BCMA
ActiveBCMA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €406k and a net result of €39k. Equity is growing by ~44.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 37960 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▼-21
Solvency69▼-31
Growth78=
Track record100
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 2.35 against 8.71 in 2023; short-term debt: 7.9% and cash: 1.4% of total assets), but 55.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
30 d late
2022
60 d late
2021
61 d late
2020
60 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€406k▲ 10.6%
2023 · €367k
2018: €58k
2019: €75k
2020: €114k
2021: €182k
2022: €280k
2023: €367k
2018 → 2024
Total assets
€920k▲ 125%
2023 · €410k
2018: €77k
2019: €126k
2020: €173k
2021: €239k
2022: €329k
2023: €410k
2018 → 2024
Net result
€39k▼ 55.4%
2023 · €87k
2018: €6k
2019: €17k
2020: €39k
2021: €68k
2022: €98k
2023: €87k
2018 → 2024
Working capital
€99k▼ 69.9%
2023 · €327k
2018: €58k
2019: €75k
2020: €84k
2021: €148k
2022: €246k
2023: €327k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€114k-€182k▲ 60.1%€280k▲ 54.0%€367k▲ 31.0%€406k▲ 10.6%
Operating result€57k-€99k▲ 73.0%€141k▲ 42.9%€129k▼ 8.9%€72k▼ 44.0%
Net result€39k-€68k▲ 77.4%€98k▲ 43.9%€87k▼ 11.7%€39k▼ 55.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 44% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €920k
Fixed assets
€749k▲ 1,777%
Current assets
€171k▼ 53.7%
Equity and liabilities €920k
Equity
€406k▲ 10.6%
Debt
€514k▲ 1,112%
The debt ratio rises from 10.4% to 55.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€105k▼
2023 · €138k
Cash flow
€72k▼
2023 · €96k
Solvency
44.1%▼
2023 · 89.6%
Current ratio
2.35▼
2023 · 8.71
Quick ratio
2.35▼
2023 · 8.71
Debt / equity
1.27▲
2023 · 0.12
ROE
9.5%▼
2023 · 23.7%
ROA
4.2%▼
2023 · 21.2%
Interest coverage
6.43▼
2023 · 64.03
Debt
€514k▲
2023 · €42k
Debt ≤ 1 year
€73k▲
2023 · €42k
Debt > 1 year
€441k
Income taxes
€20k▼
2023 · €43k
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€410k€920k▲
Fixed assets21/28€40k€749k▲
Tangible fixed assets22/27€40k€749k▲
Land and buildings22-€695k
Plant, machinery and equipment23€23k€44k▲
Furniture and vehicles24€11k€9k▼
Assets under construction and advance payments27€6k-
Current assets29/58€370k€171k▼
Amounts receivable after more than one year29€130k€100k▼
Other amounts receivable291€130k€100k▼
Amounts receivable within one year40/41€50k€50k▲
Trade receivables40€46k€49k▲
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€183k€13k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€410k€920k▲
Equity10/15€367k€406k▲
Contributions10/11€6k€6k=
Reserves13€333k€371k▲
Distributable reserves133€333k€371k▲
Profit (loss) carried forward14€28k€28k=
Amounts payable17/49€42k€514k▲
Amounts payable after more than one year17-€441k
Financial debts170/4-€441k
Amounts payable within one year42/48€42k€73k▲
Current portion of amounts payable after more than one year42-€46k
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€37k€15k▼
Taxes450/3€37k€15k▼
Other amounts payable47/48€110€4k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€34k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€139k€107k▼
Operating profit (loss)9901€129k€72k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€2k€16k▲
Recurring financial charges65€2k€16k▲
Profit (loss) for the period before taxes9903€130k€58k▼
Income taxes67/77€43k€20k▼
Profit (loss) for the period9904€87k€39k▼
Profit (loss) for the period to be appropriated9905€87k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€115k€67k▼
Profit (loss) brought forward from the previous period14P€28k€28k=
Transfer to equity691/2€87k€39k▼
To other reserves6921€87k€39k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €98k ▲43.9%
Operating result €141k, net result €98k, both a record.
31-12
Financial
Equity above €200kEq €280k ▲54%
5 profitable years in a row build equity to €280k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Equity above €150kEq €182k ▲60.1%
4 profitable years in a row build equity to €182k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Equity above €100kEq €114k ▲51.3%
3 profitable years in a row build equity to €114k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 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, Rumst · 1 establishment unit 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.
Jan Van Eycklei 122840 RumstGround area
1,144 m²
Building footprint
155 m²
Volume, LiDAR
887 m³
Parcel 11036D0137/00C002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BCMA
since 20112.204.474.458
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036D0137/00C002 | Flanders | 1,144 m² | 1 · 155 m² | 8.1 m · 2 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.
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THE EUROPEAN C "HOMME" PANY
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 36,270 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.