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Generated 11-08-2026
Active BE 1005.245.147Private limited company

BMA2

Rue du Plantis, Gendron 7 ·5561 Houyet, Belgium· 2 yrs active
Sector: Lawyers (69101)
Conclusion Checked

The computed 12-month bankruptcy probability of BMA2 is 0.6% (low). The 2024 annual accounts show equity of €4k and a net result of €1k. Its solvency ranks better than 6% of 4818 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €4k
Net result €1k
Better than sector 6%
Active 2 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health43Profitability100Solvency2Growth-Stability67
53 / 100

Mixed profile: strong on profitability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 43
Profitability 100
Solvency 2
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
43 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 30-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 3.4% 61.0%
better than 6% of 4818 sector peers
Net result €1k €34k
better than 9% of 4815 sector peers
Equity €4k €59k
better than 7% of 4818 sector peers
Gross operating margin €32k €56k
better than 27% of 4813 sector peers
Total assets €131k €117k
better than 55% of 4818 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€31k
Net profit€1k
Cash flow€28k
Staff costs-
Income taxes€1k
Dividends-
Total assets€131k
Equity€4k
Debt€126k
of which ≤ 1y€68k
of which > 1y€56k
Working capital€-53k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.22
Quick ratio0.22
Working capital ratio-40.8%
Solvency3.4%
Debt / equity28.17
Long-term debt ratio12.56
Interest coverage18.53
Gross margin-
Net margin-
ROA1.1%
ROE33.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€131k
Fixed assets 21/28€115k
Intangible fixed assets 21€114k
Tangible fixed assets 22/27€2k
Financial fixed assets 28€56
Current assets 29/58€15k
Amounts receivable within one year 40/41€9k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€131k
Equity 10/15€4k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€1k
Amounts payable 17/49€126k
Amounts payable after one year 17€56k
Amounts payable within one year 42/48€68k
Trade debts payable within one year 44€539
Income statement
Gross operating margin 9900€32k
Operating result 9901€5k
Financial charges 65€2k
Result before taxes 9903€3k
Income taxes 67/77€1k
Net result for the period 9904€1k
Result to be appropriated 9905€1k
Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • Nadine BARTHELEMY
    Director
    State Gazette act 25155782 (10-12-2025)
    Current
    01-01-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Lawyers(69101)
Legal form Private limited company(610)
Incorporation26-01-2024
StatusActive
Postal code5561
Establishment units 2 locations
BMA2
Rue du Plantis, Gendron 7, 5561 HouyetActiviteiten van advocaten
since 20242.355.087.645
BMA2
Sur-le-Mont, Gendron 11, 5561 HouyetActiviteiten van advocaten
since 20242.356.849.976
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
91026F0055/00S000 Wallonia 698 m² 1 · 142 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
10-12-2025
State Gazette act Director changes
v3.2
30-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-01-2024
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 8 months ago
2025
10-12-2025 Nadine BARTHELEMY appointed as director Director changes
  • Nadine BARTHELEMY, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Nadine BARTHELEMY",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-01-01",
      "evidence_quote": "Madame Nadine BARTHELEMY, avocat au Barreau de Dinant, domicili\u00E9e rue du Plantis 7 \u00E0 5561 Gendron est nomm\u00E9e administrateur. Son mandat a d\u00E9but\u00E9 le 1er janvier 2025."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1005.245.147",
    "name_full": "BMA2",
    "legal_form": "SRL"
  }
}
2024
30-01-2024 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "5561 Celles",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1986-02-14",
        "name": "MARIQUE Bee",
        "niss": null,
        "address": "5561 Gendron (Houyet), rue Sur le Mont 11 Bte 1"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3000,
      "holder_person_name": "MARIQUE Bee",
      "is_subscriber_only": false,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 3000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 3000,
  "subject_company": {
    "kbo": "1005.245.147",
    "name_full": "BMA2",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2024-01-25",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van advocaten69101Activiteiten van advocaten69101
Primary activity highlighted.
Names & trade names
Legal nameFR BMA2
Registered office
Rue du Plantis, Gendron 7
5561 Houyet, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative