BFMM-TRADING
ActiveSummary
The computed 12-month bankruptcy probability of BFMM-TRADING is 2.5% (moderate). The 2025 annual accounts show equity of €10k and a net result of €8k. Equity is shrinking by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 26% of 11322 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+24
Solvency35▼-27
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five 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 46
Relative position
BE, all sectors
reference
Sector 46
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
9.8%
Return on assets
8.2%
Age of the figures
9 mo
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 04-05-2026, 88 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
88 d early
2024
120 d early
2023
125 d early
2022
26 d early
2021
31 d late
2020
46 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 60.1%
2024 · €25k
2020: €21k
2021: €30k
2022: €26k
2023: €25k
2024: €25k
2020 → 2025
Total assets
€102k▲ 52.0%
2024 · €67k
2020: €183k
2021: €222k
2022: €146k
2023: €120k
2024: €67k
2020 → 2025
Net result
€8k
2024 · €-229
2020: €15k
2021: €10k
2022: €-2k
2023: €501
2024: €-229
2020 → 2025
Working capital
€9k▼ 54.1%
2024 · €20k
2020: €21k
2021: €-5k
2022: €-16k
2023: €-20k
2024: €20k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€26k▼ 13.4%€25k▼ 4.2%€25k▼ 0.9%€10k▼ 60.1%
Operating result€14k-€-445€3k€3k▼ 7.3%€12k▲ 359%
Net result€10k-€-2k€501€-229€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 359% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€4k ▼ 39.7%
Current assets
€98k ▲ 62.7%
Equity and liabilities €102k
Equity
€10k ▼ 60.1%
Debt
€92k ▲ 119%
Debt's share of the balance-sheet total rises from 62.7% to 90.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €4k
Cash flow
€11k▲
2024 · €1k
Current ratio
1.10▼
2024 · 1.51
Debt to equity
9.21▲
2024 · 1.68
ROE
83.5%▲
2024 · -0.9%
ROA
8.2%▲
2024 · -0.3%
Interest coverage
53.14▲
2024 · 4.39
Debt ≤ 1 year
€89k▲
2024 · €40k
Income taxes
€4k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€67k€102k▲
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Land and buildings22€0-
Furniture and vehicles24€7k€4k▼
Current assets29/58€60k€98k▲
Amounts receivable within one year40/41€43k€74k▲
Trade receivables40€42k€70k▲
Other amounts receivable41€954€4k▲
Cash at bank and in hand54/58€17k€23k▲
Deferred charges and accrued income490/1€0€465▲
Equity and liabilities
Total equity and liabilities10/49€67k€102k▲
Equity10/15€25k€10k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€15k€0▼
Amounts payable17/49€42k€92k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€40k€89k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€32k€53k▲
Suppliers440/4€32k€53k▲
Taxes, remuneration and social security45€8k€16k▲
Taxes450/3€3k€11k▲
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€0€20k▲
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€5k€2k▼
Gross operating margin9900€9k€18k▲
Operating profit (loss)9901€3k€12k▲
Financial income75/76B€80€123▲
Recurring financial income75€80€123▲
Financial charges65/66B€924€287▼
Recurring financial charges65€924€287▼
Profit (loss) for the period before taxes9903€2k€12k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€-229€8k▲
Profit (loss) for the period to be appropriated9905€-229€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€23k▲
Profit (loss) brought forward from the previous period14P€15k€15k▼
Profit to be distributed694/7€0€23k▲
Return on contributions (dividend)694€0€23k▲
The notes to these accounts (13 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 1.51
Current ratio from 0.74 to 1.51; short-term debt falls from €77k to €40k.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €501
Net result €501 after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-2k ▼126%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Sint-Jans-Molenbeek · 1 establishment unit since 2019
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.
Joseph Baecklaan 72/51080 Sint-Jans-MolenbeekGround area
7,479 m²
Building footprint
282 m²
Volume, LiDAR
9,747 m³
Parcel 21523B0861/00D000, Brussels · tallest building 37.3 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
BFMM-TRADING
since 20192.328.164.603
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0861/00D000 | Brussels | 7,479 m² | 1 · 282 m² | 37.3 m · 12 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
699400KL2QYACVKY9180
Similar companies · same sector, comparable size
De Brugse Mosselcentrale
BE 0466.133.005
Brugge · Eq €10,052
FISHMATE
BE 0778.937.714
Diepenbeek · Eq €9,454
THE PINNACLE SPECIAL FOODS
BE 0893.652.387
Kampenhout · Eq €9,450
Antwerp City Fish
BE 0685.677.459
Antwerpen · Eq €11,222
L'HUITRE SUR MEUSE
BE 0768.763.107
Visé · Eq €12,987
Of 231 companies in sector 46323 we hold annual accounts for 155. 45 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
46323Wholesale trade
47230Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.