BEMS PROFESSIONAL SOLUTIONS
ActiveBEMS PROFESSIONAL SOLUTIONS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €29k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-21
Solvency44▼-38
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 2.56 in 2024; short-term debt: 24.2% and cash: 10% of total assets), and 81.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
18.9%
Return on assets
4.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
31 d early
2023
29 d late
2022
31 d late
2021
29 d late
2020
30 d late
2019
61 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▲ 17.7%
2024 · €95k
2018: €29k
2019: €38k
2020: €42k
2021: €67k
2022: €106k
2023: €60k
2024: €95k
2018 → 2025
Total assets
€592k▲ 256%
2024 · €166k
2018: €68k
2019: €95k
2020: €84k
2021: €157k
2022: €187k
2023: €234k
2024: €166k
2018 → 2025
Net result
€29k▼ 20.3%
2024 · €36k
2018: €4k
2019: €19k
2020: €14k
2021: €26k
2022: €40k
2023: €54k
2024: €36k
2018 → 2025
Working capital
€34k▼ 50.9%
2024 · €69k
2018: €24k
2019: €23k
2020: €35k
2021: €63k
2022: €38k
2023: €21k
2024: €69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€106k▲ 57.4%€60k▼ 43.3%€95k▲ 58.6%€112k▲ 17.7%
Operating result€32k-€47k▲ 47.9%€71k▲ 50.6%€48k▼ 31.8%€35k▼ 27.5%
Net result€26k-€40k▲ 54.4%€54k▲ 37.3%€36k▼ 33.5%€29k▼ 20.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €592k
Fixed assets
€415k▲ 681%
Current assets
€177k▲ 56.5%
Equity and liabilities €592k
Equity
€112k▲ 17.7%
Provisions
€18k▲ 7.2%
Debt
€462k▲ 748%
The debt ratio rises from 32.8% to 78.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▼
2024 · €71k
Cash flow
€56k▼
2024 · €59k
Solvency
18.9%▼
2024 · 57.1%
Current ratio
1.24▼
2024 · 2.56
Quick ratio
1.15▼
2024 · 2.09
Debt / equity
4.13▲
2024 · 0.57
ROE
25.7%▼
2024 · 38.0%
ROA
4.9%▼
2024 · 21.7%
Interest coverage
13.07▼
2024 · 24.40
Debt
€462k▲
2024 · €55k
Debt ≤ 1 year
€143k▲
2024 · €44k
Debt > 1 year
€319k▲
2024 · €10k
Income taxes
€3k▼
2024 · €9k
Staff costs
€23k▼
2024 · €40k
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€166k€592k▲
Fixed assets21/28€53k€415k▲
Tangible fixed assets22/27€53k€415k▲
Land and buildings22-€380k
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€32k€21k▼
Other tangible fixed assets26€11k€5k▼
Current assets29/58€113k€177k▲
Stocks and contracts in progress3€20k€12k▼
Stocks30/36€20k€12k▼
Amounts receivable within one year40/41€15k€93k▲
Trade receivables40€5k€2k▼
Other amounts receivable41€10k€91k▲
Cash at bank and in hand54/58€67k€59k▼
Deferred charges and accrued income490/1€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€166k€592k▲
Equity10/15€95k€112k▲
Contributions10/11€19k€19k=
Reserves13€76k€93k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€75k€91k▲
Provisions and deferred taxes16€17k€18k▲
Provisions for liabilities and charges160/5€17k€18k▲
Environmental obligations163€17k€18k▲
Amounts payable17/49€55k€462k▲
Amounts payable after more than one year17€10k€319k▲
Financial debts170/4€10k€319k▲
Amounts payable within one year42/48€44k€143k▲
Current portion of amounts payable after more than one year42€9k€27k▲
Trade debts44€13k€8k▼
Suppliers440/4€13k€8k▼
Advances received on contracts in progress46€11k€18k▲
Taxes, remuneration and social security45€3k€358▼
Taxes450/3€76€358▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€8k€91k▲
Income statement
Code20242025
Remuneration, social security and pensions62€40k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€27k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€2k€1k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€116k€88k▼
Operating profit (loss)9901€48k€35k▼
Financial income75/76B€274€2k▲
Recurring financial income75€274€2k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€46k€32k▼
Income taxes67/77€9k€3k▼
Profit (loss) for the period9904€36k€29k▼
Profit (loss) for the period to be appropriated9905€36k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€29k▼
Transfer to equity691/2€35k€17k▼
To other reserves6921€35k€17k▼
Profit to be distributed694/7€1k€12k▲
Return on contributions (dividend)694€1k€12k▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €100kEq €112k ▲17.7%
8 profitable years in a row build equity to €112k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.56
Current ratio from 1.15 to 2.56; short-term debt falls from €139k to €44k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €54k ▲37.3%
Operating result €71k, net result €54k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €106k ▲57.4%
5 profitable years in a row build equity to €106k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lommel · 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.
Kerkhovensesteenweg 1943920 LommelGround area
2,560 m²
Building footprint
282 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
BEMS PROFESSIONAL SOLUTIONS
since 20152.248.288.863
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72343E0939/00Y003 | Flanders | 1,922 m² | 1 · 282 m² | - |
| 72020C1399/00H012 | Flanders | 638 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 715 EUR awarded · 715 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 215 EUR | 215 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Stagebonus (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
5 live approvals · 5 endedMonteur sanitaire en verwarmingsinstallaties duaal (so)
Sanitaire en verwarmingsinstallaties duaal (so)
Technicus installatietechnieken (vwo)
Technicus installatietechnieken duaal (so)
Vakman installatietechnieken (vwo)
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VANDECAVEYE CONFORT
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VELGHE INGO
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Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 3,052 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-12-2015
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.