BDMG
ActiveSummary
BDMG has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104,336 and a net result of -€351. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 45% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-31
Solvency53▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.77 in 2024; short-term debt: 69.2% and cash: 28.9% of total assets), and 72.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
27.8%
Return on assets
-0.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
4 d early
2022
on the day
2021
65 d early
2020
1 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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 close27-09-2026 today31-10-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€104,336▼ 0.3%
2024 · €104,686
Total assets
€374,796▲ 47.6%
2024 · €253,893
Net result
-€351
2024 · €103,540
Working capital
€74,021▼ 15.4%
2024 · €87,525
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result€2,050▼ 60.1%-€2,980-€10,541▼ 254%€152,919€7,776▼ 94.9%
Net result€1,802within the sector's middle half▼ 63.2%€1,704within the sector's middle half▼ 5.5%-€10,932below the sector's middle half€103,540above the sector's middle half-€351within the sector's middle half
Equity€10,374within the sector's middle half▲ 21.0%€12,078within the sector's middle half▲ 16.4%€1,146below the sector's middle half▼ 90.5%€104,686within the sector's middle half▲ 9,033%€104,336within the sector's middle half▼ 0.3%
Total assets€11,839below the sector's middle half▼ 27.0%€12,819below the sector's middle half▲ 8.3%€8,794below the sector's middle half▼ 31.4%€253,893within the sector's middle half▲ 2,787%€374,796above the sector's middle half▲ 47.6%
Debt€1,465▼ 80.8%€741▼ 49.4%€7,648▲ 932%€149,206▲ 1,851%€270,460▲ 81.3%
Working capital€9,371▲ 26.2%€11,218▲ 19.7%€429▼ 96.2%€87,525▲ 20,290%€74,021▼ 15.4%
Solvency87.6%above the sector's middle half▲ 34.7pp94.2%above the sector's middle half▲ 6.6pp13.0%within the sector's middle half▼ 81.2pp41.2%within the sector's middle half▲ 28.2pp27.8%within the sector's middle half▼ 13.4pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 2025; 2025 is 95% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €374,796
Fixed assets
€41,332 ▼ 21.6%
Current assets
€333,464 ▲ 65.7%
Equity and liabilities €374,796
Equity
€104,336 ▼ 0.3%
Debt
€270,460 ▲ 81.3%
Debt's share of the balance-sheet total rises from 58.8% to 72.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19,143▼
2024 · €156,240
Cash flow
€11,017▼
2024 · €106,862
Current ratio
1.29▼
2024 · 1.77
Quick ratio
0.97▼
2024 · 1.06
Debt to equity
2.59▲
2024 · 1.43
ROE
-0.3%▼
2024 · 98.9%
ROA
-0.1%▼
2024 · 40.8%
Interest coverage
6.16▼
2024 · 45.95
Debt ≤ 1 year
€259,443▲
2024 · €113,668
Debt > 1 year
€11,017▼
2024 · €35,538
Income taxes
€5,017▼
2024 · €45,978
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,448 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
5.0%
stopped otherwise
93%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,448 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €143 | €143 | €143 | €3,322 | €11,367 | ▲ 242% |
| Other operating charges640/8 | - | €410 | €410 | €1,975 | €396 | ▼ 80.0% |
| Gross operating margin9900 | €2,603 | -€2,427 | -€9,988 | €158,215 | €19,539 | ▼ 87.7% |
| Operating profit (loss)9901 | €2,050 | -€2,980 | -€10,541 | €152,919 | €7,776 | ▼ 94.9% |
| Financial income75/76B | - | €5,034 | - | - | - | - |
| Recurring financial income75 | - | €5,034 | - | - | - | - |
| Financial charges65/66B | - | €351 | €391 | €3,401 | €3,109 | ▼ 8.6% |
| Recurring financial charges65 | €248 | €351 | €391 | €3,401 | €3,109 | ▼ 8.6% |
| Profit (loss) for the period before taxes9903 | €1,802 | €1,704 | -€10,932 | €149,518 | €4,667 | ▼ 96.9% |
| Income taxes67/77 | - | - | - | €45,978 | €5,017 | ▼ 89.1% |
| Profit (loss) for the period9904 | €1,802 | €1,704 | -€10,932 | €103,540 | -€351 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €1,802 | €1,704 | -€10,932 | €103,540 | -€351 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €11,839 | €12,819 | €8,794 | €253,893 | €374,796 | ▲ 47.6% |
| Fixed assets21/28 | €1,004 | €860 | €717 | €52,699 | €41,332 | ▼ 21.6% |
| Tangible fixed assets22/27 | €1,004 | €860 | €717 | €52,699 | €41,332 | ▼ 21.6% |
| Plant, machinery and equipment23 | - | - | - | €1,056 | €649 | ▼ 38.6% |
| Furniture and vehicles24 | - | €860 | €717 | €41,038 | €32,527 | ▼ 20.7% |
| Other tangible fixed assets26 | - | - | - | €10,605 | €8,156 | ▼ 23.1% |
| Current assets29/58 | €10,835 | €11,959 | €8,077 | €201,194 | €333,464 | ▲ 65.7% |
