BMA Advisory
ActiveBMA Advisory has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €463k and a net result of €145k. Equity is growing by ~51.4% per year across the filed fiscal years. Its solvency ranks better than 75% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+4
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.64 against 3.37 in 2024; short-term debt: 21.4% and cash: 59.5% of total assets), and 21.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
78.6%
Return on assets
24.7%
Age of the figures
9 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
14 d early
2024
13 d early
2023
35 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€463k▲ 45.8%
2024 · €317k
2023: €137k
2024: €317k
2023 → 2025
Total assets
€589k▲ 31.0%
2024 · €449k
2023: €201k
2024: €449k
2023 → 2025
Net result
€145k▼ 19.6%
2024 · €181k
2023: €134k
2024: €181k
2023 → 2025
Working capital
€459k▲ 46.6%
2024 · €313k
2023: €137k
2024: €313k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€137k-€317k▲ 132%€463k▲ 45.8%
Operating result€174k-€234k▲ 34.5%€172k▼ 26.5%
Net result€134k-€181k▲ 34.8%€145k▼ 19.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €589k
Fixed assets
€4k▼ 10.4%
Current assets
€585k▲ 31.4%
Equity and liabilities €589k
Equity
€463k▲ 45.8%
Debt
€126k▼ 4.5%
The debt ratio falls from 29.4% to 21.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€173k▼
2024 · €235k
Cash flow
€147k▼
2024 · €182k
Solvency
78.6%▲
2024 · 70.6%
Current ratio
4.64▲
2024 · 3.37
Quick ratio
4.64▲
2024 · 3.37
Debt / equity
0.27▼
2024 · 0.42
ROE
31.4%▼
2024 · 57.0%
ROA
24.7%▼
2024 · 40.2%
Interest coverage
64.28▼
2024 · 136.38
Debt
€126k▼
2024 · €132k
Debt ≤ 1 year
€126k▼
2024 · €132k
Income taxes
€39k▼
2024 · €55k
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€449k€589k▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€1k€1k▼
Current assets29/58€445k€585k▲
Amounts receivable within one year40/41€62k€84k▲
Trade receivables40€62k€83k▲
Other amounts receivable41-€645
Current investments50/53€326k€151k▼
Cash at bank and in hand54/58€57k€350k▲
Deferred charges and accrued income490/1€32€30▼
Equity and liabilities
Total equity and liabilities10/49€449k€589k▲
Equity10/15€317k€463k▲
Contributions10/11€3k€3k=
Reserves13€315k€460k▲
Distributable reserves133€315k€460k▲
Amounts payable17/49€132k€126k▼
Amounts payable within one year42/48€132k€126k▼
Financial debts43-€530
Credit institutions430/8-€530
Trade debts44€305€1k▲
Suppliers440/4€305€1k▲
Taxes, remuneration and social security45€117k€111k▼
Taxes450/3€116k€110k▼
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€15k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€0€770▲
Gross operating margin9900€235k€174k▼
Operating profit (loss)9901€234k€172k▼
Financial income75/76B€3k€15k▲
Recurring financial income75€3k€15k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€235k€184k▼
Income taxes67/77€55k€39k▼
Profit (loss) for the period9904€181k€145k▼
Profit (loss) for the period to be appropriated9905€181k€145k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€145k▼
Transfer to equity691/2€181k€145k▼
To other reserves6921€181k€145k▼
The notes to these accounts (6 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €181k ▲34.8%
Operating result €234k, net result €181k, both a record.
31-12
Financial
Equity above €200kEq €317k ▲132%
2 profitable years in a row build equity to €317k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bonheiden · 1 establishment unit since 2022
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.
Kraaivenstraat 62820 BonheidenGround area
1,452 m²
Building footprint
198 m²
Volume, LiDAR
1,037 m³
Parcel 12031C0247/00Y000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BMA Advisory
since 20222.340.356.711
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12031C0247/00Y000 | Flanders | 1,452 m² | 1 · 198 m² | 7.1 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.
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DOS
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UTILE DULCI
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 35,265 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.