Active BE 0789.505.566Private limited company

BM HOUSING

Rue du Bois de Malette 85 ·4460 Grâce-Hollogne, Belgium· 4 yrs active

Sector: Gites, vakantiewoningen en -appartementen (55203)

Conclusion Checked

The computed 12-month bankruptcy probability of BM HOUSING is 1.7% (moderate). The 2025 annual accounts show equity of €4k and a net result of €653. Equity is growing by ~33.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 110 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€4k
Net result	€653
Better than sector	75%
Active	4 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

74 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 69

Profitability 80

Solvency 51

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

1.7% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate region +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

69 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 27-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~33.6%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 55, Accommodation · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	34.3%	7.8%	better than 75% of 110 sector peers
Net result	€653	€-2k	better than 60% of 110 sector peers
Equity	€4k	€13k	better than 45% of 110 sector peers
Gross operating margin	€17k	€17k	better than 50% of 110 sector peers
Total assets	€12k	€252k	better than 5% of 110 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€10k

- 22-25

Net profit

€653

- 22-25

Cash flow

€10k

- 22-25

Total assets

€12k

-43.7% 22-25

Equity

€4k

+19.1% 22-25

Working capital

€-1k

+71.8% 22-25

Income taxes

€465

-33.8% 22-25

Debt

€8k

-55.9% 22-25

Debt ≤ 1y

€8k

-55.9% 22-25

Current ratio

0.84

+11.8% 22-25

Quick ratio

0.84

+11.8% 22-25

Solvency

34.3%

+111.6% 22-25

Debt / equity

1.91

-63.0% 22-25

ROE

16.1%

- 22-25

ROA

5.5%

- 22-25

Interest coverage

68.24

- 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€10k
Net profit	€653
Cash flow	€10k
Staff costs	-
Income taxes	€465
Dividends	-
Total assets	€12k
Equity	€4k
Debt	€8k
of which ≤ 1y	€8k
of which > 1y	-
Working capital	€-1k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.84
Quick ratio	0.84
Working capital ratio	-10.4%
Solvency	34.3%
Debt / equity	1.91
Long-term debt ratio	-
Interest coverage	68.24
Gross margin	-
Net margin	-
ROA	5.5%
ROE	16.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €5k · 44.7% Current assets €7k · 55.3%

Equity & liabilities

Equity €4k · 34.4% Debt €8k · 65.7%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€12k
Fixed assets	21/28	€5k
Tangible fixed assets	22/27	€5k
Current assets	29/58	€7k
Amounts receivable within one year	40/41	€918
Cash & bank	54/58	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€12k
Equity	10/15	€4k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€1k
Amounts payable	17/49	€8k
Amounts payable within one year	42/48	€8k
Trade debts payable within one year	44	€719
Income statement
Gross operating margin	9900	€17k
Operating result	9901	€1k
Financial charges	65	€150
Result before taxes	9903	€1k
Income taxes	67/77	€465
Net result for the period	9904	€653
Result to be appropriated	9905	€653

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 1 directors

Former directors (1)

BIONDOLILLO Carmela
Director
State Gazette act 25023195 (14-02-2025)

Former
- → 14-02-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Gites, vakantiewoningen en -appartementen(55203)
Legal form	Private limited company(610)
Incorporation	09-08-2022
Status	Active
Postal code	4460

Establishment units 1 location

BM HOUSING

Rue du Bois de Malette 85, 4460 Grâce-HollogneVerzamelen, vervoeren en afleveren van post en pakjes in binnen- en buitenland

since 20222.337.688.815

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62046A1387/00S005	Wallonia	532 m²	1 · 96 m²	8.2 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

27-05-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

20-05-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

14-02-2025

State Gazette act Director changes

v3.2

2024

29-05-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

08-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

11-08-2022

State Gazette act Minor change

other · Aurélie Léonard

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 1 year ago

2025

14-02-2025 BIONDOLILLO Carmela resigns as director Director changes

BIONDOLILLO Carmela, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

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  "events": [
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      }
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  "schema": "v3.2",
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  },
  "subject_company": {
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    "name_full": "BM HOUSING"
  }
}

2022

11-08-2022 Publication in the Belgian Official Gazette, Minor change Minor change·Aurélie Léonard

Summary: otherNotary: Aurélie Léonard · Liège

Original publication ↗

Technical details

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    "name": "Aur\u00E9lie L\u00E9onard",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Li\u00E8ge",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2022-08-11",
    "filing_date": "2022-08-09",
    "act_kind_objet": "CONSTITUTION"
  },
  "decision": {
    "body": "algemene_vergadering",
    "date": "2022-08-08",
    "unanimous": true
  },
  "agm_change": null,
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  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
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    "name_full": "BM HOUSING",
    "legal_form": "SRL"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
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  },
  "co_filed_documents": [
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  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}

Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Company registry (CBE) Crossroads Bank

Activities

Gites, vakantiewoningen en -appartementen55203Gites, vakantiewoningen en -appartementen55203Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110

Primary activity highlighted.

Names & trade names

Legal nameFR

BM HOUSING

Registered office

Rue du Bois de Malette 85

4460 Grâce-Hollogne, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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