Summary
BEM Experts is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €136,812 and a net result of €12,740. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 48% of 1502 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
36 d early
2023
6 d early
2022
39 d early
2021
2 d early
2020
1 d early
2019
59 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 22 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 22 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€136,812▼ 63.4%
2024 · €374,072
Net result
€12,740▼ 92.2%
2024 · €163,166
Total assets
€372,393▼ 37.7%
2024 · €598,212
Solvency
36.7%▼ 25.8pp
2024 · 62.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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€82,469▲ 64.4%€89,728▲ 8.8%€41,653▼ 53.6%€224,445▲ 439%€22,451▼ 90.0%
Net result€57,817within the sector's middle half▲ 83.7%€55,195within the sector's middle half▼ 4.5%€26,029within the sector's middle half▼ 52.8%€163,166within the sector's middle half▲ 527%€12,740within the sector's middle half▼ 92.2%
Equity€166,783within the sector's middle half▼ 27.4%€198,731within the sector's middle half▲ 19.2%€210,906within the sector's middle half▲ 6.1%€374,072within the sector's middle half▲ 77.4%€136,812within the sector's middle half▼ 63.4%
Total assets€509,865within the sector's middle half▲ 18.1%€602,110within the sector's middle half▲ 18.1%€484,214within the sector's middle half▼ 19.6%€598,212within the sector's middle half▲ 23.5%€372,393below the sector's middle half▼ 37.7%
Debt€343,082▲ 69.8%€403,379▲ 17.6%€273,307▼ 32.2%€224,140▼ 18.0%€235,581▲ 5.1%
Working capital€89,665within the sector's middle half▼ 42.9%€113,953within the sector's middle half▲ 27.1%€123,168within the sector's middle half▲ 8.1%€303,045within the sector's middle half▲ 146%€48,111within the sector's middle half▼ 84.1%
Solvency32.7%within the sector's middle half▼ 20.5pp33.0%within the sector's middle half▲ 0.3pp43.6%within the sector's middle half▲ 10.6pp62.5%within the sector's middle half▲ 19.0pp36.7%within the sector's middle half▼ 25.8pp
Current ratio1.29within the sector's middle half▼ 0.721.29within the sector's middle half▲ 0.011.45within the sector's middle half▲ 0.162.35within the sector's middle half▲ 0.901.20within the sector's middle half▼ 1.15
Return on assets (ROA)11.3%within the sector's middle half▲ 4.0pp9.2%within the sector's middle half▼ 2.2pp5.4%within the sector's middle half▼ 3.8pp27.3%above the sector's middle half▲ 21.9pp3.4%within the sector's middle half▼ 23.9pp
Staff (FTE)1▼ 9.1%1.2▲ 20.0%1.3below the sector's middle half▲ 8.3%1.5below the sector's middle half▲ 15.4%2.1within the sector's middle half▲ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 90% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €372,393
Fixed assets
€88,701 ▲ 24.9%
Current assets
€283,692 ▼ 46.2%
Equity and liabilities €372,393
Equity
€136,812 ▼ 63.4%
Debt
€235,581 ▲ 5.1%
Debt's share of the balance-sheet total rises from 37.5% to 63.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
9.3%▼
2024 · 43.6%
Debt ≤ 1 year
€235,581▲
2024 · €224,140
Income taxes
€9,402▼
2024 · €60,684
Staff costs
€121,296▲
2024 · €95,500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €74,558 | €78,040 | €86,591 | €95,500 | €121,296 | ▲ 27.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,894 | €19,437 | €18,377 | €17,966 | €18,633 | ▲ 3.7% |
| Other operating charges640/8 | €2,013 | €2,452 | €2,352 | €2,422 | €2,471 | ▲ 2.0% |
| Non-recurring operating charges66A | €479 | - | - | - | - | - |
| Gross operating margin9900 | €177,413 | €189,656 | €148,973 | €340,333 | €164,851 | ▼ 51.6% |
| Operating profit (loss)9901 | €82,469 | €89,728 | €41,653 | €224,445 | €22,451 | ▼ 90.0% |
| Financial income75/76B | €185 | €10 | €0 | €4 | €1 | ▼ 84.5% |
