Equity
€408,766 ▲ 22.8%
BML.S has made a profit without a break since 2023.
BML.S
Lifetime
16 annual accounts with figures on one time axispeak €229,332 (2025)
€229,332▲ 65.6%
lowest -€26,694 (2022)
€75,929▲ 410%
peak €582,109 (2017)
€408,766▲ 22.8%
€537,467▼ 35.7%
Board4 names since 2022
3 directorsSalembier Benoit and 2 others
Documentsfilings and deeds
18-12-202544 days before the deadline
2025micro format
Gross margin from €138,450 to €229,332Result from €14,898 to €75,929Equity from €332,837 to €408,766Debts from €835,889 to €537,467Cash from €35,729 to €133,481
Key points
from the 2025 annual accountsResult
€75,929 ▲ 410%
The result rose in 2025: mostly from a one-off income of €106,727.
Turnover
≈ €410,000 estimated
The accounts state no turnover.
Liquidity
5.36 was 1.75 in 2024
Short-term debts rose from €25,122 to €26,180.
Filings
16 annual accounts since 2010
The 2021 accounts came 3 days late. The other nine of the last ten were filed on time.
Position in the sector
€75,929
Higher net result than 87% of companies in real estate. Sector median €5,986 · 17,185 companies.
Checked score
97
Excellent
Financially stronger than 72% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025highest value
01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €946,233
Figures for financial year 2025 (filed on 19-12-2025)
Liquidity: current ratio 5.36, cash €133,481
Equity €408,766 (43.2% of total assets)
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 68, micro). It does better than 59% of them on solvency, 78% on liquidity, 75% on profitability and 77% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as BML.S has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of BML.S itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 17,811 companies, not a prediction for BML.S. 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.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.36 (1.75 in 2024), above the usual 1.5. Short-term debt is 2.8% and cash 14.1% of total assets. However, 56.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
6 signals, none raises the risk
Six signals.
lowers riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €408,766
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 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 days early
2024
64 days early
2023
on the day
2022
11 days early
2021
3 days late
2020
13 days early
2019
43 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 25 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 20 January (4 of the last 5 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0812398853
Merger: BML.S takes over Callemeyn-Courcelles
Changes of role: Salembier Vincent, Salembier Benoit, Salembier Mathieu and Salembier Laurent · The company holds all the shares of Callemeyn-Courcelles · General meeting of 22-03-2022 · Gazette deed
Merger proposal: BML.S takes over CALLEMEYN-COURCELLES SA
Permanent representative: Benoit SALEMBIER · The company holds all the shares of CALLEMEYN-COURCELLES SA · Gazette deed
Capital decrease of €250,000 to €320,000
Capital from €570,000 to €320,000 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BML.S Kortrijk | €946,233 | €229,332 | 43.2% | - |
| BELI INVEST De Haan | €790,555 | €194,496 | 97.1% | - |
| JUCRO Ypres | €942,963 | €195,721 | 36.7% | - |
| ZARMA Kortemark | €876,200 | €153,938 | 51.2% | - |
| PATRISO Antwerp | €875,050 | €229,226 | 86.3% | - |
| ONE TWENTY ONE Waterloo | €916,144 | €183,000 | 48.6% | - |
| IMMOPOEL Eeklo | €991,829 | €290,041 | 70.9% | - |
These companies have the same main activity as BML.S: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €791,000 and €992,000, founded between 2007 and 2011.
Official details
Source: KBO- Status
- Active since 17-06-2009Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 3 others
- Establishment unit
- 2.179.260.0028500 Kortrijk, since 19-06-2009
- Financial year end
- 30 June
- Peppol
- Reachable since 12-09-2025
Annual accounts to 30-06-2025
- €946,233▼ 19.0%
- Filing
- Filed on 18-12-2025, 44 days before the end of the filing period
Insights on BML.S
BML.S files the micro format. That format states no turnover. The gross margin rose from €39,512 in 2010 to €229,332 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BML.S
- What is the company number of BML.S?
- The company number of BML.S is 0812.398.853. The VAT number is the same number with BE in front: BE 0812.398.853.
- Where is BML.S based?
- The registered office is at Stasegemsesteenweg 1L, 8500 Kortrijk.Company details
- What does BML.S do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of BML.S?
- BML.S is a private limited company (BV).
- When was BML.S founded?
- BML.S was founded on 17-06-2009.
- Is BML.S still active?
- Yes, BML.S is an active enterprise in the KBO register.
- What is the turnover of BML.S?
- The turnover in financial year 2025 is ≈ €410,000. This figure is estimated from the gross margin of €229,332 and 49 comparable companies (NACE 681). It probably lies between €310,000 and €770,000. In financial year 2022 turnover was €119,697.Financials
- Is BML.S profitable?
- In financial year 2025, BML.S made a profit of €75,929.
- Where can I find the annual accounts of BML.S?
- BML.S filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BML.S due?
- BML.S must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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