BMD SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of BMD SERVICES is 5.1% (elevated). The 2025 annual accounts show negative equity (-€20,301) and a net result of -€22,301. Its solvency ranks better than 7% of 5,897 sector peers (NACE 49, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 28-03-2024 Normal situation
- Activity
- On-demand passenger transport by chauffeured vehicle NACE 49330and 9 others
- Establishment unit
- 2.357.902.130 9000 Gent, since 28-03-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 30-11-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 5.1%
- Gross margin
- €9,753
- Turnover
- ≈ €54,000
- estimated
- Loss
- €22,301
- Equity
- -€20,301
- Total assets
- €36,737
- Employees on 31-12-2025
- 1
- Negative equity on 31-12-2025
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskSector: Land transport and transport via pipelines (NACE 49)Founded in 2024Negative equity -€20,301lowers riskLiquidity: current ratio 0.15, cash €8,322Show the evidence
Checked score
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 49, micro). It does better than 5% of them on solvency, 25% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00504060.
Annual accounts 2025 filed on 31-08-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 1 |
| full-time | 1 |
| in full-time equivalents | 1 |
| Average over the year, in full-time equivalents | 0.8 |
| On a permanent contract | 1 |
| Joined | 1 |
| Left | 0 |
Source: social balance sheet in the 2025 annual accounts
Investments
| Item | 2025 |
|---|---|
| Tangible fixed assets | €40,000 |
| Depreciation and write-downs of the year | €12,011 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €17,725 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,011 |
| Other operating charges640/8 | €1,930 |
| Gross operating margin9900 | €9,753 |
| Operating profit (loss)9901 | -€21,913 |
| Financial charges65/66B | €388 |
| Recurring financial charges65 | €388 |
| Profit (loss) for the period before taxes9903 | -€22,301 |
| Profit (loss) for the period9904 | -€22,301 |
| Profit (loss) for the period to be appropriated9905 | -€22,301 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €36,737 | |
| Fixed assets21/28 | €27,989 | |
| Tangible fixed assets22/27 | €27,989 | |
| Furniture and vehicles24 | €27,989 | |
| Current assets29/58 | €8,748 | |
| Cash at bank and in hand54/58 | €8,322 | |
| Deferred charges and accrued income490/1 | €426 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €36,737 | |
| Equity10/15 | -€20,301 | |
| Contributions10/11 | €2,000 | |
| Profit (loss) carried forward14 | -€22,301 | |
| Amounts payable17/49 | €57,038 | |
| Amounts payable within one year42/48 | €57,038 | |
| Trade debts44 | €272 | |
| Suppliers440/4 | €272 | |
| Taxes, remuneration and social security45 | €3,879 | |
| Taxes450/3 | €681 | |
| Remuneration and social security454/9 | €3,199 | |
| Other amounts payable47/48 | €52,887 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€22,301 |
| + Depreciation and write-downs630 | €12,011 |
| Operating cash flow (approximation) | -€10,290 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,639 companies had the same profile as BMD SERVICES has now. Two years later, 84.8% were still going and 8.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BMD SERVICES itself: 5.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for BMD SERVICES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00504060 |
Board & ownership
Directors
Owners and capital
Shareholders
- Belgharbi,Driss founder
- Belgharbi,El Mustapha founder
Capital transactions
- 02-04-2024 Incorporation · €2,000 · 100 shares
Articles of association
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Ontbinding om welke reden en op welk ogenblik ook, algemene vergadering mag een of meerdere vereffenaars aanduiden,bevoegdheden omlijnen en…”
Articles of association, deed of 02-04-2024 (in Dutch)
Network & group
BMD SERVICES shares no director with another company.
Companies at the same address
3 other companiesConnections & network
1 current directorThe network starts from the directors of BMD SERVICES. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
02-04
Gazette deed
IncorporationStarting capital €2,000 · Appointment: Belgharbi,Mohamed (director) · Registered office clause · Founder6 points ▸
- Registered office clause, “9000 Gent,Koopvaardijlaan 12” (deed in Dutch)
- Director appointment, Belgharbi,Mohamed (director)
- Incorporation, 28-03-2024
- Founder, Belgharbi,Driss
- Founder, Belgharbi,El Mustapha
- Founding capital, €2,000
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
21 activities
- Uitbating van een taxibedrijf;
- Koerierexpress-diensten;
- Plaatsing en herstelling van verwarmingsinstallaties;;
- Internet,draadloze communicatie,telefonie;
- Handelsbemiddeling als tussenpersoon op commissie;
- Detailhandel en groothandel in onderdelen en accessoires voor motorvoertuigen,bandenservicebedrijf,vervangen en herstellen van autoruiten;
- Installatie van verwarming,klimaatregeling en ventilatiesystemen;
- Loodgieterij en sanitair;
- Tussenpersoon in de handel;
- Bouwen,verbouwen,renoveren,volledig afbreken van allerlei gebouwen,verfraaien van gebouwen en alsook het,isoleren,decoreren en inrichten;
- Uitvoeren van grond-wegen-en graafwerken,alsmede het trekken en leggen van allerhande leidingen,alsook lassen en aansluitingen ervan;
- Bestratingen en herbestratingen zoals plaatsen van dallen,kasseien,klinkers,mozaïkstenen enzoverder;
- Groot en/of kleinhandel in nieuwe en tweedehands personenwagens,vrachtwagen motorvoertuigen,vaartuigen en aanhangwagens;
- De herstelling en onderhoud van personenwagens en vrachtwagens;
- Allerlei diensten in verband met carwash;
- Verhuur van nieuwe en tweedehands motorvoertuigen,verkoop van onderdelen,oliën,
- Smeermiddelen en onderhoudsproducten;
- Werkplaats voor koetswerk,onderhoud en herstelling van motorvoertuigen;
- Aanneming van algemene elektriciteitswerken en verkoop van elektrische benodigdheden;
- Het schilderen van het binnen-en het buitenwerk van gebouwen;het schilderen van schepen en boten door niet gespecialiseerde eenheden;
- Aan–en verkoop,import en export,klein en groothandel,commissie-en consignatie van diverse goederen in het algemeen met inzonderheid van motorvoertuigen;
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1007.741.710
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44807G0906/00B002 | Flanders | 280 m² | 1 · 174 m² | 14.3 m · 3 |