BEMA CONSULTING
ActiveBEMA CONSULTING has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €563k and a net result of €126k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 66% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+30
Solvency100▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 2.9 in 2024), and 34.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
65.1%
Return on assets
14.5%
Age of the figures
8 mo
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
1 d early
2023
7 d early
2022
6 d early
2021
31 d early
2020
61 d late
2019
on the day
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€563k▲ 13.7%
2024 · €495k
2018: €201k
2019: €215k
2020: €260k
2021: €321k
2022: €398k
2023: €426k
2024: €495k
2018 → 2025
Total assets
€865k▲ 12.4%
2024 · €770k
2018: €500k
2019: €556k
2020: €582k
2021: €688k
2022: €826k
2023: €648k
2024: €770k
2018 → 2025
Net result
€126k▲ 80.9%
2024 · €69k
2018: €41k
2019: €14k
2020: €45k
2021: €62k
2022: €77k
2023: €122k
2024: €69k
2018 → 2025
Working capital
€376k▲ 8.6%
2024 · €346k
2018: €189k
2019: €195k
2020: €215k
2021: €278k
2022: €346k
2023: €376k
2024: €346k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€321k-€398k▲ 23.9%€426k▲ 6.9%€495k▲ 16.3%€563k▲ 13.7%
Operating result€82k-€96k▲ 16.1%€160k▲ 67.1%€93k▼ 41.6%€177k▲ 90.0%
Net result€62k-€77k▲ 24.0%€122k▲ 58.3%€69k▼ 42.9%€126k▲ 80.9%
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 recovers in 2025; 2025 is 90% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €865k
Fixed assets
€232k▼ 3.9%
Current assets
€633k▲ 19.9%
Equity and liabilities €865k
Equity
€563k▲ 13.7%
Debt
€302k▲ 10.2%
The debt ratio falls from 35.6% to 34.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€203k▲
2024 · €111k
Cash flow
€151k▲
2024 · €87k
Solvency
65.1%▲
2024 · 64.4%
Current ratio
2.46▼
2024 · 2.90
Quick ratio
2.46▼
2024 · 2.90
Debt / equity
0.54▼
2024 · 0.55
ROE
22.3%▲
2024 · 14.0%
ROA
14.5%▲
2024 · 9.0%
Interest coverage
23.18▲
2024 · 17.21
Debt
€302k▲
2024 · €274k
Debt ≤ 1 year
€257k▲
2024 · €182k
Debt > 1 year
€45k▼
2024 · €92k
Income taxes
€55k▲
2024 · €32k
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€770k€865k▲
Fixed assets21/28€242k€232k▼
Tangible fixed assets22/27€90k€81k▼
Plant, machinery and equipment23€5k€6k▲
Furniture and vehicles24€54k€52k▼
Leasing and similar rights25€2k€511▼
Other tangible fixed assets26€29k€22k▼
Financial fixed assets28€151k€151k=
Current assets29/58€528k€633k▲
Amounts receivable after more than one year29€391k€423k▲
Trade receivables290€391k€423k▲
Amounts receivable within one year40/41€120k€180k▲
Trade receivables40€38k€23k▼
Other amounts receivable41€83k€157k▲
Cash at bank and in hand54/58€13k€27k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€770k€865k▲
Equity10/15€495k€563k▲
Contributions10/11€19k€19k=
Reserves13€400k€467k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€399k€466k▲
Profit (loss) carried forward14€76k€77k▲
Amounts payable17/49€274k€302k▲
Amounts payable after more than one year17€92k€45k▼
Financial debts170/4€92k€45k▼
Amounts payable within one year42/48€182k€257k▲
Current portion of amounts payable after more than one year42€112k€118k▲
Trade debts44€39k€48k▲
Suppliers440/4€39k€48k▲
Advances received on contracts in progress46€5k€5k=
Taxes, remuneration and social security45€20k€23k▲
Taxes450/3€16k€22k▲
Remuneration and social security454/9€4k€79▼
Other amounts payable47/48€7k€63k▲
Income statement
Code20242025
Remuneration, social security and pensions62€37-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€26k▲
Other operating charges640/8€4k€817▼
Gross operating margin9900€114k€204k▲
Operating profit (loss)9901€93k€177k▲
Financial income75/76B€14k€12k▼
Recurring financial income75€14k€12k▼
Financial charges65/66B€6k€9k▲
Recurring financial charges65€6k€9k▲
Profit (loss) for the period before taxes9903€101k€181k▲
Income taxes67/77€32k€55k▲
Profit (loss) for the period9904€69k€126k▲
Profit (loss) for the period to be appropriated9905€69k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€145k€202k▲
Profit (loss) brought forward from the previous period14P€76k€76k▲
Transfer from equity791/2-€58k
Transfer to equity691/2€69k€125k▲
To the legal reserve6920-€125k
To other reserves6921€69k-
Profit to be distributed694/7-€58k
Return on contributions (dividend)694-€58k
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €126k ▲80.9%
Operating result €177k, net result €126k, both a record.
31-12
Financial
Equity above €500kEq €563k ▲13.7%
8 profitable years in a row build equity to €563k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €14k ▼65.1%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
27-07
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
7 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, Maasmechelen · 1 establishment unit since 2012
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.
Industrielaan(M) 823630 MaasmechelenGround area
3,716 m²
Building footprint
803 m²
Parcel 73048B0537/00H000, Flanders. Linked by address, not a title deed.
1 establishment unit
Psylon Mechelen
since 20122.234.653.930
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73048B0537/00H000 | Flanders | 3,716 m² | 1 · 803 m² | - |
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.
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DCube
BE 0553.792.596
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VIPMAN
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ROY-IMMO
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 11,413 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-01-2006
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.