BMS BELGIUM

Active

Private limited companyfounded 20197 yrs activeAuberlaan 20/22, 1070 Anderlecht, BelgiumKBO/BCE: BE 0727.522.962

The computed 12-month bankruptcy probability of BMS BELGIUM is 6.7% (elevated). The 2024 annual accounts show equity of €29k and a net result of €-15k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 44% of 6717 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

29 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-59

Solvency57▼-15

Growth68=

Track record100

Bankruptcy probability, 12 months

6.7% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity tight (current ratio 1.34 against 1.9 in 2023; short-term debt: 68.3% of total assets), and 68.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

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

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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

31.7%

Return on assets

-16.4%

Age of the figures

21 mo

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

192021222324

2019 to 2024 · latest year €-15k

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-12-2025, 148 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 6 filings

Deviation from the deadline

2025

not confirmed

2024

148 d late

2023

145 d late

2022

142 d late

2021

157 d late

2020

153 d late

2019

176 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Turnover

€247k▲ 36.9%

2021 · €181k

2020: €134k 2021: €181k

2020 → 2022

EBIT margin

6.8%▲ 3.4pp

2021 · 3.4%

2020: 12.6% 2021: 3.4%

2020 → 2022

Net result

€-15k▼ 119%

2023 · €-7k

2019: €10k 2020: €16k 2021: €2k 2022: €13k 2023: €-7k

2019 → 2024

Working capital

€22k▼ 50.9%

2023 · €44k

2019: €7k 2020: €29k 2021: €30k 2022: €43k 2023: €44k

2019 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€134k-€181k▲ 34.5%€247k▲ 36.9%

Equity€36k-€38k▲ 4.8%€51k▲ 34.0%€44k▼ 13.5%€29k▼ 34.2%

Operating result€17k-€6k▼ 64.2%€17k▲ 175%€-6k€-11k▼ 88.8%

Net result€16k-€2k▼ 89.1%€13k▲ 637%€-7k€-15k▼ 119%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €11k in 2024 against €6k 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 €92k

91.9%

Fixed assets €7k▲ 4,860%

Current assets €84k▼ 9.2%

Equity and liabilities €92k

31.7%

68.3%

Equity €29k▼ 34.2%

Debt €63k▲ 28.2%

The debt ratio rises from 52.6% to 68.3%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-9k▼

2023 · €7k

Cash flow

€-13k▼

2023 · €6k

Solvency

31.7%▼

2023 · 47.4%

Current ratio

1.34▼

2023 · 1.90

Quick ratio

1.34▼

2023 · 1.90

Debt / equity

2.16▲

2023 · 1.11

ROE

-52.0%▼

2023 · -15.6%

ROA

-16.4%▼

2023 · -7.4%

Interest coverage

-6.66▼

2023 · 5.90

Debt

€63k▲

2023 · €49k

Debt ≤ 1 year

€63k▲

2023 · €49k

Income taxes

€3k

Staff costs

€8▼

2023 · €355

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€93k€92k▼

Fixed assets21/28€150€7k▲

Tangible fixed assets22/27-€7k

Furniture and vehicles24-€7k

Financial fixed assets28€150€150=

Current assets29/58€93k€84k▼

Amounts receivable within one year40/41€67k€84k▲

Trade receivables40€49k€68k▲

Other amounts receivable41€18k€16k▼

Cash at bank and in hand54/58€25k-

Equity and liabilities

Total equity and liabilities10/49€93k€92k▼

Equity10/15€44k€29k▼

Contributions10/11€10k€10k=

Outside capital11€10k€10k=

Other1109/19€10k€10k=

Reserves13€1k€1k=

Non-distributable reserves130/1€1k€1k=

Reserves not available under the articles1311€1k€1k=

Profit (loss) carried forward14€33k€18k▼

Amounts payable17/49€49k€63k▲

Amounts payable within one year42/48€49k€63k▲

Current portion of amounts payable after more than one year42€4k€2k▼

Financial debts43-€2k

Credit institutions430/8-€2k

Trade debts44€44k€45k▲

Suppliers440/4€44k€45k▲

Taxes, remuneration and social security45-€14k

Taxes450/3-€229

Remuneration and social security454/9-€13k

Income statement Code20232024

Non-recurring operating income76A-€3k

Remuneration, social security and pensions62€355€8▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€2k▼

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-

Other operating charges640/8€1k€3k▲

Gross operating margin9900€11k€-6k▼

Operating profit (loss)9901€-6k€-11k▼

Financial charges65/66B€1k€1k▲

Recurring financial charges65€1k€1k▲

Profit (loss) for the period before taxes9903€-7k€-12k▼

Income taxes67/77-€3k

Profit (loss) for the period9904€-7k€-15k▼

Profit (loss) for the period to be appropriated9905€-7k€-15k▼

Appropriation of the result

Profit (loss) to be appropriated9906€33k€18k▼

Profit (loss) brought forward from the previous period14P€40k€33k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

2025

26-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 148 days late

2024

31-12

Financial Weakest financial yearnet €-15k

Net result drops to €-15k, the lowest in the series.

23-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 145 days late

2023

20-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 142 days late

04-01

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 157 days late

2021

31-12

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 153 days late

23-01

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 176 days late

2020

31-12

Financial Highest result since 2019net €16k ▲58%

Operating result €17k, net result €16k, both a record.

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

31-12-2025 Bouchlaghem Mohamed: Resigned as Director

27-02-2020 El Hamdi Abdelhafid: Resigned as Director

Location & real-estate footprint

Registered office, Anderlecht · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Auberlaan 20/221070 Anderlecht

Ground area

63 m²

Building footprint

50 m²