BEMATT
ActiveBEMATT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €47k and a net result of €-40k. Equity is shrinking by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability3▼-8
Solvency39▼-11
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.77 against 0.93 in 2023; short-term debt: 57% and cash: 0.3% of total assets), and 85.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2024Solvency, return and age of the figures
Solvency
14.5%
Return on assets
-12.2%
Age of the figures
21 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-40k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 37959 sector peers (2024).
NBB · sector comparisonPosition among 37959 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
83 d late
2022
74 d late
2021
99 d late
2020
136 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€47k▼ 45.8%
2023 · €86k
2018: €213k
2019: €193k
2020: €183k
2021: €128k
2022: €109k
2023: €86k
2018 → 2024
Total assets
€323k▼ 6.2%
2023 · €345k
2018: €353k
2019: €345k
2020: €344k
2021: €361k
2022: €354k
2023: €345k
2018 → 2024
Net result
€-40k▼ 78.8%
2023 · €-22k
2018: €-16k
2019: €-20k
2020: €-10k
2021: €-55k
2022: €-20k
2023: €-22k
2018 → 2024
Working capital
€-42k▼ 285%
2023 · €-11k
2018: €77k
2019: €72k
2020: €60k
2021: €15k
2022: €2k
2023: €-11k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€183k-€128k▼ 29.9%€109k▼ 15.3%€86k▼ 20.4%€47k▼ 45.8%
Operating result€-16k-€-55k▼ 249%€-20k▲ 64.2%€-23k▼ 15.1%€-41k▼ 77.2%
Net result€-10k-€-55k▼ 435%€-20k▲ 64.1%€-22k▼ 13.0%€-40k▼ 78.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2024 against €23k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €323k
Fixed assets
€181k▼ 5.6%
Current assets
€142k▼ 6.9%
Equity and liabilities €323k
Equity
€47k▼ 45.8%
Debt
€277k▲ 7.0%
The debt ratio rises from 74.9% to 85.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2023 · €-2k
Cash flow
€-17k▼
2023 · €-1k
Solvency
14.5%▼
2023 · 25.1%
Current ratio
0.77▼
2023 · 0.93
Quick ratio
0.77▼
2023 · 0.93
Debt / equity
5.91▲
2023 · 2.99
ROE
-84.6%▼
2023 · -25.6%
ROA
-12.2%▼
2023 · -6.4%
Interest coverage
-4.56▼
2023 · -0.45
Debt
€277k▲
2023 · €258k
Debt ≤ 1 year
€184k▲
2023 · €164k
Debt > 1 year
€70k▼
2023 · €74k
Income taxes
€174▲
2023 · €164
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€345k€323k▼
Fixed assets21/28€192k€181k▼
Tangible fixed assets22/27€192k€181k▼
Land and buildings22€189k€172k▼
Plant, machinery and equipment23€3k€9k▲
Current assets29/58€153k€142k▼
Amounts receivable within one year40/41€152k€141k▼
Trade receivables40€23k€12k▼
Other amounts receivable41€128k€130k▲
Cash at bank and in hand54/58€543€1k▲
Deferred charges and accrued income490/1€640€0▼
Equity and liabilities
Total equity and liabilities10/49€345k€323k▼
Equity10/15€86k€47k▼
Contributions10/11€12k€12k=
Reserves13€195k€195k=
Distributable reserves133€195k€195k=
Profit (loss) carried forward14€-121k€-160k▼
Amounts payable17/49€258k€277k▲
Amounts payable after more than one year17€74k€70k▼
Financial debts170/4€74k€70k▼
Amounts payable within one year42/48€164k€184k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€628€174▼
Taxes450/3€628€174▼
Other amounts payable47/48€156k€178k▲
Accrued charges and deferred income492/3€20k€23k▲
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€229€-16k▼
Operating profit (loss)9901€-23k€-41k▼
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€-22k€-39k▼
Income taxes67/77€164€174▲
Profit (loss) for the period9904€-22k€-40k▼
Profit (loss) for the period to be appropriated9905€-22k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-121k€-160k▼
Profit (loss) brought forward from the previous period14P€-98k€-121k▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 83 days late
2023
13-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 99 days late
2021
31-12
Financial
Weakest financial yearnet €-55k
Net result drops to €-55k, the lowest in the series; recovery starts the following year.
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 136 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hasselt
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.
Pietelbeekstraat 503500 HasseltGround area
123 m²
Building footprint
147 m²
Parcel 71328D0835/00B000, Flanders. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0835/00B000 | Flanders | 123 m² | 1 · 147 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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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,782 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.