BMR GESTION
ActiveSummary
BMR GESTION has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €276k and a net result of €15k. Equity is growing by ~36.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-3
Solvency43▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.77 against 1.1 in 2024; short-term debt: 37.8% and cash: 6.6% of total assets), and 82.2% 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.8%
Return on assets
1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
28 d late
2022
30 d late
2021
47 d late
2020
60 d late
2019
91 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€276k▲ 5.8%
2024 · €261k
2018: €39k
2019: €44k
2020: €90k
2021: €110k
2022: €185k
2023: €245k
2024: €261k
2018 → 2025
Total assets
€1.55M▼ 0.3%
2024 · €1.55M
2018: €920k
2019: €1.02M
2020: €977k
2021: €895k
2022: €1.10M
2023: €1.22M
2024: €1.55M
2018 → 2025
Net result
€15k▼ 1.3%
2024 · €15k
2018: €-56k
2019: €5k
2020: €46k
2021: €20k
2022: €75k
2023: €60k
2024: €15k
2018 → 2025
Working capital
€-136k
2024 · €54k
2018: €-41k
2019: €-48k
2020: €-27k
2021: €-2k
2022: €-84k
2023: €-90k
2024: €54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€185k▲ 67.9%€245k▲ 32.4%€261k▲ 6.3%€276k▲ 5.8%
Operating result€42k-€121k▲ 186%€69k▼ 42.4%€39k▼ 43.9%€42k▲ 6.8%
Net result€20k-€75k▲ 270%€60k▼ 19.8%€15k▼ 74.4%€15k▼ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.55M
Fixed assets
€1.10M ▲ 12.0%
Current assets
€448k ▼ 21.5%
Equity and liabilities €1.55M
Equity
€276k ▲ 5.8%
Debt
€1.27M ▼ 1.5%
Debt's share of the balance-sheet total falls from 83.2% to 82.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€135k▲
2024 · €119k
Cash flow
€109k▲
2024 · €95k
Current ratio
0.77▼
2024 · 1.10
Debt to equity
4.61▼
2024 · 4.96
ROE
5.5%▼
2024 · 5.9%
ROA
1.0%▼
2024 · 1.0%
Interest coverage
5.64▼
2024 · 6.11
Debt ≤ 1 year
€584k▲
2024 · €517k
Debt > 1 year
€687k▼
2024 · €774k
Income taxes
€2k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.55M€1.55M▼
Fixed assets21/28€982k€1.10M▲
Tangible fixed assets22/27€982k€1.10M▲
Land and buildings22€805k€944k▲
Plant, machinery and equipment23€6k€20k▲
Furniture and vehicles24€172k€135k▼
Financial fixed assets28€90€90=
Current assets29/58€570k€448k▼
Amounts receivable within one year40/41€555k€337k▼
Trade receivables40€297k€316k▲
Other amounts receivable41€258k€21k▼
Cash at bank and in hand54/58€12k€103k▲
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.55M€1.55M▼
Equity10/15€261k€276k▲
Contributions10/11€7k€7k=
Reserves13€254k€269k▲
Distributable reserves133€254k€269k▲
Amounts payable17/49€1.29M€1.27M▼
Amounts payable after more than one year17€774k€687k▼
Financial debts170/4€774k€687k▼
Amounts payable within one year42/48€517k€584k▲
Current portion of amounts payable after more than one year42€86k€89k▲
Trade debts44€66k€64k▼
Suppliers440/4€66k€64k▼
Taxes, remuneration and social security45€16k€6k▼
Taxes450/3€12k€6k▼
Remuneration and social security454/9€5k-
Other amounts payable47/48€348k€425k▲
Accrued charges and deferred income492/3€798€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€80k€93k▲
Other operating charges640/8€14k€9k▼
Gross operating margin9900€133k€144k▲
Operating profit (loss)9901€39k€42k▲
Financial charges65/66B€19k€24k▲
Recurring financial charges65€19k€24k▲
Profit (loss) for the period before taxes9903€19k€18k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€15k€15k▼
Profit (loss) for the period to be appropriated9905€15k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€15k▼
Transfer to equity691/2€15k€15k▼
To other reserves6921€15k€15k▼
The notes to these accounts (7 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
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €200kEq €245k ▲32.4%
5 profitable years in a row build equity to €245k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €75k ▲270%
Operating result €121k, net result €75k, both a record.
31-12
Financial
Equity above €150kEq €185k ▲67.9%
4 profitable years in a row build equity to €185k.
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 47 days late
2021
31-12
Financial
Equity above €100kEq €110k ▲22.5%
3 profitable years in a row build equity to €110k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
Show earlier events
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 141 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
13-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 105 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, Courcelles · 1 establishment unit since 2015
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.
Rue de Hubes(CO) 126180 CourcellesGround area
774 m²
Building footprint
211 m²
Volume, LiDAR
2,241 m³
Parcel 52015C1432/00E000, Wallonia · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BMR GESTION
since 20152.247.129.714
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52015C1432/00E000 | Wallonia | 774 m² | 1 · 211 m² | 12.9 m · 4 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.
Similar companies · same sector, comparable size
CERTIFIN III
BE 0690.789.854
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R.B. MANAGEMENT en CONSULTANCY
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ALITUM
BE 0871.195.404
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EUROPEAN LEGAL COUNSEL
BE 0888.875.633
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,555 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.