BMA MANAGEMENT
ActiveSummary
The computed 12-month bankruptcy probability of BMA MANAGEMENT is 5.7% (elevated). The 2024 annual accounts show equity of €68,465 and a net result of €28,609. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability70▼-17
Solvency52▲+11
Growth52
Track record94
Bankruptcy probability, 12 months
5.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.55 against 0.43 in 2023; short-term debt: 35.6% and cash: 9.1% of total assets), and 73.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 2024Solvency, return and age of the figures
Solvency
26.7%
Return on assets
11.1%
Age of the figures
21 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 29-06-2026, 32 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
32 d early
2024
41 d early
2023
40 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 3 accounts on average 38 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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. Usually files around 22 June (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€68,465▲ 71.8%
2023 · €39,856
Total assets
€256,873▲ 3.3%
2023 · €248,613
Net result
€28,609▼ 20.2%
2023 · €35,856
Working capital
-€40,767▲ 21.6%
2023 · -€52,021
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20232024
Operating result€53,911-€51,262▼ 4.9%
Net result€35,856-€28,609▼ 20.2%
Equity€39,856-€68,465▲ 71.8%
Total assets€248,613-€256,873▲ 3.3%
Debt€208,757-€188,408▼ 9.7%
Working capital-€52,021--€40,767▲ 21.6%
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 2024; 2024 is 5% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €256,873
Fixed assets
€206,108 ▼ 1.3%
Current assets
€50,765 ▲ 27.7%
Equity and liabilities €256,873
Equity
€68,465 ▲ 71.8%
Debt
€188,408 ▼ 9.7%
Debt's share of the balance-sheet total falls from 84.0% to 73.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€54,025▼
2023 · €56,182
Cash flow
€31,371▼
2023 · €38,127
Current ratio
0.55▲
2023 · 0.43
Debt to equity
2.75▼
2023 · 5.24
ROE
41.8%▼
2023 · 90.0%
ROA
11.1%▼
2023 · 14.4%
Interest coverage
4.42▼
2023 · 10.80
Debt ≤ 1 year
€91,532▼
2023 · €91,764
Debt > 1 year
€96,876▼
2023 · €116,993
Income taxes
€10,436▼
2023 · €12,855
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,271 | €2,763 | ▲ 21.7% |
| Other operating charges640/8 | €1,023 | €1,120 | ▲ 9.5% |
| Gross operating margin9900 | €57,205 | €55,145 | ▼ 3.6% |
| Operating profit (loss)9901 | €53,911 | €51,262 | ▼ 4.9% |
| Financial charges65/66B | €5,200 | €12,217 | ▲ 135% |
| Recurring financial charges65 | €5,200 | €12,217 | ▲ 135% |
| Profit (loss) for the period before taxes9903 | €48,711 | €39,045 | ▼ 19.8% |
| Income taxes67/77 | €12,855 | €10,436 | ▼ 18.8% |
| Profit (loss) for the period9904 | €35,856 | €28,609 | ▼ 20.2% |
| Profit (loss) for the period to be appropriated9905 | €35,856 | €28,609 | ▼ 20.2% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €248,613 | €256,873 | ▲ 3.3% |
| Fixed assets21/28 | €208,870 | €206,108 | ▼ 1.3% |
| Tangible fixed assets22/27 | €8,779 | €6,017 | ▼ 31.5% |
| Furniture and vehicles24 | €8,779 | €6,017 | ▼ 31.5% |
| Financial fixed assets28 | €200,091 | €200,091 | = |
| Current assets29/58 | €39,743 | €50,765 | ▲ 27.7% |
| Amounts receivable within one year40/41 | €35,293 | €26,750 | ▼ 24.2% |
| Trade receivables40 | €10,293 | €1,750 | ▼ 83.0% |
| Other amounts receivable41 | €25,000 | €25,000 | = |
| Cash at bank and in hand54/58 | €4,450 | €23,318 | ▲ 424% |
| Deferred charges and accrued income490/1 | - | €697 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €248,613 | €256,873 | ▲ 3.3% |
| Equity10/15 | €39,856 | €68,465 | ▲ 71.8% |
| Contributions10/11 | €4,000 | €4,000 | = |
| Reserves13 | €35,856 | €64,465 | ▲ 79.8% |
| Distributable reserves133 | €35,856 | €64,465 | ▲ 79.8% |
| Amounts payable17/49 | €208,757 | €188,408 | ▼ 9.7% |
| Amounts payable after more than one year17 | €116,993 | €96,876 | ▼ 17.2% |
| Financial debts170/4 | €116,993 | €96,876 | ▼ 17.2% |
| Amounts payable within one year42/48 | €91,764 | €91,532 | ▼ 0.3% |
| Current portion of amounts payable after more than one year42 | €19,193 | €20,117 | ▲ 4.8% |
| Trade debts44 | €1,381 | €605 | ▼ 56.2% |
| Suppliers440/4 | €1,381 | €605 | ▼ 56.2% |
| Taxes, remuneration and social security45 | €22,372 | €29,793 | ▲ 33.2% |
| Taxes450/3 | €18,772 | €29,793 | ▲ 58.7% |
| Remuneration and social security454/9 | €3,600 | - | - |
| Other amounts payable47/48 | €48,818 | €41,017 | ▼ 16.0% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €35,856 | €28,609 | ▼ 20.2% |
| + Depreciation and write-downs630 | €2,271 | €2,763 | ▲ 21.7% |
| Operating cash flow (approximation) | €38,127 | €31,371 | ▼ 17.7% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €18,869 | - |
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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-05
State Gazette act
Resignation: Nathalie VANDER BEKEN (administratrice,mandataire à titre gratuit et préposée à la gestion)2 facts ▸
State Gazette act
Resignation: Nathalie VANDER BEKEN (administratrice,mandataire à titre gratuit et préposée à la gestion)
2 facts ▸
- General meeting, 08-05-2026
- Director resignation, Nathalie VANDER BEKEN (administratrice,mandataire à titre gratuit et préposée à la gestion)
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
State Gazette actNBB filing
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Watermaal-Bosvoorde · 1 establishment unit since 2023
Ground area
122 m²
Building footprint
122 m²
Volume, LiDAR
990 m³
Parcel 21652E0507/00S002, Brussels · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BMA MANAGEMENT
since 20232.342.207.827
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0507/00S002 | Brussels | 121 m² | 1 · 122 m² | 14.7 m · 3 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.
Mandate history
1 person since 2026, 0 in office
- Board
- Other function
- began earlier
| Name | Functions and periods |
|---|---|
| Nathalie VANDER BEKEN |
|
Identification & contact
Identification
Legal formPrivate limited company
Founded04-01-2023
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0795702579
Registered
08-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.