BM
ActiveSummary
BM has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €123,535 and a net result of €15,677. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 2159 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability74▲+48
Solvency60▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.31 in 2023; short-term debt: 16.3% and cash: 6.1% of total assets), and 64.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
35.3%
Return on assets
4.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-07-2025, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
8 d early
2023
34 d early
2022
28 d early
2021
3 d late
2020
4 d late
2019
47 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
In the rankings
#3 oldest company in Arendonk, Health and social work sector
Equity
€123,535▲ 14.5%
2023 · €107,857
Total assets
€349,581▼ 1.1%
2023 · €353,536
Net result
€15,677
2023 · -€22,233
Working capital
-€21,895▲ 47.5%
2023 · -€41,694
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€18,547€32,836€33,327▲ 1.5%-€14,538€27,650
Net result-€20,026below the sector's middle half€23,919below the sector's middle half€19,876below the sector's middle half▼ 16.9%-€22,233below the sector's middle half€15,677below the sector's middle half
Equity€86,295below the sector's middle half▼ 18.8%€110,214below the sector's middle half▲ 27.7%€130,090below the sector's middle half▲ 18.0%€107,857below the sector's middle half▼ 17.1%€123,535below the sector's middle half▲ 14.5%
Total assets€149,075below the sector's middle half▼ 21.9%€191,226below the sector's middle half▲ 28.3%€199,592below the sector's middle half▲ 4.4%€353,536below the sector's middle half▲ 77.1%€349,581below the sector's middle half▼ 1.1%
Debt€62,780▼ 25.7%€81,012▲ 29.0%€69,502▼ 14.2%€245,679▲ 253%€226,046▼ 8.0%
Working capital€14,968below the sector's middle half▼ 44.0%€25,103below the sector's middle half▲ 67.7%€41,316below the sector's middle half▲ 64.6%-€41,694below the sector's middle half-€21,895below the sector's middle half▲ 47.5%
Solvency57.9%within the sector's middle half▲ 2.2pp57.6%within the sector's middle half▼ 0.3pp65.2%within the sector's middle half▲ 7.5pp30.5%below the sector's middle half▼ 34.7pp35.3%within the sector's middle half▲ 4.8pp
Current ratio1.92within the sector's middle half▲ 0.072.05within the sector's middle half▲ 0.132.56within the sector's middle half▲ 0.510.31below the sector's middle half▼ 2.250.62below the sector's middle half▲ 0.31
Return on assets (ROA)-13.4%below the sector's middle half▼ 19.6pp12.5%within the sector's middle half▲ 25.9pp10.0%within the sector's middle half▼ 2.6pp-6.3%below the sector's middle half▼ 16.2pp4.5%below the sector's middle half▲ 10.8pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €27,650 after a loss of €14,538 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €349,581
Fixed assets
€314,361 ▼ 6.1%
Current assets
€35,220 ▲ 86.9%
Equity and liabilities €349,581
Equity
€123,535 ▲ 14.5%
Debt
€226,046 ▼ 8.0%
Debt's share of the balance-sheet total falls from 69.5% to 64.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58,095▲
2023 · €13,230
Cash flow
€46,123▲
2023 · €5,535
Debt to equity
1.83▼
2023 · 2.28
ROE
12.7%▲
2023 · -20.6%
Interest coverage
7.15▲
2023 · 1.77
Debt ≤ 1 year
€57,114▼
2023 · €60,536
Debt > 1 year
€168,932▼
2023 · €185,143
Income taxes
€3,945▲
2023 · €295
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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%.
| 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 17,027 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €9,551 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,542 | €13,747 | €15,079 | €27,768 | €30,445 | ▲ 9.6% |
| Other operating charges640/8 | - | €11,297 | €5,402 | €6,358 | €7,901 | ▲ 24.3% |
| Gross operating margin9900 | €2,246 | €57,881 | €53,808 | €19,588 | €65,996 | ▲ 237% |
| Operating profit (loss)9901 | -€18,547 | €32,836 | €33,327 | -€14,538 | €27,650 | ▲ 290% |
| Financial income75/76B | - | €1,091 | €881 | €55 | €103 | ▲ 86.5% |
| Recurring financial income75 | €1,040 | €1,091 | €881 | €55 | €103 | ▲ 86.5% |
| Financial charges65/66B | - | €2,076 | €1,345 | €7,455 | €8,131 | ▲ 9.1% |
| Recurring financial charges65 | €2,259 | €2,076 | €1,345 | €7,455 | €8,131 | ▲ 9.1% |
| Profit (loss) for the period before taxes9903 | -€19,766 | €31,851 | €32,863 | -€21,938 | €19,622 | ▲ 189% |
| Income taxes67/77 | €261 | €7,932 | €12,988 | €295 | €3,945 | ▲ 1,236% |
| Profit (loss) for the period9904 | -€20,026 | €23,919 | €19,876 | -€22,233 | €15,677 | ▲ 171% |
| Profit (loss) for the period to be appropriated9905 | -€20,026 | €23,919 | €19,876 | -€22,233 | €15,677 | ▲ 171% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €149,075 | €191,226 | €199,592 | €353,536 | €349,581 | ▼ 1.1% |
