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Generated 17-08-2026
Active BE 0799.991.266Private limited company

BM INVEST

Rue du Rond Point 13 ·6110 Montigny-le-Tilleul, Belgium· 3 yrs active
Sector: Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of BM INVEST is 1.0% (low). The 2024 annual accounts show negative equity (€-84k) and a net result of €-60k. Its solvency ranks better than 5% of 12487 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-84k
Net result €-60k
Better than sector 5%
Active 3 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health15Profitability100Solvency35Growth58Stability94
60 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 15
Profitability 100
Solvency 35
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
1.0% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

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 2023, 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 Flags0 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 2024 · computed
15 / 100 Critical
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 20-06-2025 with the NBB · fiscal year 2024 · micro
€-100k€-75k€-50k€-25k€0Operating result 2023: €-85k€-85kNet result 2023: €-74k€-74kOperating result 2024: €-59k€-59kNet result 2024: €-60k€-60k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -45.3% 60.5%
better than 5% of 12487 sector peers
Net result €-60k €31k
better than 5% of 12489 sector peers
Equity €-84k €63k
better than 5% of 12495 sector peers
Gross operating margin €-45k €52k
better than 5% of 12474 sector peers
Total assets €185k €124k
better than 65% of 12488 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-49k
+37.0% 23-24
Net profit
€-60k
+19.5% 23-24
Cash flow
€-49k
+25.6% 23-24
Total assets
€185k
+2.5% 23-24
Equity
€-84k
-247.8% 23-24
Working capital
€-114k
-114.8% 23-24
Income taxes
€346
-9.7% 23-24
Debt
€268k
+31.4% 23-24
Show 9 other metrics
Debt ≤ 1y
€266k
+39.6% 23-24
Debt > 1y
€3k
-79.8% 23-24
Current ratio
0.57
-20.9% 23-24
Quick ratio
0.57
-20.9% 23-24
Solvency
-45.3%
-239.2% 23-24
Debt / equity
-3.21
+62.2% 23-24
ROE
71.2%
-76.8% 23-24
ROA
-32.3%
+21.4% 23-24
Interest coverage
-100.25
+20.7% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-49k
Net profit€-60k
Cash flow€-49k
Staff costs-
Income taxes€346
Dividends-
Total assets€185k
Equity€-84k
Debt€268k
of which ≤ 1y€266k
of which > 1y€3k
Working capital€-114k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.57
Quick ratio0.57
Working capital ratio-61.8%
Solvency-45.3%
Debt / equity-3.21
Long-term debt ratio-0.03
Interest coverage-100.25
Gross margin-
Net margin-
ROA-32.3%
ROE71.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€185k
Fixed assets 21/28€33k
Tangible fixed assets 22/27€33k
Current assets 29/58€152k
Amounts receivable within one year 40/41€69k
Cash & bank 54/58€82k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€185k
Equity 10/15€-84k
Contributions / capital 10/11€50k
Accumulated profits (losses) 14€-134k
Amounts payable 17/49€268k
Amounts payable after one year 17€3k
Amounts payable within one year 42/48€266k
Trade debts payable within one year 44€8k
Income statement
Gross operating margin 9900€-45k
Operating result 9901€-59k
Financial income 75€127
Financial charges 65€487
Result before taxes 9903€-59k
Income taxes 67/77€346
Net result for the period 9904€-60k
Result to be appropriated 9905€-60k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Private limited company(610)
Incorporation28-03-2023
StatusActive
Postal code6110
Establishment units 1 location
BM INVEST
Rue du Rond Point 13, 6110 Montigny-le-TilleulHoldings
since 20232.344.243.738
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.
52048D0065/00F018 Wallonia 1,353 m² 1 · 140 m² 8.0 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 4 events

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

2025
20-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
09-05-2025
State Gazette act Director changes
2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
08-01-2024
State Gazette act Minor change
Officer designation
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
09-05-2025 Change in the board of directors Director changes
Technical details 
{
  "events": [],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-05-09",
    "filing_date": "2025-04-21",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-04-21",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0799.991.266",
    "name_full": "BM INVEST",
    "legal_form": "srl"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2024
08-01-2024 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: Officer designation
Technical details 
{
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-01-08",
    "filing_date": "2024-01-04",
    "act_kind_objet": "DIVERS"
  },
  "decision": {
    "body": "algemene_vergadering",
    "date": "2023-12-06",
    "unanimous": null
  },
  "agm_change": null,
  "detected_kind": "officer_designation",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0799.991.266",
    "name_full": "BM INVEST",
    "legal_form": "SRL"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch Staatsblad - 08/01/2024 - Annexes du Moniteur belge"
  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": {
    "role": "representant",
    "organ": "bestuursorgaan",
    "person_name": "Luc BIZET"
  },
  "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

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR BM INVEST
Registered office
Rue du Rond Point 13
6110 Montigny-le-Tilleul, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative