BE MY
ActiveSummary
BE MY has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €481,391 and a net result of €44,326. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 2604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability48▲+18
Solvency56▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 2.14 against 2.1 in 2024; short-term debt: 37.4% and cash: 0.3% of total assets), but 69.3% of the assets are financed with debt.
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Signals
Six 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
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
30.7%
Return on assets
2.8%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €481,391
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
59 d late
2023
58 d late
2022
30 d late
2021
46 d early
2020
31 d late
2019
29 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 19 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€481,391▲ 10.1%
2024 · €437,065
Total assets
€1.6m▼ 0.9%
2024 · €1.6m
Net result
€44,326▲ 931%
2024 · €4,298
Working capital
€668,687▲ 3.1%
2024 · €648,595
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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€10,883-€3,795-€31,709▼ 736%€7,936€41,162▲ 419%
Net result€7,698within the sector's middle half-€6,918below the sector's middle half€437,099above the sector's middle half€4,298within the sector's middle half▼ 99.0%€44,326above the sector's middle half▲ 931%
Equity€2,586below the sector's middle half-€4,332below the sector's middle half€432,768above the sector's middle half€437,065above the sector's middle half▲ 1.0%€481,391above the sector's middle half▲ 10.1%
Total assets€778,098above the sector's middle half▼ 9.2%€1.7mabove the sector's middle half▲ 113%€1.7mabove the sector's middle half▲ 1.0%€1.6mabove the sector's middle half▼ 5.5%€1.6mabove the sector's middle half▼ 0.9%
Debt€775,512▼ 10.1%€1.7m▲ 114%€1.2m▼ 25.3%€1.1m▼ 7.8%€1.1m▼ 5.1%
Working capital€186,886above the sector's middle half▼ 2.9%€797,922above the sector's middle half▲ 327%€879,967above the sector's middle half▲ 10.3%€648,595above the sector's middle half▼ 26.3%€668,687above the sector's middle half▲ 3.1%
Solvency0.3%below the sector's middle half▲ 0.9pp-0.3%below the sector's middle half▼ 0.6pp25.9%within the sector's middle half▲ 26.1pp27.6%within the sector's middle half▲ 1.8pp30.7%within the sector's middle half▲ 3.1pp
Current ratio1.44within the sector's middle half▲ 0.052.45within the sector's middle half▲ 1.013.02above the sector's middle half▲ 0.572.10within the sector's middle half▼ 0.912.14within the sector's middle half▲ 0.04
Return on assets (ROA)1.0%within the sector's middle half▲ 5.5pp-0.4%within the sector's middle half▼ 1.4pp26.1%above the sector's middle half▲ 26.5pp0.3%within the sector's middle half▼ 25.8pp2.8%within the sector's middle half▲ 2.6pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 419% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€312,103 ▼ 9.2%
Current assets
€1.3m ▲ 1.4%
Equity and liabilities €1.6m
Equity
€481,391 ▲ 10.1%
Debt
€1.1m ▼ 5.1%
Debt's share of the balance-sheet total falls from 72.4% to 69.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66,606▲
2024 · €33,843
Cash flow
€69,770▲
2024 · €30,205
Quick ratio
1.24▼
2024 · 1.26
Debt to equity
2.26▼
2024 · 2.62
ROE
9.2%▲
2024 · 1.0%
Interest coverage
3.14▲
2024 · 1.33
Debt ≤ 1 year
€586,483▼
2024 · €588,846
Debt > 1 year
€478,493▼
2024 · €552,609
Income taxes
€176▼
2024 · €188
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 14,732 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €5,786 | €2,553 | ▼ 55.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,107 | €28,007 | €12,864 | €25,907 | €25,444 | ▼ 1.8% |
| Other operating charges640/8 | €4,493 | €4,923 | €7,395 | €2,288 | €3,511 | ▲ 53.4% |
| Non-recurring operating charges66A | - | €416 | - | €6,457 | €1,605 | ▼ 75.1% |
| Gross operating margin9900 | €44,482 | €29,551 | -€11,450 | €42,589 | €71,722 | ▲ 68.4% |
| Operating profit (loss)9901 | €10,883 | -€3,795 | -€31,709 | €7,936 | €41,162 | ▲ 419% |
| Financial income75/76B | - | - | €482,490 | €21,973 | €24,527 | ▲ 11.6% |
| Recurring financial income75 | - | - | €482,490 | €21,973 | €24,527 | ▲ 11.6% |
| Financial charges65/66B | €3,108 | €2,929 | €13,348 | €25,423 | €21,187 | ▼ 16.7% |
| Recurring financial charges65 | €3,108 | €2,929 | €13,348 | €25,423 | €21,187 | ▼ 16.7% |
| Profit (loss) for the period before taxes9903 | €7,775 | -€6,723 | €437,432 | €4,486 | €44,502 | ▲ 892% |
| Income taxes67/77 | €77 | €195 | €333 | €188 | €176 | ▼ 6.4% |
| Profit (loss) for the period9904 | €7,698 | -€6,918 | €437,099 | €4,298 | €44,326 | ▲ 931% |
| Profit (loss) for the period to be appropriated9905 | €7,698 | -€6,918 | €437,099 | €4,298 | €44,326 | ▲ 931% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €778,098 | €1.7m | €1.7m | €1.6m | €1.6m | ▼ 0.9% |
| Fixed assets21/28 | €165,700 | €307,747 | €357,053 | €343,581 | €312,103 | ▼ 9.2% |
