ 6.0%€12k▼ 39.8%€13k▲ 11.1%€15k▲ 10.6%
Net result€14k▲ 2,913%€11k▼ 22.5%€5k▼ 50.9%€8k▲ 37.1%€8k=
Equity€38k▲ 61.2%€47k▲ 24.4%€47k▼ 1.0%€47k▲ 0.6%€43k▼ 9.6%
Total assets€104k▼ 0.6%€99k▼ 4.8%€87k▼ 12.4%€99k▲ 14.3%€79k▼ 20.2%
Debt€66k▼ 18.6%€52k▼ 21.7%€40k▼ 22.9%€52k▲ 30.3%€36k▼ 29.7%
Working capital€21k▲ 2,353%€22k▲ 8.1%€31k▲ 36.1%€14k▼ 55.0%€18k▲ 27.9%
Staff (FTE)1=1=11=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€27k ▼ 17.8%
Current assets
€52k ▼ 21.4%
Equity and liabilities €79k
Equity
€43k ▼ 9.6%
Debt
€36k ▼ 29.7%
Debt's share of the balance-sheet total falls from 52.4% to 46.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €24k
Cash flow
€15k▼
2024 · €18k
Current ratio
1.52▲
2024 · 1.27
Debt to equity
0.86▼
2024 · 1.10
ROE
17.7%▲
2024 · 16.0%
ROA
9.5%▲
2024 · 7.6%
Interest coverage
29.76▼
2024 · 44.22
Debt ≤ 1 year
€34k▼
2024 · €52k
Income taxes
€7k▲
2024 · €5k
Staff costs
€61k▲
2024 · €50k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €8k | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | €54k | €56k | €50k | €61k | ▲ 24.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22k | €19k | €19k | €11k | €7k | ▼ 32.2% |
| Other operating charges640/8 | - | €2k | €3k | €7k | €3k | ▼ 51.2% |
| Gross operating margin9900 | €106k | €95k | €90k | €80k | €87k | ▲ 8.0% |
| Operating profit (loss)9901 | €21k | €20k | €12k | €13k | €15k | ▲ 10.6% |
| Financial income75/76B | - | €15 | €215 | €0 | €378 | - |
| Recurring financial income75 | €0 | €15 | €215 | €0 | €378 | - |
| Financial charges65/66B | - | €1k | €541 | €544 | €742 | ▲ 36.4% |
| Recurring financial charges65 | €1k | €1k | €541 | €544 | €742 | ▲ 36.4% |
| Profit (loss) for the period before taxes9903 | €20k | €19k | €12k | €13k | €15k | ▲ 12.4% |
| Income taxes67/77 | €6k | €8k | €6k | €5k | €7k | ▲ 29.7% |
| Profit (loss) for the period9904 | €14k | €11k | €5k | €8k | €8k | = |
| Profit (loss) for the period to be appropriated9905 | €14k | €11k | €5k | €8k | €8k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €104k | €99k | €87k | €99k | €79k | ▼ 20.2% |
| Fixed assets21/28 | €42k | €36k | €16k | €33k | €27k | ▼ 17.8% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €42k | €35k | €16k | €33k | €27k | ▼ 18.0% |
| Land and buildings22 | - | €24k | €11k | €6k | €6k | ▼ 2.7% |
| Furniture and vehicles24 | - | €11k | €5k | €27k | €21k | ▼ 21.3% |
| Financial fixed assets28 | €354 | €354 | €354 | €354 | €354 | = |
| Current assets29/58 | €62k | €63k | €70k | €66k | €52k | ▼ 21.4% |
| Amounts receivable within one year40/41 | €47k | €29k | €39k | €24k | €27k | ▲ 15.3% |
| Trade receivables40 | - | €28k | €39k | €23k | €27k | ▲ 18.3% |
| Other amounts receivable41 | - | €1k | €0 | €591 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €13k | €33k | €29k | €41k | €24k | ▼ 40.7% |
| Deferred charges and accrued income490/1 | - | €1k | €2k | €1k | €120 | ▼ 88.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €104k | €99k | €87k | €99k | €79k | ▼ 20.2% |
| Equity10/15 | €38k | €47k | €47k | €47k | €43k | ▼ 9.6% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €19k | €28k | €28k | €28k | €24k | ▼ 15.0% |
| Non-distributable reserves130/1 | - | €250 | €250 | €250 | €250 | = |
| Reserves not available under the articles1311 | - | €250 | €250 | €250 | €250 | = |
| Distributable reserves133 | - | €28k | €28k | €28k | €24k | ▼ 15.2% |
| Profit (loss) carried forward14 | €479 | €479 | €0 | €301 | €0 | ▼ 100% |
| Amounts payable17/49 | €66k | €52k | €40k | €52k | €36k | ▼ 29.7% |
| Amounts payable after more than one year17 | €25k | €11k | €0 | - | - | - |
| Financial debts170/4 | - | €11k | €0 | - | - | - |
| Amounts payable within one year42/48 | €41k | €41k | €40k | €52k | €34k | ▼ 34.5% |
| Current portion of amounts payable after more than one year42 | - | €14k | €11k | €0 | - | - |
| Trade debts44 | €10k | €8k | €10k | €30k | €9k | ▼ 69.9% |
| Suppliers440/4 | - | €8k | €10k | €30k | €9k | ▼ 69.9% |
| Taxes, remuneration and social security45 | - | €9k | €12k | €12k | €14k | ▲ 17.1% |
| Taxes450/3 | - | €3k | €5k | €3k | €6k | ▲ 141% |
| Remuneration and social security454/9 | - | €7k | €7k | €9k | €8k | ▼ 16.7% |
| Other amounts payable47/48 | - | €9k | €7k | €10k | €11k | ▲ 12.0% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €11k | €5k | €8k | €8k | = |
| + Depreciation and write-downs630 | €22k | €19k | €19k | €11k | €7k | ▼ 32.2% |
| Operating cash flow (approximation) | €36k | €30k | €25k | €18k | €15k | ▼ 18.8% |
| Investment in fixed assets (approximation) | - | €-12k | €0 | €-28k | €-1k | ▲ 95.6% |
| Change in cash | - | €20k | €-4k | €12k | €-17k | ▼ 244% |
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
Next filing, fiscal year 2026, expected by
2025
12-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €14k ▲2,913%
Operating result €21k, net result €14k, both a record.
2020
20-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
31-03
Financial
Weakest financial yearnet €479 ▼90.3%
Net result drops to €479, the lowest in the series; recovery starts the following year.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
02-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Namur
Ground area
1,406 m²
Building footprint
382 m²
Parcel 92302E0371/00K002, Wallonia. Linked by address, not a title deed.
12
companies at this address
See who is registered here
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302E0371/00K002 | Wallonia | 1,406 m² | 1 · 382 m² | - |
Linked by address, not proof of ownership
Good to know
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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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,722 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
Founded12-09-2008
Fiscal year end31-03
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.