BEBOMAT
ActiveSummary
BEBOMAT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €741,345 and a net result of €6,173. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 5113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
What they do
Wholesale of construction materials, general range
NACE 46831NACE 46731NACE 51532
1 site
How big
€1.6mtotal assets 2025
- Staff
- 5 FTE
- Equity
- €741,345
- Profit
- €6,173
Who decides
Accounts 2 d early0 of 5 deeds read
Why 68- Higher-failure-rate sector+ Long track record+ Annual accounts: healthy financial profile+ Lower-risk legal formLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability69▲+52
Solvency71▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 1.89 against 1.84 in 2024; short-term debt: 52.9% and cash: 5.1% of total assets), but 53.6% 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
Five 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
46.4%
Return on assets
0.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
14 d early
2022
1 d early
2021
6 d early
2020
8 d early
2019
21 d late
← 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 2 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 29 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Back to profitnet €6,173
- Annual accounts filedfiscal year 2024 · abbreviated…
Financials
Fiscal year 2025Total assets €1.6mProfit €6,173Solvency 46.4%Liquidity 1.89
Turnover
€3.6m
2024
Net result
€6,173
2018 - 2025
Equity
€741,345▼ 3.0%
2018 - 2025
Staff (FTE)
5=
2018 - 2025
Financials · fiscal year 2025, full schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€3.6m
Operating result€0.1m▲ 392%€0.1m▼ 16.7%€0.03m▼ 63.7%-€0.06m-€0.006m▲ 89.7%
Net result€0.09mwithin the sector's middle half▲ 271%€0.06mwithin the sector's middle half▼ 33.1%€0.01mwithin the sector's middle half▼ 76.2%-€0.05mbelow the sector's middle half€0.006mwithin the sector's middle half
EBIT margin-1.5%
Equity€0.7mwithin the sector's middle half▲ 14.2%€0.8mwithin the sector's middle half▲ 8.1%€0.8mwithin the sector's middle half▲ 1.8%€0.8mwithin the sector's middle half▼ 5.8%€0.7mwithin the sector's middle half▼ 3.0%
Total assets€1.7mwithin the sector's middle half▼ 2.8%€1.8mwithin the sector's middle half▲ 7.9%€1.6mwithin the sector's middle half▼ 9.4%€1.6mwithin the sector's middle half▼ 0.4%€1.6mwithin the sector's middle half▼ 1.9%
Debt€0.9m▼ 13.0%€1.0m▲ 8.0%€0.8m▼ 18.1%€0.9m▲ 5.2%€0.9m▼ 0.9%
Working capital€0.6mwithin the sector's middle half▲ 13.6%€0.7mwithin the sector's middle half▲ 9.4%€0.7mwithin the sector's middle half▲ 10.5%€0.7mwithin the sector's middle half▼ 2.1%€0.8mwithin the sector's middle half▲ 3.6%
Solvency44.1%within the sector's middle half▲ 6.6pp44.2%within the sector's middle half▲ 0.1pp49.6%within the sector's middle half▲ 5.5pp46.9%within the sector's middle half▼ 2.7pp46.4%within the sector's middle half▼ 0.5pp
Current ratio1.71within the sector's middle half▲ 0.141.67within the sector's middle half▼ 0.031.92within the sector's middle half▲ 0.251.84within the sector's middle half▼ 0.081.89within the sector's middle half▲ 0.05
Return on assets (ROA)5.5%within the sector's middle half▲ 4.1pp3.4%within the sector's middle half▼ 2.1pp0.9%within the sector's middle half▼ 2.5pp-2.9%below the sector's middle half▼ 3.8pp0.4%within the sector's middle half▲ 3.3pp
Staff (FTE)6within the sector's middle half=6within the sector's middle half=4.7within the sector's middle half▼ 21.7%5within the sector's middle half▲ 6.4%5within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5,757 in 2025 against €56,069 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€1,816 ▼ 95.3%
Current assets
€1.6m ▲ 0.4%
Equity and liabilities €1.6m
Equity
€741,345 ▼ 3.0%
Debt
€857,923 ▼ 0.9%
Debt's share of the balance-sheet total rises from 53.1% to 53.6%. Equity and debt are lower.
