Belmia
ActiveSummary
Belmia has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €26k. Equity is growing by ~27.6% per year across the filed fiscal years. Its solvency ranks better than 36% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency68▼-20
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 2.49 in 2024; short-term debt: 56.5% of total assets), and 56.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
43.4%
Return on assets
26.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
4 d early
2023
8 d early
2022
5 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▼ 4.3%
2024 · €45k
2022: €-3k
2023: €38k
2024: €45k
2022 → 2025
Total assets
€98k▲ 39.2%
2024 · €71k
2022: €3k
2023: €69k
2024: €71k
2022 → 2025
Net result
€26k▲ 53.8%
2024 · €17k
2022: €-10k
2023: €41k
2024: €17k
2022 → 2025
Working capital
€26k▼ 33.3%
2024 · €39k
2022: €-4k
2023: €32k
2024: €39k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-3k-€38k€45k▲ 18.5%€43k▼ 4.3%
Operating result€-10k-€50k€21k▼ 57.2%€33k▲ 56.6%
Net result€-10k-€41k€17k▼ 58.3%€26k▲ 53.8%
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 57% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€17k ▲ 192%
Current assets
€81k ▲ 25.5%
Equity and liabilities €98k
Equity
€43k ▼ 4.3%
Debt
€56k ▲ 113%
Debt's share of the balance-sheet total rises from 36.9% to 56.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €23k
Cash flow
€31k▲
2024 · €19k
Current ratio
1.47▼
2024 · 2.49
Debt to equity
1.31▲
2024 · 0.59
ROE
61.2%▲
2024 · 38.0%
ROA
26.5%▲
2024 · 24.0%
Interest coverage
28.37▼
2024 · 76.98
Debt ≤ 1 year
€56k▲
2024 · €26k
Income taxes
€9k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€71k€98k▲
Fixed assets21/28€6k€17k▲
Tangible fixed assets22/27€6k€17k▲
Furniture and vehicles24€6k€17k▲
Current assets29/58€65k€81k▲
Amounts receivable within one year40/41€60k€77k▲
Trade receivables40€32k€29k▼
Other amounts receivable41€28k€48k▲
Cash at bank and in hand54/58€565-
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€71k€98k▲
Equity10/15€45k€43k▼
Contributions10/11€7k€7k=
Reserves13€38k€36k▼
Distributable reserves133€38k€36k▼
Amounts payable17/49€26k€56k▲
Amounts payable within one year42/48€26k€56k▲
Financial debts43€239€6k▲
Credit institutions430/8€239€6k▲
Trade debts44€740€228▼
Suppliers440/4€740€228▼
Taxes, remuneration and social security45€15k€21k▲
Taxes450/3€15k€21k▲
Other amounts payable47/48€10k€28k▲
Accrued charges and deferred income492/3-€126
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€700€809▲
Gross operating margin9900€24k€39k▲
Operating profit (loss)9901€21k€33k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€303€1k▲
Recurring financial charges65€303€1k▲
Profit (loss) for the period before taxes9903€22k€35k▲
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€17k€26k▲
Profit (loss) for the period to be appropriated9905€17k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€26k▲
Transfer from equity791/2-€2k
Transfer to equity691/2€7k-
To other reserves6921€7k-
Profit to be distributed694/7€10k€28k▲
Return on contributions (dividend)694€10k€28k▲
The notes to these accounts (6 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
30-09
Financial
Liquidity times 6current ratio 2.00
Current ratio from 0.34 to 2.00.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beernem · 1 establishment unit since 2021
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.
Sint-Jorisstraat 48730 BeernemGround area
2,604 m²
Building footprint
809 m²
Volume, LiDAR
9,446 m³
Parcel 31003D0030/00F018, Flanders · tallest building 29.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Belmia
since 20212.317.227.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003D0030/00F018 | Flanders | 2,604 m² | 1 · 809 m² | 29.5 m · 4 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
M@tson Consultancy
BE 0803.420.316
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WINFRI
BE 0633.746.332
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RC DIGITAL CONSULTING
BE 1022.845.994
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L.A.S Management
BE 1015.059.963
Antwerpen · Eq €42,668
L.H Consult
BE 0742.724.446
Anderlecht · Eq €42,677
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,084 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2021
Fiscal year end30-09
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.