BM Team
ActiveSummary
The computed 12-month bankruptcy probability of BM Team is 2.7% (moderate). The 2025 annual accounts show negative equity (-€1,280) and a net result of -€246. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 20% of 18537 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-33
Solvency19▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.18 against 0.65 in 2024; short-term debt: 106.2% and cash: 0.7% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-6.2%
Return on assets
-1.2%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€1,280
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
33 d early
2023
40 d early
2022
37 d early
2021
36 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 33 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€1,280▼ 23.7%
2024 · -€1,034
Total assets
€20,648▲ 119%
2024 · €9,428
Net result
-€246
2024 · €3,929
Working capital
-€17,916▼ 393%
2024 · -€3,632
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
Line20212022202320242025
Operating result-€2,792--€896▲ 67.9%-€2,481▼ 177%€4,069-€105
Net result-€2,791below the sector's middle half--€1,046within the sector's middle half▲ 62.5%-€2,626within the sector's middle half▼ 151%€3,929within the sector's middle half-€246within the sector's middle half
Equity-€1,291below the sector's middle half--€2,337below the sector's middle half▼ 81.1%-€4,964below the sector's middle half▼ 112%-€1,034below the sector's middle half▲ 79.2%-€1,280below the sector's middle half▼ 23.7%
Total assets€4,574below the sector's middle half-€5,395below the sector's middle half▲ 18.0%€3,347below the sector's middle half▼ 38.0%€9,428below the sector's middle half▲ 182%€20,648below the sector's middle half▲ 119%
Debt€5,865-€7,733▲ 31.8%€8,311▲ 7.5%€10,463▲ 25.9%€21,927▲ 110%
Working capital-€5,391--€5,801▼ 7.6%-€7,316▼ 26.1%-€3,632▲ 50.4%-€17,916▼ 393%
Solvency-43.3%below the sector's middle half-11.0%below the sector's middle half-6.2%below the sector's middle half▲ 4.8pp
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 turns negative in 2025: a loss of €105 after €4,069 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20,648
Fixed assets
€16,636 ▲ 540%
Current assets
€4,012 ▼ 41.3%
Key figures and ratios
EBITDA
€2,193▼
2024 · €5,495
Cash flow
€2,052▼
2024 · €5,355
Current ratio
0.18▼
2024 · 0.65
Quick ratio
0.01▼
2024 · 0.29
Debt to equity
-17.13▼
2024 · -10.12
ROA
-1.2%▼
2024 · 41.7%
Interest coverage
15.54▼
2024 · 38.80
Debt ≤ 1 year
€21,927▲
2024 · €10,463
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,570 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 88% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a small loss
4.6%
went bankrupt
5.6%
stopped otherwise
88%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.7% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 1,570 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €2,686 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,064 | €1,236 | €1,399 | €1,426 | €2,298 | ▲ 61.1% |
| Other operating charges640/8 | €111 | €112 | €499 | €576 | €528 | ▼ 8.5% |
| Non-recurring operating charges66A | - | - | - | - | €65 | - |
| Gross operating margin9900 | -€617 | €452 | -€582 | €6,071 | €2,786 | ▼ 54.1% |
| Operating profit (loss)9901 | -€2,792 | -€896 | -€2,481 | €4,069 | -€105 | ▼ 103% |
| Financial income75/76B | €1 | - | - | €2 | - | - |
| Recurring financial income75 | €1 | - | - | €2 | - | - |
| Financial charges65/66B | - | €150 | €145 | €142 | €141 | ▼ 0.4% |
| Recurring financial charges65 | - | €150 | €145 | €142 | €141 | ▼ 0.4% |
| Profit (loss) for the period before taxes9903 | -€2,791 | -€1,046 | -€2,626 | €3,929 | -€246 | ▼ 106% |
| Profit (loss) for the period9904 | -€2,791 | -€1,046 | -€2,626 | €3,929 | -€246 | ▼ 106% |
