Skip to content

Bemabo

Active
Public limited companyfounded 198243 yrs activeAlf.Van den Sandelaan 26, 2970 Schilde, BelgiumKBO/BCE: BE 0423.689.664
Summary

Bemabo has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.9m and a net result of €93,603. Equity remains stable across the filed fiscal years (±1.1% per year). The computed 12-month bankruptcy probability is 0.5% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability74▲+1
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140,000 at 30 days acceptable
Liquidity ample (current ratio 2.01 against 2.36 in 2023; short-term debt: 15.6% and cash: 7.1% of total assets), and 20.1% 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
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 43 years 0 50 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
79.9%
Return on assets
4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
60 d late
2023
61 d late
2022
66 d late
2021
59 d late
2020
82 d late
2019
126 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 76 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 26 November 1982, Bemabo was incorporated.1 Total assets went from EUR 2.7 million in 2018 to EUR 2.3 million in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

Go further with this company

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 2024, micro schema

Equity
€1.9m▼ 10.3%
2023 · €2.1m
Total assets
€2.3m▼ 9.2%
2023 · €2.6m
Net result
€93,603▲ 7.2%
2023 · €87,344
Working capital
€368,283▼ 29.8%
2023 · €524,770
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
Line20202021202220232024
Operating result€69,858▲ 8.1%€90,415▲ 29.4%€73,276▼ 19.0%€63,562▼ 13.3%€106,105▲ 66.9%
Net result€55,033▲ 47.1%€97,248▲ 76.7%€10,684▼ 89.0%€87,344▲ 718%€93,603▲ 7.2%
Equity€2.2m▲ 1.3%€2.3m▲ 3.2%€2.3m▼ 0.7%€2.1m▼ 9.5%€1.9m▼ 10.3%
Total assets€2.5m▼ 1.9%€2.5m▲ 0.8%€2.5m▼ 0.7%€2.6m▲ 2.7%€2.3m▼ 9.2%
Debt€159,307▼ 31.3%€111,808▼ 29.8%€112,587▲ 0.7%€400,140▲ 255%€380,064▼ 5.0%
Working capital€622,837▲ 4.8%€786,253▲ 26.2%€776,125▼ 1.3%€524,770▼ 32.4%€368,283▼ 29.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50,000€100,000Operating result 2020: €69,858€69,858Net result 2020: €55,033€55,033Operating result 2021: €90,415€90,415Net result 2021: €97,248€97,248Operating result 2022: €73,276€73,276Net result 2022: €10,684€10,684Operating result 2023: €63,562€63,562Net result 2023: €87,344€87,344Operating result 2024: €106,105€106,105Net result 2024: €93,603€93,60320202021202220232024€0€50,000€100,000Operating result 2022: €73,276€73,300Net result 2022: €10,684€10,700Operating result 2023: €63,562€63,600Net result 2023: €87,344€87,300Operating result 2024: €106,105€106,000Net result 2024: €93,603€93,600202220232024
The operating result recovers in 2024; 2024 is 67% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.3m
Fixed assets €1.6m ▼ 3.5%
Current assets €731,184 ▼ 19.7%
Equity and liabilities €2.3m
Equity €1.9m ▼ 10.3%
Provisions €88,855 ▼ 4.3%
Debt €380,064 ▼ 5.0%
Debt's share of the balance-sheet total rises from 15.6% to 16.3%. Equity and debt are lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€203,007▲
