BEMARMI
ActiveSummary
BEMARMI has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€930,383) and a net result of €1,882. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 5% of 273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability29▼-1
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.63 against 0.65 in 2024; short-term debt: 153.4% and cash: 0.3% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Manufacture of other non-metallic mineral products (NACE 23)
about 17% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-54.4%
Return on assets
0.1%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 273 sector peers (2025).
NBB · sector comparisonPosition among 273 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-02-2026, 12 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 filingsDeviation from the deadline
2025
12 d late
2024
14 d late
2023
on the day
2022
41 d early
2021
12 d early
2020
23 d early
2019
29 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 11 days before the deadline; the sector median for financial year 2024 is 11 days before the deadline, and 34% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€930,383▲ 0.2%
2024 · -€932,265
Total assets
€1.7m▼ 4.0%
2024 · €1.8m
Net result
€1,882▼ 74.4%
2024 · €7,356
Working capital
-€964,423▼ 1.7%
2024 · -€948,224
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 23, Manufacture of other non-metallic mineral products, 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€48,140▼ 45.3%€61,851▲ 28.5%€33,507▼ 45.8%€58,228▲ 73.8%€49,323▼ 15.3%
Net result€17,970within the sector's middle half▼ 73.2%€36,487within the sector's middle half▲ 103%€5,073below the sector's middle half▼ 86.1%€7,356within the sector's middle half▲ 45.0%€1,882within the sector's middle half▼ 74.4%
Equity-€981,181below the sector's middle half▲ 1.8%-€944,694below the sector's middle half▲ 3.7%-€939,621below the sector's middle half▲ 0.5%-€932,265below the sector's middle half▲ 0.8%-€930,383below the sector's middle half▲ 0.2%
Total assets€1.8mwithin the sector's middle half▼ 2.4%€1.8mwithin the sector's middle half▼ 2.4%€1.8mwithin the sector's middle half▼ 0.9%€1.8mwithin the sector's middle half▲ 1.3%€1.7mwithin the sector's middle half▼ 4.0%
Debt€2.8m▼ 2.2%€2.7m▼ 2.9%€2.7m▼ 0.8%€2.7m▲ 0.6%€2.6m▼ 2.7%
Working capital-€1.0mbelow the sector's middle half▲ 2.0%-€967,106below the sector's middle half▲ 4.7%-€954,378below the sector's middle half▲ 1.3%-€948,224below the sector's middle half▲ 0.6%-€964,423below the sector's middle half▼ 1.7%
Solvency-54.0%below the sector's middle half▼ 0.3pp-53.3%below the sector's middle half▲ 0.7pp-53.5%below the sector's middle half▼ 0.2pp-52.3%below the sector's middle half▲ 1.1pp-54.4%below the sector's middle half▼ 2.1pp
Current ratio0.64below the sector's middle half=0.64below the sector's middle half▲ 0.010.64below the sector's middle half=0.65below the sector's middle half=0.63below the sector's middle half▼ 0.02
Return on assets (ROA)1.0%below the sector's middle half▼ 2.6pp2.1%within the sector's middle half▲ 1.1pp0.3%below the sector's middle half▼ 1.8pp0.4%below the sector's middle half▲ 0.1pp0.1%within the sector's middle half▼ 0.3pp
Staff (FTE)8.4within the sector's middle half▲ 18.3%7.4within the sector's middle half▼ 11.9%6.4within the sector's middle half▼ 13.5%6.2within the sector's middle half▼ 3.1%6.5within the sector's middle half▲ 4.8%
above
within
below
