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BEMCO-ECO

Active
Private limited companyfounded 20233 yrs activeRue Louis Braille 13, 1402 Nivelles, BelgiumKBO/BCE: BE 0801.984.320
Summary

BEMCO-ECO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€43,922) and a net result of €85,096. Its solvency ranks better than 8% of 6032 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisWatch ReportCompare
BEMCO-ECOActiveChecked score 55/100
Risk analysis ReportCompare

Overview

Activity
Agents in the wholesale of timber and building materials
NACE 46130NACE 46742Wholesale trade NACE 46842
1 site
Size
€3.6mtotal assets 2025
Staff
2.8 FTE
Equity
-€43,922
Profit
€85,096
Financial health
55 Fair Checked score 2025
Bankruptcy chance 12 m
1.3%
Structure
Accounts 1 d early1 of 5 deeds read
Why 55Capped at 59: negative equity- Negative equity -€43,922- Liquidity: current ratio 0.95, cash €77,500+ Size: 2.8 FTE, total assets €3.6m+ Figures for FY 2025 (filed 29-04-2026)Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 42% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 24+9
equity -1.2% of total assets
Liquidity 3-1
short-term debt 101.2% · cash 2.2%
Profitability 72+66
return on assets 2.4%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 4.6% 12-2024: 4.6%● 0.0% vs 11-2024 01-2025: 4.8%▲ +4.1% vs 12-2024 02-2025: 4.8%▼ -0.7% vs 01-2025 03-2025: 4.8%● 0.0% vs 02-2025 04-2025: 5.1%▲ +6.5% vs 03-2025highest value 05-2025: 2.7%▼ -47.2% vs 04-2025 06-2025: 2.7%● 0.0% vs 05-2025 07-2025: 2.7%● 0.0% vs 06-2025 08-2025: 2.7%● 0.0% vs 07-2025 09-2025: 2.7%● 0.0% vs 08-2025 10-2025: 2.7%▼ -0.6% vs 09-2025 11-2025: 2.7%● 0.0% vs 10-2025 12-2025: 2.7%● 0.0% vs 11-2025 01-2026: 3.1%▲ +15.3% vs 12-2025 02-2026: 3.4%▲ +8.7% vs 01-2026 03-2026: 3.5%▲ +3.6% vs 02-2026 04-2026: 3.6%▲ +4.6% vs 03-2026 05-2026: 2.2%▼ -39.9% vs 04-2026 06-2026: 2.2%● 0.0% vs 05-2026 07-2026: 1.3%▼ -41.9% vs 06-2026lowest value 08-2026: 1.3%● 0.0% vs 07-2026lowest value 09-2026: 1.3%▲ +1.0% vs 08-2026 10-2026: 1.3%● 0.0% vs 09-2026
  • Size: 2.8 FTE, total assets €3.6m lowers the probability for this profile
  • Negative equity -€43,922 raises the probability
  • Figures for FY 2025 (filed 29-04-2026) lowers the probability
  • Liquidity: current ratio 0.95, cash €77,500 raises the probability
No credit on open account
Liquidity short (current ratio 0.95 against 0.91 in 2024; short-term debt: 101.2% and cash: 2.2% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 16%, liquidity 6%, profitability 57%, growth against the median 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: 2.8 FTE, total assets €3.6m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€43,922
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 29-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.95, cash €77,500
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 6032 sector peers (2025).
NBB · sector comparison
Position among 6032 sector peers
Solvency
better than 8%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
1 d early
2024
7 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-09-2026 close05-10-2026 today30-04-2027 deadline
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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Purpose · Statutes amendmentIncorporation · Agenda · Purpose…
  3. Back to profitnet €85,096

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€43,922 View
  • Caution: Among the weakest 6% on equitysector median €1.6m · 5,971 companies -€43,922 View
  • Positive: Back in profit in 2025after -€135,018 in 2024 €85,096 View

By topic

Financials

Fiscal year
2025
Total assets
€3.6m
Profit
€85,096
Solvency
-1.2%
Total assets▲ 165%
Net result
20242025
Go to Financials

Timeline

Events
4
Since
2025
Next accounts
by 30-04-2027
  1. 29-04-2026Annual accounts filed
  2. 27-02-2026Purpose · Statutes amendment
  3. 30-09-2025Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Agents in the wholesale of timber and building…NACE 46130
Founded
23-05-2023
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
3
Financial year
From 1 January to 31 December
Annual meeting
Last Friday of June at 18:00
Purpose
Toutes activités relatives à l’entreprise de chauffage, conditionnement d’air et…
Go to Articles of association

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