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BM MATIC

Active
Private limited companyfounded 201610 yrs activeValerius De Saedeleerstraat 93, 9300 Aalst, BelgiumKBO/BCE: BE 0649.498.637
Summary

The computed 12-month bankruptcy probability of BM MATIC is 1.7% (moderate). The 2025 annual accounts show equity of €73,643 and a net result of €2,271. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 2830 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
BM MATICActiveChecked score 55/100
Risk analysis ReportCompare

Overview

Activity
General maintenance and repair of cars and light vans (up to 3.5 tonnes)
NACE 95311NACE 45201
1 site
Size
€106,657total assets 2025
Equity
€73,643
Profit
€2,271
Turnover not published (abridged schema)
Financial health
55 Fair Checked score 2025
Bankruptcy chance 12 m
1.7%
Structure
Board
2 members
Accounts filed 59 d late2 of 6 deeds read
Why 55- Latest accounts 59 days late; 2 of the last 3 late- 1 change of registered office in 24 months- Size: total assets €106,657+ Figures for FY 2025 (filed 28-09-2026)Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 52% of its sector peers (NACE 95, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 94-6
equity 69.0% of total assets
Liquidity 49+9
short-term debt 31.0% · cash 9.6%
Profitability 71+71
return on assets 2.1%
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (5,059 companies)
Last 19 months 04-2025: 1.7% 05-2025: 1.6%▼ -3.7% vs 04-2025 06-2025: 1.6%▼ -0.8% vs 05-2025lowest value 07-2025: 1.7%▲ +2.8% vs 06-2025 08-2025: 2.0%▲ +19.6% vs 07-2025 09-2025: 3.1%▲ +55.5% vs 08-2025 10-2025: 3.1%● 0.0% vs 09-2025 11-2025: 3.1%● 0.0% vs 10-2025 12-2025: 3.1%● 0.0% vs 11-2025 01-2026: 3.2%▲ +0.8% vs 12-2025 02-2026: 3.1%▼ -1.7% vs 01-2026 03-2026: 3.1%▼ -1.3% vs 02-2026 04-2026: 4.3%▲ +41.0% vs 03-2026 05-2026: 4.3%▼ -0.8% vs 04-2026 06-2026: 4.2%▼ -1.0% vs 05-2026 07-2026: 4.3%▲ +0.8% vs 06-2026 08-2026: 5.0%▲ +16.3% vs 07-2026 09-2026: 5.7%▲ +15.2% vs 08-2026highest value 10-2026: 1.7%▼ -70.2% vs 09-2026
  • Latest accounts 59 days late; 2 of the last 3 late raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Size: total assets €106,657 raises the probability for this profile
  • Figures for FY 2025 (filed 28-09-2026) lowers the probability
Credit up to €4,000 at 30 days acceptable
Liquidity tight (current ratio 1.39 against 3.01 in 2024; short-term debt: 31% and cash: 9.6% of total assets), and 31% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 95, micro). Better than this share of them on solvency 78%, liquidity 44%, profitability 44%, growth against the median 40%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 59 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Size: total assets €106,657
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 28-09-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
59 d late
2024
28 d late
2023
99 d late
2022
65 d late
2021
430 d late
2020
795 d late
2019
278 d late
← 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 251 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 4 October (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Purpose · Statutes amendment · Legal-form…Purpose change · Capital
  3. Resignation: CHERFAOUI Jamal (manager)Appointments: CHERFAOUI Jamal (non-statutory director)…

Key points

  • New directorslatest change 27-03-2026 · 2 in office 2 joined View
  • Total assets 20256 fiscal years filed €106,657 View
  • Active since 2016founded 01-03-2016 10 years View

By topic

Financials

Fiscal year
2025
Total assets
€106,657
Profit
€2,271
Solvency
69.0%
Total assets▲ 11.6%
Net result
20182025
Go to Financials

Timeline

Events
18
Since
2018
Next accounts
by 31-07-2027
  1. 28-09-2026Annual accounts filed
  2. 30-03-2026Purpose · Statutes amendment · Legal-form change…
  3. 27-03-2026Resignation: CHERFAOUI Jamal (manager)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General maintenance and repair of cars and light…NACE 95311
Founded
01-03-2016
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
34
Annual meeting
Last Friday of April at 18:00
Purpose
Reparatie van motorvoertuigen: reparatie van mechanische onderdelen,elektrische…
Go to Articles of association

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