BMA CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €191k and a net result of €8k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 33% of 2435 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
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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
30 d late
2022
112 d late
2021
134 d late
2020
233 d late
2019
122 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€191k▲ 4.1%
2024 · €183k
2018: €172k
2019: €160k
2020: €240k
2021: €241k
2022: €262k
2023: €192k
2024: €183k
2018 → 2025
Net result
€8k
2024 · €-9k
2018: €-43k
2019: €-12k
2020: €80k
2021: €1k
2022: €21k
2023: €-70k
2024: €-9k
2018 → 2025
Total assets
€636k▲ 6.7%
2024 · €596k
2018: €966k
2019: €908k
2020: €910k
2021: €800k
2022: €729k
2023: €622k
2024: €596k
2018 → 2025
Solvency
30.0%▼ 0.7pp
2024 · 30.7%
2018: 17.8%
2019: 17.6%
2020: 26.4%
2021: 30.2%
2022: 36.0%
2023: 30.9%
2024: 30.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€241k-€262k▲ 8.6%€192k▼ 26.6%€183k▼ 4.9%€191k▲ 4.1%
Operating result€4k-€43k▲ 1,027%€-49k€-7k▲ 85.4%€20k
Net result€1k-€21k▲ 1,379%€-70k€-9k▲ 86.6%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €20k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €636k
Fixed assets
€307k▼ 4.0%
Current assets
€329k▲ 19.1%
Equity and liabilities €636k
Equity
€191k▲ 4.1%
Debt
€445k▲ 7.9%
The debt ratio rises from 69.3% to 70.0%. Equity and debt are higher.
Key figures and ratios
Solvency
30.0%▼
2024 · 30.7%
ROE
4.0%▲
2024 · -5.1%
ROA
1.2%▲
2024 · -1.6%
Debt
€445k▲
2024 · €413k
Debt ≤ 1 year
€156k▲
2024 · €89k
Debt > 1 year
€289k▼
2024 · €324k
Income taxes
€176▲
2024 · €-30
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€596k€636k▲
Fixed assets21/28€320k€307k▼
Tangible fixed assets22/27€320k€307k▼
Land and buildings22€319k€307k▼
Furniture and vehicles24€516€388▼
Financial fixed assets28€0-
Current assets29/58€276k€329k▲
Amounts receivable after more than one year29€261k€270k▲
Other amounts receivable291€261k€270k▲
Amounts receivable within one year40/41€6k€20k▲
Trade receivables40€6k€20k▲
Cash at bank and in hand54/58€2€38k▲
Deferred charges and accrued income490/1€10k€357▼
Equity and liabilities
Total equity and liabilities10/49€596k€636k▲
Equity10/15€183k€191k▲
Contributions10/11€19k€19k=
Reserves13€263k€263k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€242k€242k=
Profit (loss) carried forward14€-98k€-91k▲
Amounts payable17/49€413k€445k▲
Amounts payable after more than one year17€324k€289k▼
Financial debts170/4€324k€289k▼
Amounts payable within one year42/48€89k€156k▲
Current portion of amounts payable after more than one year42€34k€34k▲
Financial debts43€24k€0▼
Credit institutions430/8€24k€0▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€28k€1k▼
Taxes450/3€28k€1k▼
Other amounts payable47/48-€118k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€3k€7k▲
Gross operating margin9900€10k€39k▲
Operating profit (loss)9901€-7k€20k▲
Financial income75/76B€9k€50▼
Recurring financial income75€9k€50▼
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€-9k€8k▲
Income taxes67/77€-30€176▲
Profit (loss) for the period9904€-9k€8k▲
Profit (loss) for the period to be appropriated9905€-9k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-98k€-91k▲
Profit (loss) brought forward from the previous period14P€-89k€-98k▼
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-70k ▼436%
Net result drops to €-70k, the lowest in the series; recovery starts the following year.
20-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 112 days late
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 134 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 233 days late
2020
31-12
Financial
Back to profitnet €80k
Net result €80k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €240k ▲50%
Equity rises from €160k to €240k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
09-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 70 days late
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 49 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Genesius-Rode · 1 establishment unit since 2021
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.
Oliebronstraat 31640 Sint-Genesius-RodeGround area
590 m²
Building footprint
495 m²
Volume, LiDAR
4,389 m³
Parcel 22004C0835/00R000, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BMA IMMO
since 20212.313.716.650
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0835/00R000 | Flanders | 590 m² | 1 · 495 m² | 12.1 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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2003
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.