Debts
Debts rose by €178,949 in 2025.
Debts rose by €178,949 in 2025.
Green is investment, beige is depreciation.
The dashed line is the sector median: 0.6% across 40,280 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 32% of them on solvency, 43% on liquidity, 59% on profitability and 81% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 896 companies had the same profile as BE MOBILITY has now. Each dot stands for 3 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BE MOBILITY itself is higher: 1.7% within 12 months. It rests on far more data about BE MOBILITY than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 896 companies, not a prediction for BE MOBILITY. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.25 (1.04 in 2024), below the usual 1.5. Short-term debt is 60.3% and cash 20.4% of total assets. 83.6% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 2 accounts on average 52 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| BE MOBILITY Overijse | €459,036 | €110,054 | 16.4% | - |
| GEN AUTO Sint-Genesius-Rode | €453,588 | €86,492 | 22.5% | - |
| FINCA Alken | €468,264 | €94,407 | 45.0% | - |
| TR-CARS Merelbeke-Melle | €388,352 | €113,543 | 33.5% | - |
| Lion Motors Ingelmunster | €459,790 | €139,509 | 5.6% | - |
| SCHOKKAERT MOBILITY SOLUTIONS Ninove | €390,608 | €97,044 | 40.7% | - |
| ICON Sint-Gillis-Waas | €517,790 | €126,256 | 9.1% | - |
These companies have the same main activity as BE MOBILITY: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €388,000 and €518,000, founded in 2023.
The computed 12-month bankruptcy probability of BE MOBILITY is 1.7% (moderate). The 2025 annual accounts show equity of €75,067 and a net result of €18,932.
Its solvency ranks better than 35% of 22,859 sector peers (NACE 47, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €640,000. Estimated: probably between €390,000 and €1.5m.
Higher than 35% of 22,859 companies in 2025.
Higher than 42% of 21,993 companies in 2025.
Higher than 51% of 22,143 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: top quarter · Working capital: middle half
| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
459,036 | 261,156 | |
20 |
553 | 772 | |
21/28 |
113,155 | 98,901 | |
21 |
17,778 | 20,445 | |
22/27 |
94,637 | 77,716 | |
23 |
362 | 595 | |
24 |
12,508 | 11,043 | |
26 |
81,767 | 66,078 | |
28 |
740 | 740 | |
29/58 |
345,328 | 161,484 | |
29 |
100,000 | 100,000 | |
290 |
100,000 | 100,000 | |
40/41 |
151,839 | 14,943 | |
41 |
151,839 | 14,943 | |
54/58 |
93,490 | 45,977 | |
490/1 |
- | 563 | |
| Balance sheet: equity and liabilities | |||
10/49 |
459,036 | 261,156 | |
10/15 |
75,067 | 56,136 | |
10/11 |
3,000 | 3,000 | |
14 |
72,067 | 53,136 | |
16 |
50,000 | 50,000 | |
160/5 |
50,000 | 50,000 | |
163 |
50,000 | 50,000 | |
17/49 |
333,969 | 155,021 | |
17 |
57,173 | - | |
170/4 |
57,173 | - | |
42/48 |
276,797 | 155,021 | |
42 |
12,827 | - | |
44 |
75,163 | 28,290 | |
440/4 |
75,163 | 28,290 | |
45 |
54,434 | 50,466 | |
450/3 |
47,939 | 47,167 | |
454/9 |
6,495 | 3,299 | |
47/48 |
134,372 | 76,265 | |
| Income statement | |||
9900 |
110,054 | 179,290 | |
62 |
50,674 | 38,434 | |
630 |
15,791 | 14,262 | |
635/8 |
- | 50,000 | |
640/8 |
23,267 | 10,601 | |
9901 |
20,321 | 65,993 | |
75/76B |
8,467 | 6,812 | |
75 |
8,467 | 6,812 | |
65/66B |
2,738 | 2,038 | |
65 |
2,738 | 2,038 | |
9903 |
26,050 | 70,767 | |
67/77 |
7,118 | 17,631 | |
9904 |
18,932 | 53,136 | |
9905 |
18,932 | 53,136 | |
| Appropriation of the result | |||
9906 |
72,067 | 53,136 | |
14P |
53,136 | - | |
| Document | |||
The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-09-2026.
| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 36,113 | 80,255 | ||
| 34,723 | 67,397 | ||
| 29,827 | 112,839 | ||
| 47,513 | - | ||
| 68,532 | 6,463 | ||
| 16.4% | 21.5% | ||
| 1.25 | 1.04 | ||
| 4.45 | 2.76 | ||
| 25.2% | 94.7% | ||
| 4.1% | 20.3% | ||
| 13.19 | 39.38 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €29,827 | €88,099 |
| Intangible fixed assets | - | €24,000 |
| Financial fixed assets | - | €740 |
| €15,791 | €14,262 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 69% lower than in 2024.
Debt's share of the balance-sheet total rises from 59.4% to 72.8%. Equity and debt are higher.
BE MOBILITY has no parent and no holdings in its annual accounts. BEMELMANS Jean-Michel Evelyne Jean-Pierre is the only director.
| NORIM
registered office since 04-07-2022 · founded in 2022 |
turnover €1.1m (2025) 0788.183.101 |
| ISTMAN CONSTRUCTION
registered office since 25-04-2023 · founded in 2023 · accounts filed late |
turnover €856,807 (2024) 0801.141.014 |
| DECO-PRO
registered office since 01-06-2025 · founded in 2014 · accounts filed late |
turnover €635,920 (2024) 0567.823.350 |
| MANDO
registered office since 29-07-2022 · founded in 2022 |
total assets €634,884 (2025) 0789.239.510 |
| HVAC Performance
registered office since 25-10-2022 · founded in 2022 |
total assets €623,019 (2025) 0792.862.063 |
| CORDEIRO CONSTRUCT
registered office since 02-06-2020 · founded in 2020 |
total assets €620,151 (2024) 0747.794.279 |
| Beprosoft Venture
establishment since 01-06-2022 · founded in 2017 · accounts filed late |
total assets €608,433 (2024) 0675.566.990 |
| MAT HOME CONSTRUCT
registered office since 09-11-2022 · founded in 2022 |
total assets €558,765 (2025) 0793.454.951 |
| SANDEF
registered office since 23-08-2022 · founded in 2022 |
turnover €362,314 (2025) 0789.882.975 |
| MODOCAR
registered office since 14-12-2024 · founded in 2024 |
total assets €465,537 (2025) 1017.397.267 |
The connected companies are in the list below.
Deadline for the 2026 accounts: 31-07-2027
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
BE MOBILITY was incorporated on 12 July 2023 as a private limited company by one natural person, with a starting capital of €3,000.12 BEMELMANS Jean-Michel Evelyne Jean-Pierre is director of the company, appointed by deed of 14-07-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
| Establishment | Since | Unit number |
|---|---|---|
| Brusselsesteenweg 292 registered office 3090 Overijse | ||
| Rue du Sewage 3 4100 Seraing | 12-07-2023 | 2.348.295.863 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23062B0376/02D005 | 1,934 m² | 1 · 198 m² | 6.6 m · 1 |
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