BM BOUW
ActiveThe computed 12-month bankruptcy probability of BM BOUW is 2.5% (moderate). The 2024 annual accounts show equity of €76k and a net result of €19k. Equity is growing by ~47.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 36378 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
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability83▼-17
Solvency88▲+2
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity ample (current ratio 2.31 against 2.13 in 2023; short-term debt: 36.6% and cash: 12.4% of total assets), and 36.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-02-2026, 189 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
189 d late
2023
5 d late
2022
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€244k
EBIT margin
11.3%
Net result
€19k▼ 42.1%
2023 · €34k
2022: €22k
2023: €34k
2022 → 2024
Working capital
€57k▲ 59.1%
2023 · €36k
2022: €7k
2023: €36k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€244k
Equity€23k-€56k▲ 149%€76k▲ 34.6%
Operating result€28k-€43k▲ 55.0%€28k▼ 35.3%
Net result€22k-€34k▲ 55.6%€19k▼ 42.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 35% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €119k
Fixed assets
€18k▼ 23.6%
Current assets
€101k▲ 48.5%
Equity and liabilities €119k
Equity
€76k▲ 34.6%
Debt
€44k▲ 22.2%
The debt ratio falls from 38.9% to 36.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2023 · €45k
Cash flow
€23k▼
2023 · €36k
Solvency
63.4%▲
2023 · 61.1%
Current ratio
2.31▲
2023 · 2.13
Quick ratio
2.31▲
2023 · 2.13
Debt / equity
0.58▼
2023 · 0.64
ROE
25.7%▼
2023 · 59.8%
ROA
16.3%▼
2023 · 36.5%
Interest coverage
29.95▲
2023 · 29.88
Debt
€44k▲
2023 · €36k
Debt ≤ 1 year
€44k▲
2023 · €32k
Income taxes
€7k▼
2023 · €10k
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€92k€119k▲
Fixed assets21/28€24k€18k▼
Tangible fixed assets22/27€24k€18k▼
Plant, machinery and equipment23€10k€18k▲
Furniture and vehicles24€0-
Leasing and similar rights25€14k-
Current assets29/58€68k€101k▲
Amounts receivable within one year40/41€55k€86k▲
Trade receivables40€13k€46k▲
Other amounts receivable41€42k€41k▼
Cash at bank and in hand54/58€13k€15k▲
Equity and liabilities
Total equity and liabilities10/49€92k€119k▲
Equity10/15€56k€76k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€55k€75k▲
Amounts payable17/49€36k€44k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€32k€44k▲
Current portion of amounts payable after more than one year42€9k€4k▼
Trade debts44-€21k
Suppliers440/4-€21k
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€20k€19k▼
Income statement
Code20232024
Turnover70-€244k
Goods, raw materials, services and sundry goods60/61-€228k
Remuneration, social security and pensions62€7k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A€5k-
Gross operating margin9900€58k€35k▼
Operating profit (loss)9901€43k€28k▼
Financial income75/76B€2k€31▼
Recurring financial income75€2k€31▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€43k€27k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€34k€19k▼
Profit (loss) for the period to be appropriated9905€34k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€75k▲
Profit (loss) brought forward from the previous period14P€22k€55k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 189 days late
2024
31-12
Financial
Weakest financial yearnet €19k ▼42.1%
Net result drops to €19k, the lowest in the series.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 5 days late
2023
31-12
Financial
Highest result since 2022net €34k ▲55.6%
Operating result €43k, net result €34k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Stekene · 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.
Oost-Eindeken(STE) 539190 StekeneGround area
901 m²
Building footprint
107 m²
Volume, LiDAR
663 m³
Parcel 46024A0471/00P000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BM BOUW
since 20212.323.523.548
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024A0471/00P000 | Flanders | 901 m² | 1 · 107 m² | 10.1 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.
Similar companies · same sector, comparable size
Immorenco Technics
BE 0726.515.053
Wommelgem · Eq €76k
EUROTYM
BE 0563.890.494
Anderlecht · Eq €76k
COEMAN RENOVATIES
BE 0730.938.748
Jabbeke · Eq €75k
ALRENO BOUW
BE 0861.627.046
Veurne · Eq €75k
AIRE CONSTRUCT
BE 1003.440.551
Schaarbeek · Eq €76k
Of 7,289 companies in sector 43350 we hold annual accounts for 2,361. 1,999 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2021
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.