B-MAR
ActiveSummary
B-MAR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of B-MAR were filed more than 90 days after the deadline. The 2021 annual accounts show negative equity (-€13,377) and a net result of -€995. Equity is growing by ~29.8% per year across the filed fiscal years. The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: Filed more than 90 days late
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Signals
1 signal. The signal on the left, the evidence on the right.
+raises risk
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-12-2025, 137 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
137 d late
2023
502 d late
2022
793 d late
2021
283 d late
2020
247 d late
2019
138 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 350 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2021, micro schema
Equity
-€13,377▼ 8.0%
2020 · -€12,382
Net result
-€995
2020 · €7,914
Total assets
€448,083▲ 55.1%
2020 · €288,886
Solvency
-3.0%▲ 1.3pp
2020 · -4.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2018201920202021
Operating result-€4,972-€8,920€15,353▲ 72.1%€6,700▼ 56.4%
Net result-€4,724-€5,797€7,914within the sector's middle half▲ 36.5%-€995below the sector's middle half
Equity-€26,092--€20,296▲ 22.2%-€12,382below the sector's middle half▲ 39.0%-€13,377below the sector's middle half▼ 8.0%
Total assets€133,592-€249,508▲ 86.8%€288,886within the sector's middle half▲ 15.8%€448,083within the sector's middle half▲ 55.1%
Debt€159,684-€269,804▲ 69.0%€301,268▲ 11.7%€461,460▲ 53.2%
Working capital-€24,839--€40,646▼ 63.6%-€32,740below the sector's middle half▲ 19.5%-€17,520below the sector's middle half▲ 46.5%
Solvency-19.5%--8.1%▲ 11.4pp-4.3%below the sector's middle half▲ 3.8pp-3.0%below the sector's middle half▲ 1.3pp
Current ratio0.84-0.83▼ 0.010.89below the sector's middle half▲ 0.050.96below the sector's middle half▲ 0.07
Return on assets (ROA)-3.5%-2.3%▲ 5.9pp2.7%within the sector's middle half▲ 0.4pp-0.2%below the sector's middle half▼ 3.0pp
Staff (FTE)0.71within the sector's middle half▲ 42.9%1=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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 falls in 2021; 2021 is 56% below 2020.
Balance-sheet composition
2021 in colour, 2020 as the grey bar beneath
Assets €448,083
Fixed assets
€22,778 ▼ 35.7%
Current assets
€425,304 ▲ 67.8%
Key figures and ratios
Debt ≤ 1 year
€442,824▲
2020 · €286,202
Debt > 1 year
€5,276▼
2020 · €14,255
Income taxes
€5,408▼
2020 · €5,642
Staff costs
€50,483▼
2020 · €51,652
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €51,652 | €50,483 | ▼ 2.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,047 | €13,239 | €12,105 | €12,647 | ▲ 4.5% |
| Other operating charges640/8 | - | - | €1,194 | €973 | ▼ 18.5% |
| Gross operating margin9900 | -€3,578 | €56,466 | €80,304 | €70,803 | ▼ 11.8% |
| Operating profit (loss)9901 | -€4,972 | €8,920 | €15,353 | €6,700 | ▼ 56.4% |
| Financial income75/76B | - | - | €2,499 | €2,891 | ▲ 15.7% |
| Recurring financial income75 | €5,254 | €10,221 | €2,499 | €2,891 | ▲ 15.7% |
| Financial charges65/66B | - | - | €4,297 | €5,178 | ▲ 20.5% |
| Recurring financial charges65 | €4,599 | €4,091 | €4,297 | €5,178 | ▲ 20.5% |
| Profit (loss) for the period before taxes9903 | -€4,317 | €15,049 | €13,556 | €4,413 | ▼ 67.4% |
| Income taxes67/77 | €407 | €9,253 | €5,642 | €5,408 | ▼ 4.1% |
| Profit (loss) for the period9904 | -€4,724 | €5,797 | €7,914 | -€995 | ▼ 113% |
| Profit (loss) for the period to be appropriated9905 | -€4,724 | €5,797 | €7,914 | -€995 | ▼ 113% |
| Line | 2018 | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €133,592 | €249,508 | €288,886 | €448,083 | ▲ 55.1% |
| Fixed assets21/28 | €1,653 | €44,302 | €35,425 | €22,778 | ▼ 35.7% |
| Intangible fixed assets21 | €1,283 | €962 | €641 | €321 | ▼ 50.0% |
| Tangible fixed assets22/27 | €370 | €43,340 | €34,783 | €22,457 | ▼ 35.4% |
| Furniture and vehicles24 | - | - | €5,882 | €3,190 | ▼ 45.8% |
| Leasing and similar rights25 | - | - | €28,902 | €19,268 | ▼ 33.3% |
