B & M St co
ActiveB & M St co has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275k and a net result of €87k. Equity is growing by ~49.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.53 against 5.46 in 2024; short-term debt: 13% and cash: 59.6% of total assets), and 13% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87%
Return on assets
27.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-04-2026, 98 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
98 d early
2024
15 d early
2023
8 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€275k▲ 46.1%
2024 · €188k
2023: €89k
2024: €188k
2023 → 2025
Total assets
€316k▲ 38.7%
2024 · €228k
2023: €120k
2024: €228k
2023 → 2025
Net result
€87k▼ 12.8%
2024 · €99k
2023: €88k
2024: €99k
2023 → 2025
Working capital
€268k▲ 51.7%
2024 · €176k
2023: €83k
2024: €176k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€89k-€188k▲ 112%€275k▲ 46.1%
Operating result€111k-€129k▲ 15.8%€114k▼ 11.9%
Net result€88k-€99k▲ 13.5%€87k▼ 12.8%
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 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316k
Fixed assets
€7k▼ 38.8%
Current assets
€309k▲ 42.8%
Equity and liabilities €316k
Equity
€275k▲ 46.1%
Debt
€41k▲ 3.6%
The debt ratio falls from 17.4% to 13.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€118k▼
2024 · €133k
Cash flow
€91k▼
2024 · €103k
Solvency
87.0%▲
2024 · 82.6%
Current ratio
7.53▲
2024 · 5.46
Quick ratio
7.53▲
2024 · 5.46
Debt / equity
0.15▼
2024 · 0.21
ROE
31.6%▼
2024 · 52.9%
ROA
27.5%▼
2024 · 43.7%
Interest coverage
384.24▼
2024 · 779.38
Debt
€41k▲
2024 · €40k
Debt ≤ 1 year
€41k▲
2024 · €40k
Income taxes
€28k▼
2024 · €30k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€228k€316k▲
Fixed assets21/28€12k€7k▼
Tangible fixed assets22/27€12k€7k▼
Plant, machinery and equipment23€594€195▼
Furniture and vehicles24€11k€7k▼
Current assets29/58€216k€309k▲
Amounts receivable after more than one year29€23k€22k▼
Other amounts receivable291€23k€22k▼
Amounts receivable within one year40/41€61k€99k▲
Trade receivables40€56k€51k▼
Other amounts receivable41€5k€48k▲
Cash at bank and in hand54/58€125k€188k▲
Deferred charges and accrued income490/1€7k€92▼
Equity and liabilities
Total equity and liabilities10/49€228k€316k▲
Equity10/15€188k€275k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€187k€274k▲
Amounts payable17/49€40k€41k▲
Amounts payable within one year42/48€40k€41k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€33k€38k▲
Taxes450/3€33k€38k▲
Accrued charges and deferred income492/3€66€67▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€707€868▲
Gross operating margin9900€134k€119k▼
Operating profit (loss)9901€129k€114k▼
Financial income75/76B€290€840▲
Recurring financial income75€290€840▲
Financial charges65/66B€171€308▲
Recurring financial charges65€171€308▲
Profit (loss) for the period before taxes9903€129k€114k▼
Income taxes67/77€30k€28k▼
Profit (loss) for the period9904€99k€87k▼
Profit (loss) for the period to be appropriated9905€99k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€187k€274k▲
Profit (loss) brought forward from the previous period14P€88k€187k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €87k ▼12.8%
Net result drops to €87k, the lowest in the series.
31-12
Financial
Equity above €200kEq €275k ▲46.1%
3 profitable years in a row build equity to €275k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €99k ▲13.5%
Operating result €129k, net result €99k, both a record.
31-12
Financial
Equity above €150kEq €188k ▲112%
2 profitable years in a row build equity to €188k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Martens-Latem · 1 establishment unit since 2023
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.
Buizenbergstraat 389830 Sint-Martens-LatemGround area
1,232 m²
Building footprint
172 m²
Volume, LiDAR
1,663 m³
Parcel 44064A0284/00R000, Flanders · tallest building 32.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B & M St co
since 20232.342.168.928
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064A0284/00R000 | Flanders | 1,232 m² | 1 · 172 m² | 32.3 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.
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BE 0780.582.853
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 38,573 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.