BM TRADING

Active

Private limited companyfounded 20169 yrs activeJan Breydellaan(Kor) 87, 8500 Kortrijk, BelgiumKBO/BCE: BE 0665.850.857

BM TRADING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €27k. Its solvency ranks better than 48% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

78 / 100

Excellent▼ -15 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency69▼-25

Growth32

Stability100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.39 against 1.94 in 2024), and 60.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

39.4%

Return on assets

26.3%

Age of the figures

15 mo

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

1 d early

2024

4 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close15-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€41k▼ 19.2%

2024 · €51k

2024: €51k

2024 → 2025

Total assets

€104k▲ 4.5%

2024 · €99k

2024: €99k

2024 → 2025

Net result

€27k▼ 45.3%

2024 · €50k

2024: €50k

2024 → 2025

Working capital

€24k▼ 47.7%

2024 · €46k

2024: €46k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€51k-€41k▼ 19.2%

Operating result€64k-€36k▼ 43.8%

Net result€50k-€27k▼ 45.3%

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 falls in 2025; 2025 is 44% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €104k

16.8%

83.2%

Fixed assets €17k▲ 274%

Current assets €86k▼ 8.8%

Equity and liabilities €104k

39.4%

60.6%

Equity €41k▼ 19.2%

Debt €63k▲ 29.1%

The debt ratio rises from 49.0% to 60.6%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€42k▼

2024 · €65k

Cash flow

€33k▼

2024 · €51k

Solvency

39.4%▼

2024 · 51.0%

Current ratio

1.39▼

2024 · 1.94

Quick ratio

1.39▼

2024 · 1.94

Debt / equity

1.54▲

2024 · 0.96

ROE

66.7%▼

2024 · 98.4%

ROA

26.3%▼

2024 · 50.2%

Interest coverage

47.65▼

2024 · 59.25

Debt

€63k▲

2024 · €49k

Debt ≤ 1 year

€62k▲

2024 · €49k

Income taxes

€8k▼

2024 · €14k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€99k€104k▲

Fixed assets21/28€5k€17k▲

Tangible fixed assets22/27€5k€17k▲

Furniture and vehicles24€0€13k▲

Other tangible fixed assets26€5k€4k▼

Current assets29/58€95k€86k▼

Amounts receivable after more than one year29€0-

Other amounts receivable291€0-

Amounts receivable within one year40/41€16k€8k▼

Trade receivables40€12k€130▼

Other amounts receivable41€4k€7k▲

Cash at bank and in hand54/58€77k€79k▲

Deferred charges and accrued income490/1€885€0▼

Equity and liabilities

Total equity and liabilities10/49€99k€104k▲

Equity10/15€51k€41k▼

Contributions10/11€1k€1k=

Reserves13€50k€40k▼

Non-distributable reserves130/1€0-

Reserves not available under the articles1311€0-

Distributable reserves133€50k€40k▼

Profit (loss) carried forward14€0€0=

Amounts payable17/49€49k€63k▲

Amounts payable within one year42/48€49k€62k▲

Trade debts44€3k€0▼

Suppliers440/4€3k€0▼

Taxes, remuneration and social security45€2k€12k▲

Taxes450/3€2k€12k▲

Other amounts payable47/48€45k€51k▲

Accrued charges and deferred income492/3-€562

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€833€6k▲

Other operating charges640/8€1k€1k▲

Gross operating margin9900€66k€43k▼

Operating profit (loss)9901€64k€36k▼

Financial income75/76B€890€0▼

Recurring financial income75€890€0▼

Financial charges65/66B€1k€885▼

Recurring financial charges65€1k€885▼

Profit (loss) for the period before taxes9903€64k€35k▼

Income taxes67/77€14k€8k▼

Profit (loss) for the period9904€50k€27k▼

Profit (loss) for the period to be appropriated9905€50k€27k▼

Appropriation of the result

Profit (loss) to be appropriated9906€50k€27k▼

Transfer from equity791/2€0€11k▲

Transfer to equity691/2€265€875▲

To other reserves6921€265€875▲

Profit to be distributed694/7€50k€37k▼

Return on contributions (dividend)694€50k€37k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2026

30-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

04-02

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 4 days late

NBB filing

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, Kortrijk · 1 establishment unit since 2016

establishment The establishment unit on the map

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.

Jan Breydellaan(Kor) 878500 Kortrijk

Ground area

407 m²

Building footprint

182 m²

Volume, LiDAR

1,360 m³

Parcel 34353B0162/00W006, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

BM TRADING

Jan Breydellaan(Kor) 87, 8500 KortrijkFinancial service activities, except insurance and pension funding

since 20162.258.732.991

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34353B0162/00W006	Flanders	407 m²	1 · 182 m²	12.8 m · 3 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

CROWN BUSINESS DEVELOPMENT

Of 6,127 companies in sector 46190 we hold annual accounts for 2,554. 1,876 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-11-2016

Fiscal year end30-06

Activities, NACEBEL

46190Agents in non-specialised wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.