| Current assets29/58 | €131,939 | €205,206 | €253,462 | €425,304 | ▲ 67.8% |
| Amounts receivable after more than one year29 | - | - | €135,000 | €120,000 | ▼ 11.1% |
| Other amounts receivable291 | - | - | €135,000 | €120,000 | ▼ 11.1% |
| Amounts receivable within one year40/41 | €89,622 | €186,099 | €105,745 | €159,556 | ▲ 50.9% |
| Trade receivables40 | - | - | €5,341 | €2,998 | ▼ 43.9% |
| Other amounts receivable41 | - | - | €100,404 | €156,558 | ▲ 55.9% |
| Cash at bank and in hand54/58 | €42,317 | €17,434 | €11,609 | €144,760 | ▲ 1,147% |
| Deferred charges and accrued income490/1 | - | - | €1,107 | €989 | ▼ 10.7% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €133,592 | €249,508 | €288,886 | €448,083 | ▲ 55.1% |
| Equity10/15 | -€26,092 | -€20,296 | -€12,382 | -€13,377 | ▼ 8.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€44,692 | -€38,896 | -€30,982 | -€31,977 | ▼ 3.2% |
| Amounts payable17/49 | €159,684 | €269,804 | €301,268 | €461,460 | ▲ 53.2% |
| Amounts payable after more than one year17 | - | €23,152 | €14,255 | €5,276 | ▼ 63.0% |
| Financial debts170/4 | - | - | €14,255 | €5,276 | ▼ 63.0% |
| Amounts payable within one year42/48 | €156,778 | €245,852 | €286,202 | €442,824 | ▲ 54.7% |
| Current portion of amounts payable after more than one year42 | - | - | €8,897 | €8,979 | ▲ 0.9% |
| Financial debts43 | - | - | €24,893 | €24,591 | ▼ 1.2% |
| Credit institutions430/8 | - | - | €24,893 | €24,591 | ▼ 1.2% |
| Trade debts44 | €99,138 | €196,341 | €220,668 | €323,009 | ▲ 46.4% |
| Suppliers440/4 | - | - | €220,668 | €323,009 | ▲ 46.4% |
| Taxes, remuneration and social security45 | - | - | €31,745 | €16,794 | ▼ 47.1% |
| Taxes450/3 | - | - | €23,460 | €8,208 | ▼ 65.0% |
| Remuneration and social security454/9 | - | - | €8,285 | €8,586 | ▲ 3.6% |
| Other amounts payable47/48 | - | - | - | €69,451 | - |
| Accrued charges and deferred income492/3 | - | - | €811 | €13,360 | ▲ 1,546% |
| Line | 2018 | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,724 | €5,797 | €7,914 | -€995 | ▼ 113% |
| + Depreciation and write-downs630 | €1,047 | €13,239 | €12,105 | €12,647 | ▲ 4.5% |
| Operating cash flow (approximation) | -€3,677 | €19,036 | €20,019 | €11,651 | ▼ 41.8% |
| Investment in fixed assets (approximation) | - | -€55,888 | -€3,227 | €0 | ▲ 100% |
| Change in cash | - | -€24,883 | -€5,825 | €133,151 | ▲ 2,386% |
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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 502 days late
01-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 793 days late
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 283 days late
2022
04-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 247 days late
2020
31-12
Financial
Highest result since 2018net €7,914 ▲36.5%
Operating result €15,353, net result €7,914, both a record.
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 138 days late
2019
31-12
Financial
Back to profitnet €5,797
Net result €5,797 after one loss-making year.
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 120 days late
25-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 209 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-07
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.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Willebroek · 2 establishment units since 2004
Ground area
4,527 m²
Building footprint
1,266 m²
Volume, LiDAR
9,538 m³
2 parcels, Flanders · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
42
companies at this address
See who is registered here
2 establishment units
B-MAR
since 20042.282.121.275
B-Mar - Yacht Division
since 20192.291.541.757
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12040A0072/00C002 | Flanders | 4,191 m² | 1 · 1,140 m² | 9.1 m · 2 fl. |
| 12342B0102/00E000 | Flanders | 336 m² | 1 · 126 m² | 13.0 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-04-2004
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0864996708
Registered
12-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.