BMAdvice
ActiveSummary
BMAdvice has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €320,358 and a net result of €145,636. Equity is growing by ~64.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-18
Solvency49▼-51
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity tight (current ratio 1.15 against 4.77 in 2024; short-term debt: 12.5% and cash: 1.8% of total assets), and 76% of the assets are financed with debt.
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Signals
Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
24%
Return on assets
10.9%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 12819 sector peers (2025).
NBB · sector comparisonPosition among 12819 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 01-09-2025, 60 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
60 d early
2024
127 d early
2023
162 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 116 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€320,358▲ 83.4%
2024 · €174,722
Total assets
€1.3m▲ 549%
2024 · €205,428
Net result
€145,636▲ 84.4%
2024 · €78,992
Working capital
€24,336▼ 79.0%
2024 · €115,727
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€125,789-€99,685▼ 20.8%€197,084▲ 97.7%
Net result€96,330above the sector's middle half-€78,992above the sector's middle half▼ 18.0%€145,636above the sector's middle half▲ 84.4%
Equity€96,530within the sector's middle half-€174,722within the sector's middle half▲ 81.0%€320,358above the sector's middle half▲ 83.4%
Total assets€134,888within the sector's middle half-€205,428within the sector's middle half▲ 52.3%€1.3mabove the sector's middle half▲ 549%
Debt€38,358-€30,706▼ 19.9%€1.0m▲ 3,199%
Working capital€96,475within the sector's middle half-€115,727within the sector's middle half▲ 20.0%€24,336within the sector's middle half▼ 79.0%
Solvency71.6%within the sector's middle half-85.1%above the sector's middle half▲ 13.5pp24.0%below the sector's middle half▼ 61.0pp
Current ratio3.52within the sector's middle half-4.77within the sector's middle half▲ 1.251.15within the sector's middle half▼ 3.62
Return on assets (ROA)71.4%above the sector's middle half-38.5%above the sector's middle half▼ 33.0pp10.9%within the sector's middle half▼ 27.5pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 98% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€1.1m ▲ 1,835%
Current assets
€191,681 ▲ 30.9%
Equity and liabilities €1.3m
Equity
€320,358 ▲ 83.4%
Debt
€1.0m ▲ 3,199%
Debt's share of the balance-sheet total rises from 14.9% to 76.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€211,819▲
2024 · €114,420
Cash flow
€160,371▲
2024 · €93,727
Debt to equity
3.16▲
2024 · 0.18
ROE
45.5%▲
2024 · 45.2%
Interest coverage
70.39▼
2024 · 429.57
Debt ≤ 1 year
€167,345▲
2024 · €30,706
Debt > 1 year
€842,857
Income taxes
€51,295▲
2024 · €22,374
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €14,735 | €14,735 | = |
| Other operating charges640/8 | €300 | €432 | €441 | ▲ 2.0% |
| Gross operating margin9900 | €126,089 | €114,852 | €212,260 | ▲ 84.8% |
| Operating profit (loss)9901 | €125,789 | €99,685 | €197,084 | ▲ 97.7% |
| Financial income75/76B | €591 | €1,947 | €2,856 | ▲ 46.7% |
| Recurring financial income75 | €591 | €1,947 | €2,856 | ▲ 46.7% |
| Financial charges65/66B | €108 | €266 | €3,009 | ▲ 1,030% |
| Recurring financial charges65 | €108 | €266 | €3,009 | ▲ 1,030% |
| Profit (loss) for the period before taxes9903 | €126,273 | €101,365 | €196,931 | ▲ 94.3% |
| Income taxes67/77 | €29,943 | €22,374 | €51,295 | ▲ 129% |
| Profit (loss) for the period9904 | €96,330 | €78,992 | €145,636 | ▲ 84.4% |
| Profit (loss) for the period to be appropriated9905 | €96,330 | €78,992 | €145,636 | ▲ 84.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €134,888 | €205,428 | €1.3m | ▲ 549% |
