BMO Consulting
ActiveBMO Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €19k and a net result of €-2k. Equity is shrinking by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 28% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability18▼-13
Solvency57▼-21
Growth32=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.86 in 2023; short-term debt: 66.3% and cash: 5.7% of total assets), and 68.3% 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
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
31.7%
Return on assets
-3.6%
Age of the figures
21 mo
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 30-06-2025, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
6 d late
2022
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€19k▼ 10.3%
2023 · €21k
2022: €24k
2023: €21k
2022 → 2024
Total assets
€61k▲ 50.3%
2023 · €40k
2022: €43k
2023: €40k
2022 → 2024
Net result
€-2k▲ 19.5%
2023 · €-3k
2022: €22k
2023: €-3k
2022 → 2024
Working capital
€17k▲ 5.7%
2023 · €16k
2022: €21k
2023: €16k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€24k-€21k▼ 11.4%€19k▼ 10.3%
Operating result€27k-€-1k€-2k▼ 108%
Net result€22k-€-3k€-2k▲ 19.5%
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 €2k in 2024 against €1k 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 €61k
Fixed assets
€4k▼ 39.8%
Current assets
€57k▲ 66.6%
Equity and liabilities €61k
Equity
€19k▼ 10.3%
Debt
€41k▲ 119%
The debt ratio rises from 46.9% to 68.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€339▼
2023 · €1k
Cash flow
€253▲
2023 · €-649
Solvency
31.7%▼
2023 · 53.1%
Current ratio
1.42▼
2023 · 1.86
Quick ratio
1.42▼
2023 · 1.86
Debt / equity
2.16▲
2023 · 0.88
ROE
-11.5%▲
2023 · -12.8%
ROA
-3.6%▲
2023 · -6.8%
Interest coverage
0.47▼
2023 · 2.49
Debt
€41k▲
2023 · €19k
Debt ≤ 1 year
€40k▲
2023 · €18k
Income taxes
€2k▼
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€40k€61k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€34k€57k▲
Amounts receivable within one year40/41€14k€49k▲
Trade receivables40€218€0▼
Other amounts receivable41€14k€49k▲
Cash at bank and in hand54/58€17k€3k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€40k€61k▲
Equity10/15€21k€19k▼
Contributions10/11€3k€3k=
Reserves13€19k€17k▼
Distributable reserves133€19k€17k▼
Amounts payable17/49€19k€41k▲
Amounts payable within one year42/48€18k€40k▲
Trade debts44€1k€27k▲
Suppliers440/4€1k€27k▲
Taxes, remuneration and social security45€17k€13k▼
Taxes450/3€17k€13k▼
Accrued charges and deferred income492/3€565€1k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€500▼
Gross operating margin9900€3k€839▼
Operating profit (loss)9901€-1k€-2k▼
Financial income75/76B€780€2k▲
Recurring financial income75€780€2k▲
Financial charges65/66B€431€722▲
Recurring financial charges65€431€722▲
Profit (loss) for the period before taxes9903€-672€-686▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-2k▲
Transfer from equity791/2€3k€2k▼
Transfer to equity691/2€0-
To other reserves6921€0-
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Weakest financial yearnet €-3k ▼113%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wervik · 1 establishment unit since 2021
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.
Nieuwstraat 608940 WervikGround area
364 m²
Building footprint
98 m²
Volume, LiDAR
660 m³
Parcel 33029C0503/00L000, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BMO Consulting
since 20212.346.761.976
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029C0503/00L000 | Flanders | 364 m² | 1 · 98 m² | 11.4 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 396 EUR awarded · 396 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 396 EUR | 396 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,694 companies in sector 70100 we hold annual accounts for 3,489. 1,555 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2021
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.