Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BMAdvice is 0.3% (very low). The 2025 annual accounts show equity of €320k and a net result of €146k. Equity is growing by ~64.1% per year across the filed fiscal years. Its solvency ranks better than 30% of 1957 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest 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. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-03. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-03-2025 | 31-10-2025 | 01-09-2025 | 60 d early | 2025-00458838 |
| 31-03-2024 | 31-10-2024 | 26-06-2024 | 127 d early | 2024-00162600 |
| 31-03-2023 | 31-10-2023 | 22-05-2023 | 162 d early | 2023-00090518 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€146k+84.4%
Working capital€24k-79.0%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 01-09-2025 with the NBB · fiscal year 2025 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~64.1%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 24.0% | 53.8% | |
| Net result | €146k | €43k | |
| Equity | €320k | €56k | |
| Gross operating margin | €212k | €68k | |
| Total assets | €1.33M | €133k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P30
Weakening position over 2023-2025
· n=1957-4829
P91
Stable position over 2023-2025
· n=1957-4826
P92
Improving position over 2023-2025
· n=1958-4829
P90
Stable position over 2023-2025
· n=1956-4824
Describes the position versus peers, not a forecast.
€212k
+85.1%
23-25
€146k
+84.4%
23-25
€160k
+71.1%
23-25
€1.33M
+549.1%
23-25
€320k
+83.4%
23-25
€24k
-79.0%
23-25
€51k
+129.3%
23-25
€800
0.0%
23-25
Show 10 other metrics
€1.01M
+3199.4%
23-25
€167k
+445.0%
23-25
€843k
-
23-25
1.15
-76.0%
23-25
1.15
-76.0%
23-25
24.0%
-71.8%
23-25
3.16
+1699.5%
23-25
45.5%
+0.6%
23-25
10.9%
-71.6%
23-25
70.39
-83.6%
23-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €212k |
| Net profit | €146k |
| Cash flow | €160k |
| Staff costs | - |
| Income taxes | €51k |
| Dividends | - |
| Total assets | €1.33M |
| Equity | €320k |
| Debt | €1.01M |
| of which ≤ 1y | €167k |
| of which > 1y | €843k |
| Working capital | €24k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.15 |
| Quick ratio | 1.15 |
| Working capital ratio | 1.8% |
| Solvency | 24.0% |
| Debt / equity | 3.16 |
| Long-term debt ratio | 2.63 |
| Interest coverage | 70.39 |
| Gross margin | - |
| Net margin | - |
| ROA | 10.9% |
| ROE | 45.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.33M |
| Fixed assets | 21/28 | €1.14M |
| Tangible fixed assets | 22/27 | €44k |
| Financial fixed assets | 28 | €1.10M |
| Current assets | 29/58 | €192k |
| Amounts receivable within one year | 40/41 | €18k |
| Cash & bank | 54/58 | €23k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.33M |
| Equity | 10/15 | €320k |
| Contributions / capital | 10/11 | €1k |
| Reserves | 13 | €319k |
| Accumulated profits (losses) | 14 | €358 |
| Amounts payable | 17/49 | €1.01M |
| Amounts payable after one year | 17 | €843k |
| Amounts payable within one year | 42/48 | €167k |
| Income statement | ||
| Gross operating margin | 9900 | €212k |
| Operating result | 9901 | €197k |
| Financial income | 75 | €3k |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €197k |
| Income taxes | 67/77 | €51k |
| Net result for the period | 9904 | €146k |
| Result to be appropriated | 9905 | €146k |
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed76
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Connections & network
1 connected companyGroup structure
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partyBMAdviceBE 0775.510.149
controls
Where this company holds controlthis company sits on their board1
1 location
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationNotaris Birgit Medaer
since 20212.322.805.352
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,482 m²
Buildings1
Building footprint346 m²
Volume (LiDAR)62 m³
Tallest building1.1 m
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C1589/00M000 | Flanders | 3,482 m² | 1 · 346 m² | 1.1 m |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts All acts · 3
updated 4 months ago
2026
13-04-2026 Act object · Notarial deed · General meeting · Name change
- Act object: BOEKJAAR, ALGEMENE VERGADERING, BENAMING · NOTARIS BIRGIT MEDAER
- Notarial deed: 2026-03-31 · NOTARIS BIRGIT MEDAER
- General meeting: 2026-03-31 · NOTARIS BIRGIT MEDAER
- Name change: new_name: BMAdvice, old_name: NOTARIS BIRGIT MEDAER, effective_date: 2026-04-01 · NOTARIS BIRGIT MEDAER
