Summary
BME ESTATE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €29k and a net result of €5k. Equity is growing by ~48.9% per year across the filed fiscal years. Its solvency ranks better than 7% of 5527 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
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-03-2026, 42 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
42 d early
2024
36 d early
2023
5 d early
2022
33 d early
2021
36 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€29k▲ 21.9%
2024 · €24k
2022: €116
2023: €15k
2024: €24k
2022 → 2025
Net result
€5k▼ 43.2%
2024 · €9k
2022: €17k
2023: €14k
2024: €9k
2022 → 2025
Total assets
€1.22M▼ 6.6%
2024 · €1.31M
2022: €1.45M
2023: €1.36M
2024: €1.31M
2022 → 2025
Solvency
2.4%▲ 0.6pp
2024 · 1.8%
2022: 0.0%
2023: 1.1%
2024: 1.8%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€116-€15k▲ 12,436%€24k▲ 62.5%€29k▲ 21.9%
Operating result€40k-€39k▼ 1.5%€39k▼ 0.8%€39k▲ 0.8%
Net result€17k-€14k▼ 14.3%€9k▼ 37.0%€5k▼ 43.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€1.21M ▼ 5.9%
Current assets
€10k ▼ 50.5%
Equity and liabilities €1.22M
Equity
€29k ▲ 21.9%
Debt
€1.19M ▼ 7.1%
Debt's share of the balance-sheet total falls from 98.2% to 97.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.9%▼
2024 · 38.5%
ROA
0.4%▼
2024 · 0.7%
Debt ≤ 1 year
€251k▼
2024 · €257k
Debt > 1 year
€915k▼
2024 · €1.01M
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.31M€1.22M▼
Fixed assets21/28€1.29M€1.21M▼
Tangible fixed assets22/27€1.28M€1.20M▼
Land and buildings22€1.28M€1.20M▼
Plant, machinery and equipment23€849€273▼
Financial fixed assets28€6k€6k=
Current assets29/58€21k€10k▼
Amounts receivable within one year40/41€10k€2k▼
Trade receivables40€10k€2k▼
Other amounts receivable41€228€95▼
Cash at bank and in hand54/58€8k€6k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.22M▼
Equity10/15€24k€29k▲
Contributions10/11€18k€18k=
Reserves13€49k€49k=
Distributable reserves133€49k€49k=
Profit (loss) carried forward14€-43k€-38k▲
Amounts payable17/49€1.28M€1.19M▼
Amounts payable after more than one year17€1.01M€915k▼
Financial debts170/4€1.00M€909k▼
Other amounts payable178/9€6k€6k=
Amounts payable within one year42/48€257k€251k▼
Current portion of amounts payable after more than one year42€95k€93k▼
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45-€91
Taxes450/3-€91
Other amounts payable47/48€152k€152k▲
Accrued charges and deferred income492/3€17k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€75k▼
Other operating charges640/8€12k€10k▼
Gross operating margin9900€126k€125k▼
Operating profit (loss)9901€39k€39k▲
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€30k€34k▲
Recurring financial charges65€30k€34k▲
Profit (loss) for the period before taxes9903€9k€5k▼
Profit (loss) for the period9904€9k€5k▼
Profit (loss) for the period to be appropriated9905€9k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-38k▲
Profit (loss) brought forward from the previous period14P€-52k€-43k▲
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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €5k ▼43.2%
Net result drops to €5k, the lowest in the series.
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Kapellen · 1 establishment unit since 2019
Ground area
4,342 m²
Building footprint
1,449 m²
Volume, LiDAR
8,367 m³
Parcel 11362H0597/00L002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BME ESTATE
since 20192.296.928.128
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362H0597/00L002 | Flanders | 4,342 m² | 1 · 1,449 m² | 8.9 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.
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THE 8
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 8,678 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
Founded19-11-2019
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.