BLOMEX
ActiveSummary
BLOMEX is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3,000 and a net result of €16,662. Equity is shrinking by ~49% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 67 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 67 sector peers (2025).
NBB · sector comparisonPosition among 67 sector peers
Solvency
better than 10%
← 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 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
27 d early
2023
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 28% of the sector filed late.
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. Usually files around 24 July (3 of the last 3 filed years within 38 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€3,000▼ 97.3%
2024 · €109,387
Net result
€16,662▼ 2.7%
2024 · €17,130
Total assets
€152,988▲ 13.0%
2024 · €135,436
Solvency
2.0%▼ 78.8pp
2024 · 80.8%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€52,264-€24,164▼ 53.8%€22,834▼ 5.5%
Net result€39,440within the sector's middle half-€17,130within the sector's middle half▼ 56.6%€16,662within the sector's middle half▼ 2.7%
Equity€110,256within the sector's middle half-€109,387within the sector's middle half▼ 0.8%€3,000below the sector's middle half▼ 97.3%
Total assets€144,774within the sector's middle half-€135,436within the sector's middle half▼ 6.5%€152,988within the sector's middle half▲ 13.0%
Debt€34,518-€26,049▼ 24.5%€149,988▲ 476%
Working capital€107,430within the sector's middle half-€107,647within the sector's middle half▲ 0.2%€4,189within the sector's middle half▼ 96.1%
Solvency76.2%above the sector's middle half-80.8%above the sector's middle half▲ 4.6pp2.0%below the sector's middle half▼ 78.8pp
Current ratio7.22above the sector's middle half-8.92above the sector's middle half▲ 1.701.03within the sector's middle half▼ 7.89
Return on assets (ROA)27.2%above the sector's middle half-12.6%within the sector's middle half▼ 14.6pp10.9%within the sector's middle half▼ 1.8pp
above
within
below
the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings.
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 6% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152,988
Fixed assets
€8,308 ▼ 41.5%
Current assets
€144,679 ▲ 19.3%
Equity and liabilities €152,988
Equity
€3,000 ▼ 97.3%
Debt
€149,988 ▲ 476%
Debt's share of the balance-sheet total rises from 19.2% to 98.0%. Equity is lower and debt is higher.
Key figures and ratios
ROE
555.4%▲
2024 · 15.7%
Debt ≤ 1 year
€140,490▲
2024 · €13,592
Debt > 1 year
€9,497▼
2024 · €12,345
Income taxes
€5,949▲
2024 · €5,866
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,942 | €5,888 | €5,888 | = |
| Other operating charges640/8 | €360 | €890 | €891 | ▲ 0.1% |
| Non-recurring operating charges66A | - | €2,544 | - | - |
| Gross operating margin9900 | €58,566 | €33,487 | €29,613 | ▼ 11.6% |
| Operating profit (loss)9901 | €52,264 | €24,164 | €22,834 | ▼ 5.5% |
| Financial income75/76B | €0 | €697 | €846 | ▲ 21.5% |
| Recurring financial income75 | €0 | €697 | €846 | ▲ 21.5% |
| Financial charges65/66B | €1,454 | €1,865 | €1,069 | ▼ 42.7% |
| Recurring financial charges65 | €1,454 | €1,865 | €1,069 | ▼ 42.7% |
| Profit (loss) for the period before taxes9903 | €50,810 | €22,996 | €22,611 | ▼ 1.7% |
| Income taxes67/77 | €11,371 | €5,866 | €5,949 | ▲ 1.4% |
| Profit (loss) for the period9904 | €39,440 | €17,130 | €16,662 | ▼ 2.7% |
| Profit (loss) for the period to be appropriated9905 | €39,440 | €17,130 | €16,662 | ▼ 2.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €144,774 | €135,436 | €152,988 | ▲ 13.0% |
| Fixed assets21/28 | €20,085 | €14,197 | €8,308 | ▼ 41.5% |
| Tangible fixed assets22/27 | €20,085 | €14,197 | €8,308 | ▼ 41.5% |
| Furniture and vehicles24 | €20,085 | €14,197 | €8,308 | ▼ 41.5% |