- Purpose change: new_purpose: De vennootschap heeft als voorwerp: het uitoefenen van het beroep van kandidaat-notaris, onder eerbiediging van de wettelijke en deontologische bepalingen die het notariaat beheersen. De vennootschap kan, uitsluitend in eigen naam en voor eigen rekening, in het kader van de verwezenlijking van haar voorwerp als voorzichtig en redelijk persoon van haar vermogen, alle financiële, roerende en onroerende handelingen verrichtingen. Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp, rechtstreeks of onrechtstreeks, geheel of ten dele vergemakkelijken. De vennootschap mag zich borgstellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren, in de meest ruime zin. In het geval de verrichting van bepaalde handelingen zou onderworpen zijn aan voorafgaande voorwaarden inzake toegang tot het beroep, zal de vennootschap haar optreden, wat betreft de verrichting van deze handelingen, aan de vervulling van deze voorwaarden ondergeschikt maken. Zij kan daartoe bovendien alle leningen, financieringen en leasingcontracten aangaan. Zij mag tevens haar roerend en onroerend vermogen rationeel beheren. Binnen de perken van dit beheer, zal de vennootschap voor eigen rekening in de vorm van beleggingen alle roerende en onroerende goederen kunnen verwerven, vervreemden, huren en verhuren, met persoonlijke en zakelijke rechten bezwaren, op voorwaarde dat deze verrichtingen niet commercieel van aard zijn. Dit alles in de meest ruime zin. Deze opsomming is opsommend en niet beperkend. De vennootschap kan bovendien alle verrichtingen, zowel roerend als onroerend, uitvoeren die nodig of dienstig zijn voor de verwezenlijking van haar voorwerp. De vennootschap mag tevens in België als in het buitenland overgaan tot het aan en verkopen van onroerende goederen. De vennootschap mag overgaan tot het beheren en oordeelkundig uitbreiden in de ruimste zin van het woord van een patrimonium, zowel bestaande uit roerende als onroerende goederen. De vennootschap zal in dit verband mogen overgaan tot het aankopen en verkopen, opschikken, uitrusten, valoriseren, bouwen, laten bouwen en verbouwen, zakelijke rechten verlenen, afsluiten, overdragen of verwerven, in leasing geven of nemen, in huur nemen of verhuren van onroerende goederen, bebouwd of onbebouwd, gemeubeld of ongemeubeld. De vennootschap mag haar onroerende goederen in hypotheek stellen en al haar andere goederen, met inbegrip van het handelsfonds, in pand stellen en mag aval verlenen voor alle leningen, kredietopeningen en andere verbintenissen zowel voor haarzelf als voor derden op voorwaarde dat zij er zelf belang bij heeft. Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp, rechtstreeks of onrechtstreeks, geheel of ten dele vergemakkelijken., effective_date: 2026-04-01 · NOTARIS BIRGIT MEDAER
- First fiscal year: end: 2027-09-30, start: 2026-10-01, current_fiscal_year_end: 2026-09-30 · NOTARIS BIRGIT MEDAER
- Annual meeting schedule: date: 17 december, rule: Indien deze dag een zaterdag, zondag of wettelijke feestdag is, dan wordt de jaarvergadering verlegd naar eerstvolgende werkdag op hetzelfde uur., time: 10.00 uur · NOTARIS BIRGIT MEDAER
- Statute amendment: Volledige nieuwe tekst van de statuten · NOTARIS BIRGIT MEDAER
- Officer appointment: role: statutaire bestuurder, term: voor de duur van de vennootschap · Medaer Birgit
- Representation rule: De enige bestuurder vertegenwoordigt de vennootschap jegens derden en in rechte als eiser of als verweerder. · NOTARIS BIRGIT MEDAER
- Power of attorney: bijzondere volmacht om de vennootschap te vertegenwoordigen voor de uitvoering van alle genomen beslissingen, met mogelijkheid tot indeplaatsstelling · Geert Van Osselaer
- Power of attorney: bijzondere volmacht om de vennootschap te vertegenwoordigen voor de uitvoering van alle genomen beslissingen, met mogelijkheid tot indeplaatsstelling · Accountantskantoor Helon
- Filing: 2026-04-09 · NOTARIS BIRGIT MEDAER
- Publication: 2026-04-13 · NOTARIS BIRGIT MEDAER
Summary:
Act object · Notarial deed · General meeting · Name changeNotary:
Myriam-Alexandra Vreven
2022
06-10-2022 Articles of association amended
Summary:
v3.2
2021
12-10-2021 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured77
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
76
Profitability
100
Solvency
38
Growth
78
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 525 of the 2,251 companies in this sector. 388 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van notarissen69102Activiteiten van notarissen69102
Primary activity highlighted.
Names & trade names
| Legal nameNL | BMAdvice |
Registered office
Regnier De Herdedreef 18
9250 Waasmunster, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.