BME Invest
ActiveSummary
BME Invest has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €190k and a net result of €-8k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 66% of 2437 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability66=
Solvency88▲+8
Growth35=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.95 against 2.54 in 2023; short-term debt: 23.1% and cash: 0.6% of total assets), and 37.5% 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 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
62.5%
Return on assets
-2.6%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-8k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€82k▼ 5.5%
2019 · €87k
2018: €126k
2019: €87k
2018 → 2020
EBIT margin
9.8%▼ 5.4pp
2019 · 15.2%
2018: -0.3%
2019: 15.2%
2018 → 2020
Net result
€-8k▲ 5.0%
2023 · €-8k
2018: €1k
2019: €11k
2020: €7k
2021: €67k
2022: €12k
2023: €-8k
2018 → 2024
Working capital
€137k▼ 0.9%
2023 · €138k
2018: €46k
2019: €71k
2020: €62k
2021: €142k
2022: €135k
2023: €138k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€82k-
Equity€127k-€194k▲ 52.9%€206k▲ 6.0%€198k▼ 4.0%€190k▼ 4.0%
Operating result€8k-€94k▲ 1,070%€12k▼ 87.3%€-16k€-16k▼ 1.4%
Net result€7k-€67k▲ 888%€12k▼ 82.8%€-8k€-8k▲ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2024 against €16k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €304k
Fixed assets
€96k ▼ 26.8%
Current assets
€207k ▼ 9.1%
Equity and liabilities €304k
Equity
€190k ▼ 4.0%
Provisions
€12k ▼ 25.0%
Debt
€101k ▼ 30.3%
Debt's share of the balance-sheet total falls from 40.4% to 33.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€28k▼
2023 · €31k
Cash flow
€37k▼
2023 · €38k
Current ratio
2.95▲
2023 · 2.54
Debt to equity
0.53▼
2023 · 0.73
ROE
-4.2%▲
2023 · -4.2%
ROA
-2.6%▼
2023 · -2.3%
Interest coverage
23.78▲
2023 · 18.98
Debt ≤ 1 year
€70k▼
2023 · €90k
Debt > 1 year
€31k▼
2023 · €55k
Income taxes
€913▲
2023 · €851
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 · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€360k€304k▼
Fixed assets21/28€131k€96k▼
Tangible fixed assets22/27€131k€96k▼
Plant, machinery and equipment23€57k€41k▼
Furniture and vehicles24€74k€55k▼
Financial fixed assets28€405€540▲
Current assets29/58€228k€207k▼
Amounts receivable within one year40/41€220k€200k▼
Trade receivables40€31k€26k▼
Other amounts receivable41€189k€173k▼
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€360k€304k▼
Equity10/15€198k€190k▼
Contributions10/11€50k€50k=
Reserves13€30k€24k▼
Non-distributable reserves130/1€5k-
Reserves not available under the articles1311€5k-
Tax-exempt reserves132€25k€19k▼
Distributable reserves133-€5k
Profit (loss) carried forward14€118k€116k▼
Provisions and deferred taxes16€17k€12k▼
Deferred taxes168€17k€12k▼
Amounts payable17/49€145k€101k▼
Amounts payable after more than one year17€55k€31k▼
Financial debts170/4€55k€31k▼
Amounts payable within one year42/48€90k€70k▼
Current portion of amounts payable after more than one year42€24k€24k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€26k€14k▼
Taxes450/3€10k€3k▼
Remuneration and social security454/9€16k€11k▼
Other amounts payable47/48€33k€27k▼
Income statement
Code20232024
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€45k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€34k€32k▼
Operating profit (loss)9901€-16k€-16k▼
Financial income75/76B€6k€6k▲
Recurring financial income75€6k€6k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-12k€-11k▲
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€851€913▲
Profit (loss) for the period9904€-8k€-8k▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€-2k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€118k€116k▼
Profit (loss) brought forward from the previous period14P€120k€118k▼
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
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-8k ▼172%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €206k ▲6%
5 profitable years in a row build equity to €206k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €67k ▲888%
Operating result €94k, net result €67k, both a record.
31-12
Financial
Equity above €150kEq €194k ▲52.9%
4 profitable years in a row build equity to €194k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Torhout · 1 establishment unit since 2007
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.
Wijnendalestraat 768820 TorhoutGround area
388 m²
Building footprint
137 m²
Volume, LiDAR
632 m³
Parcel 31524B2257/00E002, Flanders · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BME Invest
since 20072.161.064.483
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31524B2257/00E002 | Flanders | 388 m² | 1 · 137 m² | 5.9 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.
Similar companies · same sector, comparable size
EUROWORX PORTS TERMINAL DEPOT SERVICES
BE 0711.743.933
Antwerpen · Eq €190,143
WINDELS GUIDO METAALCONSTRUCTIE
BE 0474.069.088
Vleteren · Eq €189,181
Van Looveren Geert
BE 0756.662.950
Brecht · Eq €190,687
KIELE
BE 0831.607.526
Ranst · Eq €188,983
MKM WORKS
BE 0893.518.369
Kinrooi · Eq €188,859
Of 3,464 companies in sector 25530 we hold annual accounts for 1,658. 1,336 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
Founded19-03-2007
Fiscal year end31-12
Activities, NACEBEL 2025
25530Machining of metals
41001General construction of residential buildings
43110Demolition
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
68110Buying and selling of own real estate
70200Business and other management consultancy
74140Other specialised design activities
82990Other business support services
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.