Summary
Bema 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 €150,141 and a net result of €35,053. Equity is shrinking by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 8074 sector peers (fiscal year 2025). The company has been active since 1965 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.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 €150,141
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
29 d late
2023
28 d late
2022
14 d late
2021
5 d late
2020
29 d late
2019
89 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 27 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator 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 changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#1 oldest company in Rumst, Finance and insurance sector
Equity
€150,141▲ 30.5%
2024 · €115,089
Net result
€35,053▲ 2.4%
2024 · €34,244
Total assets
€175,523▲ 18.3%
2024 · €148,332
Solvency
85.5%▲ 8.0pp
2024 · 77.6%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€21,225▲ 58.0%-€16,394▲ 22.8%€47,959€38,739▼ 19.2%€54,214▲ 39.9%
Net result-€21,261▲ 58.3%-€16,468▲ 22.5%€43,551€34,244▼ 21.4%€35,053▲ 2.4%
Equity€125,957▼ 19.9%€85,294▼ 32.3%€104,845▲ 22.9%€115,089▲ 9.8%€150,141▲ 30.5%
Total assets€137,796▼ 12.7%€114,832▼ 16.7%€133,578▲ 16.3%€148,332▲ 11.0%€175,523▲ 18.3%
Debt€11,839▲ 1,693%€29,538▲ 150%€28,733▼ 2.7%€33,243▲ 15.7%€25,381▼ 23.6%
Working capital€16,862▼ 24.9%€1,876▼ 88.9%€46,156▲ 2,361%€69,655▲ 50.9%€126,080▲ 81.0%
Solvency91.4%▼ 8.2pp74.3%▼ 17.1pp78.5%▲ 4.2pp77.6%▼ 0.9pp85.5%▲ 8.0pp
Staff (FTE)
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 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175,523
Fixed assets
€24,061 ▼ 47.0%
Current assets
€151,461 ▲ 47.2%
Equity and liabilities €175,523
Equity
€150,141 ▲ 30.5%
Debt
€25,381 ▼ 23.6%
Debt's share of the balance-sheet total falls from 22.4% to 14.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
23.3%▼
2024 · 29.8%
ROA
20.0%▼
2024 · 23.1%
Debt ≤ 1 year
€25,381▼
2024 · €33,243
Income taxes
€19,107▲
2024 · €4,441
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,677 | €25,677 | €24,730 | €24,438 | €25,181 | ▲ 3.0% |
| Other operating charges640/8 | €1,519 | €1,554 | €1,693 | €1,763 | €1,889 | ▲ 7.2% |
| Gross operating margin9900 | €5,971 | €10,837 | €74,381 | €64,940 | €81,284 | ▲ 25.2% |
| Operating profit (loss)9901 | -€21,225 | -€16,394 | €47,959 | €38,739 | €54,214 | ▲ 39.9% |
| Financial income75/76B | - | - | €1 | - | - | - |
| Recurring financial income75 | - | - | €1 | - | - | - |
| Financial charges65/66B | €36 | €75 | €54 | €54 | €54 | = |
| Recurring financial charges65 | €36 | €75 | €54 | €54 | €54 | = |
| Profit (loss) for the period before taxes9903 | -€21,261 | -€16,468 | €47,906 | €38,685 | €54,160 | ▲ 40.0% |
| Income taxes67/77 | - | - | €4,355 | €4,441 | €19,107 | ▲ 330% |
| Profit (loss) for the period9904 | -€21,261 | -€16,468 | €43,551 | €34,244 | €35,053 | ▲ 2.4% |
| Profit (loss) for the period to be appropriated9905 | -€21,261 | -€16,468 | €43,551 | €34,244 | €35,053 | ▲ 2.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €137,796 | €114,832 | €133,578 | €148,332 | €175,523 | ▲ 18.3% |
| Fixed assets21/28 | €109,095 | €83,418 | €58,688 | €45,434 | €24,061 | ▼ 47.0% |
| Tangible fixed assets22/27 | €102,895 | €77,218 | €52,488 | €39,234 | €17,861 | ▼ 54.5% |
| Land and buildings22 | €101,773 | €76,441 | €52,057 | €39,147 | €17,861 | ▼ 54.4% |
| Plant, machinery and equipment23 | €1,122 | €777 | €432 | €86 | - | - |
| Financial fixed assets28 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Current assets29/58 | €28,701 | €31,414 | €74,890 | €102,898 | €151,461 | ▲ 47.2% |
| Amounts receivable within one year40/41 | €17,265 | €10,848 | €30,087 | €18,316 | €27,587 | ▲ 50.6% |
