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BK MA

Active
Private limited companyfounded 20241 yr activeAvenue de Philippeville 284, 6001 Charleroi, BelgiumKBO/BCE: BE 1014.423.525
Summary

The computed 12-month bankruptcy probability of BK MA is 3.5% (moderate). The 2025 annual accounts show negative equity (-€53,920) and a net result of -€153,920. Its solvency ranks better than 20% of 3762 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability12
Solvency21
Growth-
Track record67
Bankruptcy probability, 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.31; short-term debt: 28.2% and cash: 6% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-4.4%
Return on assets
-12.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
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 29-06-2026, 32 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
32 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

BK MA was incorporated on 1 October 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
-€53,920
Total assets
€1.2m
Net result
-€153,920
Working capital
-€241,197

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €1.2m
Fixed assets €1.1m
Current assets €107,307
Key figures and ratios
2025 value
EBITDA
€45,422
Cash flow
€4,570
Solvency
-4.4%
Current ratio
0.31
Quick ratio
0.25
Debt to equity
-23.94
ROA
-12.4%
Interest coverage
1.05
Debt
€1.3m
Debt ≤ 1 year
€348,504
Debt > 1 year
€928,413
Staff costs
€487,913

Peer companies

Historical observation

Of the 1,322 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
3.6% went bankrupt
5.5% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,322 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 42 lines
Balance sheet Code2025
Assets
Total assets20/58€1.2m
Fixed assets21/28€1.1m
Intangible fixed assets21€56,754
Tangible fixed assets22/27€1.1m
Land and buildings22€1.1m
Current assets29/58€107,307
Stocks and contracts in progress3€20,945
Stocks30/36€20,945
Amounts receivable within one year40/41€6,463
Trade receivables40€5,729
Other amounts receivable41€734
Cash at bank and in hand54/58€73,921
Deferred charges and accrued income490/1€5,978
Equity and liabilities
Total equity and liabilities10/49€1.2m
Equity10/15-€53,920
Contributions10/11€100,000
Profit (loss) carried forward14-€153,920
Amounts payable17/49€1.3m
Amounts payable after more than one year17€928,413
Financial debts170/4€928,413
Amounts payable within one year42/48€348,504
Current portion of amounts payable after more than one year42€179,928
Trade debts44€58,111
Suppliers440/4€58,111
Taxes, remuneration and social security45€44,523
Remuneration and social security454/9€44,523
Other amounts payable47/48€65,943
Accrued charges and deferred income492/3€13,682
Income statement Code2025
Remuneration, social security and pensions62€487,913
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€158,489
Other operating charges640/8€9,786
Gross operating margin9900€543,121
Operating profit (loss)9901-€113,067
Financial income75/76B€2,368
Recurring financial income75€2,368
Financial charges65/66B€43,221
Recurring financial charges65€43,221
Profit (loss) for the period before taxes9903-€153,920
Profit (loss) for the period9904-€153,920
Profit (loss) for the period to be appropriated9905-€153,920
Appropriation of the result
Profit (loss) to be appropriated9906-€153,920
Social balance
Average headcount (FTE)90878.1

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€487,913
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€158,489
Other operating charges640/8€9,786
Gross operating margin9900€543,121
Operating profit (loss)9901-€113,067
Financial income75/76B€2,368
Recurring financial income75€2,368
Financial charges65/66B€43,221
Recurring financial charges65€43,221
Profit (loss) for the period before taxes9903-€153,920
Profit (loss) for the period9904-€153,920
Profit (loss) for the period to be appropriated9905-€153,920
Line2025
Assets
Total assets20/58€1.2m
Fixed assets21/28€1.1m
Intangible fixed assets21€56,754
Tangible fixed assets22/27€1.1m
Land and buildings22€1.1m
Current assets29/58€107,307
Stocks and contracts in progress3€20,945
Stocks30/36€20,945
Amounts receivable within one year40/41€6,463
Trade receivables40€5,729
Other amounts receivable41€734
Cash at bank and in hand54/58€73,921
Deferred charges and accrued income490/1€5,978
Equity and liabilities
Total equity and liabilities10/49€1.2m
Equity10/15-€53,920
Contributions10/11€100,000
Profit (loss) carried forward14-€153,920
Amounts payable17/49€1.3m
Amounts payable after more than one year17€928,413
Financial debts170/4€928,413
Amounts payable within one year42/48€348,504
Current portion of amounts payable after more than one year42€179,928
Trade debts44€58,111
Suppliers440/4€58,111
Taxes, remuneration and social security45€44,523
Remuneration and social security454/9€44,523
Other amounts payable47/48€65,943
Accrued charges and deferred income492/3€13,682
Line2025
Profit (loss) for the period9904-€153,920
+ Depreciation and write-downs630€158,489
Operating cash flow (approximation)€4,570

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
29-06
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Charleroi · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
8,419 m²
Building footprint
2,024 m²
Volume, LiDAR
8,764 m³
Parcel 52045A0558/00X002, Wallonia · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
18 companies at this address See who is registered here
1 establishment unit
BK MA
Avenue de Philippeville 284, 6001 CharleroiFood and beverage service activities
since 20242.364.365.003
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52045A0558/00X002 Wallonia 8,419 m² 1 · 2,024 m² 10.6 m · 1 fl.
Linked by address, not proof of ownership
Good to know
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

Food safety, FASFC

1 site
Charleroi2.364.365.003
1 permission
Toelating · Eetgelegenheid · since 27-11-2024

Similar companies · same sector, comparable size

Of 21,859 companies in sector 56112 we hold annual accounts for 9,782. 1,428 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded01-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Contact
E-mail vamssprl@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:1014423525
Registered 05-05-2025

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.