Summary
BEMO HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.3m and a net result of -€145,746. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 2451 sector peers (fiscal year 2025). The company has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
28 d early
2023
328 d late
2022
234 d late
2021
151 d late
2020
68 d late
2019
31 d late
← 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 110 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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. Usually files around 29 December (4 of the last 5 filed years within 178 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#5 oldest company in Elsene, Finance and insurance sector
Equity
€4.3m▼ 3.3%
2024 · €4.4m
Net result
-€145,746
2024 · €785,555
Total assets
€4.3m▼ 3.5%
2024 · €4.5m
Solvency
99.2%▲ 0.2pp
2024 · 99.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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-€29,345▲ 49.8%-€13,779▲ 53.0%-€16,906▼ 22.7%-€113,433▼ 571%-€23,461▲ 79.3%
Net result-€365,593below the sector's middle half▼ 35.5%€537,301within the sector's middle half€902,582within the sector's middle half▲ 68.0%€785,555within the sector's middle half▼ 13.0%-€145,746below the sector's middle half
Equity€2.2mwithin the sector's middle half▼ 14.3%€2.7mwithin the sector's middle half▲ 24.6%€3.6mwithin the sector's middle half▲ 33.2%€4.4mwithin the sector's middle half▲ 21.7%€4.3mwithin the sector's middle half▼ 3.3%
Total assets€2.2mwithin the sector's middle half▼ 66.4%€2.7mwithin the sector's middle half▲ 24.2%€3.6mwithin the sector's middle half▲ 33.4%€4.5mwithin the sector's middle half▲ 22.1%€4.3mwithin the sector's middle half▼ 3.5%
Debt€19,871▼ 99.5%€14,987▼ 24.6%€25,533▲ 70.4%€45,538▲ 78.3%€35,291▼ 22.5%
Working capital€8,629within the sector's middle half-€6,352within the sector's middle half-€25,533within the sector's middle half▼ 302%€1.1mwithin the sector's middle half€1.1mwithin the sector's middle half▼ 2.3%
Solvency99.1%above the sector's middle half▲ 60.2pp99.5%above the sector's middle half▲ 0.4pp99.3%above the sector's middle half▼ 0.2pp99.0%above the sector's middle half▼ 0.3pp99.2%above the sector's middle half▲ 0.2pp
Current ratio1.43within the sector's middle half▲ 1.230.54within the sector's middle half▼ 0.900.00below the sector's middle half▼ 0.5425.33above the sector's middle half▲ 25.3331.67above the sector's middle half▲ 6.34
Return on assets (ROA)-16.6%below the sector's middle half▼ 12.5pp19.6%above the sector's middle half▲ 36.2pp24.7%above the sector's middle half▲ 5.1pp17.6%above the sector's middle half▼ 7.1pp-3.4%below the sector's middle half▼ 21.0pp
Staff (FTE)0below the sector's middle half0below the sector's middle half0below the sector's middle half0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €23,461 in 2025 against €113,433 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.3m
Fixed assets
€3.2m ▼ 3.6%
Current assets
€1.1m ▼ 3.1%
Equity and liabilities €4.3m
Equity
€4.3m ▼ 3.3%
Debt
€35,291 ▼ 22.5%
Debt's share of the balance-sheet total falls from 1.0% to 0.8%. Equity and debt are lower.
Key figures and ratios
ROE
-3.4%▼
2024 · 17.8%
Debt ≤ 1 year
€35,291▼
2024 · €45,538
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | €1,519 | €968 | €2,321 | ▲ 140% |
| Gross operating margin9900 | -€29,345 | -€13,779 | -€15,386 | -€112,465 | -€21,141 | ▲ 81.2% |
| Operating profit (loss)9901 | -€29,345 | -€13,779 | -€16,906 | -€113,433 | -€23,461 | ▲ 79.3% |
| Financial income75/76B | €2.7m | €553,540 | €921,763 | €1.8m | €0 | ▼ 100% |
| Recurring financial income75 | €1,110 | €0 | €1,258 | €0 | €0 | - |
| Non-recurring financial income76B | €2.7m | €553,540 | €920,505 | €1.8m | €0 | ▼ 100% |
| Financial charges65/66B | €3.0m | €2,461 | €2,275 | €882,888 | €122,284 | ▼ 86.1% |
| Recurring financial charges65 | €285,862 | €2,461 | €2,275 | €3,308 | €2,090 | ▼ 36.8% |
| Non-recurring financial charges66B | €2.7m | €0 | - | €879,580 | €120,194 | ▼ 86.3% |
| Profit (loss) for the period before taxes9903 | -€365,593 | €537,301 | €902,582 | €785,555 | -€145,746 | ▼ 119% |
| Income taxes67/77 | €0 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€365,593 | €537,301 | €902,582 | €785,555 | -€145,746 | ▼ 119% |
