BM SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of BM SERVICES is 2.1% (moderate). The 2025 annual accounts show negative equity (-€75,508) and a net result of -€3,698. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 5% of 11508 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-53
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Age of the figures
Age of the figures
9 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
182022232425
2018 to 2025 · latest year -€75,508
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
30 d late
2023
17 d late
2022
22 d late
2020
30 d late
2018
30 d late
2017
59 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 31 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 30 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
-€75,508▼ 5.2%
2024 · -€71,810
Total assets
€4,191▲ 11.9%
2024 · €3,747
Net result
-€3,698
2024 · €239
Working capital
-€76,075▼ 4.3%
2024 · -€72,910
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale 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
Line20202022202320242025
Operating result-€13,695--€8,645-€1,690€288▼ 82.9%-€3,497
Net result-€33,095below the sector's middle half--€8,645below the sector's middle half-€1,543within the sector's middle half€239within the sector's middle half▼ 84.5%-€3,698within the sector's middle half
Equity-€51,564below the sector's middle half--€73,592below the sector's middle half--€72,049below the sector's middle half▲ 2.1%-€71,810below the sector's middle half▲ 0.3%-€75,508below the sector's middle half▼ 5.2%
Total assets€19,951below the sector's middle half-€3,029below the sector's middle half-€4,725below the sector's middle half▲ 56.0%€3,747below the sector's middle half▼ 20.7%€4,191below the sector's middle half▲ 11.9%
Debt€71,515-€76,621-€76,773▲ 0.2%€75,557▼ 1.6%€79,699▲ 5.5%
Working capital-€62,316below the sector's middle half--€74,692below the sector's middle half--€73,149below the sector's middle half▲ 2.1%-€72,910below the sector's middle half▲ 0.3%-€76,075below the sector's middle half▼ 4.3%
Solvency-258.5%below the sector's middle half-
Current ratio0.13below the sector's middle half-
Return on assets (ROA)-165.9%below the sector's middle half-
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale 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 turns negative in 2025: a loss of €3,497 after €288 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4,191
Fixed assets
€1,100 =
Current assets
€3,091 ▲ 16.8%
Key figures and ratios
Debt ≤ 1 year
€79,166▲
2024 · €75,557
Income taxes
€180
Ratios withheld: a balance sheet total of €4,191 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,622 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.6%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.1% 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 6,622 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,916 | €4,826 | - | - | - | - |
| Other operating charges640/8 | - | €1,469 | €570 | €1,765 | €1,861 | ▲ 5.4% |
| Gross operating margin9900 | -€7,180 | -€2,349 | €2,260 | €2,053 | -€1,636 | ▼ 180% |
| Operating profit (loss)9901 | -€13,695 | -€8,645 | €1,690 | €288 | -€3,497 | ▼ 1,312% |
| Financial charges65/66B | - | - | €147 | €49 | €21 | ▼ 57.0% |
| Recurring financial charges65 | €60 | - | €147 | €49 | €21 | ▼ 57.0% |
| Profit (loss) for the period before taxes9903 | -€33,095 | -€8,645 | €1,543 | €239 | -€3,518 | ▼ 1,572% |
| Income taxes67/77 | - | - | - | - | €180 | - |
| Profit (loss) for the period9904 | -€33,095 | -€8,645 | €1,543 | €239 | -€3,698 | ▼ 1,647% |
| Profit (loss) for the period to be appropriated9905 | -€33,095 | -€8,645 | €1,543 | €239 | -€3,698 | ▼ 1,647% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19,951 | €3,029 | €4,725 | €3,747 | €4,191 | ▲ 11.9% |
| Fixed assets21/28 | €10,752 | €1,100 | €1,100 | €1,100 | €1,100 | = |
| Tangible fixed assets22/27 | €9,652 | - | - | - | - | - |
| Financial fixed assets28 | €1,100 | €1,100 | €1,100 | €1,100 | €1,100 | = |
| Current assets29/58 | €9,199 | €1,929 | €3,625 | €2,647 | €3,091 | ▲ 16.8% |
| Amounts receivable within one year40/41 | €9,199 | €1,070 | €914 | €900 | €900 | = |
| Trade receivables40 | - | €1,070 | €914 | €900 | €900 | = |
| Cash at bank and in hand54/58 | - | €860 | €2,710 | €1,747 | €1,267 | ▼ 27.5% |
| Deferred charges and accrued income490/1 | - | - | - | - | €925 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19,951 | €3,029 | €4,725 | €3,747 | €4,191 | ▲ 11.9% |
| Equity10/15 | -€51,564 | -€73,592 | -€72,049 | -€71,810 | -€75,508 | ▼ 5.2% |
| Contributions10/11 | €9,500 | €9,500 | €9,500 | €9,500 | €9,500 | = |
| Reserves13 | €6,500 | €6,500 | €6,500 | €6,500 | €6,500 | = |
| Tax-exempt reserves132 | - | €6,500 | €6,500 | €6,500 | €6,500 | = |
| Profit (loss) carried forward14 | -€67,564 | -€89,592 | -€88,049 | -€87,810 | -€91,508 | ▼ 4.2% |
| Amounts payable17/49 | €71,515 | €76,621 | €76,773 | €75,557 | €79,699 | ▲ 5.5% |
| Amounts payable within one year42/48 | €71,515 | €76,621 | €76,773 | €75,557 | €79,166 | ▲ 4.8% |
| Trade debts44 | €2,644 | €2,105 | €2,258 | €2,166 | €3,825 | ▲ 76.6% |
| Suppliers440/4 | - | €2,105 | €2,258 | €2,166 | €3,825 | ▲ 76.6% |
| Other amounts payable47/48 | - | €74,516 | €74,516 | €73,391 | €75,341 | ▲ 2.7% |
| Accrued charges and deferred income492/3 | - | - | - | - | €533 | - |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€33,095 | -€8,645 | €1,543 | €239 | -€3,698 | ▼ 1,647% |
| + Depreciation and write-downs630 | €4,916 | €4,826 | - | - | - | - |
| Operating cash flow (approximation) | -€28,179 | -€3,819 | €1,543 | €239 | -€3,698 | ▼ 1,647% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €0 | - |
| Change in cash | - | - | €1,851 | -€963 | -€481 | ▲ 50.1% |
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
17-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 17 days late
2023
31-12
Financial
Back to profitnet €1,543
Net result €1,543 after 3 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet -€33,095
Net result drops to -€33,095, the lowest in the series; recovery starts the following year.
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Brussel · 1 establishment unit since 2004
Ground area
267 m²
Building footprint
209 m²
Volume, LiDAR
2,705 m³
Parcel 21816C0249/00N009, Brussels · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BM SERVICES
since 20042.135.562.886
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816C0249/00N009 | Brussels | 267 m² | 1 · 209 m² | 16.4 m · 4 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 siteBrussel2.135.562.886
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,583 companies in sector 46349 we hold annual accounts for 991. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded09-10-2003
Fiscal year end31-12
Activities, NACEBEL 2025
46349Wholesale of beverages, general range
46170Agents in the wholesale of food, beverages and tobacco
96102Launderettes and laundries for private customers
E-invoicing
Reachable via Peppol
Peppol ID
9925:BE0860967842
Registered
21-03-2026
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.