BL MAISON
ActiveThe computed 12-month bankruptcy probability of BL MAISON is 2.2% (moderate). The 2024 annual accounts show equity of €21k and a net result of €-16k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 36% of 705 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency52▼-17
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.14 against 1.56 in 2023; short-term debt: 63.9% and cash: 8.1% of total assets), and 73.2% 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.
+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 · 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 2024Solvency, return and age of the figures
Solvency
26.8%
Return on assets
-20.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
2022
39 d early
2021
54 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€21k▼ 43.4%
2023 · €37k
2021: €6k
2022: €12k
2023: €37k
2021 → 2024
Total assets
€77k▼ 7.8%
2023 · €84k
2021: €28k
2022: €76k
2023: €84k
2021 → 2024
Net result
€-16k
2023 · €29k
2021: €3k
2022: €6k
2023: €29k
2021 → 2024
Working capital
€7k▼ 65.4%
2023 · €20k
2021: €-10k
2022: €4k
2023: €20k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€6k-€12k▲ 114%€37k▲ 203%€21k▼ 43.4%
Operating result€4k-€7k▲ 82.9%€36k▲ 400%€-15k
Net result€3k-€6k▲ 122%€29k▲ 343%€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €15k after €36k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €77k
Fixed assets
€21k▼ 26.5%
Current assets
€56k▲ 1.9%
Equity and liabilities €77k
Equity
€21k▼ 43.4%
Debt
€57k▲ 19.9%
The debt ratio rises from 56.3% to 73.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▼
2023 · €42k
Cash flow
€-8k▼
2023 · €35k
Solvency
26.8%▼
2023 · 43.7%
Current ratio
1.14▼
2023 · 1.56
Quick ratio
1.03▼
2023 · 1.35
Debt / equity
2.73▲
2023 · 1.29
ROE
-76.7%▼
2023 · 77.9%
ROA
-20.6%▼
2023 · 34.0%
Interest coverage
-8.04▼
2023 · 37.10
Debt
€57k▲
2023 · €47k
Debt ≤ 1 year
€50k▲
2023 · €36k
Debt > 1 year
€7k▼
2023 · €12k
Income taxes
€44▼
2023 · €7k
Staff costs
€645▼
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€84k€77k▼
Fixed assets21/28€29k€21k▼
Tangible fixed assets22/27€29k€21k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€5k€3k▼
Leasing and similar rights25€16k€12k▼
Financial fixed assets28€103€103=
Current assets29/58€55k€56k▲
Stocks and contracts in progress3€7k€5k▼
Stocks30/36€7k€5k▼
Amounts receivable within one year40/41€36k€42k▲
Trade receivables40€21k€22k▲
Other amounts receivable41€15k€21k▲
Cash at bank and in hand54/58€11k€6k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€84k€77k▼
Equity10/15€37k€21k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€34k€18k▼
Amounts payable17/49€47k€57k▲
Amounts payable after more than one year17€12k€7k▼
Financial debts170/4€12k€7k▼
Amounts payable within one year42/48€36k€50k▲
Current portion of amounts payable after more than one year42€4k€4k▼
Trade debts44€19k€24k▲
Suppliers440/4€19k€24k▲
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€7k€9k▲
Remuneration and social security454/9€332€1k▲
Other amounts payable47/48€4k€4k=
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€1k€645▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€631€546▼
Non-recurring operating charges66A€206-
Gross operating margin9900€44k€-6k▼
Operating profit (loss)9901€36k€-15k▼
Financial income75/76B€665€52▼
Recurring financial income75€665€52▼
Financial charges65/66B€1k€924▼
Recurring financial charges65€1k€924▼
Profit (loss) for the period before taxes9903€36k€-16k▼
Income taxes67/77€7k€44▼
Profit (loss) for the period9904€29k€-16k▼
Profit (loss) for the period to be appropriated9905€29k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€18k▼
Profit (loss) brought forward from the previous period14P€9k€34k▲
Profit to be distributed694/7€4k-
Directors or managers695€4k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-16k ▼156%
Net result drops to €-16k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2021net €29k ▲343%
Operating result €36k, net result €29k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 54 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, Amay · 1 establishment unit since 2021
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.
Rue les Communes(OMB) 35 A4540 AmayGround area
1,776 m²
Building footprint
130 m²
Volume, LiDAR
797 m³
Parcel 61046A0244/00B002, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BL MAISON
since 20212.314.515.020
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61046A0244/00B002 | Wallonia | 1,776 m² | 1 · 130 m² | 7.8 m · 2 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.
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DESAER
BE 0836.905.013
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DE WEVER TOM
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ES WORKS
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Maaseik · Eq €20k
Of 1,599 companies in sector 16230 we hold annual accounts for 783. 472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2021
Fiscal year end31-12
Abbreviation FR
BLM
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
37000Sewerage
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
42110Construction of roads and motorways
42219Civil engineering
42990Civil engineering
43110Demolition
43120Site preparation
43223Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43343Specialised construction activities
43350Other building finishing work
43410Roofing work
43421Specialised construction activities
43422Screed work
43990Other specialised construction activities
43992Specialised construction activities
43993Specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
71111Activities of building architects
81220Other building cleaning and industrial cleaning
81300Landscape service activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:julienbraive@icloud.com
Phone:+32473926057