BEMM GROUP
ActiveSummary
BEMM GROUP has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57,886 and a net result of €25,948. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+40
Growth32=
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 9.37 against 1.3 in 2024; short-term debt: 10.3% and cash: 3.8% of total assets), and 10.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
89.7%
Return on assets
40.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 4 filingsDeviation from the deadline
2025
4 d late
2024
96 d late
2022
170 d late
2021
76 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 87 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€57,886▲ 81.2%
2024 · €31,938
Total assets
€64,552▼ 29.3%
2024 · €91,260
Net result
€25,948
2024 · -€43,410
Working capital
€55,810▲ 214%
2024 · €17,762
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
Line2021202220242025
Operating result€91,847-€26,817▼ 70.8%-€41,018-€23,205
Net result€73,308-€20,802▼ 71.6%-€43,410-€25,948
Equity€75,308-€96,110▲ 27.6%€31,938-€57,886▲ 81.2%
Total assets€371,415-€307,284▼ 17.3%€91,260-€64,552▼ 29.3%
Debt€296,107-€211,174▼ 28.7%€59,322-€6,667▼ 88.8%
Working capital€52,117-€66,042▲ 26.7%€17,762-€55,810▲ 214%
Staff (FTE)0.6
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 returns to profit in 2025: €23,205 after a loss of €41,018 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64,552
Fixed assets
€2,076 ▼ 85.4%
Current assets
€62,476 ▼ 19.0%
Equity and liabilities €64,552
Equity
€57,886 ▲ 81.2%
Debt
€6,667 ▼ 88.8%
Debt's share of the balance-sheet total falls from 65.0% to 10.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25,334▲
2024 · -€36,778
Cash flow
€28,077▲
2024 · -€39,169
Current ratio
9.37▲
2024 · 1.30
Debt to equity
0.12▼
2024 · 1.86
ROE
44.8%▲
2024 · -135.9%
ROA
40.2%▲
2024 · -47.6%
Interest coverage
59.97▲
2024 · -71.30
Debt ≤ 1 year
€6,667▼
2024 · €59,322
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% 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%.
| 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 26,964 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 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €183 | €6,488 | €287 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,056 | €5,210 | €4,241 | €2,129 | ▼ 49.8% |
| Other operating charges640/8 | €261 | €2,042 | €1,345 | €434 | ▼ 67.7% |
| Non-recurring operating charges66A | - | - | €2,882 | €2,280 | ▼ 20.9% |
| Gross operating margin9900 | €94,346 | €40,557 | -€32,263 | €28,048 | ▲ 187% |
| Operating profit (loss)9901 | €91,847 | €26,817 | -€41,018 | €23,205 | ▲ 157% |
| Financial income75/76B | €55 | €0 | €1 | €3,166 | ▲ 395,655% |
| Recurring financial income75 | €55 | €0 | €1 | €3,166 | ▲ 395,655% |
| Financial charges65/66B | €346 | €779 | €516 | €422 | ▼ 18.1% |
| Recurring financial charges65 | €346 | €779 | €516 | €422 | ▼ 18.1% |
| Profit (loss) for the period before taxes9903 | €91,555 | €26,038 | -€41,533 | €25,948 | ▲ 162% |
| Income taxes67/77 | €18,247 | €5,237 | €1,877 | - | - |
| Profit (loss) for the period9904 | €73,308 | €20,802 | -€43,410 | €25,948 | ▲ 160% |
| Profit (loss) for the period to be appropriated9905 | €73,308 | €20,802 | -€43,410 | €25,948 | ▲ 160% |
| Line | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €371,415 | €307,284 | €91,260 | €64,552 | ▼ 29.3% |
| Formation expenses20 | €584 | €254 | - | €0 | - |
| Fixed assets21/28 | €22,606 | €29,814 | €14,175 | €2,076 | ▼ 85.4% |
| Intangible fixed assets21 | €1,926 | €8,198 | €4,082 | €2,076 | ▼ 49.1% |
| Tangible fixed assets22/27 | €7,812 | €8,748 | €3,559 | €0 | ▼ 100% |
| Land and buildings22 | €236 | €648 | €95 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | €6,924 | €7,624 | €3,439 | €0 | ▼ 100% |
| Furniture and vehicles24 | €652 | €475 | €25 | €0 | ▼ 100% |
| Financial fixed assets28 | €12,868 | €12,868 | €6,534 | - | - |
