B-P-M
ActiveSummary
B-P-M has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €88k. Equity is growing by ~41.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency75▼-25
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 5.08 in 2024; short-term debt: 50.4% and cash: 77.9% of total assets), but 50.4% 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.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
49.6%
Return on assets
39.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
13 d late
2024
39 d late
2023
8 d late
2022
39 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€26k
EBIT margin
67.8%
Net result
€88k▲ 30.6%
2024 · €67k
2022: €14k
2023: €38k
2024: €67k
2022 → 2025
Working capital
€103k▼ 8.6%
2024 · €112k
2022: €17k
2023: €54k
2024: €112k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€26k-
Equity€17k-€55k▲ 218%€122k▲ 122%€110k▼ 10.2%
Operating result€18k-€53k▲ 193%€84k▲ 60.4%€121k▲ 43.4%
Net result€14k-€38k▲ 164%€67k▲ 77.5%€88k▲ 30.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€7k ▼ 29.2%
Current assets
€214k ▲ 52.9%
Equity and liabilities €221k
Equity
€110k ▼ 10.2%
Debt
€111k ▲ 304%
Debt's share of the balance-sheet total rises from 18.4% to 50.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€124k▲
2024 · €86k
Cash flow
€90k▲
2024 · €69k
Current ratio
1.92▼
2024 · 5.08
Debt to equity
1.02▲
2024 · 0.23
ROE
79.8%▲
2024 · 54.9%
ROA
39.6%▼
2024 · 44.8%
Debt ≤ 1 year
€111k▲
2024 · €28k
Income taxes
€33k▲
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€150k€221k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Land and buildings22€4k€3k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€140k€214k▲
Amounts receivable within one year40/41€32k€41k▲
Trade receivables40-€41k
Other amounts receivable41€32k-
Cash at bank and in hand54/58€107k€172k▲
Deferred charges and accrued income490/1€780€1k▲
Equity and liabilities
Total equity and liabilities10/49€150k€221k▲
Equity10/15€122k€110k▼
Contributions10/11€3k€3k=
Reserves13€105k€105k=
Distributable reserves133€105k€105k=
Profit (loss) carried forward14€14k€2k▼
Amounts payable17/49€28k€111k▲
Amounts payable within one year42/48€28k€111k▲
Trade debts44€928€384▼
Suppliers440/4€928€384▼
Taxes, remuneration and social security45€26k€25k▼
Taxes450/3€26k€25k▼
Remuneration and social security454/9€516€503▼
Other amounts payable47/48€387€85k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8-€400
Gross operating margin9900€86k€124k▲
Operating profit (loss)9901€84k€121k▲
Financial income75/76B€9k€60▼
Recurring financial income75€9k€60▼
Financial charges65/66B€188-
Recurring financial charges65€188-
Profit (loss) for the period before taxes9903€93k€121k▲
Income taxes67/77€26k€33k▲
Profit (loss) for the period9904€67k€88k▲
Profit (loss) for the period to be appropriated9905€67k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€102k▲
Profit (loss) brought forward from the previous period14P€14k€14k=
Transfer to equity691/2€67k-
To other reserves6921€67k-
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Highest result since 2022net €88k ▲30.6%
Operating result €121k, net result €88k, both a record.
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
31-12
Financial
Equity above €100kEq €122k ▲122%
3 profitable years in a row build equity to €122k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
22-06
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
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, Gesves · 1 establishment unit since 2022
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.
Rue de Loyers 275340 GesvesGround area
1,029 m²
Building footprint
158 m²
Parcel 92092A0008/00F002, Wallonia. Linked by address, not a title deed.
1 establishment unit
B-P-M
since 20222.336.249.849
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92092A0008/00F002 | Wallonia | 1,029 m² | 1 · 158 m² | - |
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.
Similar companies · same sector, comparable size
APPS Graphic Design
BE 0676.639.633
Hasselt · Eq €109,525
PURE ART
BE 0816.930.238
Oudsbergen · Eq €109,176
JAN BOSSCHAERT
BE 0456.039.659
Wijnegem · Eq €110,343
ATELIER DESIGN
BE 0459.587.780
Etterbeek · Eq €108,783
OFF THE GRID
BE 0664.595.302
Antwerpen · Eq €110,574
Of 6,295 companies in sector 74120 we hold annual accounts for 1,011. 799 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2022
Fiscal year end31-12
Activities, NACEBEL 2025
74120Graphic design and visual communication
59111Production of cinema films
59201Sound recording
70200Business and other management consultancy
73110Advertising agencies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.