BM CENTER
ActiveSummary
BM CENTER has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.0m and a net result of €12,814. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 18716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▲+52
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170,000 at 30 days acceptable
short-term debt: 0.2% and cash: 86.5% of total assets, and 1.2% of the assets are financed with debt.
Credit check for your own amount and term
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.8%
Return on assets
0.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
28 d late
2022
25 d late
2021
17 d early
2020
12 d early
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 25 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2.0m▲ 0.6%
2024 · €2.0m
Total assets
€2.0m▼ 3.0%
2024 · €2.1m
Net result
€12,814
2024 · -€17,347
Working capital
€2.0m▼ 1.5%
2024 · €2.1m
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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 47, Retail trade, 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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€288,254▲ 30.9%€182,689▼ 36.6%€707,267▲ 287%-€54,449€18,757
Net result€185,887above the sector's middle half▲ 23.9%€128,541above the sector's middle half▼ 30.8%€489,867above the sector's middle half▲ 281%-€17,347below the sector's middle half€12,814within the sector's middle half
Equity€1.4mabove the sector's middle half▲ 14.7%€1.5mabove the sector's middle half▲ 8.7%€2.0mabove the sector's middle half▲ 31.6%€2.0mabove the sector's middle half▼ 0.9%€2.0mabove the sector's middle half▲ 0.6%
Total assets€1.7mabove the sector's middle half▲ 4.8%€1.7mabove the sector's middle half▲ 1.4%€2.2mabove the sector's middle half▲ 24.1%€2.1mabove the sector's middle half▼ 2.6%€2.0mabove the sector's middle half▼ 3.0%
Debt€303,747▼ 25.2%€205,072▼ 32.5%€139,718▼ 31.9%€100,269▼ 28.2%€23,890▼ 76.2%
Working capital€1.4mabove the sector's middle half▲ 16.4%€1.5mabove the sector's middle half▲ 9.2%€2.1mabove the sector's middle half▲ 35.5%€2.1mabove the sector's middle half▲ 0.2%€2.0mabove the sector's middle half▼ 1.5%
Solvency82.3%above the sector's middle half▲ 7.1pp88.2%above the sector's middle half▲ 5.9pp93.5%above the sector's middle half▲ 5.3pp95.2%above the sector's middle half▲ 1.7pp98.8%above the sector's middle half▲ 3.6pp
Current ratio6.77above the sector's middle half▲ 1.9411.65above the sector's middle half▲ 4.8834.31above the sector's middle half▲ 22.66
Return on assets (ROA)10.8%within the sector's middle half▲ 1.7pp7.4%within the sector's middle half▼ 3.4pp22.7%above the sector's middle half▲ 15.3pp-0.8%within the sector's middle half▼ 23.5pp0.6%within the sector's middle half▲ 1.5pp
Staff (FTE)5.6within the sector's middle half▼ 13.8%3.1within the sector's middle half▼ 44.6%0below the sector's middle half▼ 100%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 returns to profit in 2025: €18,757 after a loss of €54,449 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.0m
Fixed assets
€1,537 ▼ 94.1%
Current assets
€2.0m ▼ 1.9%
Equity and liabilities €2.0m
Equity
€2.0m ▲ 0.6%
Debt
€23,890 ▼ 76.2%
Debt's share of the balance-sheet total falls from 4.8% to 1.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19,602▲
2024 · -€44,260
Cash flow
€13,659▲
2024 · -€7,159
Debt to equity
0.01▼
2024 · 0.05
ROE
0.6%▲
2024 · -0.9%
Interest coverage
6.03▲
2024 · -6.67
Debt ≤ 1 year
€4,652▼
2024 · €11,730
Debt > 1 year
€19,237▼
2024 · €88,527
Income taxes
€39,289▲
2024 · €0