| Profit (loss) for the period to be appropriated9905 | -€365,593 | €537,301 | €902,582 | €785,555 | -€145,746 | ▼ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.2m | €2.7m | €3.6m | €4.5m | €4.3m | ▼ 3.5% |
| Fixed assets21/28 | €2.2m | €2.7m | €3.6m | €3.3m | €3.2m | ▼ 3.6% |
| Financial fixed assets28 | €2.2m | €2.7m | €3.6m | €3.3m | €3.2m | ▼ 3.6% |
| Current assets29/58 | €28,500 | €7,376 | €0 | €1.2m | €1.1m | ▼ 3.1% |
| Amounts receivable within one year40/41 | - | - | - | €800,000 | €800,000 | = |
| Other amounts receivable41 | - | - | - | €800,000 | €800,000 | = |
| Cash at bank and in hand54/58 | €28,500 | €7,376 | €0 | €353,396 | €317,598 | ▼ 10.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.2m | €2.7m | €3.6m | €4.5m | €4.3m | ▼ 3.5% |
| Equity10/15 | €2.2m | €2.7m | €3.6m | €4.4m | €4.3m | ▼ 3.3% |
| Contributions10/11 | €14.9m | €14.9m | €14.9m | €14.9m | €14.9m | = |
| Capital10 | €14.9m | €14.9m | €14.9m | €14.9m | €14.9m | = |
| Issued capital100 | €14.9m | €14.9m | €14.9m | €14.9m | €14.9m | = |
| Reserves13 | €734,852 | €734,852 | €734,852 | €734,852 | €734,852 | = |
| Non-distributable reserves130/1 | €734,852 | €734,852 | €734,852 | €734,852 | €734,852 | = |
| Legal reserve130 | €687,023 | €687,023 | €687,023 | €687,023 | €687,023 | = |
| Reserves not available under the articles1311 | €47,829 | €47,829 | €47,829 | €47,829 | €47,829 | = |
| Profit (loss) carried forward14 | -€13.4m | -€12.9m | -€12.0m | -€11.2m | -€11.3m | ▼ 1.3% |
| Amounts payable17/49 | €19,871 | €14,987 | €25,533 | €45,538 | €35,291 | ▼ 22.5% |
| Amounts payable within one year42/48 | €19,871 | €13,729 | €25,533 | €45,538 | €35,291 | ▼ 22.5% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | - | - | - |
| Financial debts43 | - | - | €2,842 | €0 | - | - |
| Credit institutions430/8 | - | - | €2,842 | €0 | - | - |
| Trade debts44 | €18,783 | €12,641 | €22,690 | €45,538 | €35,291 | ▼ 22.5% |
| Suppliers440/4 | €18,783 | €12,641 | €22,690 | €45,538 | €35,291 | ▼ 22.5% |
| Taxes, remuneration and social security45 | €1,088 | €1,088 | €0 | - | - | - |
| Taxes450/3 | €1,088 | €1,088 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €0 | €1,258 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€365,593 | €537,301 | €902,582 | €785,555 | -€145,746 | ▼ 119% |
| Operating cash flow (approximation) | -€365,593 | €537,301 | €902,582 | €785,555 | -€145,746 | ▼ 119% |
| Investment in fixed assets (approximation) | - | -€553,540 | -€920,505 | €347,836 | €120,194 | ▼ 65.4% |
| Change in cash | - | -€21,123 | -€7,376 | €353,396 | -€35,798 | ▼ 110% |
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 328 days late
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 234 days late
2023
31-12
Financial
Highest result since 2018net €902,582 ▲68%
Net result €902,582, the highest in the series.
2022
31-12
Financial
Back to profitnet €537,301
Net result €537,301 after 4 loss-making years.
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 151 days late
2021
31-12
Financial
Liquidity times 7current ratio 1.43
Current ratio from 0.21 to 1.43; short-term debt falls from €4.0m to €19,871.
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 68 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet -€5.4m
Net result drops to -€5.4m, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Elsene · 1 establishment unit since 1973
Ground area
2,584 m²
Building footprint
2,088 m²
Volume, LiDAR
50,062 m³
2 parcels, Brussels · tallest building 33.9 m, ±9 floors. Linked by address, not a title deed.
35
companies at this address
See who is registered here
1 establishment unit
Establishment
since 19732.037.282.783
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0001/00L000 | Brussels | 1,625 m² | 1 · 1,286 m² | 33.9 m · 9 fl. |
| 21807G0049/00C000 | Brussels | 959 m² | 1 · 802 m² | 33.2 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
17.65%
According to the 2025 annual accounts of BEMO HOLDING and those 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
Legal Entity Identifier
5493002O45RIGIQRD104
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 8,652 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded14-05-1973
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Not found in the Peppol register
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Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.