BEMS Consulting
ActiveBEMS Consulting has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €273k and a net result of €93k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 9384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.9 against 3.78 in 2024), and 24.3% 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
75.7%
Return on assets
25.9%
Age of the figures
8 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
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
28 d late
2023
6 d late
2022
32 d late
2021
6 d late
2020
8 d early
2019
11 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€273k▲ 11.7%
2024 · €244k
2018: €8k
2019: €8k
2020: €9k
2021: €98k
2022: €176k
2023: €182k
2024: €244k
2018 → 2025
Total assets
€360k▲ 11.3%
2024 · €324k
2018: €207k
2019: €44k
2020: €114k
2021: €116k
2022: €193k
2023: €257k
2024: €324k
2018 → 2025
Net result
€93k▼ 25.4%
2024 · €125k
2018: €84k
2019: €85k
2020: €90k
2021: €89k
2022: €77k
2023: €100k
2024: €125k
2018 → 2025
Working capital
€253k▲ 14.9%
2024 · €221k
2018: €4k
2019: €5k
2020: €7k
2021: €96k
2022: €154k
2023: €164k
2024: €221k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€176k▲ 78.6%€182k▲ 3.4%€244k▲ 34.5%€273k▲ 11.7%
Operating result€114k-€98k▼ 14.0%€135k▲ 36.9%€167k▲ 23.9%€126k▼ 24.4%
Net result€89k-€77k▼ 13.6%€100k▲ 28.8%€125k▲ 25.6%€93k▼ 25.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €360k
Fixed assets
€19k▼ 18.2%
Current assets
€341k▲ 13.6%
Equity and liabilities €360k
Equity
€273k▲ 11.7%
Debt
€87k▲ 10.2%
The debt ratio falls from 24.5% to 24.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€132k▼
2024 · €173k
Cash flow
€99k▼
2024 · €131k
Solvency
75.7%▲
2024 · 75.5%
Current ratio
3.90▲
2024 · 3.78
Quick ratio
3.90▲
2024 · 3.78
Debt / equity
0.32▼
2024 · 0.32
ROE
34.2%▼
2024 · 51.2%
ROA
25.9%▼
2024 · 38.6%
Interest coverage
464.00▼
2024 · 815.69
Debt
€87k▲
2024 · €79k
Debt ≤ 1 year
€87k▲
2024 · €79k
Income taxes
€33k▼
2024 · €42k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€324k€360k▲
Fixed assets21/28€24k€19k▼
Tangible fixed assets22/27€22k€18k▼
Land and buildings22€11k€11k▼
Plant, machinery and equipment23€130-
Furniture and vehicles24€12k€8k▼
Financial fixed assets28€1k€1k=
Current assets29/58€300k€341k▲
Amounts receivable within one year40/41€43k€33k▼
Trade receivables40€40k€15k▼
Other amounts receivable41€3k€17k▲
Cash at bank and in hand54/58€256k€308k▲
Deferred charges and accrued income490/1€490€486▼
Equity and liabilities
Total equity and liabilities10/49€324k€360k▲
Equity10/15€244k€273k▲
Contributions10/11€19k€19k=
Reserves13€2k€254k▲
Distributable reserves133€2k€254k▲
Profit (loss) carried forward14€224k-
Amounts payable17/49€79k€87k▲
Amounts payable within one year42/48€79k€87k▲
Trade debts44€1k€435▼
Suppliers440/4€1k€435▼
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€16k€12k▼
Other amounts payable47/48€62k€75k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€727€527▼
Gross operating margin9900€173k€133k▼
Operating profit (loss)9901€167k€126k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€212€285▲
Recurring financial charges65€212€285▲
Profit (loss) for the period before taxes9903€167k€126k▼
Income taxes67/77€42k€33k▼
Profit (loss) for the period9904€125k€93k▼
Profit (loss) for the period to be appropriated9905€125k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€286k€317k▲
Profit (loss) brought forward from the previous period14P€161k€224k▲
Transfer from equity791/2-€65k
Transfer to equity691/2-€317k
To other reserves6921-€317k
Profit to be distributed694/7€62k€65k▲
Return on contributions (dividend)694€62k€65k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €125k ▲25.6%
Operating result €167k, net result €125k, both a record.
31-12
Financial
Equity above €200kEq €244k ▲34.5%
7 profitable years in a row build equity to €244k.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €77k ▼13.6%
Net result drops to €77k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €176k ▲78.6%
5 profitable years in a row build equity to €176k.
06-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 6 days late
2021
31-12
Financial
Liquidity times 6current ratio 6.32
Current ratio from 1.06 to 6.32; short-term debt falls from €105k to €18k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waterloo · 1 establishment unit since 2015
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.
Clos Las Cases 101410 WaterlooGround area
1,250 m²
Building footprint
195 m²
Volume, LiDAR
1,355 m³
2 parcels, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BEMS Consulting
since 20152.240.891.327
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764Q0289/00A002 | Wallonia | 1,099 m² | 1 · 139 m² | 7.7 m · 2 fl. |
| 25762F0084/00B000 | Wallonia | 151 m² | 1 · 56 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,505 companies in sector 71121 we hold annual accounts for 6,525. 4,906 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2015
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.