| Trade receivables40 | €17,225 | €10,848 | €30,087 | €18,087 | €27,587 | ▲ 52.5% |
| Other amounts receivable41 | €40 | - | - | €229 | - | - |
| Cash at bank and in hand54/58 | €11,087 | €20,181 | €44,379 | €84,139 | €123,409 | ▲ 46.7% |
| Deferred charges and accrued income490/1 | €349 | €384 | €424 | €443 | €465 | ▲ 4.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €137,796 | €114,832 | €133,578 | €148,332 | €175,523 | ▲ 18.3% |
| Equity10/15 | €125,957 | €85,294 | €104,845 | €115,089 | €150,141 | ▲ 30.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €184,341 | €160,146 | €179,697 | €189,941 | €224,993 | ▲ 18.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €182,481 | €158,286 | €179,697 | €189,941 | €224,993 | ▲ 18.5% |
| Profit (loss) carried forward14 | -€76,984 | -€93,452 | -€93,452 | -€93,452 | -€93,452 | = |
| Amounts payable17/49 | €11,839 | €29,538 | €28,733 | €33,243 | €25,381 | ▼ 23.6% |
| Amounts payable within one year42/48 | €11,839 | €29,538 | €28,733 | €33,243 | €25,381 | ▼ 23.6% |
| Trade debts44 | €9 | €5,344 | €378 | €267 | €1,702 | ▲ 538% |
| Suppliers440/4 | €9 | €5,344 | €378 | €267 | €1,702 | ▲ 538% |
| Taxes, remuneration and social security45 | €2,330 | €1,210 | €5,555 | €9,996 | €23,548 | ▲ 136% |
| Taxes450/3 | €2,330 | €1,210 | €5,555 | €9,996 | €23,548 | ▲ 136% |
| Other amounts payable47/48 | €9,500 | €22,985 | €22,800 | €22,980 | €131 | ▼ 99.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€21,261 | -€16,468 | €43,551 | €34,244 | €35,053 | ▲ 2.4% |
| + Depreciation and write-downs630 | €25,677 | €25,677 | €24,730 | €24,438 | €25,181 | ▲ 3.0% |
| Operating cash flow (approximation) | €4,416 | €9,209 | €68,281 | €58,682 | €60,234 | ▲ 2.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€11,183 | -€3,809 | ▲ 65.9% |
| Change in cash | - | €9,095 | €24,197 | €39,760 | €39,270 | ▼ 1.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150,000Eq €150,141 ▲30.5%
3 profitable years in a row build equity to €150,141.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €43,551
Net result €43,551 after 4 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.61
Current ratio from 1.06 to 2.61; short-term debt falls from €29,538 to €28,733.
31-12
Financial
Equity above €100,000Eq €104,845 ▲22.9%
Equity rises from €85,294 to €104,845.
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Weakest financial yearnet -€50,929
Net result drops to -€50,929, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 25current ratio 34.99
Current ratio from 1.41 to 34.99; short-term debt falls from €123,268 to €660.
Show earlier events
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Rumst · 1 establishment unit since 1966
Ground area
567 m²
Building footprint
177 m²
Volume, LiDAR
1,174 m³
Parcel 11036B0235/00T000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BEMA BVBA
since 19662.000.855.127
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036B0235/00T000 | Flanders | 567 m² | 1 · 177 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
33%
According to the 2025 annual accounts of Bema 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.
Similar companies · same sector, comparable size
SUBTILITE
BE 0764.696.530
Antwerpen · Eq €150,141
ARRI
BE 1010.860.259
Roeselare · Eq €150,145
ARCO HOLDING
BE 0800.190.216
Flémalle · Eq €150,118
GRANDJEAN MANAGEMENT
BE 0750.604.212
Vaux-sur-Sûre · Eq €150,101
SimCo
BE 0660.864.364
Antwerpen · Eq €150,098
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,229 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
Founded23-11-1965
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0403662926
Also
9925:BE0403662926
Registered
17-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.