2023 · €150,000
Cash flow
€190,505▲
2023 · €173,782
Current ratio
2.01▼
2023 · 2.36
Debt to equity
0.20▲
2023 · 0.19
ROE
5.0%▲
2023 · 4.2%
ROA
4.0%▲
2023 · 3.4%
Interest coverage
32.47▲
2023 · 29.65
Debt ≤ 1 year
€362,901▼
2023 · €385,811
Debt > 1 year
€14,329=
2023 · €14,329
Income taxes
€26,713▲
2023 · €13,852
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 14,684 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.2% went bankrupt
3.5% stopped otherwise
96% 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 0.5% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 14,684 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 53 lines
Balance sheet Code20232024
Assets
Total assets20/58€2.6m€2.3m▼
Fixed assets21/28€1.7m€1.6m▼
Tangible fixed assets22/27€1.7m€1.6m▼
Land and buildings22€1.7m€1.6m▼
Furniture and vehicles24€2,341€1,619▼
Current assets29/58€910,581€731,184▼
Amounts receivable within one year40/41€143,778€88,882▼
Other amounts receivable41€143,778€88,882▼
Current investments50/53€427,407€431,642▲
Cash at bank and in hand54/58€293,554€164,204▼
Deferred charges and accrued income490/1€45,841€46,457▲
Equity and liabilities
Total equity and liabilities10/49€2.6m€2.3m▼
Equity10/15€2.1m€1.9m▼
Contributions10/11€401,588€401,588=
Capital10€401,588€401,588=
Issued capital100€401,588€401,588=
Reserves13€647,810€631,649▼
Non-distributable reserves130/1€47,416€47,416=
Legal reserve130€47,416€47,416=
Tax-exempt reserves132€542,195€526,034▼
Distributable reserves133€58,199€58,199=
Profit (loss) carried forward14€1.0m€825,047▼
Provisions and deferred taxes16€92,895€88,855▼
Deferred taxes168€92,895€88,855▼
Amounts payable17/49€400,140€380,064▼
Amounts payable after more than one year17€14,329€14,329=
Other amounts payable178/9€14,329€14,329=
Amounts payable within one year42/48€385,811€362,901▼
Trade debts44€44,665€15,645▼
Suppliers440/4€44,665€15,645▼
Taxes, remuneration and social security45€1,423€11,508▲
Taxes450/3€1,423€11,508▲
Other amounts payable47/48€339,723€335,748▼
Accrued charges and deferred income492/3-€2,835
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86,438€96,902▲
Other operating charges640/8€37,602€39,429▲
Gross operating margin9900€187,602€242,436▲
Operating profit (loss)9901€63,562€106,105▲
Financial income75/76B€38,488€16,424▼
Recurring financial income75€38,488€16,424▼
Financial charges65/66B€5,059€6,252▲
Recurring financial charges65€5,059€6,252▲
Profit (loss) for the period before taxes9903€96,991€116,276▲
Transfer from deferred taxes780€4,205€4,040▼
Income taxes67/77€13,852€26,713▲
Profit (loss) for the period9904€87,344€93,603▲
Transfer from tax-exempt reserves789€16,819€16,161▼
Profit (loss) for the period to be appropriated9905€104,162€109,764▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.3m€1.1m▼
Profit (loss) brought forward from the previous period14P€1.2m€1.0m▼
Profit to be distributed694/7€303,998€305,998▲
Return on contributions (dividend)694€278,000€280,000▲
Directors or managers695€25,998€25,998=

