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 €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 23% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
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 €22k 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.
Credit check for your own amount and term
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
Sector 69
lower
← 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 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 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 →
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 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€320k▲ 83.4%
2024 · €175k
2023: €97k
2024: €175k
2023 → 2025
Total assets
€1.33M▲ 549%
2024 · €205k
2023: €135k
2024: €205k
2023 → 2025
Net result
€146k▲ 84.4%
2024 · €79k
2023: €96k
2024: €79k
2023 → 2025
Working capital
€24k▼ 79.0%
2024 · €116k
2023: €96k
2024: €116k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€97k-€175k▲ 81.0%€320k▲ 83.4%
Operating result€126k-€100k▼ 20.8%€197k▲ 97.7%
Net result€96k-€79k▼ 18.0%€146k▲ 84.4%
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 €1.33M
Fixed assets
€1.14M ▲ 1,835%
Current assets
€192k ▲ 30.9%
Equity and liabilities €1.33M
Equity
€320k ▲ 83.4%
Debt
€1.01M ▲ 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
€212k▲
2024 · €114k
Cash flow
€160k▲
2024 · €94k
Current ratio
1.15▼
2024 · 4.77
Debt to equity
3.16▲
2024 · 0.18
ROE
45.5%▲
2024 · 45.2%
ROA
10.9%▼
2024 · 38.5%
Interest coverage
70.39▼
2024 · 429.57
Debt ≤ 1 year
€167k▲
2024 · €31k
Debt > 1 year
€843k
Income taxes
€51k▲
2024 · €22k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€205k€1.33M▲
Fixed assets21/28€59k€1.14M▲
Tangible fixed assets22/27€59k€44k▼
Furniture and vehicles24€59k€44k▼
Financial fixed assets28€55€1.10M▲
Current assets29/58€146k€192k▲
Amounts receivable after more than one year29€105k€150k▲
Other amounts receivable291€105k€150k▲
Amounts receivable within one year40/41€12k€18k▲
Trade receivables40€12k€18k▲
Other amounts receivable41€33€74▲
Cash at bank and in hand54/58€29k€23k▼
Equity and liabilities
Total equity and liabilities10/49€205k€1.33M▲
Equity10/15€175k€320k▲
Contributions10/11€1k€1k=
Reserves13€174k€319k▲
Distributable reserves133€174k€319k▲
Profit (loss) carried forward14€222€358▲
Amounts payable17/49€31k€1.01M▲
Amounts payable after more than one year17-€843k
Financial debts170/4-€843k
Amounts payable within one year42/48€31k€167k▲
Financial debts43-€107k
Credit institutions430/8-€107k
Taxes, remuneration and social security45€29k€60k▲
Taxes450/3€29k€60k▲
Remuneration and social security454/9€816-
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k=
Other operating charges640/8€432€441▲
Gross operating margin9900€115k€212k▲
Operating profit (loss)9901€100k€197k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€266€3k▲
Recurring financial charges65€266€3k▲
Profit (loss) for the period before taxes9903€101k€197k▲
Income taxes67/77€22k€51k▲
Profit (loss) for the period9904€79k€146k▲
Profit (loss) for the period to be appropriated9905€79k€146k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€146k▲
Profit (loss) brought forward from the previous period14P€30€222▲
Transfer to equity691/2€78k€146k▲
To other reserves6921€78k€146k▲
Profit to be distributed694/7€800-
Return on contributions (dividend)694€800-
The notes to these accounts (8 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
2025
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2023net €146k ▲84.4%
Operating result €197k, net result €146k, both a record.
31-03
Financial
Equity above €200kEq €320k ▲83.4%
3 profitable years in a row build equity to €320k.
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €79k ▼18%
Net result drops to €79k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €150kEq €175k ▲81%
2 profitable years in a row build equity to €175k.
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.
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
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.
Regnier De Herdedreef 189250 WaasmunsterGround 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
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.
Similar companies · same sector, comparable size
Morrens, Coelst & Somers, Notarissen
BE 0880.920.148
Bonheiden · Eq €320,460
Jo Debyser & Mathieu Melis, geassocieerde notarissen
BE 0778.468.946
Ardooie · Eq €320,585
Notaris Bram Vuylsteke
BE 0867.465.357
Riemst · Eq €320,052
Charles DEBRAY, Notaire
BE 0791.571.270
Châtelet · Eq €320,877
Notariskantoor Huygens & Lefevre
BE 0795.793.344
Mechelen · Eq €321,562
Of 2,258 companies in sector 69102 we hold annual accounts for 1,754. 1,360 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2021
Fiscal year end31-03
Activities, NACEBEL 2025
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.