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Generated 11-08-2026
Active BE 0804.135.641Private limited company

BM Renovatie

Torhoutsesteenweg 128 ·8400 Oostende, Belgium· 3 yrs active
Sector: Specialised construction (43211)
Conclusion Checked

The computed 12-month bankruptcy probability of BM Renovatie is 3.3% (moderate). The 2024 annual accounts show equity of €2k and a net result of €69. Its solvency ranks better than 12% of 11087 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 1 annual account.
Key figures
Equity €2k
Net result €69
Better than sector 12%
Active 3 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health41Profitability17Solvency6Growth-Stability79
36 / 100

Fragile profile, watch solvency in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 41
Profitability 17
Solvency 6
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
3.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +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 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 2024 · computed
41 / 100 Weak
050100
Computed from 4 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 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 30-12-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 5.1% 40.9%
better than 12% of 11087 sector peers
Net result €69 €11k
better than 21% of 11069 sector peers
Equity €2k €34k
better than 11% of 11090 sector peers
Gross operating margin €8k €35k
better than 19% of 11060 sector peers
Total assets €40k €93k
better than 21% of 11087 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€8k
Net profit€69
Cash flow€7k
Staff costs-
Income taxes€67
Dividends-
Total assets€40k
Equity€2k
Debt€38k
of which ≤ 1y€38k
of which > 1y-
Working capital€-15k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.60
Quick ratio0.60
Working capital ratio-37.8%
Solvency5.1%
Debt / equity18.48
Long-term debt ratio-
Interest coverage10.05
Gross margin-
Net margin-
ROA0.2%
ROE3.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€40k
Fixed assets 21/28€17k
Tangible fixed assets 22/27€17k
Current assets 29/58€23k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€21k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€40k
Equity 10/15€2k
Contributions / capital 10/11€2k
Reserves 13€69
Amounts payable 17/49€38k
Amounts payable within one year 42/48€38k
Trade debts payable within one year 44€23k
Income statement
Gross operating margin 9900€8k
Operating result 9901€902
Financial charges 65€767
Result before taxes 9903€136
Income taxes 67/77€67
Net result for the period 9904€69
Result to be appropriated 9905€69
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • Rizvan Mutaliyev
    Director
    State Gazette act 24146126 (10-10-2024)
    Former
    - → 12-06-2024
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 Specialised construction(43211)
Legal form Private limited company(610)
Incorporation19-07-2023
StatusActive
Postal code8400
Establishment units 1 location
BM Renovatie
Arendstraat 24, 8400 OostendeAlgemene bouw van residentiële gebouwen
since 20232.354.521.580
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.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
35020B0214/00W000 Flanders 254 m² 1 · 76 m² 6.5 m · 2 fl.
35383C0342/00K013 Flanders 53 m² - -
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

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

2025
30-12-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
10-10-2024
State Gazette act Director changes
correction
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
10-10-2024 Rizvan Mutaliyev resigns as director Director changescorrection
  • Rizvan Mutaliyev, Bestuurder
Technical details 
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      },
      "reason": null,
      "subkind": null,
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      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": "2024-06-12",
      "evidence_quote": "De algemene vergadering beslist tot het ontslag van Rizvan Mutaliyev, met woonplaats te 8400 Oostende Arendstraat 24, als niet-statutaire bestuurder, en dit met ingang op 12/06/2024.",
      "decharge_status": "granted",
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  "notary": {
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  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2024-10-01",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-06-12",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2024-06-12",
      "unanimous": null
    }
  ],
  "is_correction": true,
  "subject_company": {
    "kbo": "0804.135.641",
    "name_full": "BM Renovatie",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
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    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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
Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Installatie van isolatie43230Overige bouwinstallatie43240Isolatiewerkzaamheden43291Overige bouwinstallatie, n.e.g.43299Plaatsen van vloer- en wandtegels43331Plaatsen van vloer- en wandtegels43331Dakwerkzaamheden43410Dakwerkzaamheden43910Metselwerk43910Uitvoeren van metsel- en voegwerken43994
Primary activity highlighted.
Names & trade names
Legal nameNL BM Renovatie
Registered office
Torhoutsesteenweg 128 bus 2
8400 Oostende, 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