B&M Solution
ActiveThe computed 12-month bankruptcy probability of B&M Solution is 5.3% (elevated). The 2024 annual accounts show equity of €18k and a net result of €22k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 27% of 725 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
65
/ 100
Healthy▲ +9 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency28▲+8
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
5.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 0.97 in 2023), and 89.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 53
Relative position
BE, all sectors
reference
Sector 53
higher
← fewer bankruptcies
more bankruptcies →
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
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
10.6%
Return on assets
13.4%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-06-2025, 46 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
46 d early
2023
29 d early
2022
63 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€348k
EBIT margin
14.0%
Net result
€22k▼ 51.9%
2023 · €47k
2022: €38k
2023: €47k
2022 → 2024
Working capital
€40k
2023 · €-3k
2022: €2k
2023: €-3k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€348k-
Equity€10k-€18k▲ 77.2%€18k=
Operating result€49k-€59k▲ 21.7%€30k▼ 48.6%
Net result€38k-€47k▲ 22.6%€22k▼ 51.9%
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 49% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €168k
Fixed assets
€38k▲ 43.2%
Current assets
€129k▲ 26.5%
Equity and liabilities €168k
Equity
€18k=
Debt
€150k▲ 34.7%
The debt ratio rises from 86.3% to 89.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€43k▼
2023 · €67k
Cash flow
€35k▼
2023 · €54k
Solvency
10.6%▼
2023 · 13.7%
Current ratio
1.45▲
2023 · 0.97
Quick ratio
1.45▲
2023 · 0.97
Debt / equity
8.45▲
2023 · 6.28
ROE
126.9%▼
2023 · 263.7%
ROA
13.4%▼
2023 · 36.2%
Interest coverage
50.75▼
2023 · 79.52
Debt
€150k▲
2023 · €111k
Debt ≤ 1 year
€89k▼
2023 · €105k
Income taxes
€7k▼
2023 · €12k
Staff costs
€111k▼
2023 · €122k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€129k€168k▲
Fixed assets21/28€27k€38k▲
Tangible fixed assets22/27€25k€37k▲
Furniture and vehicles24€25k€37k▲
Financial fixed assets28€1k€1k=
Current assets29/58€102k€129k▲
Amounts receivable within one year40/41€64k€107k▲
Trade receivables40€60k€91k▲
Other amounts receivable41€5k€16k▲
Cash at bank and in hand54/58€30k€14k▼
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€129k€168k▲
Equity10/15€18k€18k=
Contributions10/11€10k€10k=
Outside capital11€10k€10k=
Other1109/19€10k€10k=
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€111k€150k▲
Amounts payable within one year42/48€105k€89k▼
Trade debts44€11k€5k▼
Suppliers440/4€11k€5k▼
Taxes, remuneration and social security45€64k€55k▼
Taxes450/3€49k€47k▼
Remuneration and social security454/9€16k€8k▼
Other amounts payable47/48€30k€29k▼
Accrued charges and deferred income492/3€6k€61k▲
Income statement
Code20232024
Non-recurring operating income76A€39-
Remuneration, social security and pensions62€122k€111k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€12k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€191k€159k▼
Operating profit (loss)9901€59k€30k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€843€847▲
Recurring financial charges65€843€847▲
Profit (loss) for the period before taxes9903€59k€30k▼
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€47k€22k▼
Profit (loss) for the period to be appropriated9905€47k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€30k▼
Profit (loss) brought forward from the previous period14P-€8k
Profit to be distributed694/7€39k€22k▼
Return on contributions (dividend)694€39k€22k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €22k ▼51.9%
Net result drops to €22k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €47k ▲22.6%
Operating result €59k, net result €47k, both a record.
29-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Antwerpen · 1 establishment unit since 2021
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.
Kanunnikenstraat 142020 AntwerpenGround area
561 m²
Building footprint
498 m²
Volume, LiDAR
1,595 m³
Parcel 11809I2438/00L008, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
B&M Solution
since 20212.326.277.655
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2438/00L008 | Flanders | 560 m² | 1 · 498 m² | 9.8 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 293 EUR awarded · 293 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 293 EUR | 293 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
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CELT EURO TRANS
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H.G. Distribution
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NOLI
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Liège · Eq €18k
Of 4,836 companies in sector 53200 we hold annual accounts for 1,288. 1,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2021
Fiscal year end31-12
Activities, NACEBEL
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.