BM Partners
ActiveSummary
BM Partners has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €62,063 and a net result of -€8,851. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability58▲+44
Solvency73▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.6 in 2023; short-term debt: 42.9% and cash: 22.8% of total assets), but 52.2% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
47.8%
Return on assets
-6.8%
Age of the figures
21 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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€8,851
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
26 d late
2022
31 d late
2021
65 d late
2020
16 d late
2019
3 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 28 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 (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€62,063▼ 12.5%
2023 · €70,914
Total assets
€129,827▼ 24.5%
2023 · €171,950
Net result
-€8,851▲ 55.5%
2023 · -€19,896
Working capital
€45,666▼ 1.1%
2023 · €46,175
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20202021202220232024
Operating result€29,542▲ 162%€41,979▲ 42.1%-€17,906-€16,741▲ 6.5%-€10,179▲ 39.2%
Net result€23,460above the sector's middle half▲ 244%€31,470above the sector's middle half▲ 34.1%-€14,313below the sector's middle half-€19,896below the sector's middle half▼ 39.0%-€8,851below the sector's middle half▲ 55.5%
Equity€73,653within the sector's middle half▲ 46.7%€105,123within the sector's middle half▲ 42.7%€90,811within the sector's middle half▼ 13.6%€70,914within the sector's middle half▼ 21.9%€62,063within the sector's middle half▼ 12.5%
Total assets€169,526within the sector's middle half▲ 45.4%€195,591within the sector's middle half▲ 15.4%€204,982within the sector's middle half▲ 4.8%€171,950within the sector's middle half▼ 16.1%€129,827within the sector's middle half▼ 24.5%
Debt€95,873▲ 44.4%€90,467▼ 5.6%€114,171▲ 26.2%€101,035▼ 11.5%€67,764▼ 32.9%
Working capital€53,674within the sector's middle half▲ 12.1%€87,728above the sector's middle half▲ 63.4%€64,394within the sector's middle half▼ 26.6%€46,175within the sector's middle half▼ 28.3%€45,666within the sector's middle half▼ 1.1%
Solvency43.4%within the sector's middle half▲ 0.4pp53.7%within the sector's middle half▲ 10.3pp44.3%within the sector's middle half▼ 9.4pp41.2%within the sector's middle half▼ 3.1pp47.8%within the sector's middle half▲ 6.6pp
Current ratio1.74within the sector's middle half▲ 0.022.17within the sector's middle half▲ 0.431.89within the sector's middle half▼ 0.281.60within the sector's middle half▼ 0.291.82within the sector's middle half▲ 0.22
Return on assets (ROA)13.8%within the sector's middle half▲ 8.0pp16.1%above the sector's middle half▲ 2.3pp-7.0%below the sector's middle half▼ 23.1pp-11.6%below the sector's middle half▼ 4.6pp-6.8%below the sector's middle half▲ 4.8pp
Staff (FTE)2.2within the sector's middle half▲ 10.0%2.1▼ 4.5%3.2▲ 52.4%3.1▼ 3.1%1.1▼ 64.5%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10,179 in 2024 against €16,741 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €129,827
Fixed assets
€28,424 ▼ 41.3%
Current assets
€101,402 ▼ 17.9%
Equity and liabilities €129,827
Equity
€62,063 ▼ 12.5%
Debt
€67,764 ▼ 32.9%
Debt's share of the balance-sheet total falls from 58.8% to 52.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9,782▲
2023 · €3,221
Cash flow
€11,110▲
2023 · €65
Quick ratio
0.99▲
2023 · 0.92
Debt to equity
1.09▼
2023 · 1.42
ROE
-14.3%▲
2023 · -28.1%
Interest coverage
5.72▲
2023 · 1.21
Debt ≤ 1 year
€55,736▼
2023 · €77,339
Debt > 1 year
€11,975▼
2023 · €23,454
Income taxes
€2,635▲
2023 · €493
Staff costs
€30,275▼
2023 · €66,232
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €69,291 | €60,689 | €66,232 | €30,275 | ▼ 54.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,815 | €8,601 | €9,997 | €19,961 | €19,961 | = |
| Other operating charges640/8 | - | €1,223 | €5,732 | €2,121 | €2,016 | ▼ 5.0% |
| Gross operating margin9900 | €96,390 | €121,095 | €58,513 | €71,575 | €42,074 | ▼ 41.2% |
| Operating profit (loss)9901 | €29,542 | €41,979 | -€17,906 | -€16,741 | -€10,179 | ▲ 39.2% |
| Financial income75/76B | - | €451 | €2,661 | €0 | €5,672 | ▲ 1,417,785% |
| Recurring financial income75 | €1,469 | €451 | €2,661 | €0 | €5,672 | ▲ 1,417,785% |
| Financial charges65/66B | - | €1,174 | €666 | €2,663 | €1,709 | ▼ 35.8% |
| Recurring financial charges65 | €1,024 | €1,174 | €666 | €2,663 | €1,709 | ▼ 35.8% |
| Profit (loss) for the period before taxes9903 | €29,987 | €41,257 | -€15,911 | -€19,403 | -€6,217 | ▲ 68.0% |
| Income taxes67/77 | €6,527 | €9,787 | -€1,598 | €493 | €2,635 | ▲ 434% |
| Profit (loss) for the period9904 | €23,460 | €31,470 | -€14,313 | -€19,896 | -€8,851 | ▲ 55.5% |