| Fixed assets21/28 | €117,815 | €142,197 | €131,794 | €334,694 | €314,361 | ▼ 6.1% |
| Tangible fixed assets22/27 | €117,815 | €142,197 | €131,794 | €334,694 | €314,361 | ▼ 6.1% |
| Land and buildings22 | - | €105,948 | €100,870 | €313,901 | €300,646 | ▼ 4.2% |
| Plant, machinery and equipment23 | - | €717 | €140 | - | €2,911 | - |
| Furniture and vehicles24 | - | €35,532 | €30,784 | €20,794 | €10,804 | ▼ 48.0% |
| Current assets29/58 | €31,260 | €49,030 | €67,798 | €18,842 | €35,220 | ▲ 86.9% |
| Stocks and contracts in progress3 | €2,231 | €176 | €677 | €422 | - | - |
| Stocks30/36 | - | €176 | €677 | €422 | - | - |
| Amounts receivable within one year40/41 | €12,920 | €15,897 | €7,923 | €2,357 | €2,164 | ▼ 8.2% |
| Trade receivables40 | - | €3,654 | €783 | €2,357 | €2,164 | ▼ 8.2% |
| Other amounts receivable41 | - | €12,243 | €7,139 | - | - | - |
| Cash at bank and in hand54/58 | €9,952 | €30,090 | €59,198 | €12,160 | €21,188 | ▲ 74.2% |
| Deferred charges and accrued income490/1 | - | €2,866 | - | €3,902 | €11,868 | ▲ 204% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €149,075 | €191,226 | €199,592 | €353,536 | €349,581 | ▼ 1.1% |
| Equity10/15 | €86,295 | €110,214 | €130,090 | €107,857 | €123,535 | ▲ 14.5% |
| Contributions10/11 | - | €77,095 | €77,095 | €77,095 | €77,095 | = |
| Reserves13 | €7,709 | €33,120 | €52,995 | €52,995 | €52,995 | = |
| Non-distributable reserves130/1 | - | €7,709 | €7,709 | - | - | - |
| Reserves not available under the articles1311 | - | €7,709 | €7,709 | - | - | - |
| Distributable reserves133 | - | €25,410 | €45,286 | €52,995 | €52,995 | = |
| Profit (loss) carried forward14 | €1,491 | - | - | -€22,233 | -€6,555 | ▲ 70.5% |
| Amounts payable17/49 | €62,780 | €81,012 | €69,502 | €245,679 | €226,046 | ▼ 8.0% |
| Amounts payable after more than one year17 | €46,488 | €57,085 | €43,020 | €185,143 | €168,932 | ▼ 8.8% |
| Financial debts170/4 | - | €57,085 | €43,020 | €185,143 | €168,932 | ▼ 8.8% |
| Amounts payable within one year42/48 | €16,292 | €23,927 | €26,482 | €60,536 | €57,114 | ▼ 5.7% |
| Current portion of amounts payable after more than one year42 | - | €13,866 | €14,065 | €21,265 | €16,211 | ▼ 23.8% |
| Trade debts44 | €2,370 | €2,619 | €818 | €3,984 | €2,616 | ▼ 34.3% |
| Suppliers440/4 | - | €2,619 | €818 | €3,984 | €2,616 | ▼ 34.3% |
| Taxes, remuneration and social security45 | - | €5,766 | €9,923 | €10,869 | €12,991 | ▲ 19.5% |
| Taxes450/3 | - | €5,766 | €9,923 | €6,619 | €6,270 | ▼ 5.3% |
| Remuneration and social security454/9 | - | - | - | €4,250 | €6,721 | ▲ 58.1% |
| Other amounts payable47/48 | - | €1,676 | €1,676 | €24,418 | €25,296 | ▲ 3.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€20,026 | €23,919 | €19,876 | -€22,233 | €15,677 | ▲ 171% |
| + Depreciation and write-downs630 | €14,542 | €13,747 | €15,079 | €27,768 | €30,445 | ▲ 9.6% |
| Operating cash flow (approximation) | -€5,484 | €37,666 | €34,954 | €5,535 | €46,123 | ▲ 733% |
| Investment in fixed assets (approximation) | - | -€38,129 | -€4,676 | -€230,668 | -€10,112 | ▲ 95.6% |
| Change in cash | - | €20,138 | €29,108 | -€47,038 | €9,028 | ▲ 119% |
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
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €15,677
Net result €15,677 after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet -€22,233
Net result drops to -€22,233, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
31-12
Financial
Back to profitnet €23,919
Net result €23,919 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €110,214 ▲27.7%
Equity rises from €86,295 to €110,214.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 47 days late
2019
31-12
Financial
Back to profitnet €11,683
Net result €11,683 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €106,322 ▲12.3%
Equity rises from €94,638 to €106,322.
Show earlier events
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Arendonk · 1 establishment unit since 1989
Ground area
776 m²
Building footprint
106 m²
Volume, LiDAR
612 m³
Parcel 13322D1075/00M000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BM
since 19892.043.595.604
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13322D1075/00M000 | Flanders | 776 m² | 1 · 106 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 225 EUR awarded · 225 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 225 EUR | 225 EUR |
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Of 5,993 companies in sector 86940 we hold annual accounts for 1,811. 1,502 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-05-1989
Fiscal year end31-12
Activities, NACEBEL 2025
86940Nursing and midwifery
47512Retail sale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
86994Podiatry and foot care
E-invoicing
Reachable via Peppol
Peppol ID
0208:0437521765
Also
9925:BE0437521765
Registered
04-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.