| Fixed assets21/28 | €55 | €58,995 | €1.1m | ▲ 1,835% |
| Tangible fixed assets22/27 | - | €58,940 | €44,205 | ▼ 25.0% |
| Furniture and vehicles24 | - | €58,940 | €44,205 | ▼ 25.0% |
| Financial fixed assets28 | €55 | €55 | €1.1m | ▲ 1,995,514% |
| Current assets29/58 | €134,833 | €146,433 | €191,681 | ▲ 30.9% |
| Amounts receivable after more than one year29 | €90,908 | €105,000 | €150,000 | ▲ 42.9% |
| Other amounts receivable291 | €90,908 | €105,000 | €150,000 | ▲ 42.9% |
| Amounts receivable within one year40/41 | €10,061 | €12,133 | €18,224 | ▲ 50.2% |
| Trade receivables40 | €10,000 | €12,100 | €18,150 | ▲ 50.0% |
| Other amounts receivable41 | €61 | €33 | €74 | ▲ 123% |
| Cash at bank and in hand54/58 | €33,864 | €29,300 | €23,457 | ▼ 19.9% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €134,888 | €205,428 | €1.3m | ▲ 549% |
| Equity10/15 | €96,530 | €174,722 | €320,358 | ▲ 83.4% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €95,500 | €173,500 | €319,000 | ▲ 83.9% |
| Distributable reserves133 | €95,500 | €173,500 | €319,000 | ▲ 83.9% |
| Profit (loss) carried forward14 | €30 | €222 | €358 | ▲ 61.5% |
| Amounts payable17/49 | €38,358 | €30,706 | €1.0m | ▲ 3,199% |
| Amounts payable after more than one year17 | - | - | €842,857 | - |
| Financial debts170/4 | - | - | €842,857 | - |
| Amounts payable within one year42/48 | €38,358 | €30,706 | €167,345 | ▲ 445% |
| Financial debts43 | - | - | €107,143 | - |
| Credit institutions430/8 | - | - | €107,143 | - |
| Taxes, remuneration and social security45 | €36,294 | €29,473 | €60,202 | ▲ 104% |
| Taxes450/3 | €36,294 | €28,657 | €60,202 | ▲ 110% |
| Remuneration and social security454/9 | - | €816 | - | - |
| Other amounts payable47/48 | €2,064 | €1,233 | - | - |
| Accrued charges and deferred income492/3 | - | - | €2,913 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €96,330 | €78,992 | €145,636 | ▲ 84.4% |
| + Depreciation and write-downs630 | - | €14,735 | €14,735 | = |
| Operating cash flow (approximation) | €96,330 | €93,727 | €160,371 | ▲ 71.1% |
| Investment in fixed assets (approximation) | - | -€73,675 | -€1.1m | ▼ 1,390% |
| Change in cash | - | -€4,565 | -€5,843 | ▼ 28.0% |
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
2025
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2023net €145,636 ▲84.4%
Operating result €197,084, net result €145,636, both a record.
31-03
Financial
Equity above €200,000Eq €320,358 ▲83.4%
3 profitable years in a row build equity to €320,358.
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €78,992 ▼18%
Net result drops to €78,992, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €150,000Eq €174,722 ▲81%
2 profitable years in a row build equity to €174,722.
2023
22-05
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Waasmunster · 1 establishment unit since 2021
Ground area
3,482 m²
Building footprint
346 m²
Volume, LiDAR
62 m³
Parcel 42342C1589/00M000, Flanders · tallest building 1.1 m. Linked by address, not a title deed.
1 establishment unit
Notaris Birgit Medaer
since 20212.322.805.352
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C1589/00M000 | Flanders | 3,482 m² | 1 · 346 m² | 1.1 m |
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.
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Of 2,261 companies in sector 69102 we hold annual accounts for 1,755. 1,360 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-10-2021
Fiscal year end31-03
Activities, NACEBEL 2025
69102Activities of notaries
E-invoicing
Reachable via Peppol
Peppol ID
0208:0775510149
Also
9925:BE0775510149
Registered
12-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.