BMF Consult
ActiveBMF Consult has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €-11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency84▼-16
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 2.13 in 2024), and 48.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2025Solvency, return and age of the figures
Solvency
51.7%
Return on assets
-18.7%
Age of the figures
14 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
23 d early
2023
16 d early
2022
9 d early
2021
6 d early
2020
31 d early
2019
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 26.6%
2024 · €42k
2019: €12k
2020: €3k
2021: €-899
2022: €2k
2023: €4k
2024: €42k
2019 → 2025
Total assets
€60k▼ 5.6%
2024 · €63k
2019: €85k
2020: €82k
2021: €63k
2022: €72k
2023: €84k
2024: €63k
2019 → 2025
Net result
€-11k
2024 · €38k
2019: €-18k
2020: €-8k
2021: €-4k
2022: €2k
2023: €3k
2024: €38k
2019 → 2025
Working capital
€14k▼ 43.3%
2024 · €24k
2019: €-24k
2020: €-31k
2021: €-17k
2022: €-25k
2023: €-12k
2024: €24k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-899-€2k€4k▲ 179%€42k▲ 872%€31k▼ 26.6%
Operating result€-4k-€3k€3k▲ 12.7%€-17k€-11k▲ 35.6%
Net result€-4k-€2k€3k▲ 13.3%€38k▲ 1,260%€-11k
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 €11k in 2025 against €17k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€17k▼ 4.7%
Current assets
€42k▼ 5.9%
Equity and liabilities €60k
Equity
€31k▼ 26.6%
Debt
€29k▲ 36.2%
The debt ratio rises from 33.5% to 48.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-10k▲
2024 · €-16k
Cash flow
€-10k▼
2024 · €39k
Solvency
51.7%▼
2024 · 66.5%
Current ratio
1.47▼
2024 · 2.13
Quick ratio
1.47▼
2024 · 2.13
Debt / equity
0.93▲
2024 · 0.50
ROE
-36.2%▼
2024 · 89.7%
ROA
-18.7%▼
2024 · 59.7%
Interest coverage
-247.26▼
2024 · -234.06
Debt
€29k▲
2024 · €21k
Debt ≤ 1 year
€29k▲
2024 · €21k
Income taxes
€142▲
2024 · €134
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€63k€60k▼
Fixed assets21/28€18k€17k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€3k-
Financial fixed assets28€16k€16k=
Current assets29/58€45k€42k▼
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€3k€4k▲
Other amounts receivable41€123-
Cash at bank and in hand54/58€41k€38k▼
Deferred charges and accrued income490/1€701€731▲
Equity and liabilities
Total equity and liabilities10/49€63k€60k▼
Equity10/15€42k€31k▼
Contributions10/11€20k€20k=
Capital10€20k-
Issued capital100€20k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€20k€9k▼
Amounts payable17/49€21k€29k▲
Amounts payable within one year42/48€21k€29k▲
Financial debts43-€286
Credit institutions430/8-€286
Trade debts44€259€94▼
Suppliers440/4€259€94▼
Taxes, remuneration and social security45€134€522▲
Taxes450/3€134€522▲
Other amounts payable47/48€21k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€834€851▲
Other operating charges640/8€724€392▼
Gross operating margin9900€-16k€-10k▲
Operating profit (loss)9901€-17k€-11k▲
Financial income75/76B€55k-
Recurring financial income75€2-
Non-recurring financial income76B€55k-
Financial charges65/66B€69€41▼
Recurring financial charges65€69€41▼
Profit (loss) for the period before taxes9903€38k€-11k▼
Income taxes67/77€134€142▲
Profit (loss) for the period9904€38k€-11k▼
Profit (loss) for the period to be appropriated9905€38k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€9k▼
Profit (loss) brought forward from the previous period14P€-18k€20k▲
The notes to these accounts (5 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
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €38k ▲1260%
Net result €38k, the highest in the series.
30-06
Financial
Liquidity triplescurrent ratio 2.13
Current ratio from 0.85 to 2.13; short-term debt falls from €79k to €21k.
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Nandrin · 1 establishment unit since 2012
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.
Bois de la Croix Claire 1074550 NandrinGround area
1,936 m²
Building footprint
154 m²
Volume, LiDAR
752 m³
Parcel 61043B0042/00D002, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bois de la Croix Claire 107, 4550 Nandrin
since 20122.211.858.435
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61043B0042/00D002 | Wallonia | 1,936 m² | 1 · 154 m² | 6.8 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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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 34,490 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-08-2012
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.