BMCS
ActiveBMCS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €40k and a net result of €2k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability54▼-46
Solvency57▼-23
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 1.68 against 2.06 in 2023; short-term debt: 56.5% and cash: 2.5% of total assets), but 68.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
31.6%
Return on assets
1.2%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-11-2025, 119 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
119 d late
2023
483 d late
2022
30 d late
2021
193 d late
2020
61 d late
2019
166 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€40k▼ 24.7%
2023 · €53k
2018: €-44k
2019: €-13k
2020: €13k
2021: €37k
2022: €19k
2023: €53k
2018 → 2024
Total assets
€125k▲ 30.2%
2023 · €96k
2018: €55k
2019: €87k
2020: €65k
2021: €125k
2022: €78k
2023: €96k
2018 → 2024
Net result
€2k▼ 95.4%
2023 · €34k
2018: €-29k
2019: €31k
2020: €26k
2021: €24k
2022: €13k
2023: €34k
2018 → 2024
Working capital
€48k▲ 4.5%
2023 · €46k
2018: €-43k
2019: €-12k
2020: €8k
2021: €30k
2022: €10k
2023: €46k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€13k-€37k▲ 182%€19k▼ 49.4%€53k▲ 181%€40k▼ 24.7%
Operating result€27k-€30k▲ 14.0%€17k▼ 44.8%€49k▲ 194%€4k▼ 91.8%
Net result€26k-€24k▼ 9.0%€13k▼ 47.1%€34k▲ 168%€2k▼ 95.4%
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 92% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €125k
Fixed assets
€6k▼ 1.0%
Current assets
€119k▲ 32.4%
Equity and liabilities €125k
Equity
€40k▼ 24.7%
Debt
€86k▲ 96.1%
The debt ratio rises from 45.4% to 68.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2023 · €51k
Cash flow
€4k▼
2023 · €36k
Solvency
31.6%▼
2023 · 54.6%
Current ratio
1.68▼
2023 · 2.06
Quick ratio
1.57▼
2023 · 1.89
Debt / equity
2.17▲
2023 · 0.83
ROE
3.9%▼
2023 · 64.4%
ROA
1.2%▼
2023 · 35.1%
Interest coverage
4.00▼
2023 · 137.57
Debt
€86k▲
2023 · €44k
Debt ≤ 1 year
€71k▲
2023 · €44k
Debt > 1 year
€15k
Income taxes
€828▼
2023 · €15k
Staff costs
€9k▼
2023 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€96k€125k▲
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23€499€2k▲
Other tangible fixed assets26€5k€3k▼
Financial fixed assets28€790€790=
Current assets29/58€90k€119k▲
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€43k€55k▲
Trade receivables40€25k€17k▼
Other amounts receivable41€18k€38k▲
Cash at bank and in hand54/58€40k€3k▼
Deferred charges and accrued income490/1-€52k
Equity and liabilities
Total equity and liabilities10/49€96k€125k▲
Equity10/15€53k€40k▼
Contributions10/11€15k€15k=
Reserves13-€25k
Distributable reserves133-€25k
Profit (loss) carried forward14€38k-
Amounts payable17/49€44k€86k▲
Amounts payable after more than one year17-€15k
Financial debts170/4-€15k
Amounts payable within one year42/48€44k€71k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€8k€45k▲
Suppliers440/4€8k€45k▲
Taxes, remuneration and social security45€36k€12k▼
Taxes450/3€36k€12k▼
Other amounts payable47/48-€4k
Income statement
Code20232024
Remuneration, social security and pensions62€12k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€7k€449▼
Gross operating margin9900€70k€16k▼
Operating profit (loss)9901€49k€4k▼
Financial income75/76B€1€1=
Recurring financial income75€1€1=
Financial charges65/66B€372€2k▲
Recurring financial charges65€372€2k▲
Profit (loss) for the period before taxes9903€49k€2k▼
Income taxes67/77€15k€828▼
Profit (loss) for the period9904€34k€2k▼
Profit (loss) for the period to be appropriated9905€34k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€25k▼
Profit (loss) brought forward from the previous period14P€4k€23k▲
Transfer to equity691/2-€25k
To other reserves6921-€25k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 119 days late
26-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 483 days late
2023
31-12
Financial
Highest result since 2018net €34k ▲168%
Operating result €49k, net result €34k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 193 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 166 days late
12-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 531 days late
2019
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Riemst · 1 establishment unit since 2013
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.
Smisstraat 43770 RiemstGround area
873 m²
Building footprint
452 m²
Volume, LiDAR
2,573 m³
Parcel 73092B0953/00R000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bakkerij Bollen
since 20132.246.833.170
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73092B0953/00R000 | Flanders | 873 m² | 1 · 452 m² | 10.7 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 135 EUR awarded · 135 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteRiemst2.246.833.170
Similar companies · same sector, comparable size
DELI ANDERLECHT
BE 0449.627.266
Anderlecht · Eq €39k
BENELUX & PARTNERS
BE 0764.941.208
Mechelen · Eq €40k
SAEY JUNIORS
BE 0441.400.676
Mons · Eq €40k
SAR
BE 0758.812.687
Anderlecht · Eq €40k
ABZET
BE 0845.676.187
Seraing · Eq €39k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 921 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-06-2013
Fiscal year end31-12
Trade name NL
Bakkerij Bollen
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.