B & M SERVICES
ActiveSummary
B & M SERVICES has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30,671 and a net result of -€5,689. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 17601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability50▼-50
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 29.83 against 3.29 in 2024; short-term debt: 2.4% and cash: 14.6% of total assets), and 2.4% of the assets are financed with debt.
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Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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 2025Solvency, return and age of the figures
Solvency
97.6%
Return on assets
-18.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
38 d early
2023
36 d early
2022
41 d early
2021
41 d early
2020
11 d early
2019
6 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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. Usually files around 23 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€30,671▼ 15.6%
2024 · €36,360
Total assets
€31,442▼ 30.9%
2024 · €45,485
Net result
-€5,689
2024 · €18,904
Working capital
€22,203▲ 6.1%
2024 · €20,923
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,351▼ 83.8%-€7,203€18,281€28,384▲ 55.3%-€4,360
Net result-€1,770below the sector's middle half-€8,631below the sector's middle half▼ 387%€11,757within the sector's middle half€18,904within the sector's middle half▲ 60.8%-€5,689below the sector's middle half
Equity€32,003within the sector's middle half▼ 5.2%€23,373below the sector's middle half▼ 27.0%€35,130within the sector's middle half▲ 50.3%€36,360within the sector's middle half▲ 3.5%€30,671within the sector's middle half▼ 15.6%
Total assets€78,527within the sector's middle half▲ 18.5%€53,038below the sector's middle half▼ 32.5%€54,040below the sector's middle half▲ 1.9%€45,485below the sector's middle half▼ 15.8%€31,442below the sector's middle half▼ 30.9%
Debt€46,524▲ 43.1%€29,665▼ 36.2%€18,911▼ 36.3%€9,125▼ 51.7%€770▼ 91.6%
Working capital€19,309within the sector's middle half▼ 32.4%€9,490below the sector's middle half▼ 50.8%€17,534within the sector's middle half▲ 84.7%€20,923within the sector's middle half▲ 19.3%€22,203within the sector's middle half▲ 6.1%
Solvency40.8%within the sector's middle half▼ 10.2pp44.1%within the sector's middle half▲ 3.3pp65.0%within the sector's middle half▲ 20.9pp79.9%within the sector's middle half▲ 14.9pp97.6%above the sector's middle half▲ 17.6pp
Current ratio1.93within the sector's middle half▲ 0.051.70within the sector's middle half▼ 0.232.37within the sector's middle half▲ 0.663.29within the sector's middle half▲ 0.9329.83above the sector's middle half▲ 26.53
Return on assets (ROA)-2.3%below the sector's middle half▼ 9.2pp-16.3%below the sector's middle half▼ 14.0pp21.8%within the sector's middle half▲ 38.0pp41.6%above the sector's middle half▲ 19.8pp-18.1%below the sector's middle half▼ 59.7pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4,360 after €28,384 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31,442
Fixed assets
€8,469 ▼ 45.1%
Current assets
€22,973 ▼ 23.5%
Equity and liabilities €31,442
Equity
€30,671 ▼ 15.6%
Debt
€770 ▼ 91.6%
Debt's share of the balance-sheet total falls from 20.1% to 2.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4,310▼
2024 · €37,402
Cash flow
€2,980▼
2024 · €27,922
Debt to equity
0.03▼
2024 · 0.25
ROE
-18.5%▼
2024 · 52.0%
Interest coverage
7.22▼
2024 · 53.91
Debt ≤ 1 year
€770▼
2024 · €9,125
Income taxes
€571▼
2024 · €8,786
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,805 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
2.0%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 4,805 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4,566 | €454 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,731 | €9,249 | €8,870 | €9,018 | €8,669 | ▼ 3.9% |
| Other operating charges640/8 | €2,158 | €1,131 | €918 | €950 | €978 | ▲ 2.9% |
| Gross operating margin9900 | €7,240 | €3,177 | €28,068 | €38,352 | €5,287 | ▼ 86.2% |
| Operating profit (loss)9901 | €1,351 | -€7,203 | €18,281 | €28,384 | -€4,360 | ▼ 115% |
| Financial income75/76B | €0 | - | - | €0 | - | - |
| Recurring financial income75 | €0 | - | - | €0 | - | - |
| Financial charges65/66B | €963 | €1,110 | €990 | €694 | €759 | ▲ 9.3% |
| Recurring financial charges65 | €852 | €923 | €817 | €694 | €597 | ▼ 14.0% |
| Non-recurring financial charges66B | €111 | €186 | €173 | - | €162 | - |
