B&M TEGELIMPORT
ActiveB&M TEGELIMPORT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.08M and a net result of €-15k. Equity is shrinking by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 9039 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability21▼-5
Solvency96▲+8
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 2.53 in 2023; short-term debt: 29.2% and cash: 13.2% of total assets), and 29.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2024Solvency, return and age of the figures
Solvency
70.8%
Return on assets
-1%
Age of the figures
21 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 16-07-2025, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
15 d early
2023
34 d early
2022
25 d early
2021
17 d early
2020
18 d early
2019
28 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.08M▼ 1.4%
2023 · €1.09M
2018: €1.80M
2019: €1.80M
2020: €1.87M
2021: €1.05M
2022: €1.09M
2023: €1.09M
2018 → 2024
Total assets
€1.52M▼ 12.7%
2023 · €1.74M
2018: €2.11M
2019: €1.94M
2020: €2.01M
2021: €1.79M
2022: €1.96M
2023: €1.74M
2018 → 2024
Net result
€-15k
2023 · €5k
2018: €-241k
2019: €2k
2020: €69k
2021: €186k
2022: €51k
2023: €5k
2018 → 2024
Working capital
€1.00M▲ 0.8%
2023 · €995k
2018: €1.66M
2019: €1.69M
2020: €1.77M
2021: €934k
2022: €983k
2023: €995k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.87M-€1.05M▼ 43.6%€1.09M▲ 2.9%€1.09M▲ 0.5%€1.08M▼ 1.4%
Operating result€87k-€206k▲ 136%€75k▼ 63.5%€25k▼ 66.4%€-2k
Net result€69k-€186k▲ 169%€51k▼ 72.7%€5k▼ 89.7%€-15k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €25k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.52M
Fixed assets
€74k▼ 23.9%
Current assets
€1.45M▼ 12.1%
Equity and liabilities €1.52M
Equity
€1.08M▼ 1.4%
Debt
€444k▼ 31.7%
The debt ratio falls from 37.4% to 29.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€24k▼
2023 · €50k
Cash flow
€11k▼
2023 · €30k
Solvency
70.8%▲
2023 · 62.6%
Current ratio
3.26▲
2023 · 2.53
Quick ratio
0.87▲
2023 · 0.77
Debt / equity
0.41▼
2023 · 0.60
ROE
-1.4%▼
2023 · 0.5%
ROA
-1.0%▼
2023 · 0.3%
Interest coverage
0.47▼
2023 · 0.83
Debt
€444k▼
2023 · €651k
Debt ≤ 1 year
€443k▼
2023 · €650k
Income taxes
€329▼
2023 · €514
Staff costs
€298k▼
2023 · €299k
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€1.74M€1.52M▼
Fixed assets21/28€97k€74k▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€97k€74k▼
Land and buildings22€39k€36k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€53k€34k▼
Financial fixed assets28€270€270=
Current assets29/58€1.64M€1.45M▼
Stocks and contracts in progress3€1.15M€1.06M▼
Stocks30/36€1.15M€1.06M▼
Amounts receivable within one year40/41€200k€182k▼
Trade receivables40€200k€173k▼
Other amounts receivable41-€10k
Cash at bank and in hand54/58€271k€201k▼
Deferred charges and accrued income490/1€26k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.74M€1.52M▼
Equity10/15€1.09M€1.08M▼
Contributions10/11€1.07M€1.07M=
Capital10€1.07M€1.07M=
Issued capital100€1.07M€1.07M=
Reserves13€14k€14k=
Non-distributable reserves130/1€14k€14k=
Legal reserve130€14k€14k=
Profit (loss) carried forward14€5k€-10k▼
Amounts payable17/49€651k€444k▼
Amounts payable within one year42/48€650k€443k▼
Trade debts44€16k€19k▲
Suppliers440/4€16k€19k▲
Taxes, remuneration and social security45€74k€65k▼
Taxes450/3€19k€24k▲
Remuneration and social security454/9€55k€41k▼
Other amounts payable47/48€560k€360k▼
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20232024
Remuneration, social security and pensions62€299k€298k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€10k€9k▼
Gross operating margin9900€360k€331k▼
Operating profit (loss)9901€25k€-2k▼
Financial income75/76B€41k€39k▼
Recurring financial income75€41k€39k▼
Financial charges65/66B€60k€51k▼
Recurring financial charges65€60k€51k▼
Profit (loss) for the period before taxes9903€6k€-15k▼
Income taxes67/77€514€329▼
Profit (loss) for the period9904€5k€-15k▼
Profit (loss) for the period to be appropriated9905€5k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-10k▼
Profit (loss) brought forward from the previous period14P€0€5k▲
Transfer to equity691/2€260€0▼
To the legal reserve6920€260€0▼
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90874.94.9=
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €186k ▲169%
Operating result €206k, net result €186k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 13.22
Current ratio from 6.45 to 13.22; short-term debt falls from €305k to €139k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 22 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
26-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Genk · 2 establishment units since 2011
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.
Taunusweg 43600 GenkGround area
1.3 ha
Building footprint
6,986 m²
Volume, LiDAR
34,432 m³
2 parcels, Flanders · tallest building 15.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
B&M TEGELIMPORT
since 20112.205.746.445
B&M Tegelimport
since 20112.205.786.730
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71304E0735/00Z011 | Flanders | 9,059 m² | 1 · 4,778 m² | 15.3 m · 2 fl. |
| 31019D0014/00B000 | Flanders | 4,083 m² | 1 · 2,208 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 to 2023 · 2 entries · 263 EUR awarded · 263 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 65 EUR | 65 EUR |
| 2022 | 1 | 198 EUR | 198 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 169 companies in sector 46835 we hold annual accounts for 114. 61 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-12-2011
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
46835Wholesale trade
46839Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.