the middle half (P25 to P75) of NACE 23, Manufacture of other non-metallic mineral products, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€52,228 ▲ 46.0%
Current assets
€1.7m ▼ 5.1%
Key figures and ratios
EBITDA
€58,521▼
2024 · €66,330
Cash flow
€11,079▼
2024 · €15,457
Quick ratio
0.12▼
2024 · 0.15
Debt to equity
-2.84▲
2024 · -2.91
Interest coverage
1.22▼
2024 · 1.30
Debt ≤ 1 year
€2.6m▼
2024 · €2.7m
Income taxes
€487▼
2024 · €555
Staff costs
€334,789▲
2024 · €262,320
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,381 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.1%
stopped otherwise
94%
still going
A further 0.7% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.7% |
| 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 75% 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 1,381 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €9,980 | €0 | - | - | - |
| Remuneration, social security and pensions62 | - | €352,784 | €295,263 | €262,320 | €334,789 | ▲ 27.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,497 | €15,569 | €8,330 | €8,101 | €9,197 | ▲ 13.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€359 | €17,418 | -€4,413 | €2,636 | ▲ 160% |
| Other operating charges640/8 | - | €15,923 | €21,699 | €27,937 | €25,117 | ▼ 10.1% |
| Non-recurring operating charges66A | - | €3,513 | €0 | - | - | - |
| Gross operating margin9900 | €528,055 | €449,281 | €376,217 | €352,174 | €421,063 | ▲ 19.6% |
| Operating profit (loss)9901 | €48,140 | €61,851 | €33,507 | €58,228 | €49,323 | ▼ 15.3% |
| Financial income75/76B | - | €3,538 | €7,186 | €728 | €1,008 | ▲ 38.5% |
| Recurring financial income75 | €4,041 | €3,538 | €7,186 | €728 | €1,008 | ▲ 38.5% |
| Financial charges65/66B | - | €28,466 | €35,130 | €51,046 | €47,963 | ▼ 6.0% |
| Recurring financial charges65 | €33,643 | €28,466 | €35,130 | €51,046 | €47,963 | ▼ 6.0% |
| Profit (loss) for the period before taxes9903 | €18,537 | €36,924 | €5,563 | €7,911 | €2,369 | ▼ 70.1% |
| Income taxes67/77 | €568 | €437 | €490 | €555 | €487 | ▼ 12.2% |
| Profit (loss) for the period9904 | €17,970 | €36,487 | €5,073 | €7,356 | €1,882 | ▼ 74.4% |
| Profit (loss) for the period to be appropriated9905 | €17,970 | €36,487 | €5,073 | €7,356 | €1,882 | ▼ 74.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.8m | €1.8m | €1.8m | €1.8m | €1.7m | ▼ 4.0% |
| Fixed assets21/28 | €51,409 | €40,340 | €34,061 | €35,769 | €52,228 | ▲ 46.0% |
| Tangible fixed assets22/27 | €37,998 | €26,930 | €20,651 | €22,358 | €38,817 | ▲ 73.6% |
| Plant, machinery and equipment23 | - | €5,232 | €5,212 | €3,327 | €3,279 | ▼ 1.5% |
| Furniture and vehicles24 | - | €0 | - | €4,298 | €25,813 | ▲ 501% |
| Other tangible fixed assets26 | - | €21,698 | €15,439 | €14,733 | €9,726 | ▼ 34.0% |
| Financial fixed assets28 | €13,411 | €13,411 | €13,411 | €13,411 | €13,411 | = |
| Current assets29/58 | €1.8m | €1.7m | €1.7m | €1.7m | €1.7m | ▼ 5.1% |
| Stocks and contracts in progress3 | €1.4m | €1.4m | €1.4m | €1.3m | €1.3m | ▲ 0.7% |
| Stocks30/36 | - | €1.4m | €1.4m | €1.3m | €1.3m | ▲ 0.7% |
| Amounts receivable within one year40/41 | €366,671 | €348,560 | €348,630 | €388,883 | €297,284 | ▼ 23.6% |
| Trade receivables40 | - | €347,452 | €347,440 | €387,693 | €286,922 | ▼ 26.0% |
| Other amounts receivable41 | - | €1,108 | €1,191 | €1,191 | €10,362 | ▲ 770% |
| Cash at bank and in hand54/58 | €1,614 | €257 | €4,934 | €6,266 | €5,025 | ▼ 19.8% |
| Deferred charges and accrued income490/1 | - | €15,310 | €18,820 | €19,161 | €13,813 | ▼ 27.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.8m | €1.8m | €1.8m | €1.8m | €1.7m | ▼ 4.0% |
