BMD ELECTRICITE
ActiveSummary
The computed 12-month bankruptcy probability of BMD ELECTRICITE is 2.6% (moderate). The 2025 annual accounts show equity of €290k and a net result of €171k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 17% of 7777 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+4
Solvency41▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity tight (current ratio 1.13 against 1.68 in 2024; short-term debt: 76.8% and cash: 1.4% of total assets), and 84.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
15.9%
Return on assets
9.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7777 sector peers (2025).
NBB · sector comparisonPosition among 7777 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
28 d early
2022
6 d early
2021
31 d late
2020
31 d late
2019
3 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€171k▲ 227%
2024 · €52k
2019: €-204
2020: €33k
2021: €50k
2022: €58k
2023: €63k
2024: €52k
2019 → 2025
Working capital
€187k▼ 33.8%
2024 · €283k
2019: €6k
2020: €31k
2021: €100k
2022: €151k
2023: €185k
2024: €283k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€123k▲ 48.8%€159k▲ 29.1%€187k▲ 17.6%€290k▲ 55.0%
Operating result€67k-€82k▲ 22.2%€102k▲ 24.6%€114k▲ 11.7%€287k▲ 153%
Net result€50k-€58k▲ 16.5%€63k▲ 7.7%€52k▼ 16.8%€171k▲ 227%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 153% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.82M
Fixed assets
€234k ▲ 81.0%
Current assets
€1.58M ▲ 127%
Equity and liabilities €1.82M
Equity
€290k ▲ 55.0%
Debt
€1.53M ▲ 138%
Debt's share of the balance-sheet total rises from 77.4% to 84.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€341k▲
2024 · €168k
Cash flow
€225k▲
2024 · €107k
Current ratio
1.13▼
2024 · 1.68
Quick ratio
0.90▼
2024 · 1.11
Debt to equity
5.27▲
2024 · 3.43
ROE
59.0%▲
2024 · 28.0%
ROA
9.4%▲
2024 · 6.3%
Interest coverage
7.65▲
2024 · 6.08
Debt ≤ 1 year
€1.40M▲
2024 · €416k
Debt > 1 year
€130k▼
2024 · €224k
Income taxes
€73k▲
2024 · €34k
Staff costs
€894k▲
2024 · €558k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€828k€1.82M▲
Fixed assets21/28€129k€234k▲
Intangible fixed assets21€713€1k▲
Tangible fixed assets22/27€123k€228k▲
Plant, machinery and equipment23€57k€181k▲
Furniture and vehicles24€67k€47k▼
Financial fixed assets28€5k€5k▼
Current assets29/58€699k€1.58M▲
Stocks and contracts in progress3€236k€322k▲
Stocks30/36€236k€322k▲
Amounts receivable within one year40/41€420k€1.18M▲
Trade receivables40€331k€1.08M▲
Other amounts receivable41€89k€103k▲
Cash at bank and in hand54/58€165€25k▲
Deferred charges and accrued income490/1€43k€52k▲
Equity and liabilities
Total equity and liabilities10/49€828k€1.82M▲
Equity10/15€187k€290k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€181k€284k▲
Amounts payable17/49€641k€1.53M▲
Amounts payable after more than one year17€224k€130k▼
Financial debts170/4€224k€130k▼
Amounts payable within one year42/48€416k€1.40M▲
Current portion of amounts payable after more than one year42€83k€482k▲
Financial debts43€7k€31k▲
Credit institutions430/8€7k€31k▲
Trade debts44€225k€704k▲
Suppliers440/4€225k€704k▲
Taxes, remuneration and social security45€101k€158k▲
Taxes450/3€28k€53k▲
Remuneration and social security454/9€73k€105k▲
Other amounts payable47/48-€21k
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€558k€894k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€54k▼
Other operating charges640/8€14k€8k▼
Gross operating margin9900€740k€1.24M▲
Operating profit (loss)9901€114k€287k▲
Financial income75/76B€165€2k▲
Recurring financial income75€165€2k▲
Financial charges65/66B€28k€45k▲
Recurring financial charges65€28k€45k▲
Profit (loss) for the period before taxes9903€86k€244k▲
Income taxes67/77€34k€73k▲
Profit (loss) for the period9904€52k€171k▲
Profit (loss) for the period to be appropriated9905€52k€171k▲
Appropriation of the result
Profit (loss) to be appropriated9906€205k€352k▲
Profit (loss) brought forward from the previous period14P€153k€181k▲
Profit to be distributed694/7€24k€68k▲
Return on contributions (dividend)694€24k€68k▲
Social balance
Average headcount (FTE)908713.419.0▲
The notes to these accounts (17 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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2019net €171k ▲227%
Operating result €287k, net result €171k, both a record.
31-12
Financial
Equity above €200kEq €290k ▲55%
6 profitable years in a row build equity to €290k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €159k ▲29.1%
4 profitable years in a row build equity to €159k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €123k ▲48.8%
3 profitable years in a row build equity to €123k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
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, Namur · 2 establishment units since 2019
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.
Rue des Morgelines(NN) 105100 NamurGround area
5,967 m²
Building footprint
1,490 m²
Volume, LiDAR
9,908 m³
2 parcels, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
BMD ELECTRICITE
since 20192.293.001.707
BMD Electricité
since 20242.353.979.667
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0011/00V000indicative | Wallonia | 4,913 m² | 1 · 1,399 m² | 7.3 m · 2 fl. |
| 92079B0170/00W000 | Wallonia | 1,054 m² | 1 · 91 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
4 categoriesBMD ELECTRICITE SRL42640
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 7,656 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
Founded04-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:elecbmd@gmail.com
E-mail:info@bmd-electricite.be
Phone:+32476178654