| Current assets29/58 | €124,689 | €121,239 | €144,679 | ▲ 19.3% |
| Amounts receivable after more than one year29 | - | - | €40,000 | - |
| Other amounts receivable291 | - | - | €40,000 | - |
| Amounts receivable within one year40/41 | €10,396 | €17,652 | €18,858 | ▲ 6.8% |
| Trade receivables40 | €9,267 | €10,809 | €12,118 | ▲ 12.1% |
| Other amounts receivable41 | €1,129 | €6,843 | €6,740 | ▼ 1.5% |
| Cash at bank and in hand54/58 | €111,223 | €102,068 | €84,257 | ▼ 17.5% |
| Deferred charges and accrued income490/1 | €3,069 | €1,519 | €1,565 | ▲ 3.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €144,774 | €135,436 | €152,988 | ▲ 13.0% |
| Equity10/15 | €110,256 | €109,387 | €3,000 | ▼ 97.3% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €107,256 | €106,387 | - | - |
| Distributable reserves133 | €107,256 | €106,387 | - | - |
| Amounts payable17/49 | €34,518 | €26,049 | €149,988 | ▲ 476% |
| Amounts payable after more than one year17 | €16,959 | €12,345 | €9,497 | ▼ 23.1% |
| Financial debts170/4 | €16,959 | €12,345 | €9,497 | ▼ 23.1% |
| Amounts payable within one year42/48 | €17,259 | €13,592 | €140,490 | ▲ 934% |
| Current portion of amounts payable after more than one year42 | €4,439 | €4,614 | €6,205 | ▲ 34.5% |
| Financial debts43 | €3,185 | €3,183 | €3,163 | ▼ 0.6% |
| Credit institutions430/8 | €3,185 | €3,183 | €3,163 | ▼ 0.6% |
| Trade debts44 | €5,824 | €3,527 | €2,739 | ▼ 22.3% |
| Suppliers440/4 | €5,824 | €3,527 | €2,739 | ▼ 22.3% |
| Taxes, remuneration and social security45 | €3,811 | €2,083 | €4,914 | ▲ 136% |
| Taxes450/3 | €3,811 | €2,083 | €4,914 | ▲ 136% |
| Other amounts payable47/48 | - | €186 | €123,469 | ▲ 66,453% |
| Accrued charges and deferred income492/3 | €300 | €112 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,440 | €17,130 | €16,662 | ▼ 2.7% |
| + Depreciation and write-downs630 | €5,942 | €5,888 | €5,888 | = |
| Operating cash flow (approximation) | €45,382 | €23,019 | €22,550 | ▼ 2.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | -€9,155 | -€17,812 | ▼ 94.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
04-05
State Gazette act
Registered officeRegistered-office move · Director in office3 facts ▸
State Gazette act
Registered office
Registered-office move · Director in office3 facts ▸
- Board meeting, 24-03-2026
- Registered-office move, Pijpenstrostraat 15, 8200 Brugge
- Director in office, Ruud Blomme (non-statutory director)
2025
31-12
Financial
Weakest financial yearnet €16,662 ▼2.7%
Net result drops to €16,662, the lowest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 1 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2021
Ground area
715 m²
Building footprint
204 m²
Volume, LiDAR
938 m³
Parcel 31027D0619/00W003, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BLOMEX
since 20212.312.913.233
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027D0619/00W003 | Flanders | 715 m² | 1 · 204 m² | 8.7 m · 2 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.
Articles of association
Other statement
Naam en handtekening (dit geldt niet voor akten van het type Mededelingen), Naam en hoedanigheid van de instrumenterende notaris, hetzij van de perso(o)n(en) be…
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Of 65 companies in this sector we hold annual accounts for 28. 4 are within a factor 10 of this equity. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded22-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
65111Insurance, reinsurance and pension funding, except compulsory social security
65112Insurance, reinsurance and pension funding, except compulsory social security
E-invoicing
Reachable via Peppol
Peppol ID
0208:0761923122
Also
9925:BE0761923122
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.