Summary
BM ENGINEERING GROUP 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 €4.7m and a net result of €51,843. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 5587 sector peers (fiscal year 2025). The company has been active since 2005 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
30 d early
2023
6 d early
2022
47 d early
2021
46 d early
2020
30 d early
2019
32 d early
← 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 27 days before the deadline; the sector median for financial year 2024 is 14 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 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€4.7m▲ 1.1%
2024 · €4.7m
Net result
€51,843▼ 76.1%
2024 · €217,036
Total assets
€5.3m▼ 6.3%
2024 · €5.7m
Solvency
88.5%▲ 6.5pp
2024 · 82.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20212022202320242025
Operating result€154,906▲ 14.6%€125,848▼ 18.8%€66,651▼ 47.0%€107,351▲ 61.1%€110,486▲ 2.9%
Net result€113,297within the sector's middle half▼ 0.1%€194,681above the sector's middle half▲ 71.8%€46,747within the sector's middle half▼ 76.0%€217,036above the sector's middle half▲ 364%€51,843within the sector's middle half▼ 76.1%
Equity€4.2mabove the sector's middle half▲ 3.1%€4.4mabove the sector's middle half▲ 4.6%€4.4mabove the sector's middle half▲ 1.1%€4.7mabove the sector's middle half▲ 4.9%€4.7mabove the sector's middle half▲ 1.1%
Total assets€4.6mabove the sector's middle half▲ 0.4%€4.7mabove the sector's middle half▲ 2.4%€5.0mabove the sector's middle half▲ 6.6%€5.7mabove the sector's middle half▲ 12.8%€5.3mabove the sector's middle half▼ 6.3%
Debt€410,567▼ 21.1%€326,580▼ 20.5%€591,162▲ 81.0%€1.0m▲ 72.6%€610,067▼ 40.2%
Working capital€731,431above the sector's middle half▲ 34.0%€969,885above the sector's middle half▲ 32.6%€1.0mabove the sector's middle half▲ 3.5%€1.3mabove the sector's middle half▲ 33.3%€1.3mabove the sector's middle half▼ 4.2%
Solvency91.1%above the sector's middle half▲ 2.4pp93.1%above the sector's middle half▲ 2.0pp88.3%above the sector's middle half▼ 4.8pp82.0%above the sector's middle half▼ 6.2pp88.5%above the sector's middle half▲ 6.5pp
Current ratio3.97above the sector's middle half▲ 0.594.59above the sector's middle half▲ 0.624.14above the sector's middle half▼ 0.453.50above the sector's middle half▼ 0.645.20above the sector's middle half▲ 1.71
Return on assets (ROA)2.5%within the sector's middle half=4.1%within the sector's middle half▲ 1.7pp0.9%within the sector's middle half▼ 3.2pp3.8%within the sector's middle half▲ 2.9pp1.0%within the sector's middle half▼ 2.8pp
Staff (FTE)1.8within the sector's middle half=1.7within the sector's middle half▼ 5.6%2above the sector's middle half▲ 17.6%2above the sector's middle half=2.7above the sector's middle half▲ 35.0%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.3m
Fixed assets
€3.7m ▼ 1.9%
Current assets
€1.6m ▼ 15.4%
Equity and liabilities €5.3m
Equity
€4.7m ▲ 1.1%
Debt
€610,067 ▼ 40.2%
Debt's share of the balance-sheet total falls from 18.0% to 11.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.1%▼
2024 · 4.7%
Debt ≤ 1 year
€304,839▼
2024 · €535,889
Debt > 1 year
€297,014▼
2024 · €478,924
Income taxes
€19,163▼
2024 · €20,155
Staff costs
€299,043▲
2024 · €288,529
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €747 | - | - | €23,752 | €400 | ▼ 98.3% |