A ratio outside any meaningful range has been withheld (balance sheet total €2.0m, equity €2.0m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 14,732 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €281 | €864,193 | €0 | €106,056 | - |
| Remuneration, social security and pensions62 | €245,491 | €157,881 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47,307 | €49,335 | €10,102 | €10,188 | €845 | ▼ 91.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€3,819 | -€27,000 | -€30,181 | €6,737 | €0 | ▼ 100% |
| Other operating charges640/8 | €8,604 | €8,546 | €11,011 | €3,278 | €7,018 | ▲ 114% |
| Non-recurring operating charges66A | - | - | €25,628 | €0 | €44,524 | - |
| Gross operating margin9900 | €585,836 | €371,452 | €723,825 | -€34,245 | €71,143 | ▲ 308% |
| Operating profit (loss)9901 | €288,254 | €182,689 | €707,267 | -€54,449 | €18,757 | ▲ 134% |
| Financial income75/76B | €773 | - | €8,363 | €43,740 | €36,597 | ▼ 16.3% |
| Recurring financial income75 | €773 | - | €8,363 | €43,740 | €36,597 | ▼ 16.3% |
| Financial charges65/66B | €5,600 | €4,771 | €4,045 | €6,639 | €3,251 | ▼ 51.0% |
| Recurring financial charges65 | €5,600 | €4,771 | €4,045 | €6,639 | €3,251 | ▼ 51.0% |
| Profit (loss) for the period before taxes9903 | €283,427 | €177,918 | €711,584 | -€17,347 | €52,102 | ▲ 400% |
| Income taxes67/77 | €97,540 | €49,377 | €221,717 | €0 | €39,289 | - |
| Profit (loss) for the period9904 | €185,887 | €128,541 | €489,867 | -€17,347 | €12,814 | ▲ 174% |
| Transfer from tax-exempt reserves789 | €48,156 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €234,043 | €128,541 | €489,867 | -€17,347 | €12,814 | ▲ 174% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.7m | €1.7m | €2.2m | €2.1m | €2.0m | ▼ 3.0% |
| Fixed assets21/28 | €80,665 | €76,330 | €36,273 | €26,084 | €1,537 | ▼ 94.1% |
| Tangible fixed assets22/27 | €80,367 | €76,032 | €36,273 | €26,084 | €1,537 | ▼ 94.1% |
| Land and buildings22 | €57,569 | €25,628 | €0 | - | - | - |
| Plant, machinery and equipment23 | €11,208 | €45,769 | €32,960 | €24,094 | €797 | ▼ 96.7% |
| Furniture and vehicles24 | €11,590 | €4,636 | €3,313 | €1,990 | €740 | ▼ 62.8% |
| Financial fixed assets28 | €298 | €298 | €0 | - | - | - |
| Current assets29/58 | €1.6m | €1.7m | €2.1m | €2.1m | €2.0m | ▼ 1.9% |
| Stocks and contracts in progress3 | €593,315 | €198,273 | €72,686 | €66,309 | €21,378 | ▼ 67.8% |
| Stocks30/36 | €593,315 | €198,273 | €72,686 | €66,309 | €21,378 | ▼ 67.8% |
| Amounts receivable within one year40/41 | €69,556 | €109,806 | €60,412 | €14,080 | €25,199 | ▲ 79.0% |
| Trade receivables40 | €59,563 | €99,176 | €57,223 | €818 | €1,071 | ▲ 30.9% |
| Other amounts receivable41 | €9,993 | €10,629 | €3,189 | €13,262 | €24,128 | ▲ 81.9% |
| Current investments50/53 | €495,271 | €495,271 | €500,000 | €667,278 | €226,412 | ▼ 66.1% |
| Cash at bank and in hand54/58 | €468,853 | €857,212 | €1.5m | €1.3m | €1.8m | ▲ 32.9% |
| Deferred charges and accrued income490/1 | €8,245 | €3,881 | €1,851 | €2,677 | €1,573 | ▼ 41.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.7m | €1.7m | €2.2m | €2.1m | €2.0m | ▼ 3.0% |
| Equity10/15 | €1.4m | €1.5m | €2.0m | €2.0m | €2.0m | ▲ 0.6% |
| Contributions10/11 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | €1.4m | €1.5m | €2.0m | €2.0m | €2.0m | ▲ 0.7% |
| Non-distributable reserves130/1 | €5,000 | €5,000 | €0 | - | - | - |
| Reserves not available under the articles1311 | €5,000 | €5,000 | €0 | - | - | - |
| Tax-exempt reserves132 | €153 | €153 | €153 | €153 | €153 | = |
| Distributable reserves133 | €1.4m | €1.5m | €2.0m | €2.0m | €2.0m | ▲ 0.7% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | - | - |
| Amounts payable17/49 | €303,747 | €205,072 | €139,718 | €100,269 | €23,890 | ▼ 76.2% |
