Active BE 0628.829.422Private limited company

B&M

Rubensstraat 37 ·2900 Schoten, Belgium· 11 yrs active

Sector: Food & beverage service (56111)

Conclusion Checked

The computed 12-month bankruptcy probability of B&M is 1.7% (moderate). The 2024 annual accounts show equity of €58k and a net result of €54k. Equity is shrinking by ~26.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 55% of 543 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€58k
Net result	€54k
Staff (FTE)	10.4
Better than sector	55%

Snowflake analysis 5 axes · computed by Checked

72 / 100

Strong profile, led by profitability.

Health 68

Profitability 100

Solvency 35

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.7% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

Established

Founded in 2015, 11 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2024 · computed

68 / 100 Healthy

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview9 NBB filings

Annual accounts filed on 01-04-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining At this pace, equity would indicatively turn negative around fiscal year 2026, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	23.1%	19.1%	better than 55% of 543 sector peers
Net result	€54k	€18k	better than 70% of 542 sector peers
Equity	€58k	€63k	better than 48% of 543 sector peers
Gross operating margin	€596k	€291k	better than 73% of 540 sector peers
Staff costs	€491k	€239k	higher than 75% of 471 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€101k

-12.9% 18-24

Net profit

€54k

-21.6% 18-24

Cash flow

€92k

-16.1% 18-24

Total assets

€251k

+12.8% 18-24

Equity

€58k

+36.7% 18-24

Working capital

€16k

- 18-24

Employees (FTE)

10

+5.1% 18-24

Staff costs

€491k

+8.7% 18-24

Income taxes

€3k

+707.7% 18-24

Dividends

€39k

-46.1% 18-24

Debt

€193k

+7.2% 18-24

Debt ≤ 1y

€181k

+22.2% 18-24

Debt > 1y

€12k

-61.6% 18-24

Current ratio

1.09

+9.1% 18-24

Quick ratio

1.03

+10.9% 18-24

Solvency

23.1%

+21.2% 18-24

Debt / equity

3.33

-21.6% 18-24

ROE

93.6%

-42.6% 18-24

ROA

21.6%

-30.5% 18-24

Interest coverage

15.18

-18.2% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	-
EBITDA	€101k
Net profit	€54k
Cash flow	€92k
Staff costs	€491k
Income taxes	€3k
Dividends	€39k
Total assets	€251k
Equity	€58k
Debt	€193k
of which ≤ 1y	€181k
of which > 1y	€12k
Working capital	€16k
Employees (FTE)	10.4

Ratios (computed)

	2024
Current ratio	1.09
Quick ratio	1.03
Working capital ratio	6.4%
Solvency	23.1%
Debt / equity	3.33
Long-term debt ratio	0.21
Interest coverage	15.18
Gross margin	-
Net margin	-
ROA	21.6%
ROE	93.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €54k · 21.6% Current assets €197k · 78.4%

Equity & liabilities

Equity €58k · 23.1% Debt €193k · 76.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€251k
Fixed assets	21/28	€54k
Tangible fixed assets	22/27	€49k
Financial fixed assets	28	€6k
Current assets	29/58	€197k
Stocks & contracts in progress	3	€11k
Amounts receivable within one year	40/41	€8k
Cash & bank	54/58	€178k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€251k
Equity	10/15	€58k
Contributions / capital	10/11	€6k
Reserves	13	€52k
Amounts payable	17/49	€193k
Amounts payable after one year	17	€12k
Amounts payable within one year	42/48	€181k
Trade debts payable within one year	44	€14k
Income statement
Gross operating margin	9900	€596k
Operating result	9901	€63k
Financial income	75	€120
Financial charges	65	€7k
Result before taxes	9903	€57k
Income taxes	67/77	€3k
Net result for the period	9904	€54k
Result to be appropriated	9905	€54k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Food & beverage service(56111)
Legal form	Private limited company(610)
Incorporation	23-04-2015
Status	Active
Postal code	2900

Establishment units 1 location

B&M

Rubensstraat 37, 2900 SchotenCafé-restaurants (tavernen)

since 20152.243.533.586

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11442C0434/00L006	Flanders	401 m²	1 · 236 m²	10.8 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

01-04-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2024

30-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

2023

21-12-2023

State Gazette act Director changes

Eric Laenens

25-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · verkort

2022

15-04-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

30-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

01-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

31-07-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

31-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

20-07-2017

NBB filing Annual accounts filed

fiscal year 2016 · verkort

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

21-12-2023 Discharge granted to the board Director changes·Eric Laenens

Notary: Eric Laenens · Zoersel

Original publication ↗

Technical details

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Company registry (CBE) Crossroads Bank

Activities

Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111Catering56210Catering van evenementen56210Overige recreatie- en ontspanningsactiviteiten, n.e.g.93299Overige recreatie- en ontspanningsactiviteiten, neg93299

Primary activity highlighted.

Names & trade names

Legal nameNL

B&M

Registered office

Rubensstraat 37

2900 Schoten, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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