B.M.Z.
ActiveB.M.Z. has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.57M and a net result of €134k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 2936 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▼-7
Solvency92▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 3.5 in 2023; short-term debt: 32.7% and cash: 25.2% of total assets), and 32.7% 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.
−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 56
Relative position
BE, all sectors
reference
Sector 56
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
67.3%
Return on assets
5.8%
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 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
9 d late
2022
3 d early
2021
33 d early
2020
31 d early
2019
17 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.57M▲ 3.3%
2023 · €1.52M
2018: €554k
2019: €749k
2020: €984k
2021: €1.16M
2022: €1.28M
2023: €1.52M
2018 → 2024
Total assets
€2.33M▲ 12.6%
2023 · €2.07M
2018: €1.07M
2019: €1.38M
2020: €1.54M
2021: €1.84M
2022: €1.92M
2023: €2.07M
2018 → 2024
Net result
€134k▼ 44.3%
2023 · €241k
2018: €202k
2019: €195k
2020: €235k
2021: €178k
2022: €115k
2023: €241k
2018 → 2024
Working capital
€1.39M▲ 2.1%
2023 · €1.36M
2018: €344k
2019: €554k
2020: €786k
2021: €975k
2022: €1.11M
2023: €1.36M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€984k-€1.16M▲ 18.1%€1.28M▲ 9.9%€1.52M▲ 18.8%€1.57M▲ 3.3%
Operating result€315k-€208k▼ 34.0%€162k▼ 21.9%€317k▲ 95.3%€183k▼ 42.2%
Net result€235k-€178k▼ 24.5%€115k▼ 35.6%€241k▲ 110%€134k▼ 44.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.33M
Fixed assets
€174k▲ 11.9%
Current assets
€2.15M▲ 12.7%
Equity and liabilities €2.33M
Equity
€1.57M▲ 3.3%
Debt
€761k▲ 38.3%
The debt ratio rises from 26.6% to 32.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€232k▼
2023 · €362k
Cash flow
€183k▼
2023 · €286k
Solvency
67.3%▼
2023 · 73.4%
Current ratio
2.83▼
2023 · 3.50
Quick ratio
2.80▼
2023 · 3.41
Debt / equity
0.49▲
2023 · 0.36
ROE
8.5%▼
2023 · 15.9%
ROA
5.8%▼
2023 · 11.6%
Interest coverage
11.74▼
2023 · 50.70
Debt
€761k▲
2023 · €550k
Debt ≤ 1 year
€761k▲
2023 · €547k
Debt > 1 year
€524▼
2023 · €3k
Income taxes
€40k▼
2023 · €69k
Staff costs
€1.35M▲
2023 · €1.23M
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€2.07M€2.33M▲
Fixed assets21/28€156k€174k▲
Tangible fixed assets22/27€101k€120k▲
Plant, machinery and equipment23€16k€27k▲
Furniture and vehicles24€32k€34k▲
Leasing and similar rights25€10k€3k▼
Other tangible fixed assets26€43k€55k▲
Financial fixed assets28€55k€55k=
Current assets29/58€1.91M€2.15M▲
Amounts receivable after more than one year29€80k€904k▲
Other amounts receivable291€80k€904k▲
Stocks and contracts in progress3€48k€25k▼
Stocks30/36€48k€25k▼
Amounts receivable within one year40/41€1.10M€640k▼
Trade receivables40€21k€41k▲
Other amounts receivable41€1.08M€599k▼
Cash at bank and in hand54/58€683k€586k▼
Equity and liabilities
Total equity and liabilities10/49€2.07M€2.33M▲
Equity10/15€1.52M€1.57M▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€1.50M€1.55M▲
Amounts payable17/49€550k€761k▲
Amounts payable after more than one year17€3k€524▼
Financial debts170/4€3k€524▼
Amounts payable within one year42/48€547k€761k▲
Current portion of amounts payable after more than one year42€27k€25k▼
Trade debts44€112k€399k▲
Suppliers440/4€112k€399k▲
Taxes, remuneration and social security45€408k€337k▼
Taxes450/3€43k€59k▲
Remuneration and social security454/9€365k€278k▼
Income statement
Code20232024
Remuneration, social security and pensions62€1.23M€1.35M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€49k▲
Other operating charges640/8€7k€3k▼
Gross operating margin9900€1.60M€1.58M▼
Operating profit (loss)9901€317k€183k▼
Financial income75/76B-€11k
Recurring financial income75-€11k
Financial charges65/66B€7k€20k▲
Recurring financial charges65€7k€20k▲
Profit (loss) for the period before taxes9903€310k€174k▼
Income taxes67/77€69k€40k▼
Profit (loss) for the period9904€241k€134k▼
Profit (loss) for the period to be appropriated9905€241k€134k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.50M€1.63M▲
Profit (loss) brought forward from the previous period14P€1.26M€1.50M▲
Profit to be distributed694/7-€84k
Return on contributions (dividend)694-€84k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 9 days late
2023
31-12
Financial
Highest result since 2018net €241k ▲110%
Operating result €317k, net result €241k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €115k ▼35.6%
Net result drops to €115k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.16M ▲18.1%
4 profitable years in a row build equity to €1.16M.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 17 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Turnhout · 1 establishment unit since 2007
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.
Graatakker 992300 TurnhoutGround area
1.4 ha
Building footprint
5,433 m²
Volume, LiDAR
71,314 m³
Parcel 13452N0024/00W000, Flanders · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
B.M.Z.
since 20072.166.518.853
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13452N0024/00W000 | Flanders | 1.4 ha | 1 · 5,433 m² | 18.3 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTurnhout2.166.518.853
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 2,888 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2007
Fiscal year end31-12
Activities, NACEBEL
55302
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.