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B.E.M.V

Active
Private limited companyfounded 20241 yr activeParvis Notre-Dame 4, 1400 Nivelles, BelgiumKBO/BCE: BE 1015.241.392
Summary

B.E.M.V has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,162 and a net result of €2,523. Its solvency ranks better than 13% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability60▲+55
Solvency30▼-70
Growth78
Track record82
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.14 against 58.86 in 2024; short-term debt: 67.9% and cash: 4.2% of total assets), and 95.4% of the assets are financed with debt.
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Signals

Six 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
4.6%
Return on assets
0.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 31896 sector peers (2025).
NBB · sector comparison
Position among 31896 sector peers
Solvency
better than 13%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filings
Deviation from the deadline
2025
31 d late
2024
30 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · 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.
Companies Code · seven months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 17 October 2024, B.E.M.V was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€20,162▲ 14.3%
2024 · €17,639
Total assets
€434,250▲ 2,311%
2024 · €18,011
Net result
€2,523
2024 · -€2,361
Working capital
-€254,589
2024 · €17,705
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
Line20242025
Operating result-€2,311-€8,949
Net result-€2,361-€2,523
Equity€17,639-€20,162▲ 14.3%
Total assets€18,011-€434,250▲ 2,311%
Debt€372-€414,088▲ 111,298%
Working capital€17,705--€254,589
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
  • 2025 Total assets +2,311% on 2024. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
-€5,000€0€5,000€10,000Operating result 2024: -€2,311-€2,311Net result 2024: -€2,361-€2,361Operating result 2025: €8,949€8,949Net result 2025: €2,523€2,52320242025-€5,000€0€5,000€10,000Operating result 2024: -€2,311-€2,310Net result 2024: -€2,361-€2,360Operating result 2025: €8,949€8,950Net result 2025: €2,523€2,52020242025
The operating result returns to profit in 2025: €8,949 after a loss of €2,311 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €434,250
Fixed assets €393,784
Current assets €40,466
Equity and liabilities €434,250
Equity €20,162 ▲ 14.3%
Debt €414,088 ▲ 111,298%
Debt's share of the balance-sheet total rises from 2.1% to 95.4%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€25,971
Cash flow
€19,545
Current ratio
0.14▼
2024 · 58.86
Debt to equity
20.54▲
2024 · 0.02
ROE
12.5%▲
2024 · -13.4%
ROA
0.6%▲
2024 · -13.1%
Interest coverage
4.88
Debt ≤ 1 year
€295,055▲
2024 · €306
Debt > 1 year
€118,195
Income taxes
€1,104
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 514 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
1.6% went bankrupt
1.2% stopped otherwise
97% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 514 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€18,011€434,250▲
Fixed assets21/28-€393,784
Tangible fixed assets22/27-€393,784
Land and buildings22-€393,116
Furniture and vehicles24-€669
Current assets29/58€18,011€40,466▲
Amounts receivable within one year40/41€3,213€11,509▲
Trade receivables40€3,207€11,509▲
Other amounts receivable41€7-
Cash at bank and in hand54/58€14,797€18,231▲
Deferred charges and accrued income490/1-€10,727
Equity and liabilities
Total equity and liabilities10/49€18,011€434,250▲
Equity10/15€17,639€20,162▲
Contributions10/11€20,000€20,000=
Profit (loss) carried forward14-€2,361€162▲
Amounts payable17/49€372€414,088▲
Amounts payable after more than one year17-€118,195
Financial debts170/4-€118,195
Amounts payable within one year42/48€306€295,055▲
Current portion of amounts payable after more than one year42-€8,886
Trade debts44€53€7,785▲
Suppliers440/4€53€7,785▲
Taxes, remuneration and social security45-€2,709
Taxes450/3-€2,709
Other amounts payable47/48€253€275,675▲
Accrued charges and deferred income492/3€66€838▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€17,022
Other operating charges640/8€387€3,725▲
Gross operating margin9900-€1,924€29,697▲
Operating profit (loss)9901-€2,311€8,949▲
Financial charges65/66B€50€5,323▲
Recurring financial charges65€50€5,323▲
Profit (loss) for the period before taxes9903-€2,361€3,627▲
Income taxes67/77-€1,104
Profit (loss) for the period9904-€2,361€2,523▲
Profit (loss) for the period to be appropriated9905-€2,361€2,523▲
Appropriation of the result
Profit (loss) to be appropriated9906-€2,361€162▲
Profit (loss) brought forward from the previous period14P--€2,361

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€17,022-
Other operating charges640/8€387€3,725▲ 862%
Gross operating margin9900-€1,924€29,697▲ 1,644%
Operating profit (loss)9901-€2,311€8,949▲ 487%
Financial charges65/66B€50€5,323▲ 10,545%
Recurring financial charges65€50€5,323▲ 10,545%
Profit (loss) for the period before taxes9903-€2,361€3,627▲ 254%
Income taxes67/77-€1,104-
Profit (loss) for the period9904-€2,361€2,523▲ 207%
Profit (loss) for the period to be appropriated9905-€2,361€2,523▲ 207%
Line20242025Change
Assets
Total assets20/58€18,011€434,250▲ 2,311%
Fixed assets21/28-€393,784-
Tangible fixed assets22/27-€393,784-
Land and buildings22-€393,116-
Furniture and vehicles24-€669-
Current assets29/58€18,011€40,466▲ 125%
Amounts receivable within one year40/41€3,213€11,509▲ 258%
Trade receivables40€3,207€11,509▲ 259%
Other amounts receivable41€7--
Cash at bank and in hand54/58€14,797€18,231▲ 23.2%
Deferred charges and accrued income490/1-€10,727-
Equity and liabilities
Total equity and liabilities10/49€18,011€434,250▲ 2,311%
Equity10/15€17,639€20,162▲ 14.3%
Contributions10/11€20,000€20,000=
Profit (loss) carried forward14-€2,361€162▲ 107%
Amounts payable17/49€372€414,088▲ 111,298%
Amounts payable after more than one year17-€118,195-
Financial debts170/4-€118,195-
Amounts payable within one year42/48€306€295,055▲ 96,317%
Current portion of amounts payable after more than one year42-€8,886-
Trade debts44€53€7,785▲ 14,697%
Suppliers440/4€53€7,785▲ 14,697%
Taxes, remuneration and social security45-€2,709-
Taxes450/3-€2,709-
Other amounts payable47/48€253€275,675▲ 108,686%
Accrued charges and deferred income492/3€66€838▲ 1,176%
Line20242025Change
Profit (loss) for the period9904-€2,361€2,523▲ 207%
+ Depreciation and write-downs630-€17,022-
Operating cash flow (approximation)-€2,361€19,545▲ 928%
Change in cash-€3,433-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial Back to profitnet €2,523
Net result €2,523 after one loss-making year.
01-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
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, Nivelles · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
136 m²
Building footprint
60 m²
Volume, LiDAR
584 m³
Parcel 25782C0152/00B006, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B.E.M.V
Parvis Notre-Dame 4, 1400 NivellesIT consultancy
since 20242.366.343.605
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25782C0152/00B006 Wallonia 136 m² 1 · 60 m² 11.1 m · 3 fl.
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.

Similar companies · same sector, comparable size

Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 30,604 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
Founded17-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1015241392
Registered 16-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.