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BMJL

Active
Private limited companyfounded 20233 yrs activede Kerchove d'Exaerdestraat(Oct) 128, 1501 Halle, BelgiumKBO/BCE: BE 0803.455.948
Summary

BMJL has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €5,363 and a net result of €405. The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability39▼-37
Solvency33▼-7
Growth52
Track record94
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.76 against 0.65 in 2023; short-term debt: 76.8% and cash: 2.7% of total assets), and 91.9% of the assets are financed with debt.
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Signals

Four 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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 2024
Solvency, return and age of the figures
Solvency
8.1%
Return on assets
0.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
38 d early
2024
87 d late
2023
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.

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. Usually files around 31 August (3 of the last 3 filed years within 69 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 2 July 2023, BMJL was incorporated as a Private limited company.1 The company has filed 3 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2024, micro schema

Turnover
€29,015
EBIT margin
1.4%
Net result
€405▼ 79.3%
2023 · €1,958
Working capital
-€12,045▼ 100%
2023 · -€6,020
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Turnover€29,015
Operating result€2,224-€405▼ 81.8%
Net result€1,958within the sector's middle half-€405below the sector's middle half▼ 79.3%
EBIT margin1.4%
Equity€4,958below the sector's middle half-€5,363below the sector's middle half▲ 8.2%
Total assets€32,133below the sector's middle half-€66,096within the sector's middle half▲ 106%
Debt€27,175-€60,733▲ 123%
Working capital-€6,020below the sector's middle half--€12,045below the sector's middle half▼ 100%
Solvency15.4%below the sector's middle half-8.1%below the sector's middle half▼ 7.3pp
Current ratio0.65below the sector's middle half-0.76below the sector's middle half▲ 0.11
Return on assets (ROA)6.1%within the sector's middle half-0.6%below the sector's middle half▼ 5.5pp
above within below the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€1,000€2,000Operating result 2023: €2,224€2,224Net result 2023: €1,958€1,958Operating result 2024: €405€405Net result 2024: €405€40520232024€0€1,000€2,000Operating result 2023: €2,224€2,220Net result 2023: €1,958€1,960Operating result 2024: €405€405Net result 2024: €405€40520232024
The operating result falls in 2024; 2024 is 82% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €65,532
Fixed assets €26,798 ▲ 28.0%
Current assets €38,734 ▲ 246%
Equity and liabilities €66,096
Equity €5,363 ▲ 8.2%
Debt €60,733 ▲ 123%
Debt's share of the balance-sheet total rises from 84.6% to 91.9%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
Debt to equity
11.32▲
2023 · 5.48
ROE
7.6%▼
2023 · 39.5%
Debt ≤ 1 year
€50,779▲
2023 · €17,221
Debt > 1 year
€9,954=
2023 · €9,954
Staff costs
€18,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,135 companies that looked in July 2024 the way this one looks now, 5.2% went bankrupt within 24 months and 92% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
5.2% went bankrupt
2.3% stopped otherwise
92% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,135 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet Code20232024
Assets
Total assets20/58€32,133€66,096▲
Formation expenses20-€564
Fixed assets21/28€20,932€26,798▲
Intangible fixed assets21€564-
Tangible fixed assets22/27€20,367€26,798▲
Furniture and vehicles24€20,367€26,798▲
Current assets29/58€11,201€38,734▲
Amounts receivable within one year40/41€9,410€36,942▲
Trade receivables40€9,410€35,620▲
Other amounts receivable41-€1,322
Cash at bank and in hand54/58€1,791€1,791=
Equity and liabilities
Total equity and liabilities10/49€32,133€66,096▲
Equity10/15€4,958€5,363▲
Contributions10/11€3,000€4,958▲
Capital10€3,000€3,000=
Issued capital100€3,000€3,000=
Outside capital11-€1,958
Other1109/19-€1,958