| Remuneration, social security and pensions62 | €177,059 | €211,577 | €299,881 | €288,529 | €299,043 | ▲ 3.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €228,427 | €197,947 | €93,329 | €91,335 | €104,225 | ▲ 14.1% |
| Other operating charges640/8 | €979 | €4,148 | €1,075 | €6,177 | €1,431 | ▼ 76.8% |
| Non-recurring operating charges66A | - | - | - | - | €938 | - |
| Gross operating margin9900 | €561,372 | €539,520 | €460,937 | €493,391 | €516,124 | ▲ 4.6% |
| Operating profit (loss)9901 | €154,906 | €125,848 | €66,651 | €107,351 | €110,486 | ▲ 2.9% |
| Financial income75/76B | - | €93,353 | €3,908 | €148,248 | €7,511 | ▼ 94.9% |
| Recurring financial income75 | - | €93,353 | €3,908 | €148,248 | €7,511 | ▼ 94.9% |
| Financial charges65/66B | €4,156 | €3,329 | €11,734 | €18,409 | €46,992 | ▲ 155% |
| Recurring financial charges65 | €4,156 | €3,329 | €11,734 | €18,409 | €24,986 | ▲ 35.7% |
| Non-recurring financial charges66B | - | - | - | - | €22,005 | - |
| Profit (loss) for the period before taxes9903 | €150,751 | €215,872 | €58,825 | €237,191 | €71,006 | ▼ 70.1% |
| Income taxes67/77 | €37,454 | €21,190 | €12,077 | €20,155 | €19,163 | ▼ 4.9% |
| Profit (loss) for the period9904 | €113,297 | €194,681 | €46,747 | €217,036 | €51,843 | ▼ 76.1% |
| Profit (loss) for the period to be appropriated9905 | €113,297 | €194,681 | €46,747 | €217,036 | €51,843 | ▼ 76.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.6m | €4.7m | €5.0m | €5.7m | €5.3m | ▼ 6.3% |
| Fixed assets21/28 | €3.6m | €3.5m | €3.7m | €3.8m | €3.7m | ▼ 1.9% |
| Intangible fixed assets21 | €164,698 | €60,153 | €38,013 | €16,580 | €5,363 | ▼ 67.7% |
| Tangible fixed assets22/27 | €149,422 | €160,984 | €169,832 | €248,273 | €239,045 | ▼ 3.7% |
| Furniture and vehicles24 | €53,771 | €69,262 | €90,348 | €173,198 | €177,008 | ▲ 2.2% |
| Other tangible fixed assets26 | €95,651 | €91,722 | €79,484 | €75,075 | €62,036 | ▼ 17.4% |
| Financial fixed assets28 | €3.3m | €3.3m | €3.5m | €3.5m | €3.5m | ▼ 1.4% |
| Current assets29/58 | €977,733 | €1.2m | €1.3m | €1.9m | €1.6m | ▼ 15.4% |
| Amounts receivable after more than one year29 | - | €190,548 | €496,106 | €335,331 | €223,554 | ▼ 33.3% |
| Trade receivables290 | - | €190,548 | €136,106 | €65,331 | €0 | ▼ 100% |
| Other amounts receivable291 | - | - | €360,000 | €270,000 | €223,554 | ▼ 17.2% |
| Amounts receivable within one year40/41 | €806,638 | €912,626 | €661,285 | €1.0m | €1.1m | ▲ 5.0% |
| Trade receivables40 | €245,885 | €245,785 | €292,866 | €632,421 | €123,733 | ▼ 80.4% |
| Other amounts receivable41 | €560,753 | €666,842 | €368,420 | €376,849 | €936,320 | ▲ 148% |
| Current investments50/53 | - | - | - | €287,500 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €87,516 | €55,557 | €67,645 | €136,511 | €253,482 | ▲ 85.7% |
| Deferred charges and accrued income490/1 | €83,579 | €81,005 | €98,828 | €105,546 | €49,314 | ▼ 53.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.6m | €4.7m | €5.0m | €5.7m | €5.3m | ▼ 6.3% |
| Equity10/15 | €4.2m | €4.4m | €4.4m | €4.7m | €4.7m | ▲ 1.1% |
| Contributions10/11 | €3.1m | €3.1m | €3.1m | €3.1m | €3.1m | = |
| Profit (loss) carried forward14 | €1.1m | €1.3m | €1.3m | €1.5m | €1.6m | ▲ 3.4% |
