BE2M-Concept
ActiveBE2M-Concept has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €11k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 51% of 13935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+6
Solvency56▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.25 against 0.21 in 2024; short-term debt: 33.2% and cash: 0.4% of total assets), and 68.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
31.2%
Return on assets
3.5%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
29 d early
2023
28 d early
2022
17 d early
2021
27 d early
2020
36 d early
2019
9 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 12.5%
2024 · €89k
2018: €31k
2019: €36k
2020: €46k
2021: €56k
2022: €70k
2023: €81k
2024: €89k
2018 → 2025
Total assets
€321k▼ 1.8%
2024 · €327k
2018: €302k
2019: €411k
2020: €375k
2021: €366k
2022: €361k
2023: €346k
2024: €327k
2018 → 2025
Net result
€11k▲ 39.8%
2024 · €8k
2018: €-686
2019: €4k
2020: €10k
2021: €10k
2022: €15k
2023: €10k
2024: €8k
2018 → 2025
Working capital
€-80k▼ 2.6%
2024 · €-78k
2018: €-49k
2019: €-78k
2020: €-81k
2021: €-81k
2022: €-77k
2023: €-76k
2024: €-78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€70k▲ 26.8%€81k▲ 14.9%€89k▲ 9.8%€100k▲ 12.5%
Operating result€22k-€29k▲ 34.7%€25k▼ 13.8%€25k▼ 0.3%€28k▲ 12.3%
Net result€10k-€15k▲ 47.7%€10k▼ 29.5%€8k▼ 23.9%€11k▲ 39.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €321k
Fixed assets
€294k▼ 3.9%
Current assets
€27k▲ 28.8%
Equity and liabilities €321k
Equity
€100k▲ 12.5%
Debt
€221k▼ 7.1%
The debt ratio falls from 72.8% to 68.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▲
2024 · €37k
Cash flow
€23k▲
2024 · €20k
Solvency
31.2%▲
2024 · 27.2%
Current ratio
0.25▲
2024 · 0.21
Quick ratio
0.25▲
2024 · 0.21
Debt / equity
2.21▼
2024 · 2.68
ROE
11.1%▲
2024 · 9.0%
ROA
3.5%▲
2024 · 2.4%
Interest coverage
3.38▲
2024 · 2.76
Debt
€221k▼
2024 · €238k
Debt ≤ 1 year
€107k▲
2024 · €99k
Debt > 1 year
€109k▼
2024 · €133k
Income taxes
€5k▲
2024 · €4k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€327k€321k▼
Fixed assets21/28€306k€294k▼
Tangible fixed assets22/27€306k€294k▼
Land and buildings22€306k€294k▼
Current assets29/58€21k€27k▲
Amounts receivable within one year40/41€19k€26k▲
Trade receivables40€7k€7k▲
Other amounts receivable41€13k€19k▲
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€95€98▲
Equity and liabilities
Total equity and liabilities10/49€327k€321k▼
Equity10/15€89k€100k▲
Contributions10/11€20k€20k=
Reserves13€65k€76k▲
Distributable reserves133€65k€76k▲
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€238k€221k▼
Amounts payable after more than one year17€133k€109k▼
Financial debts170/4€133k€109k▼
Amounts payable within one year42/48€99k€107k▲
Current portion of amounts payable after more than one year42€24k€25k▲
Trade debts44€0€1k▲
Suppliers440/4€0€1k▲
Taxes, remuneration and social security45€161€3k▲
Taxes450/3€161€3k▲
Other amounts payable47/48€75k€79k▲
Accrued charges and deferred income492/3€6k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€4k€5k▲
Gross operating margin9900€41k€45k▲
Operating profit (loss)9901€25k€28k▲
Financial income75/76B€9€0▼
Recurring financial income75€9€0▼
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€12k€16k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€8k€11k▲
Profit (loss) for the period to be appropriated9905€8k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€15k▲
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer to equity691/2€8k€11k▲
To other reserves6921€8k€11k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €100k ▲12.5%
7 profitable years in a row build equity to €100k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €15k ▲47.7%
Operating result €29k, net result €15k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Namur · 1 establishment unit since 2013
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 Pavée(EP) 75101 NamurGround area
1,191 m²
Building footprint
466 m²
Volume, LiDAR
4,155 m³
Parcel 92039A0103/00Z000, Wallonia · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Pavée(EP) 7, 5101 Namur
since 20132.222.660.572
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039A0103/00Z000 | Wallonia | 1,191 m² | 1 · 466 m² | 12.4 m · 3 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.
Similar companies · same sector, comparable size
LHL Invest
BE 0536.577.769
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BVO Immo
BE 0649.490.917
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HJ Pro Invest
BE 0770.315.897
Berlare · Eq €100k
Steeno - Vrancx
BE 0675.720.212
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IMMO DYCK
BE 0472.015.064
Antwerpen · Eq €100k
Of 12,012 companies in sector 68203 we hold annual accounts for 5,979. 3,777 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2013
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:denis.mennig@hotmail.com
Phone:0478/27.16.03