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82,361€78,710€82,307€86,438€96,902▲ 12.1%
Other operating charges640/8-€34,875€34,616€37,602€39,429▲ 4.9%
Gross operating margin9900€192,671€204,000€190,199€187,602€242,436▲ 29.2%
Operating profit (loss)9901€69,858€90,415€73,276€63,562€106,105▲ 66.9%
Financial income75/76B-€30,385€16,531€38,488€16,424▼ 57.3%
Recurring financial income75€3,223€1,607€16,531€38,488€16,424▼ 57.3%
Non-recurring financial income76B-€28,779----
Financial charges65/66B-€4,724€66,044€5,059€6,252▲ 23.6%
Recurring financial charges65€4,197€2,759€66,044€5,059€6,252▲ 23.6%
Non-recurring financial charges66B-€1,965----
Profit (loss) for the period before taxes9903€68,884€116,076€23,762€96,991€116,276▲ 19.9%
Transfer from deferred taxes780-€4,205€4,205€4,205€4,040▼ 3.9%
Income taxes67/77€18,056€23,032€17,283€13,852€26,713▲ 92.8%
Profit (loss) for the period9904€55,033€97,248€10,684€87,344€93,603▲ 7.2%
Transfer from tax-exempt reserves789-€16,819€16,819€16,819€16,161▼ 3.9%
Profit (loss) for the period to be appropriated9905€71,851€114,067€27,503€104,162€109,764▲ 5.4%
Line20202021202220232024Change
Assets
Total assets20/58€2.5m€2.5m€2.5m€2.6m€2.3m▼ 9.2%
Fixed assets21/28€1.7m€1.7m€1.6m€1.7m€1.6m▼ 3.5%
Tangible fixed assets22/27€1.7m€1.7m€1.6m€1.7m€1.6m▼ 3.5%
Land and buildings22-€1.6m€1.6m€1.7m€1.6m▼ 3.4%
Furniture and vehicles24-€3,785€3,063€2,341€1,619▼ 30.8%
Current assets29/58€772,315€864,232€874,383€910,581€731,184▼ 19.7%
Amounts receivable within one year40/41€121,674€180,676€140,878€143,778€88,882▼ 38.2%
Trade receivables40-€15,000----
Other amounts receivable41-€165,676€140,878€143,778€88,882▼ 38.2%
Current investments50/53€452,712€408,325€376,567€427,407€431,642▲ 1.0%
Cash at bank and in hand54/58€162,328€238,012€312,256€293,554€164,204▼ 44.1%
Deferred charges and accrued income490/1-€37,219€44,682€45,841€46,457▲ 1.3%
Equity and liabilities
Total equity and liabilities10/49€2.5m€2.5m€2.5m€2.6m€2.3m▼ 9.2%
Equity10/15€2.2m€2.3m€2.3m€2.1m€1.9m▼ 10.3%
Contributions10/11€401,588€401,588€401,588€401,588€401,588=
Capital10-€401,588€401,588€401,588€401,588=
Issued capital100-€401,588€401,588€401,588€401,588=
Reserves13€698,266€681,447€664,629€647,810€631,649▼ 2.5%
Non-distributable reserves130/1-€47,416€47,416€47,416€47,416=
Legal reserve130-€47,416€47,416€47,416€47,416=
Tax-exempt reserves132-€575,833€559,014€542,195€526,034▼ 3.0%
Distributable reserves133-€58,199€58,199€58,199€58,199=
Profit (loss) carried forward14€1.1m€1.2m€1.2m€1.0m€825,047▼ 19.2%
Provisions and deferred taxes16€105,509€101,305€97,100€92,895€88,855▼ 4.3%
Deferred taxes168-€101,305€97,100€92,895€88,855▼ 4.3%
Amounts payable17/49€159,307€111,808€112,587€400,140€380,064▼ 5.0%
Amounts payable after more than one year17€9,829€9,829€14,329€14,329€14,329=
Financial debts170/4-€9,829----
Other amounts payable178/9--€14,329€14,329€14,329=
Amounts payable within one year42/48€149,478€77,979€98,258€385,811€362,901▼ 5.9%
Financial debts43--€7---
Credit institutions430/8--€7---
Trade debts44€33,622€1,161€5,178€44,665€15,645▼ 65.0%
Suppliers440/4-€1,161€5,178€44,665€15,645▼ 65.0%
Taxes, remuneration and social security45-€25,006€39,142€1,423€11,508▲ 709%
Taxes450/3-€25,006€39,142€1,423€11,508▲ 709%
Other amounts payable47/48-€51,811€53,931€339,723€335,748▼ 1.2%
Accrued charges and deferred income492/3-€24,000--€2,835-
Line20202021202220232024Change
Profit (loss) for the period9904€55,033€97,248€10,684€87,344€93,603▲ 7.2%
+ Depreciation and write-downs630€82,361€78,710€82,307€86,438€96,902▲ 12.1%
Operating cash flow (approximation)€137,393€175,958€92,991€173,782€190,505▲ 9.6%
Investment in fixed assets (approximation)--€6,340-€53,416-€116,935-€39,788▲ 66.0%
Change in cash-€75,684€74,244-€18,702-€129,351▼ 592%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2025
29-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
05-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial Weakest financial yearnet €10,684 ▼89%
Net result drops to €10,684, the lowest in the series; recovery starts the following year.
28-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial Highest result since 2018net €97,248 ▲76.7%
Net result €97,248, the highest in the series.
31-12
Financial Liquidity doublescurrent ratio 11.08
Current ratio from 5.17 to 11.08; short-term debt falls from €149,478 to €77,979.
21-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
04-12
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 126 days late
2019
19-09
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 50 days late
2018
28-09
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
28-09
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
04-10
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has 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.

Structure & network

Owners and holdings

2 owners

Owners 2

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

No current directors or connected companies found in the register.

Recognitions · licences · registrations

Legal Entity Identifier

87550056VRKSH3PPMU44
live in the LEI register

Identification & contact

Identification
Legal formPublic limited company
Founded26-11-1982
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0423689664
Also 9925:BE0423689664
Registered 03-01-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.