Checked.be
Active
BE 0828.756.815Private limited company
B&M BATIMENTS
Jetsesteenweg 264 ·1081 Koekelberg, Belgium· 16 yrs active
Sector: Other specialised construction activities
(43990)
Conclusion
B&M BATIMENTS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €19k. Equity is growing by ~42.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 26784 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €38k |
| Net result | €19k |
| Better than sector | 52% |
| Active | 16 yrs |
Financial profile
83
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
69
Profitability
100
Solvency
69
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2010, 16 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
69
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€3k
estimate, not credit advice
Score history
25
2020
16
2021
94
2022
63
2023
78
2024
69
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.83 (< 1.0)
-10
Leverage
Debt/equity 1.03 (< 2.0)
+3
Profitability
ROE 52% (≥ 10%)
+10
Interest coverage
Interest coverage 207.4× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 04-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~42.2%/year over 6 fiscal years, indicative, 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 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 49.3% | 47.4% | |
| Net result | €19k | €10k | |
| Equity | €38k | €60k | |
| Gross operating margin | €31k | €39k | |
| Total assets | €76k | €141k |
€21k
+710.9%
20-25
€19k
+322.1%
20-25
€20k
+1058.6%
20-25
€76k
+36.6%
20-25
€38k
+107.4%
20-25
€-6k
-
20-25
€760
+1260.2%
20-25
€39k
+2.6%
20-25
€39k
+2.6%
20-25
€3k
-62.2%
20-25
0.83
-41.6%
20-25
0.83
-41.6%
20-25
49.3%
+51.8%
20-25
1.03
-50.5%
20-25
51.8%
+103.5%
20-25
25.5%
+208.9%
20-25
207.45
+2318.3%
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €21k | - | €3k | €28k | €10k |
| Net profit | €19k | €5k | €-5k | €20k | €2k |
| Cash flow | €20k | - | €2k | €27k | €9k |
| Staff costs | - | - | - | - | - |
| Income taxes | €760 | €56 | €543 | €100 | - |
| Dividends | - | - | - | - | - |
| Total assets | €76k | €56k | €35k | €42k | €26k |
| Equity | €38k | €18k | €13k | €18k | €-2k |
| Debt | €39k | €38k | €21k | €24k | €28k |
| of which ≤ 1y | €39k | €38k | €21k | €21k | €21k |
| of which > 1y | - | - | - | €3k | €8k |
| Working capital | €-6k | €16k | €13k | €14k | €-8k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 0.83 | 1.43 | 1.61 | 1.67 | 0.59 |
| Quick ratio | 0.83 | 1.43 | 1.61 | 1.67 | 0.59 |
| Working capital ratio | -8.4% | 29.0% | 37.2% | 33.5% | -32.0% |
| Solvency | 49.3% | 32.5% | 39.0% | 43.4% | -7.1% |
| Debt / equity | 1.03 | 2.08 | 1.57 | 1.30 | -15.03 |
| Long-term debt ratio | - | - | - | 0.16 | -4.05 |
| Interest coverage | 207.45 | - | 8.58 | 51.41 | 10.50 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 25.5% | 8.3% | -13.6% | 47.9% | 7.3% |
| ROE | 51.8% | 25.5% | -35.0% | 110.3% | -102.3% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €76k | €56k | €35k | €42k | €26k |
| Fixed assets | 21/28 | €44k | €2k | €595 | €7k | €14k |
| Tangible fixed assets | 22/27 | €43k | €1k | - | €6k | €14k |
| Financial fixed assets | 28 | €595 | €595 | €595 | €595 | €595 |
| Current assets | 29/58 | €32k | €54k | €34k | €35k | €12k |
| Amounts receivable within one year | 40/41 | €21k | €12k | €21k | €17k | €9k |
| Cash & bank | 54/58 | €4k | €42k | €12k | €17k | €3k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €76k | €56k | €35k | €42k | €26k |
| Equity | 10/15 | €38k | €18k | €13k | €18k | €-2k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €371 | €371 | €371 | €371 | €371 |
| Accumulated profits (losses) | 14 | €19k | €-892 | €-5k | €-782 | €-21k |
| Amounts payable | 17/49 | €39k | €38k | €21k | €24k | €28k |
| Amounts payable after one year | 17 | - | - | - | €3k | €8k |
| Amounts payable within one year | 42/48 | €39k | €38k | €21k | €21k | €21k |
| Trade debts payable within one year | 44 | €18k | €14k | €9k | €8k | €7k |
| Income statement | ||||||
| Gross operating margin | 9900 | €31k | €2k | €4k | €30k | €14k |
| Operating result | 9901 | €20k | €-705 | €-4k | €21k | €3k |
| Financial income | 75 | €2 | €0 | €0 | €1 | €128 |
| Financial charges | 65 | €100 | €135 | €298 | €542 | €940 |
| Result before taxes | 9903 | €20k | €5k | €-4k | €20k | €2k |
| Income taxes | 67/77 | €760 | €56 | €543 | €100 | - |
| Net result for the period | 9904 | €19k | €5k | €-5k | €20k | €2k |
| Result to be appropriated | 9905 | €19k | €5k | €-5k | €20k | €2k |
Legal Structure
| NACE primary | Other specialised construction activities(43990) |
| Legal form | Private limited company(610) |
| Incorporation | 26-08-2010 |
| Status | Active |
| Postal code | 1081 |
Establishment units
Jetsesteenweg 264, 1081 Koekelberg
since 20102.191.438.846
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0043/00P002 | Brussels | 426 m² | 1 · 116 m² | 18.2 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Highest result since 2020net €20k ▲946%
Operating result €21k, net result €20k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.67
Current ratio from 0.59 to 1.67.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 52 days late
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 87 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Other specialised construction activities43990Specialised construction activities43999
Names & trade names
| Legal nameFR | B&M BATIMENTS |
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