| Profit (loss) for the period to be appropriated9905 | €23,460 | €31,470 | -€14,313 | -€19,896 | -€8,851 | ▲ 55.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €169,526 | €195,591 | €204,982 | €171,950 | €129,827 | ▼ 24.5% |
| Fixed assets21/28 | €43,437 | €32,886 | €68,397 | €48,436 | €28,424 | ▼ 41.3% |
| Tangible fixed assets22/27 | €41,437 | €32,836 | €68,347 | €48,386 | €28,424 | ▼ 41.3% |
| Plant, machinery and equipment23 | - | €0 | - | - | - | - |
| Furniture and vehicles24 | - | €32,836 | €68,347 | €48,386 | €28,424 | ▼ 41.3% |
| Financial fixed assets28 | €2,000 | €50 | €50 | €50 | €0 | ▼ 100% |
| Current assets29/58 | €126,089 | €162,704 | €136,584 | €123,514 | €101,402 | ▼ 17.9% |
| Stocks and contracts in progress3 | €44,735 | €47,763 | €48,989 | €52,216 | €46,152 | ▼ 11.6% |
| Stocks30/36 | - | €47,763 | €48,989 | €52,216 | €46,152 | ▼ 11.6% |
| Amounts receivable within one year40/41 | €25,562 | €24,147 | €35,250 | €24,701 | €21,328 | ▼ 13.7% |
| Trade receivables40 | - | €6,335 | €12,925 | €10,093 | €10,803 | ▲ 7.0% |
| Other amounts receivable41 | - | €17,812 | €22,325 | €14,609 | €10,525 | ▼ 28.0% |
| Cash at bank and in hand54/58 | €53,108 | €86,718 | €49,771 | €42,377 | €29,608 | ▼ 30.1% |
| Deferred charges and accrued income490/1 | - | €4,076 | €2,575 | €4,219 | €4,315 | ▲ 2.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €169,526 | €195,591 | €204,982 | €171,950 | €129,827 | ▼ 24.5% |
| Equity10/15 | €73,653 | €105,123 | €90,811 | €70,914 | €62,063 | ▼ 12.5% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €53,193 | €84,663 | €70,351 | €50,454 | €41,603 | ▼ 17.5% |
| Amounts payable17/49 | €95,873 | €90,467 | €114,171 | €101,035 | €67,764 | ▼ 32.9% |
| Amounts payable after more than one year17 | €23,457 | €15,491 | €41,900 | €23,454 | €11,975 | ▼ 48.9% |
| Financial debts170/4 | - | €15,491 | €41,900 | €23,454 | €11,975 | ▼ 48.9% |
| Amounts payable within one year42/48 | €72,415 | €74,977 | €72,191 | €77,339 | €55,736 | ▼ 27.9% |
| Current portion of amounts payable after more than one year42 | - | €16,300 | €26,924 | €26,780 | €12,728 | ▼ 52.5% |
| Financial debts43 | - | €0 | - | - | - | - |
| Credit institutions430/8 | - | €0 | - | - | - | - |
| Trade debts44 | €29,353 | €30,873 | €25,070 | €38,259 | €32,725 | ▼ 14.5% |
| Suppliers440/4 | - | €30,873 | €25,070 | €38,259 | €32,725 | ▼ 14.5% |
| Taxes, remuneration and social security45 | - | €15,116 | €20,197 | €11,500 | €9,444 | ▼ 17.9% |
| Taxes450/3 | - | €0 | €5,158 | €650 | €2,732 | ▲ 320% |
| Remuneration and social security454/9 | - | €15,116 | €15,040 | €10,850 | €6,712 | ▼ 38.1% |
| Other amounts payable47/48 | - | €12,688 | €0 | €800 | €839 | ▲ 4.9% |
| Accrued charges and deferred income492/3 | - | - | €80 | €243 | €52 | ▼ 78.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,460 | €31,470 | -€14,313 | -€19,896 | -€8,851 | ▲ 55.5% |
| + Depreciation and write-downs630 | €1,815 | €8,601 | €9,997 | €19,961 | €19,961 | = |
| Operating cash flow (approximation) | €25,275 | €40,071 | -€4,315 | €65 | €11,110 | ▲ 17,003% |
| Investment in fixed assets (approximation) | - | €1,950 | -€45,508 | €0 | €50 | - |
| Change in cash | - | €33,610 | -€36,948 | -€7,393 | -€12,770 | ▼ 72.7% |
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet -€19,896
Net result drops to -€19,896, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
2021
31-12
Financial
Highest result since 2018net €31,470 ▲34.1%
Operating result €41,979, net result €31,470, both a record.
31-12
Financial
Equity above €100,000Eq €105,123 ▲42.7%
4 profitable years in a row build equity to €105,123.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Fléron · 1 establishment unit since 2014
Ground area
215 m²
Building footprint
61 m²
Volume, LiDAR
539 m³
Parcel 62089B0454/00A002, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BM Partners
since 20142.234.683.624
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62089B0454/00A002 | Wallonia | 215 m² | 1 · 61 m² | 10.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.234.683.624
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Of 10,662 companies in sector 47811 we hold annual accounts for 5,225. 3,432 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
Founded08-09-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47300Retail sale of automotive fuel
95316Washing and cleaning of motor vehicles
47242Retail sale of chocolate and confectionery
47260Retail trade
47621Retail sale of newspapers and periodicals
92000Gambling and betting activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0561746202
Also
9925:BE0561746202
Registered
16-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.