BBM Consult
ActiveBBM Consult has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €300k and a net result of €8k. Equity is growing by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 65% of 1009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▼ -6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-67
Solvency97▲+4
Growth35▼-17
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.96 against 2.24 in 2024), and 45.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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 2025Solvency, return and age of the figures
Solvency
54.3%
Return on assets
1.5%
Age of the figures
17 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-11-2025, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
on the day
2023
100 d late
2022
465 d late
2021
830 d late
2020
735 d late
2019
158 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
€387k▼ 26.5%
2024 · €526k
2019: €769k
2024: €526k
2019 → 2025
EBIT margin
4.5%▼ 32.4pp
2024 · 36.9%
2019: 7.0%
2024: 36.9%
2019 → 2025
Net result
€8k▼ 93.0%
2024 · €119k
2019: €31k
2020: €31k
2021: €65k
2022: €24k
2023: €21k
2024: €119k
2019 → 2025
Working capital
€305k▲ 5.7%
2024 · €288k
2019: €231k
2020: €399k
2021: €298k
2022: €278k
2023: €202k
2024: €288k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€526k€387k▼ 26.5%
Equity€148k-€172k▲ 16.2%€192k▲ 12.0%€291k▲ 51.3%€300k▲ 2.9%
Operating result€280k-€125k▼ 55.5%€35k▼ 71.7%€194k▲ 450%€17k▼ 91.0%
Net result€65k-€24k▼ 63.0%€21k▼ 13.4%€119k▲ 476%€8k▼ 93.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 91% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €552k
Fixed assets
€92k▼ 8.6%
Current assets
€460k▼ 11.6%
Equity and liabilities €552k
Equity
€300k▲ 2.9%
Provisions
€19k=
Debt
€233k▼ 24.8%
The debt ratio falls from 50.0% to 42.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€39k▼
2024 · €210k
Cash flow
€30k▼
2024 · €135k
Solvency
54.3%▲
2024 · 46.9%
Current ratio
2.96▲
2024 · 2.24
Quick ratio
2.96▲
2024 · 2.24
Debt / equity
0.78▼
2024 · 1.07
ROE
2.8%▼
2024 · 40.9%
ROA
1.5%▼
2024 · 19.2%
Interest coverage
9.14▼
2024 · 42.64
Debt
€233k▼
2024 · €311k
Debt ≤ 1 year
€155k▼
2024 · €232k
Debt > 1 year
€78k▼
2024 · €79k
Income taxes
€6k▼
2024 · €70k
Staff costs
€29k▼
2024 · €47k
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€621k€552k▼
Fixed assets21/28€101k€92k▼
Tangible fixed assets22/27€101k€92k▼
Land and buildings22€77k€62k▼
Plant, machinery and equipment23-€11k
Furniture and vehicles24€23k€19k▼
Current assets29/58€520k€460k▼
Amounts receivable within one year40/41€315k€375k▲
Trade receivables40€308k€375k▲
Other amounts receivable41€7k€160▼
Cash at bank and in hand54/58€205k€85k▼
Equity and liabilities
Total equity and liabilities10/49€621k€552k▼
Equity10/15€291k€300k▲
Reserves13€210k€218k▲
Distributable reserves133€210k€218k▲
Profit (loss) carried forward14€82k€82k▲
Provisions and deferred taxes16€19k€19k=
Provisions for liabilities and charges160/5€19k€19k=
Environmental obligations163€19k€19k=
Amounts payable17/49€311k€233k▼
Amounts payable after more than one year17€79k€78k▼
Financial debts170/4€79k€78k▼
Amounts payable within one year42/48€232k€155k▼
Current portion of amounts payable after more than one year42€29k€13k▼
Financial debts43€146-
Credit institutions430/8€146-
Trade debts44€39k€39k▲
Suppliers440/4€35k€39k▲
Bills of exchange payable441€3k-
Taxes, remuneration and social security45€108k€32k▼
Taxes450/3€94k€30k▼
Remuneration and social security454/9€14k€2k▼
Other amounts payable47/48€57k€70k▲
Income statement
Code20242025
Turnover70€526k€387k▼
Goods, raw materials, services and sundry goods60/61€259k€311k▲
Remuneration, social security and pensions62€47k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€21k▲
Other operating charges640/8€11k€9k▼
Gross operating margin9900€267k€76k▼
Operating profit (loss)9901€194k€17k▼
Financial income75/76B€63€758▲
Recurring financial income75€63€351▲
Non-recurring financial income76B-€407
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€189k€14k▼
Income taxes67/77€70k€6k▼
Profit (loss) for the period9904€119k€8k▼
Profit (loss) for the period to be appropriated9905€119k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€201k€209k▲
Profit (loss) brought forward from the previous period14P€82k€201k▲
Transfer to equity691/2€119k€127k▲
To other reserves6921€119k€127k▲
The notes to these accounts (9 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
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 20 days late
31-03
Financial
Weakest financial yearnet €8k ▼93%
Net result drops to €8k, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Highest result since 2019net €119k ▲476%
Net result €119k, the highest in the series.
31-03
Financial
Equity above €200kEq €291k ▲51.3%
6 profitable years in a row build equity to €291k.
08-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 100 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 465 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 830 days late
2022
05-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 735 days late
31-03
Financial
Equity above €150kEq €172k ▲16.2%
4 profitable years in a row build equity to €172k.
2021
31-03
Financial
Equity above €100kEq €148k ▲77.5%
3 profitable years in a row build equity to €148k.
2020
06-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 158 days late
2019
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 124 days late
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
01-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Charleroi · 2 establishment units since 2009
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 du Fort 186000 CharleroiGround area
1,404 m²
Building footprint
379 m²
Volume, LiDAR
8,045 m³
2 parcels, Brussels, Wallonia · tallest building 29.8 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
BBM CONSULT
since 20092.270.612.325
BBM CONSULT
since 20142.270.626.973
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0292/00X006 | Brussels | 1,253 m² | 1 · 333 m² | 29.8 m · 9 fl. |
| 52302A0003/00L023 | Wallonia | 151 m² | 1 · 46 m² | 14.2 m · 4 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.
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,028 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2009
Fiscal year end31-03
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.