Profit (loss) carried forward14€1,958€405▼
Amounts payable17/49€27,175€60,733▲
Amounts payable after more than one year17€9,954€9,954=
Financial debts170/4€9,954€9,954=
Amounts payable within one year42/48€17,221€50,779▲
Current portion of amounts payable after more than one year42€4,658€4,658=
Trade debts44€5,782€16,906▲
Suppliers440/4€5,782€16,906▲
Taxes, remuneration and social security45€2,648€26,616▲
Taxes450/3€2,648€5,216▲
Remuneration and social security454/9-€21,400
Other amounts payable47/48€4,133€2,600▼
Income statement Code20232024
Turnover70-€29,015
Goods, raw materials, services and sundry goods60/61-€10,610
Remuneration, social security and pensions62-€18,000
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,197-
Gross operating margin9900€3,421€18,405▲
Operating profit (loss)9901€2,224€405▼
Financial charges65/66B€266-
Recurring financial charges65€266-
Profit (loss) for the period before taxes9903€1,958€405▼
Profit (loss) for the period9904€1,958€405▼
Profit (loss) for the period to be appropriated9905€1,958€405▼
Appropriation of the result
Profit (loss) to be appropriated9906€1,958€405▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Turnover70-€29,015-
Goods, raw materials, services and sundry goods60/61-€10,610-
Remuneration, social security and pensions62-€18,000-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,197--
Gross operating margin9900€3,421€18,405▲ 438%
Operating profit (loss)9901€2,224€405▼ 81.8%
Financial charges65/66B€266--
Recurring financial charges65€266--
Profit (loss) for the period before taxes9903€1,958€405▼ 79.3%
Profit (loss) for the period9904€1,958€405▼ 79.3%
Profit (loss) for the period to be appropriated9905€1,958€405▼ 79.3%
Line20232024Change
Assets
Total assets20/58€32,133€66,096▲ 106%
Formation expenses20-€564-
Fixed assets21/28€20,932€26,798▲ 28.0%
Intangible fixed assets21€564--
Tangible fixed assets22/27€20,367€26,798▲ 31.6%
Furniture and vehicles24€20,367€26,798▲ 31.6%
Current assets29/58€11,201€38,734▲ 246%
Amounts receivable within one year40/41€9,410€36,942▲ 293%
Trade receivables40€9,410€35,620▲ 279%
Other amounts receivable41-€1,322-
Cash at bank and in hand54/58€1,791€1,791=
Equity and liabilities
Total equity and liabilities10/49€32,133€66,096▲ 106%
Equity10/15€4,958€5,363▲ 8.2%
Contributions10/11€3,000€4,958▲ 65.3%
Capital10€3,000€3,000=
Issued capital100€3,000€3,000=
Outside capital11-€1,958-
Other1109/19-€1,958-
Profit (loss) carried forward14€1,958€405▼ 79.3%
Amounts payable17/49€27,175€60,733▲ 123%
Amounts payable after more than one year17€9,954€9,954=
Financial debts170/4€9,954€9,954=
Amounts payable within one year42/48€17,221€50,779▲ 195%
Current portion of amounts payable after more than one year42€4,658€4,658=
Trade debts44€5,782€16,906▲ 192%
Suppliers440/4€5,782€16,906▲ 192%
Taxes, remuneration and social security45€2,648€26,616▲ 905%
Taxes450/3€2,648€5,216▲ 97.0%
Remuneration and social security454/9-€21,400-
Other amounts payable47/48€4,133€2,600▼ 37.1%
Line20232024Change
Profit (loss) for the period9904€1,958€405▼ 79.3%
+ Depreciation and write-downs630€1,197--
Operating cash flow (approximation)€3,155€405▼ 87.2%
Investment in fixed assets (approximation)--€5,866-
Change in cash-€0-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
23-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
26-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 87 days late
2024
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Halle · 1 establishment unit since 2023
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.

de Kerchove d'Exaerdestraat(Oct) 1281501 Halle
1 establishment unit
BMJL
de Kerchove d'Exaerdestraat(Oct) 128, 1501 HalleGeneral construction of buildings
since 20232.346.704.172

Similar companies · same sector, comparable size

Of 11,573 companies in sector 71121 we hold annual accounts for 6,570. 1,975 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded02-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
E-invoicing
Reachable via Peppol
Peppol ID 0208:0803455948
Also 9925:BE0803455948
Registered 30-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.