| Stocks and contracts in progress3 | - | - | - | €80,825 | €81,000 | ▲ 0.2% |
| Stocks30/36 | - | - | - | €80,825 | €81,000 | ▲ 0.2% |
| Amounts receivable within one year40/41 | €8,073 | €10,482 | €7,746 | €103,659 | €143,262 | ▲ 38.2% |
| Trade receivables40 | - | €9,887 | €7,564 | €103,475 | €143,067 | ▲ 38.3% |
| Other amounts receivable41 | - | €595 | €182 | €184 | €196 | ▲ 6.3% |
| Current investments50/53 | - | - | - | €16,400 | - | - |
| Cash at bank and in hand54/58 | €2,399 | €1,216 | €244 | - | €108,221 | - |
| Deferred charges and accrued income490/1 | - | €260 | €88 | €310 | €981 | ▲ 216% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €11,839 | €12,819 | €8,794 | €253,893 | €374,796 | ▲ 47.6% |
| Equity10/15 | €10,374 | €12,078 | €1,146 | €104,686 | €104,336 | ▼ 0.3% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €76,859 | €76,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | - | - | €75,000 | €75,000 | = |
| Profit (loss) carried forward14 | -€3,885 | -€2,181 | -€13,113 | €15,427 | €15,077 | ▼ 2.3% |
| Amounts payable17/49 | €1,465 | €741 | €7,648 | €149,206 | €270,460 | ▲ 81.3% |
| Amounts payable after more than one year17 | - | - | - | €35,538 | €11,017 | ▼ 69.0% |
| Financial debts170/4 | - | - | - | €35,538 | €11,017 | ▼ 69.0% |
| Amounts payable within one year42/48 | €1,465 | €741 | €7,648 | €113,668 | €259,443 | ▲ 128% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €58,586 | - |
| Trade debts44 | €504 | €675 | €877 | €38,809 | €125,176 | ▲ 223% |
| Suppliers440/4 | - | €675 | €877 | €38,809 | €125,176 | ▲ 223% |
| Taxes, remuneration and social security45 | - | €66 | - | €49,499 | €24,475 | ▼ 50.6% |
| Taxes450/3 | - | €66 | - | €49,499 | €24,475 | ▼ 50.6% |
| Other amounts payable47/48 | - | - | €6,770 | €25,360 | €51,205 | ▲ 102% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,802 | €1,704 | -€10,932 | €103,540 | -€351 | ▼ 100% |
| + Depreciation and write-downs630 | €143 | €143 | €143 | €3,322 | €11,367 | ▲ 242% |
| Operating cash flow (approximation) | €1,946 | €1,847 | -€10,788 | €106,862 | €11,017 | ▼ 89.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€55,304 | €0 | ▲ 100% |
| Change in cash | - | -€1,183 | -€972 | - | - | - |
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
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €103,540
Net result €103,540 after one loss-making year.
31-03
Financial
Equity above €100,000Eq €104,686 ▲9,033%
Equity rises from €1,146 to €104,686.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet -€10,932
Net result drops to -€10,932, the lowest in the series; recovery starts the following year.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 16.14
Current ratio from 7.40 to 16.14; short-term debt falls from €1,465 to €741.
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 7.40
Current ratio from 1.97 to 7.40; short-term debt falls from €7,636 to €1,465.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €4,902
Net result €4,902 after one loss-making year.
Show earlier events
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Hasselt · 1 establishment unit since 1998
Ground area
7,427 m²
Building footprint
1,840 m²
Volume, LiDAR
1,592 m³
Parcel 71322A0248/00Y002, Flanders · tallest building 15.7 m. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
Stadsheide 25, 3500 Hasselt
since 19982.085.625.704
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322A0248/00Y002 | Flanders | 7,427 m² | 1 · 1,840 m² | 15.7 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 112 EUR awarded · 112 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 112 EUR | 112 EUR |
Similar companies · same sector, comparable size
DOMUS NOCTUM
BE 0827.764.445
Aalst · Eq €104,458
3 TO ONE
BE 0872.352.672
Lebbeke · Eq €104,099
JEFFRASLEEP
BE 0534.789.605
Wevelgem · Eq €104,046
KKB Latem
BE 0420.142.335
Sint-Martens-Latem · Eq €104,863
DEDIS
BE 0465.436.385
Dendermonde · Eq €105,080
Of 2,606 companies in sector 47551 we hold annual accounts for 1,718. 1,328 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-02-1998
Fiscal year end31-03
Activities, NACEBEL 2025
47551Retail sale of household furniture
70200Business and other management consultancy
31004Manufacture of dining room, living room, bedroom and bathroom furniture
46150Agents in the wholesale of furniture, household goods and hardware
47789Other retail sale of new goods
47791Retail sale of antiques
82990Other business support services
85591
85592Vocational training
E-invoicing
Reachable via Peppol
Peppol ID
0208:0462596463
Also
9925:BE0462596463
Registered
01-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.