| Recurring financial income75 | €185 | €10 | €0 | €4 | €1 | ▼ 84.5% |
| Financial charges65/66B | €1,811 | €1,403 | €965 | €600 | €309 | ▼ 48.5% |
| Recurring financial charges65 | €1,811 | €1,403 | €965 | €600 | €309 | ▼ 48.5% |
| Profit (loss) for the period before taxes9903 | €80,843 | €88,335 | €40,688 | €223,849 | €22,142 | ▼ 90.1% |
| Income taxes67/77 | €23,026 | €33,140 | €14,659 | €60,684 | €9,402 | ▼ 84.5% |
| Profit (loss) for the period9904 | €57,817 | €55,195 | €26,029 | €163,166 | €12,740 | ▼ 92.2% |
| Profit (loss) for the period to be appropriated9905 | €57,817 | €55,195 | €26,029 | €163,166 | €12,740 | ▼ 92.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €509,865 | €602,110 | €484,214 | €598,212 | €372,393 | ▼ 37.7% |
| Fixed assets21/28 | €108,482 | €101,086 | €88,992 | €71,027 | €88,701 | ▲ 24.9% |
| Tangible fixed assets22/27 | €108,482 | €101,086 | €88,992 | €71,027 | €88,701 | ▲ 24.9% |
| Land and buildings22 | €90,874 | €79,882 | €68,889 | €57,897 | €70,034 | ▲ 21.0% |
| Plant, machinery and equipment23 | €3,608 | €7,479 | €7,192 | €3,461 | €798 | ▼ 76.9% |
| Furniture and vehicles24 | €13,999 | €13,725 | €12,911 | €9,669 | €17,868 | ▲ 84.8% |
| Current assets29/58 | €401,383 | €501,024 | €395,221 | €527,185 | €283,692 | ▼ 46.2% |
| Amounts receivable within one year40/41 | €141,704 | €143,022 | €93,513 | €107,839 | €118,882 | ▲ 10.2% |
| Trade receivables40 | €130,046 | €137,359 | €83,172 | €107,498 | €100,243 | ▼ 6.7% |
| Other amounts receivable41 | €11,658 | €5,663 | €10,341 | €341 | €18,639 | ▲ 5,363% |
| Cash at bank and in hand54/58 | €258,407 | €356,567 | €295,303 | €417,901 | €159,676 | ▼ 61.8% |
| Deferred charges and accrued income490/1 | €1,272 | €1,435 | €6,405 | €1,445 | €5,134 | ▲ 255% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €509,865 | €602,110 | €484,214 | €598,212 | €372,393 | ▼ 37.7% |
| Equity10/15 | €166,783 | €198,731 | €210,906 | €374,072 | €136,812 | ▼ 63.4% |
| Contributions10/11 | €660 | €660 | €660 | €660 | €660 | = |
| Reserves13 | €166,123 | €198,071 | €210,246 | €210,246 | - | - |
| Distributable reserves133 | €166,123 | €198,071 | €210,246 | €210,246 | - | - |
| Profit (loss) carried forward14 | - | - | - | €163,166 | €136,152 | ▼ 16.6% |
| Amounts payable17/49 | €343,082 | €403,379 | €273,307 | €224,140 | €235,581 | ▲ 5.1% |
| Amounts payable after more than one year17 | €31,364 | €16,309 | €1,254 | - | - | - |
| Financial debts170/4 | €31,364 | €16,309 | €1,254 | - | - | - |
| Amounts payable within one year42/48 | €311,718 | €387,070 | €272,053 | €224,140 | €235,581 | ▲ 5.1% |
| Current portion of amounts payable after more than one year42 | €15,055 | €15,055 | €15,055 | €1,254 | - | - |
| Trade debts44 | €271,162 | €330,564 | €177,196 | €108,010 | €146,366 | ▲ 35.5% |
| Suppliers440/4 | €271,162 | €330,564 | €177,196 | €108,010 | €146,366 | ▲ 35.5% |
| Advances received on contracts in progress46 | - | - | €40,000 | €40,000 | €40,000 | = |
| Taxes, remuneration and social security45 | €7,128 | €13,045 | €23,894 | €73,146 | €49,215 | ▼ 32.7% |
| Taxes450/3 | €289 | €5,935 | €10,876 | €56,771 | €40,684 | ▼ 28.3% |
| Remuneration and social security454/9 | €6,839 | €7,110 | €13,018 | €16,374 | €8,531 | ▼ 47.9% |
| Other amounts payable47/48 | €18,373 | €28,406 | €15,908 | €1,730 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €57,817 | €55,195 | €26,029 | €163,166 | €12,740 | ▼ 92.2% |
| + Depreciation and write-downs630 | €17,894 | €19,437 | €18,377 | €17,966 | €18,633 | ▲ 3.7% |
| Operating cash flow (approximation) | €75,711 | €74,632 | €44,406 | €181,131 | €31,373 | ▼ 82.7% |
| Investment in fixed assets (approximation) | - | -€12,041 | -€6,283 | €0 | -€36,307 | - |
| Change in cash | - | €98,160 | -€61,264 | €122,598 | -€258,225 | ▼ 311% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