| Profit (loss) for the period before taxes9903 | €388 | -€8,313 | €17,291 | €27,690 | -€5,118 | ▼ 118% |
| Income taxes67/77 | €2,159 | €318 | €5,533 | €8,786 | €571 | ▼ 93.5% |
| Profit (loss) for the period9904 | -€1,770 | -€8,631 | €11,757 | €18,904 | -€5,689 | ▼ 130% |
| Profit (loss) for the period to be appropriated9905 | -€1,770 | -€8,631 | €11,757 | €18,904 | -€5,689 | ▼ 130% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €78,527 | €53,038 | €54,040 | €45,485 | €31,442 | ▼ 30.9% |
| Fixed assets21/28 | €38,432 | €30,037 | €23,676 | €15,438 | €8,469 | ▼ 45.1% |
| Tangible fixed assets22/27 | €38,432 | €30,037 | €23,676 | €15,438 | €8,469 | ▼ 45.1% |
| Plant, machinery and equipment23 | €3,333 | €1,693 | €2,921 | €2,271 | €2,815 | ▲ 24.0% |
| Furniture and vehicles24 | €35,099 | €28,344 | €20,755 | €13,167 | €5,653 | ▼ 57.1% |
| Current assets29/58 | €40,095 | €23,001 | €30,364 | €30,047 | €22,973 | ▼ 23.5% |
| Amounts receivable within one year40/41 | €12,254 | €19,466 | €17,011 | €15,606 | €18,020 | ▲ 15.5% |
| Trade receivables40 | €12,254 | €14,609 | €14,121 | €12,671 | €16,901 | ▲ 33.4% |
| Other amounts receivable41 | - | €4,857 | €2,890 | €2,935 | €1,119 | ▼ 61.9% |
| Cash at bank and in hand54/58 | €27,265 | €3,221 | €13,023 | €14,100 | €4,606 | ▼ 67.3% |
| Deferred charges and accrued income490/1 | €576 | €313 | €330 | €341 | €348 | ▲ 2.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €78,527 | €53,038 | €54,040 | €45,485 | €31,442 | ▼ 30.9% |
| Equity10/15 | €32,003 | €23,373 | €35,130 | €36,360 | €30,671 | ▼ 15.6% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | - | - | - |
| Reserves13 | €25,803 | €20,504 | €28,930 | €36,360 | €36,360 | = |
| Non-distributable reserves130/1 | €1,855 | €1,855 | - | - | - | - |
| Other1319 | €1,855 | €1,855 | - | - | - | - |
| Distributable reserves133 | €23,948 | €18,649 | €28,930 | €36,360 | €36,360 | = |
| Profit (loss) carried forward14 | - | -€3,332 | - | - | -€5,689 | - |
| Amounts payable17/49 | €46,524 | €29,665 | €18,911 | €9,125 | €770 | ▼ 91.6% |
| Amounts payable after more than one year17 | €25,738 | €16,155 | €6,080 | - | - | - |
| Financial debts170/4 | €25,738 | €16,155 | €6,080 | - | - | - |
| Amounts payable within one year42/48 | €20,786 | €13,510 | €12,831 | €9,125 | €770 | ▼ 91.6% |
| Current portion of amounts payable after more than one year42 | €8,796 | €9,519 | €10,630 | €7,640 | - | - |
| Trade debts44 | €11,105 | €2,745 | €397 | €1,081 | €173 | ▼ 84.0% |
| Suppliers440/4 | €11,105 | €2,745 | €397 | €1,081 | €173 | ▼ 84.0% |
| Taxes, remuneration and social security45 | €588 | €843 | €1,400 | - | €571 | - |
| Taxes450/3 | €588 | €843 | €1,400 | - | €571 | - |
| Other amounts payable47/48 | €297 | €403 | €403 | €403 | €26 | ▼ 93.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,770 | -€8,631 | €11,757 | €18,904 | -€5,689 | ▼ 130% |
| + Depreciation and write-downs630 | €3,731 | €9,249 | €8,870 | €9,018 | €8,669 | ▼ 3.9% |
| Operating cash flow (approximation) | €1,961 | €619 | €20,627 | €27,922 | €2,980 | ▼ 89.3% |
| Investment in fixed assets (approximation) | - | -€854 | -€2,509 | -€779 | -€1,700 | ▼ 118% |
| Change in cash | - | -€24,044 | €9,802 | €1,077 | -€9,495 | ▼ 981% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Liquidity times 9current ratio 29.83
Current ratio from 3.29 to 29.83; short-term debt falls from €9,125 to €770.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €18,904 ▲60.8%
Operating result €28,384, net result €18,904, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11,757
Net result €11,757 after 2 loss-making years.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€8,631
Net result drops to -€8,631, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Edegem · 1 establishment unit since 2009
Ground area
191 m²
Building footprint
85 m²
Volume, LiDAR
583 m³
Parcel 11472C0166/00L000, Flanders · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
B & M Services
since 20092.175.035.552
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472C0166/00L000 | Flanders | 191 m² | 1 · 85 m² | 9.1 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.
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Of 16,913 companies in this sector we hold annual accounts for 8,787. 6,371 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded11-12-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0808342768
Also
9925:BE0808342768
Registered
17-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.