| Intangible fixed assets21 | - | - | €4,307 | €3,307 | €2,307 | ▼ 30.2% |
| Tangible fixed assets22/27 | €59,650 | €35,247 | €105,747 | €83,274 | €62,796 | ▼ 24.6% |
| Land and buildings22 | €28,072 | €7,432 | €6,067 | - | - | - |
| Plant, machinery and equipment23 | €7,915 | €5,544 | €3,640 | €8,394 | €5,579 | ▼ 33.5% |
| Furniture and vehicles24 | €23,663 | €22,271 | €96,039 | €74,880 | €57,218 | ▼ 23.6% |
| Financial fixed assets28 | €106,050 | €272,500 | €247,000 | €257,000 | €247,000 | ▼ 3.9% |
| Current assets29/58 | €612,398 | €1.3m | €1.3m | €1.2m | €1.3m | ▲ 1.4% |
| Stocks and contracts in progress3 | €290,442 | €440,665 | €778,642 | €496,042 | €529,426 | ▲ 6.7% |
| Stocks30/36 | €290,442 | €440,665 | €778,642 | €496,042 | €529,426 | ▲ 6.7% |
| Amounts receivable within one year40/41 | €293,818 | €686,431 | €506,152 | €724,362 | €709,015 | ▼ 2.1% |
| Trade receivables40 | €78,419 | €263,098 | €30,506 | €78,186 | €74,154 | ▼ 5.2% |
| Other amounts receivable41 | €215,399 | €423,332 | €475,646 | €646,176 | €634,861 | ▼ 1.8% |
| Cash at bank and in hand54/58 | €24,195 | €218,312 | €28,475 | €1,892 | €4,989 | ▲ 164% |
| Deferred charges and accrued income490/1 | €3,943 | €4,235 | €3,284 | €15,145 | €11,740 | ▼ 22.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €778,098 | €1.7m | €1.7m | €1.6m | €1.6m | ▼ 0.9% |
| Equity10/15 | €2,586 | -€4,332 | €432,768 | €437,065 | €481,391 | ▲ 10.1% |
| Contributions10/11 | €40,902 | €40,902 | €40,902 | €40,902 | €40,902 | = |
| Outside capital11 | - | - | €40,902 | - | - | - |
| Share premium1100/10 | - | - | €40,902 | - | - | - |
| Profit (loss) carried forward14 | -€38,316 | -€45,234 | €391,865 | €396,163 | €440,489 | ▲ 11.2% |
| Amounts payable17/49 | €775,512 | €1.7m | €1.2m | €1.1m | €1.1m | ▼ 5.1% |
| Amounts payable after more than one year17 | €350,000 | €1.1m | €804,252 | €552,609 | €478,493 | ▼ 13.4% |
| Financial debts170/4 | - | - | €54,252 | €35,823 | €16,619 | ▼ 53.6% |
| Other amounts payable178/9 | €350,000 | €1.1m | €750,000 | €516,786 | €461,874 | ▼ 10.6% |
| Amounts payable within one year42/48 | €425,512 | €551,721 | €436,586 | €588,846 | €586,483 | ▼ 0.4% |
| Current portion of amounts payable after more than one year42 | - | - | €17,685 | €18,429 | €19,204 | ▲ 4.2% |
| Financial debts43 | - | €75,000 | €150,000 | €500,000 | €500,000 | = |
| Credit institutions430/8 | - | €75,000 | €150,000 | €500,000 | €500,000 | = |
| Trade debts44 | €71,355 | €97,851 | €227,408 | €48,759 | €62,437 | ▲ 28.1% |
| Suppliers440/4 | €71,355 | €97,851 | €227,408 | €48,759 | €62,437 | ▲ 28.1% |
| Advances received on contracts in progress46 | €9,500 | - | €3,490 | €3,550 | - | - |
| Taxes, remuneration and social security45 | €22,880 | €29,945 | €528 | €473 | €316 | ▼ 33.2% |
| Taxes450/3 | €22,880 | €29,945 | €528 | €473 | €316 | ▼ 33.2% |
| Other amounts payable47/48 | €321,776 | €348,925 | €37,475 | €17,635 | €4,527 | ▼ 74.3% |
| Accrued charges and deferred income492/3 | - | - | - | €2,501 | €20,906 | ▲ 736% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,698 | -€6,918 | €437,099 | €4,298 | €44,326 | ▲ 931% |
| + Depreciation and write-downs630 | €29,107 | €28,007 | €12,864 | €25,907 | €25,444 | ▼ 1.8% |
| Operating cash flow (approximation) | €36,805 | €21,089 | €449,964 | €30,205 | €69,770 | ▲ 131% |
| Investment in fixed assets (approximation) | - | -€170,054 | -€62,171 | -€12,434 | €6,033 | ▲ 149% |
| Change in cash | - | €194,117 | -€189,837 | -€26,582 | €3,097 | ▲ 112% |
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Back to profitnet €437,099
Net result €437,099 after one loss-making year.
31-12
Financial
Equity above €200,000Eq €432,768
Equity rises from -€4,332 to €432,768.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €7,698
Net result €7,698 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€38,781
Net result drops to -€38,781, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Huy · 1 establishment unit since 1994
Ground area
4,169 m²
Building footprint
263 m²
Volume, LiDAR
739 m³
2 parcels, Wallonia · tallest building 5.8 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BE MY
since 19942.064.996.376
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61007C0596/00R000 | Wallonia | 2,856 m² | 1 · 164 m² | 5.8 m · 2 fl. |
| 61007C0598/00X000 | Wallonia | 1,313 m² | 1 · 99 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
87%
-
49%
According to the 2025 annual accounts of BE MY and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 7,377 companies in sector 95311 we hold annual accounts for 2,962. 2,083 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
Founded29-10-1993
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46720Wholesale of motor vehicle parts and accessories
77110Renting and leasing of cars and light motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0451302495
Also
9925:BE0451302495
Registered
19-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.