| Amounts payable after more than one year17 | €61,713 | €59,994 | €77,756 | €88,527 | €19,237 | ▼ 78.3% |
| Financial debts170/4 | €26,302 | €10,313 | €2,063 | €0 | - | - |
| Other amounts payable178/9 | €35,411 | €49,681 | €75,694 | €88,527 | €19,237 | ▼ 78.3% |
| Amounts payable within one year42/48 | €241,513 | €142,907 | €61,914 | €11,730 | €4,652 | ▼ 60.3% |
| Current portion of amounts payable after more than one year42 | €32,497 | €13,539 | €8,938 | €2,750 | €0 | ▼ 100% |
| Trade debts44 | €155,992 | €52,857 | €22,118 | €2,924 | €3,514 | ▲ 20.2% |
| Suppliers440/4 | €155,992 | €52,857 | €22,118 | €2,924 | €3,514 | ▲ 20.2% |
| Taxes, remuneration and social security45 | €48,023 | €71,974 | €25,259 | €1,817 | €1,138 | ▼ 37.3% |
| Taxes450/3 | €25,272 | €64,657 | €22,959 | €1,817 | €1,138 | ▼ 37.3% |
| Remuneration and social security454/9 | €22,751 | €7,317 | €2,300 | €0 | - | - |
| Other amounts payable47/48 | €5,000 | €4,537 | €5,600 | €4,239 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €521 | €2,172 | €47 | €12 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €185,887 | €128,541 | €489,867 | -€17,347 | €12,814 | ▲ 174% |
| + Depreciation and write-downs630 | €47,307 | €49,335 | €10,102 | €10,188 | €845 | ▼ 91.7% |
| Operating cash flow (approximation) | €233,194 | €177,876 | €499,969 | -€7,159 | €13,659 | ▲ 291% |
| Investment in fixed assets (approximation) | - | -€45,000 | €29,956 | €0 | €23,702 | - |
| Change in cash | - | €388,359 | €631,851 | -€162,004 | €436,764 | ▲ 370% |
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Back to profitnet €12,814
Net result €12,814 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 438.15
Current ratio from 177.11 to 438.15; short-term debt falls from €11,730 to €4,652.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet -€17,347
Net result drops to -€17,347, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 177.11
Current ratio from 34.31 to 177.11; short-term debt falls from €61,914 to €11,730.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €489,867 ▲281%
Operating result €707,267, net result €489,867, both a record.
31-12
Financial
Liquidity triplescurrent ratio 34.31
Current ratio from 11.65 to 34.31; short-term debt falls from €142,907 to €61,914.
31-12
Financial
Equity above €2mEq €2.0m ▲31.6%
6 profitable years in a row build equity to €2.0m.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Show earlier events
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Equity above €1mEq €1.1m ▲15.2%
2 profitable years in a row build equity to €1.1m.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wielsbeke · 1 establishment unit since 2001
Ground area
4,588 m²
Building footprint
1,039 m²
Volume, LiDAR
3,930 m³
Parcel 37014A0404/00G000, Flanders · tallest building 12.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bossenstraat 16, 8710 Wielsbeke
since 20012.100.297.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37014A0404/00G000 | Flanders | 4,588 m² | 1 · 1,039 m² | 12.0 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.
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Serneels Bikes
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MOTORKIT 2
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Of 1,127 companies in sector 47830 we hold annual accounts for 467. 204 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 (pre-2019)
Founded08-05-2001
Fiscal year end31-12
Activities, NACEBEL 2025
47830Retail sale of motorcycles and motorcycle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474709585
Also
9925:BE0474709585
Registered
14-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.