BM TOOLS
ActiveSummary
BM TOOLS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €22k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency100▲+10
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 35.61 against 2.5 in 2024; short-term debt: 2.5% and cash: 4.9% of total assets), and 2.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.5%
Return on assets
21.8%
Age of the figures
12 mo
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
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €96k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
40 d early
2023
48 d early
2022
65 d early
2021
136 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€96k▲ 28.8%
2024 · €75k
2018: €193k
2019: €84k
2020: €84k
2021: €59k
2022: €75k
2023: €75k
2024: €75k
2018 → 2025
Total assets
€99k▼ 14.4%
2024 · €116k
2018: €322k
2019: €157k
2020: €174k
2021: €160k
2022: €120k
2023: €143k
2024: €116k
2018 → 2025
Net result
€22k▼ 29.8%
2024 · €31k
2018: €109k
2019: €19k
2020: €45k
2021: €55k
2022: €46k
2023: €45k
2024: €31k
2018 → 2025
Working capital
€86k▲ 41.4%
2024 · €61k
2018: €168k
2019: €70k
2020: €68k
2021: €58k
2022: €75k
2023: €57k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€75k▲ 27.5%€75k=€75k=€96k▲ 28.8%
Operating result€86k-€63k▼ 27.0%€60k▼ 3.8%€41k▼ 31.6%€29k▼ 29.8%
Net result€55k-€46k▼ 15.5%€45k▼ 2.6%€31k▼ 31.6%€22k▼ 29.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 30% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€10k ▼ 25.8%
Current assets
€89k ▼ 12.8%
Equity and liabilities €99k
Equity
€96k ▲ 28.8%
Debt
€2k ▼ 93.9%
Debt's share of the balance-sheet total falls from 35.2% to 2.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €45k
Cash flow
€25k▼
2024 · €34k
Current ratio
35.61▲
2024 · 2.50
Debt to equity
0.03▼
2024 · 0.54
ROE
22.4%▼
2024 · 41.1%
ROA
21.8%▼
2024 · 26.6%
Interest coverage
790.94▼
2024 · 1197.08
Debt ≤ 1 year
€2k▼
2024 · €41k
Income taxes
€7k▼
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€116k€99k▼
Fixed assets21/28€14k€10k▼
Intangible fixed assets21€14k€10k▼
Current assets29/58€102k€89k▼
Amounts receivable within one year40/41€68k€83k▲
Trade receivables40€59k€77k▲
Other amounts receivable41€9k€6k▼
Current investments50/53€553€555▲
Cash at bank and in hand54/58€32k€5k▼
Deferred charges and accrued income490/1€122€152▲
Equity and liabilities
Total equity and liabilities10/49€116k€99k▼
Equity10/15€75k€96k▲
Contributions10/11€25k€25k=
Reserves13€50k€71k▲
Distributable reserves133€50k€71k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€41k€2k▼
Amounts payable within one year42/48€41k€2k▼
Trade debts44€10k€2k▼
Suppliers440/4€10k€2k▼
Other amounts payable47/48€31k€88▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€809€487▼
Gross operating margin9900€46k€33k▼
Operating profit (loss)9901€41k€29k▼
Financial income75/76B-€29
Recurring financial income75-€29
Financial charges65/66B€38€41▲
Recurring financial charges65€38€41▲
Profit (loss) for the period before taxes9903€41k€29k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€31k€22k▼
Profit (loss) for the period to be appropriated9905€31k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€22k▼
Transfer to equity691/2-€22k
To other reserves6921-€22k
Profit to be distributed694/7€31k€0▼
Return on contributions (dividend)694€31k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Liquidity times 14current ratio 35.61
Current ratio from 2.50 to 35.61; short-term debt falls from €41k to €2k.
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Weakest financial yearnet €19k ▼82.4%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Roosdaal · 1 establishment unit since 2002
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ledebergstraat 81760 RoosdaalGround area
1,785 m²
Building footprint
143 m²
Volume, LiDAR
979 m³
Parcel 23097C0298/00P000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ledebergstraat 8, 1760 Roosdaal
since 20022.114.699.869
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23097C0298/00P000 | Flanders | 1,785 m² | 1 · 143 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Sales-Com Xpert
BE 0672.554.745
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StrinnLab
BE 0561.882.594
Gent · Eq €96,671
SIGMA MT - Demurrage Desk
BE 0474.295.653
Oostende · Eq €96,681
GECKO RECYCLING
BE 1001.957.738
Zottegem · Eq €96,684
Tim Casier
BE 0783.616.082
Zwevegem · Eq €96,013
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,977 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2002
Fiscal year end30-09
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
46610Wholesale trade
46620Wholesale of machine tools
46630Wholesale trade
46643Wholesale of electrical equipment, including installation materials
46649Wholesale of other machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.