BM GEST
ActiveBM GEST has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €20k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-6
Solvency91▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 2.04 in 2024; short-term debt: 12.9% and cash: 20.4% of total assets), and 33.7% 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 →
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
66.3%
Return on assets
6.6%
Age of the figures
9 mo
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
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
31 d late
2023
50 d late
2022
31 d late
2021
222 d late
2020
3 d early
2019
11 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k▲ 11.0%
2024 · €183k
2018: €78k
2019: €76k
2020: €92k
2021: €96k
2022: €119k
2023: €159k
2024: €183k
2018 → 2025
Total assets
€306k▼ 6.7%
2024 · €328k
2018: €112k
2019: €202k
2020: €200k
2021: €272k
2022: €293k
2023: €306k
2024: €328k
2018 → 2025
Net result
€20k▼ 47.8%
2024 · €39k
2018: €5k
2019: €-3k
2020: €16k
2021: €4k
2022: €23k
2023: €40k
2024: €39k
2018 → 2025
Working capital
€55k▼ 17.5%
2024 · €67k
2018: €72k
2019: €26k
2020: €39k
2021: €22k
2022: €32k
2023: €62k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€119k▲ 24.2%€159k▲ 34.0%€183k▲ 14.8%€203k▲ 11.0%
Operating result€9k-€39k▲ 319%€60k▲ 54.3%€57k▼ 4.3%€40k▼ 30.8%
Net result€4k-€23k▲ 536%€40k▲ 74.6%€39k▼ 4.5%€20k▼ 47.8%
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 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306k
Fixed assets
€211k▲ 7.2%
Current assets
€95k▼ 27.6%
Equity and liabilities €306k
Equity
€203k▲ 11.0%
Debt
€103k▼ 29.1%
The debt ratio falls from 44.3% to 33.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59k▼
2024 · €65k
Cash flow
€39k▼
2024 · €47k
Solvency
66.3%▲
2024 · 55.7%
Current ratio
2.39▲
2024 · 2.04
Quick ratio
2.39▲
2024 · 2.04
Debt / equity
0.51▼
2024 · 0.79
ROE
9.9%▼
2024 · 21.1%
ROA
6.6%▼
2024 · 11.8%
Interest coverage
42.69▲
2024 · 36.39
Debt
€103k▼
2024 · €145k
Debt ≤ 1 year
€40k▼
2024 · €64k
Debt > 1 year
€63k▼
2024 · €81k
Income taxes
€18k▲
2024 · €17k
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€328k€306k▼
Fixed assets21/28€197k€211k▲
Tangible fixed assets22/27€197k€211k▲
Land and buildings22€187k€181k▼
Furniture and vehicles24€10k€30k▲
Current assets29/58€131k€95k▼
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Amounts receivable within one year40/41€2k€7k▲
Trade receivables40€1k€3k▲
Other amounts receivable41€629€4k▲
Cash at bank and in hand54/58€100k€62k▼
Deferred charges and accrued income490/1€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€328k€306k▼
Equity10/15€183k€203k▲
Contributions10/11€12k€12k=
Reserves13€165k€185k▲
Distributable reserves133€165k€185k▲
Profit (loss) carried forward14€6k€6k▲
Amounts payable17/49€145k€103k▼
Amounts payable after more than one year17€81k€63k▼
Financial debts170/4€81k€63k▼
Amounts payable within one year42/48€64k€40k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€29k€7k▼
Taxes450/3€29k€7k▼
Other amounts payable47/48€16k€15k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€19k▲
Other operating charges640/8€8k€10k▲
Gross operating margin9900€73k€68k▼
Operating profit (loss)9901€57k€40k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€55k€38k▼
Income taxes67/77€17k€18k▲
Profit (loss) for the period9904€39k€20k▼
Profit (loss) for the period to be appropriated9905€39k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€26k▼
Profit (loss) brought forward from the previous period14P€6k€6k▲
Transfer from equity791/2€15k-
Transfer to equity691/2€39k€20k▼
To other reserves6921€39k€20k▼
Profit to be distributed694/7€15k-
Return on contributions (dividend)694€15k-
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €203k ▲11%
6 profitable years in a row build equity to €203k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-12
Financial
Highest result since 2018net €40k ▲74.6%
Operating result €60k, net result €40k, both a record.
31-12
Financial
Equity above €150kEq €159k ▲34%
4 profitable years in a row build equity to €159k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 222 days late
2022
31-12
Financial
Equity above €100kEq €119k ▲24.2%
3 profitable years in a row build equity to €119k.
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
31-12
Financial
Weakest financial yearnet €-3k ▼148%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Manage · 1 establishment unit since 2011
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 des Flamands 177170 ManageGround area
1,166 m²
Building footprint
135 m²
Volume, LiDAR
983 m³
Parcel 52004B0074/00S000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BM GEST SPRL
since 20112.198.175.101
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52004B0074/00S000 | Wallonia | 1,166 m² | 1 · 135 m² | 9.1 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.
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MHA CONSULTING
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,009 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.