Debts
€34,060 87% of the balance sheet
Suppliers 4%Taxes and wages 10%Other 86%
BeMo expertises
Lifetime
2 annual accounts with figures on one time axispeak €15,196 (2024)
-€317▼ €15,513
lowest -€10,105 (2025)
-€10,105▼ €20,230
peak €15,125 (2024)
€5,021▼ 66.8%
€34,060▲ 21.9%
Board1 name since 2023
1 directorMOERMANS Ben
Documentsfilings and deeds
01-07-202630 days before the deadline
2025abbreviated format
Gross margin from €15,196 to -€317Loss of €10,105Equity from €15,125 to €5,021Debts from €27,939 to €34,060Cash from €18,020 to €37,250
Key points
from the 2025 annual accountsStarting capital
€5,000 100 shares
Position in the sector
€5,021
Less equity than 81% of companies in real estate. Sector median €300,201 · 11,304 companies.
Turnover not published (abbreviated or micro format)
Checked score
54
Fair
Financially stronger than 26% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2025: 0.7%
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.8%▲ +0.1 percentage points vs 04-2025
06-2025: 0.9%▲ +0.1 percentage points vs 05-2025highest value
07-2025: 0.2%▼ -0.7 percentage points vs 06-2025lowest value
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Equity €5,021 (12.8% of total assets)
lowers risk
Sector: Real estate activities (NACE 68)
Liquidity: current ratio 1.15, cash €37,250
Size: total assets €39,081
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 34% of them on solvency, 58% on liquidity, 4% on profitability and 9% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,207 companies had the same profile as BeMo expertises has now. Each dot stands for 4 companies, two years later.
90.1%
were still trading
4.6%
stopped another way
4.6%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BeMo expertises itself is lower: 0.3% within 12 months. It rests on far more data about BeMo expertises than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,207 companies, not a prediction for BeMo expertises. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.15 (1.25 in 2024), below the usual 1.5. Short-term debt is 87.2% and cash 95.3% of total assets. 87.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
30 days early
2024
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 31 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1003839241
Incorporation
Founding capital of €5,000, 100 shares · Founder: MOERMANS Ben · Appointment: MOERMANS Ben (director) · published on 28-12-2023 · Gazette deed
First establishment
Langstraat 18 A, Wellen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BeMo expertises Wellen | €39,081 | -€317 | 12.8% | - |
| B-Connected Solutions Wavre | €72,975 | -€34,884 | -151.5% | - |
| Tvds Invest Perwez | €48,242 | -€8,419 | -29.2% | - |
| EXPERT BERTRAND Watermael-Boitsfort | €29,565 | €2,292 | 75.8% | - |
| Greindl Invest La Bruyère | €21,372 | -€27,756 | -372.1% | - |
| Safe Transactions Antwerp | €84,624 | -€30,802 | -49.9% | - |
| NBA EXPERTISE Oupeye | €16,674 | -€4,816 | -7.7% | - |
These companies have the same main activity as BeMo expertises: real estate appraisal on a fee or contract basis (NACE 68322). They are comparable in size and age: total assets between €16,700 and €84,600, founded between 2021 and 2024.
Official details
Source: KBO- Status
- Active since 22-12-2023Normal situation
- Activity
- Real estate appraisal on a fee or contract basisNACE 68322and 4 others
- Establishment unit
- 2.353.501.5953830 Wellen, since 22-12-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 27-04-2024
Annual accounts 2025
- €39,081▼ 9.2%
- ≈ 0 FTEestimated
- Filing
- Filed on 01-07-2026, 30 days before the end of the filing period
Insights on BeMo expertises
The annual accounts of BeMo expertises for financial year 2025 show a net loss of 67% of the equity at the start of that year. The 2025 annual accounts show equity of €5,021 and a net result of -€10,105.
Its solvency ranks better than 32% of 11,299 sector peers (NACE 68, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BeMo expertises
- What is the company number of BeMo expertises?
- The company number of BeMo expertises is 1003.839.241. The VAT number is the same number with BE in front: BE 1003.839.241.
- Where is BeMo expertises based?
- The registered office is at Langstraat 18 A, 3830 Wellen.Company details
- What does BeMo expertises do?
- According to the KBO register, the main activity is real estate appraisal on a fee or contract basis (NACE 68322).
- What is the legal form of BeMo expertises?
- BeMo expertises is a private limited company (BV).
- When was BeMo expertises founded?
- BeMo expertises was founded on 22-12-2023.
- Is BeMo expertises still active?
- Yes, BeMo expertises is an active enterprise in the KBO register.
- What is the turnover of BeMo expertises?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is BeMo expertises profitable?
- In financial year 2025, BeMo expertises made a loss of €10,105.
- Where can I find the annual accounts of BeMo expertises?
- BeMo expertises filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BeMo expertises due?
- BeMo expertises must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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