Equity
€2.6m ▲ 2.6%
BMP Building Services paid out €200,000 in dividends. That is 75% of the 2025 profit.
BMP Building Services
Lifetime
19 annual accounts with figures on one time axis, 37 filings since 1988Turnoverpeak €32.8m (2025)
€32.8m▲ 45.4%
Resultlowest -€351,062 (2015)
€265,085▲ €279,317
Equitypeak €2.6m (2025)
€2.6m▲ 2.6%
Debts
€10.0m▲ 21.8%
Staffpeak 40.8 FTE (2024)
39.5 FTE▼ 3.2%
Board2 names since 2021
1 directorPUT NICO
Owners2 names in the annual accounts
80%PN INVEST and 1 other
Documentsfilings and deeds
08-07-202623 days before the deadline
2025financial year
Turnover from €22.6m to €32.8mBack to profit: €265,085Appointment: Moore Audit BV (statutory auditor) 17-10Powers of attorney: Cynthia Gilissen, Rik Van Noppen and lef… 03-01Dividend €200,000Debts from €8.2m to €10.0m
Key points
from the 2025 annual accountsResult
€265,085 €265,085
Back in profit in 2025, after a loss of €14,232 in 2024.
Debts
€10.0m 79% of the balance sheet
Financial debts 37%Suppliers 43%Taxes and wages 6%Other 14%
€3.6m of the debts are secured on the company's own assets. In 2020 that was €5.7m.
Staff
42 employees on 31-12-2025
In 2025, 7 people joined and 7 left.
Payment terms
56 days to suppliers
BMP Building Services pays its suppliers 19 days earlier than in 2024. Customers pay 7 days earlier.
Filings
37 annual accounts since 1988
The last five annual accounts were filed 5 to 62 days before the end of the period.
Checked score
66
Healthy
Financially stronger than 42% of small companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 910 companies (NACE 41, small).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.0%
01-2025: 1.0%● unchanged vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 1.2%▲ +0.2 percentage points vs 06-2025highest value
08-2025: 1.1%▼ -0.1 percentage points vs 07-2025
09-2025: 1.1%● unchanged vs 08-2025
10-2025: 1.1%● unchanged vs 09-2025
11-2025: 1.1%● unchanged vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.1%● unchanged vs 12-2025
02-2026: 1.0%▼ -0.1 percentage points vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.1%▲ +0.1 percentage points vs 03-2026
05-2026: 1.1%● unchanged vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 1.1%● unchanged vs 06-2026
08-2026: 1.0%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: 1.0%● unchanged vs 08-2026lowest value
10-2026: 1.0%● unchanged vs 09-2026lowest value
11-2026: 1.0%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Equity €2.6m (20.8% of total assets)
Liquidity: current ratio 1.18, cash €661,345
Size: turnover €32.8m, 39.5 FTE, total assets €12.6m
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 41, small). It does better than 34% of them on solvency, 16% on liquidity, 48% on profitability and 70% on growth.
The bankruptcy probability was computed on 05-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 4,685 companies had the same profile as BMP Building Services has now. Each dot stands for 12 companies, two years later.
96.9%
were still trading
1.9%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of BMP Building Services itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,446 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 4,685 companies, not a prediction for BMP Building Services. 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 €170,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.18 (1.21 in 2024), below the usual 1.5. Short-term debt is 74.1% and cash 5.3% of total assets. 79.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 days early
2024
31 days early
2023
57 days early
2022
62 days early
2021
5 days early
2020
5 days early
2019
1 day 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 26 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
PN
PUT NICO
Director, since 26-05-2021
- PN INVEST 80%score 80equity €1.6m (2025) · 2025 annual accounts of PN INVEST
- PUT NICO 19%score 84equity €1.1m (2025) · 2025 annual accounts of PUT NICO
Shares in 1 company, ATP-betonvloeren
Board & ownershipRecent changes
Appointment: Moore Audit BV (statutory auditor)
General meeting of 25-05-2024 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0431781345
Purpose change
“Winning van bouw- en siersteen; Winning, het ruw houwen en zagen van steensoorten voor de steenhouwerij of…” (deed in Dutch) · Board meeting of 24-02-2023 · Gazette deed
Change of role: PUT NICO, from manager to director
Permanent representative: Put Nico · Director discharge: PUT NICO · General meeting of 26-05-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Turnover | EBIT margin | Solvency | Staff |
|---|---|---|---|---|
| BMP Building Services Tessenderlo-Ham | €32.8m | 2.3% | 20.8% | 39.5 |
| BOUWONDERNEMING ERIBO Waregem | €33.6m | 9.1% | 57.6% | 41.9 |
| BOUWONDERNEMING LAMERS Hamont-Achel | €27.7m | 4.6% | 49.6% | 48.3 |
| Bouwbedrijf Vandersmissen Herk-de-Stad | €31.3m | 0.0% | 16.0% | 60 |
| GEMOCO Bilzen-Hoeselt | €24.0m | 2.2% | 25.4% | 60.2 |
| Schoofs Tongeren-Borgloon | €33.5m | 11.4% | 28.9% | 45.1 |
| BOUWWERKEN GEBROEDERS JANSSEN Oudsbergen | €21.8m | 0.0% | 35.0% | 42.3 |
Grey: the largest companies of the sector (construction of buildings (NACE 41)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as BMP Building Services: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €9.6m and €16m, founded between 1971 and 1990.
Official details
Source: KBO- Status
- Active since 21-08-1987Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Joint committees
- 124Construction
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.029.873.7653980 Tessenderlo-Ham, since 31-08-1987
- Financial year end
- 31 December
- Peppol
- Reachable since 14-02-2025
Annual accounts 2025
- Total assets
- €12.6m▲ 17.2%
- Employeeson 31-12-2025
- 42=
- Filing
- Filed on 08-07-2026, 23 days before the end of the filing period
Insights on BMP Building Services
BMP Building Services has existed since 1987. Turnover grew from €10.4m in 2009 to €32.8m in 2025 and staff from 23.1 to 39.5 full-time equivalents.
PN INVEST holds 80% of the shares.
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 BMP Building Services
- What is the company number of BMP Building Services?
- The company number of BMP Building Services is 0431.781.345. The VAT number is the same number with BE in front: BE 0431.781.345.
- Where is BMP Building Services based?
- The registered office is at Aubruggestraat 23, 3980 Tessenderlo-Ham.Company details
- What does BMP Building Services do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of BMP Building Services?
- BMP Building Services is a private limited company (BV).
- When was BMP Building Services founded?
- BMP Building Services was founded on 21-08-1987.
- Is BMP Building Services still active?
- Yes, BMP Building Services is an active enterprise in the KBO register.
- How many employees does BMP Building Services have?
- BMP Building Services had an average of 39.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does BMP Building Services fall under?
- In its 2025 annual accounts, BMP Building Services states joint committees 124 (Construction) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of BMP Building Services?
- The turnover of BMP Building Services was €32.8m in financial year 2025, according to the filed annual accounts.
- Is BMP Building Services profitable?
- In financial year 2025, BMP Building Services made a profit of €265,085.
- Where can I find the annual accounts of BMP Building Services?
- BMP Building Services filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BMP Building Services due?
- BMP Building Services must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check
See how customers, suppliers and banks see your own company and what to improve first.