B & M
ActiveB & M has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €3k. Equity is growing by ~116.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 1433 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
85
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 16.56 against 3.28 in 2024), and 6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 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
Sector 47
higher
← 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 30-06-2025 was due by 31-01-2026 and was filed on 24-01-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
on the day
2023
20 d late
2022
13 d late
2020
15 d late
2019
7 d late
2018
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close04-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 287%
2024 · €1k
2023: €-3k
2024: €1k
2023 → 2025
Total assets
€5k▲ 186%
2024 · €2k
2023: €845
2024: €2k
2023 → 2025
Net result
€3k▼ 26.9%
2024 · €5k
2023: €5k
2024: €5k
2023 → 2025
Working capital
€5k▲ 287%
2024 · €1k
2023: €-3k
2024: €1k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-3k-€1k€5k▲ 287%
Operating result€5k-€5k▼ 11.7%€4k▼ 24.7%
Net result€5k-€5k▼ 12.9%€3k▼ 26.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 25% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €5k
Equity
€5k▲ 287%
Debt
€292▼ 43.3%
The debt ratio falls from 30.5% to 6.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
94.0%▲
2024 · 69.5%
Current ratio
16.56▲
2024 · 3.28
Quick ratio
16.56▲
2024 · 3.28
Debt / equity
0.06▼
2024 · 0.44
ROE
74.1%▼
2024 · 392.0%
ROA
69.7%▼
2024 · 272.5%
Debt
€292▼
2024 · €515
Debt ≤ 1 year
€292▼
2024 · €515
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Total assets
20/58€5k
Current assets
29/58€5k
Amounts receivable within one year
40/41€151
Cash & bank
54/58€5k
Total equity & liabilities
10/49€5k
Equity
10/15€5k
Contributions / capital
10/11€12k
Accumulated profits (losses)
14€-7k
Amounts payable
17/49€292
Amounts payable within one year
42/48€292
Income statement
Code2025
Gross operating margin
9900€4k
Operating result
9901€4k
Financial charges
65€183
Result before taxes
9903€3k
Net result for the period
9904€3k
Result to be appropriated
9905€3k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €3k ▼26.9%
Net result drops to €3k, the lowest in the series.
30-06
Financial
Liquidity times 5current ratio 16.56
Current ratio from 3.28 to 16.56; short-term debt falls from €515 to €292.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity times 17current ratio 3.28
Current ratio from 0.20 to 3.28; short-term debt falls from €4k to €515.
20-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
13-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 13 days late
2021
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 15 days late
2020
07-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2018
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2014
07-01
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema
2012
17-12
NBB filing
Annual accounts filed
fiscal year 2012 · abbreviated schema
14-02
NBB filing
Annual accounts filed
fiscal year 2011 · abbreviated schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
W-TRADE
BE 0479.621.052
Hasselt · Eq €5k
TANTUM
BE 0674.684.191
Halle · Eq €5k
MIANI
BE 0675.733.969
Liège · Eq €5k
BT Trade
BE 0798.458.765
Sint-Pieters-Woluwe · Eq €4k
Ecork Benelux
BE 0692.951.172
Brugge · Eq €4k
Of 4,258 companies in sector 47789 we hold annual accounts for 949. 268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-10-2002
Fiscal year end30-06
Activities, NACEBEL
47789Other retail sale of new goods
47890Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47820Market retail: textiles, clothing, footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-08-2026. Scores and ratios are computed by Checked and are not a credit decision.