BM.Co
ActiveBM.Co has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €15k. Equity is growing by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency86▼-13
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.0 against 3.52 in 2024; short-term debt: 26% and cash: 1% of total assets), and 39.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
60.7%
Return on assets
10.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 d early
2024
59 d early
2023
58 d early
2022
47 d early
2021
30 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▲ 3.7%
2024 · €83k
2021: €12k
2022: €16k
2023: €56k
2024: €83k
2021 → 2025
Total assets
€141k▲ 26.1%
2024 · €112k
2021: €28k
2022: €26k
2023: €64k
2024: €112k
2021 → 2025
Net result
€15k▼ 54.3%
2024 · €33k
2021: €10k
2022: €4k
2023: €40k
2024: €33k
2021 → 2025
Working capital
€73k▼ 1.0%
2024 · €74k
2021: €11k
2022: €15k
2023: €55k
2024: €74k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€16k▲ 30.2%€56k▲ 250%€83k▲ 48.7%€86k▲ 3.7%
Operating result€14k-€8k▼ 46.8%€56k▲ 640%€45k▼ 18.8%€23k▼ 49.1%
Net result€10k-€4k▼ 53.8%€40k▲ 805%€33k▼ 18.4%€15k▼ 54.3%
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 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€31k▲ 264%
Current assets
€110k▲ 6.3%
Equity and liabilities €141k
Equity
€86k▲ 3.7%
Debt
€55k▲ 88.9%
The debt ratio rises from 26.2% to 39.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €51k
Cash flow
€23k▼
2024 · €39k
Solvency
60.7%▼
2024 · 73.8%
Current ratio
3.00▼
2024 · 3.52
Quick ratio
3.00▼
2024 · 3.52
Debt / equity
0.65▲
2024 · 0.36
ROE
17.6%▼
2024 · 40.0%
ROA
10.7%▼
2024 · 29.5%
Interest coverage
97.57▼
2024 · 386.00
Debt
€55k▲
2024 · €29k
Debt ≤ 1 year
€37k▲
2024 · €29k
Debt > 1 year
€18k
Income taxes
€9k▼
2024 · €13k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€112k€141k▲
Fixed assets21/28€9k€31k▲
Tangible fixed assets22/27€9k€31k▲
Furniture and vehicles24€9k€31k▲
Current assets29/58€103k€110k▲
Amounts receivable within one year40/41€9k€8k▼
Trade receivables40€8k€5k▼
Other amounts receivable41€2k€3k▲
Current investments50/53-€100k
Cash at bank and in hand54/58€94k€1k▼
Deferred charges and accrued income490/1-€400
Equity and liabilities
Total equity and liabilities10/49€112k€141k▲
Equity10/15€83k€86k▲
Contributions10/11€3k€3k=
Reserves13€72k€73k▲
Distributable reserves133€72k€73k▲
Profit (loss) carried forward14€8k€10k▲
Amounts payable17/49€29k€55k▲
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€29k€37k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€136€2k▲
Suppliers440/4€136€2k▲
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48€20k€25k▲
Accrued charges and deferred income492/3-€959
Income statement
Code20242025
Non-recurring operating income76A€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€354€1k▲
Gross operating margin9900€51k€32k▼
Operating profit (loss)9901€45k€23k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€133€317▲
Recurring financial charges65€133€317▲
Profit (loss) for the period before taxes9903€46k€24k▼
Income taxes67/77€13k€9k▼
Profit (loss) for the period9904€33k€15k▼
Profit (loss) for the period to be appropriated9905€33k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€23k▼
Profit (loss) brought forward from the previous period14P€6k€8k▲
Transfer from equity791/2-€12k
Transfer to equity691/2€25k€13k▼
To other reserves6921€25k€13k▼
Profit to be distributed694/7€6k€12k▲
Return on contributions (dividend)694€6k€12k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €40k ▲805%
Operating result €56k, net result €40k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 7.81
Current ratio from 2.41 to 7.81; short-term debt falls from €10k to €8k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €4k ▼53.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 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, Kelmis · 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 Käskorb 204721 KelmisGround area
532 m²
Building footprint
112 m²
Volume, LiDAR
893 m³
Parcel 63056B0104/00N000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BM.Co
since 20212.321.043.516
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63056B0104/00N000 | Wallonia | 532 m² | 1 · 112 m² | 10.8 m · 3 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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ADPS MANAGEMENT
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,490. 2,231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-2021
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.