Key figures and ratios
Key figures and ratios
EBITDA
€29,835▲
2024 · -€4,725
Cash flow
€41,765▲
2024 · €3,975
Quick ratio
1.04▲
2024 · 1.02
Debt to equity
1.16▲
2024 · 1.13
ROE
0.8%▲
2024 · -6.2%
Interest coverage
6.15▲
2024 · -0.83
Debt ≤ 1 year
€845,914▼
2024 · €865,548
Debt > 1 year
€12,009
Income taxes
€954▼
2024 · €3,013
Staff costs
€370,927▲
2024 · €349,252
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% 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 497,341 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% | 1.8% |
| 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 17,040 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €3.6m | - | - |
| Non-recurring operating income76A | €0.02m | €0.001m | €52 | €0.004m | €0.005m | ▲ 28.8% |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €3.3m | - | - |
| Remuneration, social security and pensions62 | €0.3m | €0.4m | €0.3m | €0.3m | €0.4m | ▲ 6.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.06m | €0.05m | €0.05m | €0.05m | €0.04m | ▼ 30.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €0.006m | €0.04m | €0.008m | €0.02m | €0.02m | ▲ 10.0% |
| Other operating charges640/8 | €0.005m | €0.006m | €0.007m | €0.02m | €0.02m | ▲ 11.6% |
| Non-recurring operating charges66A | €200 | - | €0.003m | €250 | €100 | ▼ 60.0% |
| Gross operating margin9900 | €0.5m | €0.6m | €0.4m | €0.4m | €0.4m | ▲ 15.8% |
| Operating profit (loss)9901 | €0.1m | €0.1m | €0.03m | -€0.06m | -€0.006m | ▲ 89.7% |
| Financial income75/76B | €0.01m | €0.01m | €0.01m | €0.02m | €0.02m | ▲ 11.6% |
| Recurring financial income75 | €0.01m | €0.01m | €0.01m | €0.02m | €0.02m | ▲ 11.6% |
| Non-recurring financial income76B | - | €300 | - | - | - | - |
| Financial charges65/66B | €0.02m | €0.02m | €0.02m | €0.006m | €0.005m | ▼ 14.6% |
| Recurring financial charges65 | €0.02m | €0.02m | €0.02m | €0.006m | €0.005m | ▼ 14.6% |
| Profit (loss) for the period before taxes9903 | €0.1m | €0.09m | €0.03m | -€0.05m | €0.007m | ▲ 116% |
| Transfer from deferred taxes780 | €0.002m | €0.002m | €0.002m | €0.002m | €0 | ▼ 100% |
| Income taxes67/77 | €0.02m | €0.03m | €0.01m | €0.003m | €0.001m | ▼ 68.3% |
| Profit (loss) for the period9904 | €0.09m | €0.06m | €0.01m | -€0.05m | €0.006m | ▲ 113% |
| Transfer from tax-exempt reserves789 | €0.04m | €0.005m | €0.005m | €0.005m | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €0.1m | €0.07m | €0.02m | -€0.04m | €0.006m | ▲ 114% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.7m | €1.8m | €1.6m | €1.6m | €1.6m | ▼ 1.9% |
| Fixed assets21/28 | €0.2m | €0.1m | €0.09m | €0.04m | €0.002m | ▼ 95.3% |
| Tangible fixed assets22/27 | €0.2m | €0.1m | €0.09m | €0.04m | €0.002m | ▼ 95.3% |
| Plant, machinery and equipment23 | €0.005m | €0.004m | €0.003m | €0.002m | €0.001m | ▼ 35.4% |
| Furniture and vehicles24 | €0.2m | €0.1m | €0.09m | €0.04m | €0.001m | ▼ 98.4% |
| Financial fixed assets28 | €0.001m | €0.001m | - | - | - | - |
| Current assets29/58 | €1.5m | €1.7m | €1.5m | €1.6m | €1.6m | ▲ 0.4% |
| Stocks and contracts in progress3 | €0.6m | €0.7m | €0.7m | €0.7m | €0.7m | ▲ 1.3% |
| Stocks30/36 | €0.6m | €0.7m | €0.7m | €0.7m | €0.7m | ▲ 1.3% |
| Amounts receivable within one year40/41 | €0.8m | €0.9m | €0.8m | €0.8m | €0.8m | ▼ 3.6% |
| Trade receivables40 | €0.7m | €0.9m | €0.7m | €0.7m | €0.6m | ▼ 14.4% |
| Other amounts receivable41 | €0.09m | €0.02m | €0.01m | €0.1m | €0.2m | ▲ 53.1% |
| Cash at bank and in hand54/58 | €0.09m | €0.06m | €0.05m | €0.06m | €0.08m | ▲ 34.1% |
| Deferred charges and accrued income490/1 | €0.01m | €0.02m | €0.02m | €0.02m | €0.03m | ▲ 25.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.7m | €1.8m | €1.6m | €1.6m | €1.6m | ▼ 1.9% |
| Equity10/15 | €0.7m | €0.8m | €0.8m | €0.8m | €0.7m | ▼ 3.0% |
| Contributions10/11 | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Capital10 | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Issued capital100 | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Reserves13 | €0.7m | €0.7m | €0.7m | €0.7m | €0.7m | ▼ 3.3% |
| Non-distributable reserves130/1 | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Legal reserve130 | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Tax-exempt reserves132 | €0.01m | €0.009m | €0.005m | €0 | - | - |