| Profit (loss) for the period to be appropriated9905 | -€2,791 | -€1,046 | -€2,626 | €3,929 | -€246 | ▼ 106% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4,574 | €5,395 | €3,347 | €9,428 | €20,648 | ▲ 119% |
| Fixed assets21/28 | €4,100 | €3,464 | €2,352 | €2,597 | €16,636 | ▲ 540% |
| Intangible fixed assets21 | - | €505 | €305 | €105 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €4,100 | €2,959 | €2,047 | €2,493 | €16,636 | ▲ 567% |
| Plant, machinery and equipment23 | €701 | €401 | €331 | €839 | €365 | ▼ 56.6% |
| Furniture and vehicles24 | €3,398 | €2,557 | €1,716 | €1,653 | €16,271 | ▲ 884% |
| Current assets29/58 | €474 | €1,932 | €995 | €6,831 | €4,012 | ▼ 41.3% |
| Stocks and contracts in progress3 | - | €1,157 | €265 | €3,779 | €3,705 | ▼ 2.0% |
| Stocks30/36 | - | €1,157 | €265 | €3,779 | €3,705 | ▼ 2.0% |
| Amounts receivable within one year40/41 | €4 | - | - | - | €4 | - |
| Other amounts receivable41 | €4 | - | - | - | €4 | - |
| Cash at bank and in hand54/58 | €463 | €768 | €635 | €2,853 | €152 | ▼ 94.7% |
| Deferred charges and accrued income490/1 | €7 | €7 | €95 | €199 | €152 | ▼ 23.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4,574 | €5,395 | €3,347 | €9,428 | €20,648 | ▲ 119% |
| Equity10/15 | -€1,291 | -€2,337 | -€4,964 | -€1,034 | -€1,280 | ▼ 23.7% |
| Contributions10/11 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Profit (loss) carried forward14 | -€2,791 | -€3,837 | -€6,464 | -€2,534 | -€2,780 | ▼ 9.7% |
| Amounts payable17/49 | €5,865 | €7,733 | €8,311 | €10,463 | €21,927 | ▲ 110% |
| Amounts payable within one year42/48 | €5,865 | €7,733 | €8,311 | €10,463 | €21,927 | ▲ 110% |
| Trade debts44 | €57 | €307 | €77 | €79 | €56 | ▼ 28.6% |
| Suppliers440/4 | €57 | €307 | €77 | €79 | €56 | ▼ 28.6% |
| Taxes, remuneration and social security45 | - | €140 | €57 | €1,161 | - | - |
| Taxes450/3 | - | €140 | €57 | €1,161 | - | - |
| Other amounts payable47/48 | €5,808 | €7,286 | €8,177 | €9,223 | €21,871 | ▲ 137% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,791 | -€1,046 | -€2,626 | €3,929 | -€246 | ▼ 106% |
| + Depreciation and write-downs630 | €2,064 | €1,236 | €1,399 | €1,426 | €2,298 | ▲ 61.1% |
| Operating cash flow (approximation) | -€727 | €190 | -€1,227 | €5,355 | €2,052 | ▼ 61.7% |
| Investment in fixed assets (approximation) | - | -€600 | -€288 | -€1,671 | -€16,336 | ▼ 877% |
| Change in cash | - | €305 | -€133 | €2,218 | -€2,701 | ▼ 222% |
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3,929
Net result €3,929 after 3 loss-making years.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 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, Heuvelland · 1 establishment unit since 2021
Ground area
963 m²
Building footprint
140 m²
Volume, LiDAR
524 m³
Parcel 33012A0470/00C000, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BM Team
since 20212.310.652.341
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33012A0470/00C000 | Flanders | 963 m² | 1 · 140 m² | 7.6 m · 1 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.
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Roeselare
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 911 companies in sector 47793 we hold annual accounts for 162. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47793Retail sale of other second-hand goods, excluding clothing
32990Other manufacturing not elsewhere classified
46130Agents in the wholesale of timber and building materials
46730Wholesale trade
46831Wholesale of construction materials, general range
70200Business and other management consultancy
77393Rental and leasing activities
82100Office administrative and support services
82990Other business support services
90130Arts creation and performing arts activities
Contact
E-mail
bm-team@hotmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0759804265
Also
9925:BE0759804265
Registered
21-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.