B&M-Group
ActiveSummary
B&M-Group has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41k and a net result of €17k. Its solvency ranks better than 27% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▼-20
Solvency47▼-27
Growth52
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.91 in 2023; short-term debt: 27% and cash: 2.2% of total assets), and 77.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
22.1%
Return on assets
9.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-09-2025, 32 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 filingsDeviation from the deadline
2025
not confirmed
2024
32 d late
2023
5 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€41k▲ 69.6%
2023 · €24k
2023: €24k
2023 → 2024
Total assets
€186k▲ 273%
2023 · €50k
2023: €50k
2023 → 2024
Net result
€17k▼ 22.3%
2023 · €22k
2023: €22k
2023 → 2024
Working capital
€23k▼ 0.7%
2023 · €23k
2023: €23k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€24k-€41k▲ 69.6%
Operating result€29k-€25k▼ 13.7%
Net result€22k-€17k▼ 22.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €186k
Fixed assets
€113k ▲ 12,660%
Current assets
€73k ▲ 49.9%
Equity and liabilities €186k
Equity
€41k ▲ 69.6%
Debt
€145k ▲ 466%
Debt's share of the balance-sheet total rises from 51.4% to 77.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42k▲
2023 · €31k
Cash flow
€34k▲
2023 · €24k
Current ratio
1.46▼
2023 · 1.91
Debt to equity
3.53▲
2023 · 1.06
ROE
41.1%▼
2023 · 89.7%
ROA
9.1%▼
2023 · 43.6%
Interest coverage
16.44▼
2023 · 40.15
Debt ≤ 1 year
€50k▲
2023 · €26k
Debt > 1 year
€95k
Income taxes
€6k▼
2023 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€50k€186k▲
Fixed assets21/28€882€113k▲
Tangible fixed assets22/27€632€112k▲
Plant, machinery and equipment23€217€130▼
Furniture and vehicles24€415€112k▲
Financial fixed assets28€250€250=
Current assets29/58€49k€73k▲
Amounts receivable within one year40/41€39k€69k▲
Trade receivables40€39k€58k▲
Other amounts receivable41€73€12k▲
Cash at bank and in hand54/58€9k€4k▼
Deferred charges and accrued income490/1€920€29▼
Equity and liabilities
Total equity and liabilities10/49€50k€186k▲
Equity10/15€24k€41k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€22k€39k▲
Amounts payable17/49€26k€145k▲
Amounts payable after more than one year17-€95k
Financial debts170/4-€95k
Amounts payable within one year42/48€26k€50k▲
Current portion of amounts payable after more than one year42-€14k
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€18k€26k▲
Taxes450/3€18k€26k▲
Other amounts payable47/48€830€424▼
Income statement
Code20232024
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€17k▲
Other operating charges640/8€172€1k▲
Gross operating margin9900€32k€44k▲
Operating profit (loss)9901€29k€25k▼
Financial income75/76B-€449
Recurring financial income75-€449
Financial charges65/66B€780€3k▲
Recurring financial charges65€780€3k▲
Profit (loss) for the period before taxes9903€29k€23k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€22k€17k▼
Profit (loss) for the period to be appropriated9905€22k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€39k▲
Profit (loss) brought forward from the previous period14P-€22k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Brecht · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Pierrelaan 182960 BrechtGround area
1,207 m²
Building footprint
240 m²
Volume, LiDAR
1,070 m³
Parcel 11009M0042/00C002, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B&M-Group
since 20222.337.838.570
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11009M0042/00C002 | Flanders | 1,207 m² | 1 · 240 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
Eygengoed
BE 1007.095.075
Gent · Eq €41,026
NSHIMIYIMANA
BE 1021.696.743
Koekelberg · Eq €41,066
REINSIGHT
BE 1009.572.436
Maasmechelen · Eq €41,088
A-SMART
BE 0771.413.878
Beveren-Kruibeke-Zwijndrecht · Eq €41,097
GDB ENERGY CONSULTING
BE 1005.401.238
Brugge · Eq €41,102
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,737 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
10130Manufacture of food products
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.