| Amounts payable17/49 | €410,567 | €326,580 | €591,162 | €1.0m | €610,067 | ▼ 40.2% |
| Amounts payable after more than one year17 | €164,159 | €52,643 | €267,478 | €478,924 | €297,014 | ▼ 38.0% |
| Financial debts170/4 | €164,159 | €52,643 | €267,478 | €478,924 | €297,014 | ▼ 38.0% |
| Amounts payable within one year42/48 | €246,301 | €269,852 | €319,599 | €535,889 | €304,839 | ▼ 43.1% |
| Current portion of amounts payable after more than one year42 | €126,763 | €111,516 | €124,165 | €88,486 | €92,050 | ▲ 4.0% |
| Financial debts43 | €1,493 | €3,349 | €2,174 | €1,217 | €3,087 | ▲ 154% |
| Credit institutions430/8 | €1,493 | €3,349 | €2,174 | €1,217 | €3,087 | ▲ 154% |
| Trade debts44 | €97,855 | €138,085 | €146,045 | €197,013 | €184,916 | ▼ 6.1% |
| Suppliers440/4 | €97,855 | €138,085 | €146,045 | €197,013 | €184,916 | ▼ 6.1% |
| Taxes, remuneration and social security45 | €19,524 | €16,903 | €19,615 | €11,672 | €24,786 | ▲ 112% |
| Taxes450/3 | €2,454 | - | €1,183 | €0 | - | - |
| Remuneration and social security454/9 | €17,070 | €16,903 | €18,432 | €11,672 | €24,786 | ▲ 112% |
| Other amounts payable47/48 | €667 | - | €27,600 | €237,501 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €107 | €4,085 | €4,085 | €5,338 | €8,214 | ▲ 53.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €113,297 | €194,681 | €46,747 | €217,036 | €51,843 | ▼ 76.1% |
| + Depreciation and write-downs630 | €228,427 | €197,947 | €93,329 | €91,335 | €104,225 | ▲ 14.1% |
| Operating cash flow (approximation) | €341,724 | €392,629 | €140,077 | €308,370 | €156,068 | ▼ 49.4% |
| Investment in fixed assets (approximation) | - | -€46,637 | -€320,532 | -€187,066 | -€33,740 | ▲ 82.0% |
| Change in cash | - | -€31,958 | €12,087 | €68,866 | €116,971 | ▲ 69.9% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €342,906 ▲2,142%
Net result €342,906, the highest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 18 acts read
About the unread acts
We know of 18 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
18 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, Kortrijk · 1 establishment unit since 2005
Ground area
2.4 ha
Building footprint
4,836 m²
Volume, LiDAR
44,469 m³
Parcel 34354D0205/00C000, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BM Engineering Group
since 20052.150.028.457
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354D0205/00C000 | Flanders | 2.4 ha | 1 · 4,836 m² | 13.7 m · 3 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.
Structure & network
Owners and holdings
5 owners · 6 holdingsOwners 5
-
29.57%
- Sourceaccounts TEOS 30-09-202529.57%
-
10.24%
-
10.24%
-
5.06%
Holdings 6
-
100%
-
100%
-
100%
-
100%
-
100%
-
25%
According to the 2025 annual accounts of BM ENGINEERING GROUP and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 22,714 EUR awarded · 22,606 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 6,481 EUR | 7,836 EUR |
| 2024 | 1 | 7,158 EUR | 8,986 EUR |
| 2023 | 1 | 7,500 EUR | 4,209 EUR |
| 2022 | 1 | 1,575 EUR | 1,575 EUR |
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 8,332 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
Founded05-10-2005
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0876471115
Also
9925:BE0876471115
Registered
24-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.