| Current assets29/58 | €348,224 | €277,216 | €77,084 | €62,476 | ▼ 19.0% |
| Stocks and contracts in progress3 | €146,959 | €68,201 | - | - | - |
| Stocks30/36 | €146,959 | €68,201 | - | - | - |
| Amounts receivable within one year40/41 | €166,176 | €192,752 | €77,084 | €60,007 | ▼ 22.2% |
| Trade receivables40 | €163,372 | €190,920 | €71,950 | - | - |
| Other amounts receivable41 | €2,804 | €1,833 | €5,135 | €60,007 | ▲ 1,069% |
| Cash at bank and in hand54/58 | €34,986 | €15,490 | - | €2,470 | - |
| Deferred charges and accrued income490/1 | €103 | €773 | - | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €371,415 | €307,284 | €91,260 | €64,552 | ▼ 29.3% |
| Equity10/15 | €75,308 | €96,110 | €31,938 | €57,886 | ▲ 81.2% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | - | - | - | €55,886 | - |
| Distributable reserves133 | - | - | - | €55,886 | - |
| Profit (loss) carried forward14 | €73,308 | €94,110 | €29,938 | €0 | ▼ 100% |
| Amounts payable17/49 | €296,107 | €211,174 | €59,322 | €6,667 | ▼ 88.8% |
| Amounts payable within one year42/48 | €296,107 | €211,174 | €59,322 | €6,667 | ▼ 88.8% |
| Financial debts43 | €36 | €36 | €16 | - | - |
| Credit institutions430/8 | €36 | €36 | €16 | - | - |
| Trade debts44 | €189,991 | €106,437 | €48,728 | €4,047 | ▼ 91.7% |
| Suppliers440/4 | €189,991 | €106,437 | €48,728 | €4,047 | ▼ 91.7% |
| Advances received on contracts in progress46 | €1,284 | €633 | - | - | - |
| Taxes, remuneration and social security45 | €98,331 | €100,732 | €3,649 | €2,620 | ▼ 28.2% |
| Taxes450/3 | €81,098 | €91,697 | - | €2,620 | - |
| Remuneration and social security454/9 | €17,233 | €9,034 | €3,649 | - | - |
| Other amounts payable47/48 | €6,464 | €3,336 | €6,930 | - | - |
| Line | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €73,308 | €20,802 | -€43,410 | €25,948 | ▲ 160% |
| + Depreciation and write-downs630 | €2,056 | €5,210 | €4,241 | €2,129 | ▼ 49.8% |
| Operating cash flow (approximation) | €75,363 | €26,012 | -€39,169 | €28,077 | ▲ 172% |
| Investment in fixed assets (approximation) | - | -€12,418 | - | €9,970 | - |
| Change in cash | - | -€19,496 | - | - | - |
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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Back to profitnet €25,948
Net result €25,948 after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 9.37
Current ratio from 1.30 to 9.37; short-term debt falls from €59,322 to €6,667.
04-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 96 days late
2024
31-12
Financial
Weakest financial yearnet -€43,410
Net result drops to -€43,410, the lowest in the series; recovery starts the following year.
17-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 170 days late
2022
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 76 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Heusden-Zolder · 1 establishment unit since 2020
Ground area
4,915 m²
Building footprint
1,385 m²
Volume, LiDAR
11,465 m³
Parcel 71502C0656/00E000, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BEMM GROUP
since 20202.308.425.004
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502C0656/00E000 | Flanders | 4,915 m² | 1 · 1,385 m² | 9.8 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 540 EUR awarded · 540 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 540 EUR | 540 EUR |
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Of 12,956 companies in sector 47120 we hold annual accounts for 2,192. 1,527 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-10-2020
Fiscal year end31-12
Trade name NL
BEMM
Activities, NACEBEL 2025
47120Other non-specialised retail sale
73300Public relations and communication consultancy
Contact
E-mail
info@bemmgroup.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0755897046
Also
9925:BE0755897046
Registered
15-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.