20-07
State Gazette act
Resignations: Darufe BV (director) and Jan-Willem Wolffenbuttel (director)Appointments: SSVD Consulting (director) and CED Belgium (director) · Permanent representatives: Sven Marinus, Sofie Van Dyck and Jan-Willem Wolffenbuttel · Director discharge10 facts ▸
State Gazette act
Resignations: Darufe BV (director) and Jan-Willem Wolffenbuttel (director)
Appointments: SSVD Consulting (director) and CED Belgium (director) · Permanent representatives: Sven Marinus, Sofie Van Dyck and Jan-Willem Wolffenbuttel · Director discharge10 facts ▸
- General meeting, schriftelijke besluiten, artikel 5:85 van het Wetboek van Vennootschappen en Verenigingen
- Director resignation, Darufe BV (director)
- Director resignation, Jan-Willem Wolffenbuttel (director)
- Director discharge, Darufe BV
- Director discharge, Jan-Willem Wolffenbuttel
- Director appointment, SSVD Consulting (director)
- Director appointment, CED Belgium (director)
- Permanent representative, Sven Marinus (permanent representative)
- Permanent representative, Sofie Van Dyck (permanent representative)
- Permanent representative, Jan-Willem Wolffenbuttel (permanent representative)
2025
31-12
Financial
Weakest financial yearnet €12,740 ▼92.2%
Net result drops to €12,740, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €163,166 ▲527%
Operating result €224,445, net result €163,166, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200,000Eq €210,906 ▲6.1%
6 profitable years in a row build equity to €210,906.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200,000Eq €229,644 ▲15.9%
3 profitable years in a row build equity to €229,644.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 directors, last change in 2026
Board 2
CED BELGIUM
CurrentDirector · since 09-03-2026 · Public limited company · perm. rep.: Jan-Willem Wolffenbuttel
SSVD Consulting
CurrentDirector · since 09-03-2026 · Private limited company · perm. rep.: Sofie Van Dyck
Permanent representatives 2
Jan-Willem Wolffenbuttel
CurrentPermanent representative · since 09-03-2026 · for CED BELGIUM
Sofie Van Dyck
CurrentPermanent representative · since 09-03-2026 · for SSVD Consulting
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
9 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Mechelen · 1 establishment unit since 2010
Ground area
808 m²
Building footprint
223 m²
Volume, LiDAR
819 m³
Parcel 12404F0032/00S002, Flanders · tallest building 35.5 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BEM Experts
since 20102.229.071.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404F0032/00S002 | Flanders | 808 m² | 1 · 223 m² | 35.5 m |
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.
Mandate history
4 people since 2026, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| CED BELGIUM |
|
| SSVD Consulting |
|
| Darufe BV |
|
| Jan-Willem Wolffenbuttel |
|
Structure & network
Owners and holdings
1 ownerChain of control
- CED BELGIUM
- BEM Experts
Highest known parent: CED BELGIUM. The sources do not say who stands above it.
Owners 1
- CED BELGIUMparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts 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
2 current directorsThe group is listed under Ownership & control below; here you explore it as a network.
This company
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Shareholding
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Identification & contact
Identification
Legal formPrivate limited company
Founded18-09-1995
Fiscal year end31-12
Abbreviation NL
EXPERTISEBURO B.E.M. EXPERTS
Activities, NACEBEL 2025
66210Risk and damage evaluation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0455912074
Also
9925:BE0455912074
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.