BCMT
ActiveSummary
The computed 12-month bankruptcy probability of BCMT is 2.5% (moderate). The 2024 annual accounts show equity of €16k and a net result of €1k. Equity is shrinking by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 37% of 26043 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability51▲+49
Solvency42▼-5
Growth32=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.84 against 1.05 in 2023; short-term debt: 82.8% and cash: 59.5% of total assets), and 82.8% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
17.2%
Return on assets
1.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
19 d late
2023
33 d early
2022
7 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€16k▲ 8.1%
2023 · €15k
2022: €24k
2023: €15k
2022 → 2024
Total assets
€96k▲ 39.9%
2023 · €68k
2022: €53k
2023: €68k
2022 → 2024
Net result
€1k
2023 · €-9k
2022: €22k
2023: €-9k
2022 → 2024
Working capital
€-12k
2023 · €2k
2022: €11k
2023: €2k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€24k-€15k▼ 37.8%€16k▲ 8.1%
Operating result€32k-€-6k€3k
Net result€22k-€-9k€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €3k after a loss of €6k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €96k
Fixed assets
€29k ▲ 125%
Current assets
€67k ▲ 20.2%
Equity and liabilities €96k
Equity
€16k ▲ 8.1%
Debt
€79k ▲ 49.0%
Debt's share of the balance-sheet total rises from 77.8% to 82.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▲
2023 · €-2k
Cash flow
€6k▲
2023 · €-5k
Current ratio
0.84▼
2023 · 1.05
Debt to equity
4.82▲
2023 · 3.50
ROE
7.5%▲
2023 · -60.9%
ROA
1.3%▲
2023 · -13.5%
Interest coverage
3.71▲
2023 · -0.57
Debt ≤ 1 year
€79k▲
2023 · €53k
Income taxes
€291▼
2023 · €301
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 · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€68k€96k▲
Fixed assets21/28€13k€29k▲
Tangible fixed assets22/27€13k€29k▲
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€370€20k▲
Current assets29/58€56k€67k▲
Amounts receivable within one year40/41€7k€10k▲
Trade receivables40€1k€59▼
Other amounts receivable41€6k€10k▲
Cash at bank and in hand54/58€48k€57k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€68k€96k▲
Equity10/15€15k€16k▲
Contributions10/11€2k€2k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€3k€4k▲
Amounts payable17/49€53k€79k▲
Amounts payable within one year42/48€53k€79k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€42k€70k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-633€9k▲
Operating profit (loss)9901€-6k€3k▲
Financial income75/76B€0€659▲
Recurring financial income75€0€659▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-9k€2k▲
Income taxes67/77€301€291▼
Profit (loss) for the period9904€-9k€1k▲
Profit (loss) for the period to be appropriated9905€-9k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€4k▲
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer from equity791/2€10k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-9k ▼141%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
24-07
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, Clavier · 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 la Drêve 614560 ClavierGround area
1,363 m²
Building footprint
266 m²
Parcel 61012A0001/00A003, Wallonia. Linked by address, not a title deed.
1 establishment unit
BCMT SRL
since 20222.329.799.151
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61012A0001/00A003 | Wallonia | 1,363 m² | 1 · 266 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteClavier2.329.799.151
Similar companies · same sector, comparable size
AU COMPTOIR DES COLLINES
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VES DEELIKATES
BE 0642.984.195
Aalst · Eq €16,558
Boucherie TOCK
BE 0446.701.034
Etalle · Eq €16,351
KIP & HIP
BE 0477.541.688
Deinze · Eq €16,349
L'HORECALIENNE
BE 0449.046.454
Lierneux · Eq €16,317
Of 3,043 companies in sector 47221 we hold annual accounts for 1,564. 943 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
Founded07-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
10850Manufacture of food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
47271Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:cathythesias1972@gmail.com
Phone:086/34.42.90