| Distributable reserves133 | €0.7m | €0.7m | €0.7m | €0.7m | €0.7m | ▼ 3.3% |
| Profit (loss) carried forward14 | €0.005m | €0.005m | €0.005m | €0 | €0 | - |
| Provisions and deferred taxes16 | €0.005m | €0.003m | €0.002m | €0 | - | - |
| Deferred taxes168 | €0.005m | €0.003m | €0.002m | €0 | - | - |
| Amounts payable17/49 | €0.9m | €1.0m | €0.8m | €0.9m | €0.9m | ▼ 0.9% |
| Amounts payable after more than one year17 | €0.05m | - | - | - | €0.01m | - |
| Financial debts170/4 | €0.05m | - | - | - | €0.01m | - |
| Amounts payable within one year42/48 | €0.9m | €1.0m | €0.8m | €0.9m | €0.8m | ▼ 2.3% |
| Current portion of amounts payable after more than one year42 | €0.07m | €0.05m | - | €0.01m | €0.02m | ▲ 79.7% |
| Financial debts43 | - | - | €0.02m | - | - | - |
| Credit institutions430/8 | - | - | €0.02m | - | - | - |
| Trade debts44 | €0.5m | €0.7m | €0.5m | €0.5m | €0.5m | ▼ 2.3% |
| Suppliers440/4 | €0.5m | €0.7m | €0.5m | €0.5m | €0.5m | ▼ 2.3% |
| Taxes, remuneration and social security45 | €0.07m | €0.1m | €0.09m | €0.07m | €0.07m | ▲ 0.1% |
| Taxes450/3 | €0.07m | €0.1m | €0.08m | €0.06m | €0.06m | ▼ 0.4% |
| Remuneration and social security454/9 | €0.006m | €0.008m | €0.008m | €0.008m | €0.008m | ▲ 4.1% |
| Other amounts payable47/48 | €0.3m | €0.2m | €0.2m | €0.3m | €0.2m | ▼ 6.8% |
| Accrued charges and deferred income492/3 | €0.01m | €0.01m | €0.02m | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €91,797 | €61,387 | €14,615 | -€47,369 | €6,173 | ▲ 113% |
| + Depreciation and write-downs630 | €64,080 | €50,764 | €51,333 | €51,344 | €35,592 | ▼ 30.7% |
| Operating cash flow (approximation) | €155,877 | €112,151 | €65,948 | €3,975 | €41,765 | ▲ 951% |
| Investment in fixed assets (approximation) | - | €0 | -€1,200 | €0 | €1,160 | - |
| Change in cash | - | -€29,473 | -€14,308 | €13,286 | €20,618 | ▲ 55.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
MACC BENELUX
BE 0462.930.520
Kampenhout · Eq €741,844
Charles RAXHON & fille
BE 0866.176.049
Ans · Eq €739,938
HALFEN
BE 0401.906.236
Schoten · Eq €739,306
G.V. PRODUCTS
BE 0463.885.276
Riemst · Eq €738,470
Etablissements DEGHILLAGE J-L ET FILS
BE 0432.584.564
Quaregnon · Eq €746,104
Of 1,804 companies in this sector we hold annual accounts for 1,399. 1,025 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
13 eventsLatest 29-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €6,173
Net result €6,173 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €91,797 ▲271%
Operating result €114,571, net result €91,797, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €24,711
Net result €24,711 after 2 loss-making years.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 21 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 6 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
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 5 acts read
About the unread acts
We know of 5 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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Support & recognitions
1 funding sourceFlanders €728
Flemish government
€728
awarded · 2022 - 2024
Subsidies and aid
Flemish government
2022 to 2024 · 3 entries · €728 awarded · €728 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | €129 | €129 |
| 2023 | 1 | €360 | €360 |
| 2022 | 1 | €239 | €239 |
Company details
Public limited company · founded 14-02-2003Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPublic limited company
Founded14-02-2003
Fiscal year end31-12
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479556023
Also
9925:BE0479556023
Registered
10-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Kuurne · 1 establishment unit since 2003
Ground area
2.1 ha
Building footprint
9,432 m²
Volume, LiDAR
56,833 m³
Parcel 34023B0132/00L003, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Brugsesteenweg 475, 8520 Kuurne
since 2003unit no. 2.126.877.824
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023B0132/00L003 | Flanders | 2.1 ha | 1 · 9,431 m² | 8.9 m · 2 fl. |
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.
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?Subsidies How does this company compare with its sector?Sector benchmark
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