| Equity10/15 | -€981,181 | -€944,694 | -€939,621 | -€932,265 | -€930,383 | ▲ 0.2% |
| Contributions10/11 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Reserves13 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Non-distributable reserves130/1 | - | €5,000 | €5,000 | €0 | - | - |
| Reserves not available under the articles1311 | - | €5,000 | €5,000 | €0 | - | - |
| Distributable reserves133 | - | - | - | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€1.0m | -€974,694 | -€969,621 | -€962,265 | -€960,383 | ▲ 0.2% |
| Amounts payable17/49 | €2.8m | €2.7m | €2.7m | €2.7m | €2.6m | ▼ 2.7% |
| Amounts payable within one year42/48 | €2.8m | €2.7m | €2.7m | €2.7m | €2.6m | ▼ 2.7% |
| Financial debts43 | - | €516,892 | €525,000 | €525,000 | €525,000 | = |
| Credit institutions430/8 | - | €516,892 | €525,000 | €525,000 | €525,000 | = |
| Trade debts44 | €730,720 | €757,552 | €628,929 | €650,967 | €618,798 | ▼ 4.9% |
| Suppliers440/4 | - | €757,552 | €628,929 | €650,967 | €618,798 | ▼ 4.9% |
| Taxes, remuneration and social security45 | - | €64,610 | €90,750 | €87,824 | €127,079 | ▲ 44.7% |
| Taxes450/3 | - | €46,091 | €35,415 | €58,144 | €77,512 | ▲ 33.3% |
| Remuneration and social security454/9 | - | €18,519 | €55,335 | €29,680 | €49,566 | ▲ 67.0% |
| Other amounts payable47/48 | - | €1.4m | €1.4m | €1.4m | €1.4m | ▼ 5.5% |
| Accrued charges and deferred income492/3 | - | €17,929 | €19,304 | €19,810 | €18,188 | ▼ 8.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,970 | €36,487 | €5,073 | €7,356 | €1,882 | ▼ 74.4% |
| + Depreciation and write-downs630 | €16,497 | €15,569 | €8,330 | €8,101 | €9,197 | ▲ 13.5% |
| Operating cash flow (approximation) | €34,466 | €52,056 | €13,403 | €15,457 | €11,079 | ▼ 28.3% |
| Investment in fixed assets (approximation) | - | -€4,501 | -€2,051 | -€9,809 | -€25,656 | ▼ 162% |
| Change in cash | - | -€1,358 | €4,677 | €1,332 | -€1,242 | ▼ 193% |
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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €67,029
Net result €67,029 after one loss-making year.
02-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
25-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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.
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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, Harelbeke · 1 establishment unit since 2008
Ground area
1,212 m²
Building footprint
247 m²
Volume, LiDAR
1,108 m³
Parcel 34322B0508/00S000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
BEMARMI
since 20082.170.910.478
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34322B0508/00S000 | Flanders | 1,212 m² | 1 · 247 m² | 8.7 m · 1 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
2 ownersChain of control
- NATUBEL
- BEMARMI
Highest known parent: NATUBEL. The sources do not say who stands above it.
Owners 2
- NATUBELparent55%
-
44.8%
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
Food safety, FASFC
1 siteHarelbeke2.170.910.478
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Of 737 companies in sector 23700 we hold annual accounts for 489. 175 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-01-2008
Fiscal year end30-06
Activities, NACEBEL 2025
23700Cutting, shaping and finishing of stone
E-invoicing
Reachable via Peppol
Peppol ID
0208:0895555567
Registered
12-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.