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BMS - CONSULTING

Active
Private limited company (pre-2019)founded 200817 yrs activeRue de Charleroi 39, 1400 Nivelles, BelgiumKBO/BCE: BE 0808.539.540
Summary

The computed 12-month bankruptcy probability of BMS - CONSULTING is 2.7% (moderate). The 2025 annual accounts show negative equity (-€32,649) and a net result of -€3,227. Equity is shrinking by ~21.5% per year across the filed fiscal years. The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025
Age of the figures
Age of the figures
9 mo
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 17 years 0 20 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€32,649
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filings
Deviation from the deadline
2025
31 d late
2024
22 d late
2023
20 d late
2022
29 d late
2021
206 d late
2020
89 d late
2019
54 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 64 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 29 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

On 16 December 2008, BMS - CONSULTING was incorporated.1 Total assets went from EUR 12,132 in 2018 to EUR 1,027 in 2022.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2022

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Financials · fiscal year 2025, micro schema

Equity
-€32,649▼ 11.0%
2024 · -€29,422
Total assets
€404▼ 49.8%
2024 · €806
Net result
-€3,227▲ 5.5%
2024 · -€3,417
Working capital
€403▲ 52.7%
2024 · €264
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€4,822▲ 39.0%€805-€6,118-€3,280▲ 46.4%-€3,032▲ 7.6%
Net result-€5,086▲ 35.3%€805-€6,265-€3,417▲ 45.5%-€3,227▲ 5.5%
Equity-€20,545▼ 32.9%-€19,740▲ 3.9%-€26,006▼ 31.7%-€29,422▼ 13.1%-€32,649▼ 11.0%
Total assets€171▼ 93.7%€1,027▲ 501%€498▼ 51.4%€806▲ 61.7%€404▼ 49.8%
Debt€20,716▲ 14.0%€20,767▲ 0.2%€26,504▲ 27.6%€30,228▲ 14.1%€33,054▲ 9.3%
Working capital-€5,423▲ 65.2%€292€264▼ 9.5%€403▲ 52.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€8,000-€6,000-€4,000-€2,000€0Operating result 2021: -€4,822-€4,822Net result 2021: -€5,086-€5,086Operating result 2022: €805€805Net result 2022: €805€805Operating result 2023: -€6,118-€6,118Net result 2023: -€6,265-€6,265Operating result 2024: -€3,280-€3,280Net result 2024: -€3,417-€3,417Operating result 2025: -€3,032-€3,032Net result 2025: -€3,227-€3,22720212022202320242025-€8,000-€6,000-€4,000-€2,000€0Operating result 2023: -€6,118-€6,120Net result 2023: -€6,265-€6,270Operating result 2024: -€3,280-€3,280Net result 2024: -€3,417-€3,420Operating result 2025: -€3,032-€3,030Net result 2025: -€3,227-€3,230202320242025
The operating result stays negative: a loss of €3,032 in 2025 against €3,280 in 2024; the loss shrinks.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€1▼
2024 · €427
Debt > 1 year
€33,053▲
2024 · €29,801
Income taxes
€100
Ratios withheld: a balance sheet total of €404 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.

  • Micro
  • 10 to 20 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
5.8% went bankrupt
8.1% stopped otherwise
85% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,906 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet Code20242025
Assets
Total assets20/58€806€404▼
Fixed assets21/28€115-
Financial fixed assets28€115-
Current assets29/58€691€404▼
Deferred charges and accrued income490/1€691€404▼
Equity and liabilities
Total equity and liabilities10/49€806€404▼
Equity10/15-€29,422-€32,649▼
Contributions10/11€6,200€6,200=
Reserves13€24,000€24,000=
Tax-exempt reserves132€24,000€24,000=
Profit (loss) carried forward14-€59,622-€62,849▼
Amounts payable17/49€30,228€33,054▲
Amounts payable after more than one year17€29,801€33,053▲
Other amounts payable178/9€29,801€33,053▲
Amounts payable within one year42/48€427€1▼
Financial debts43€18€1▼
Other loans439€18€1▼
Trade debts44€409-
Suppliers440/4€409-
Income statement Code20242025
Other operating charges640/8€623€531▼
Gross operating margin9900-€2,657-€2,501▲
Operating profit (loss)9901-€3,280-€3,032▲
Financial income75/76B-€12
Recurring financial income75-€12
Financial charges65/66B€136€107▼
Recurring financial charges65€136€107▼
Profit (loss) for the period before taxes9903-€3,417-€3,127▲
Income taxes67/77-€100
Profit (loss) for the period9904-€3,417-€3,227▲
Profit (loss) for the period to be appropriated9905-€3,417-€3,227▲
Appropriation of the result
Profit (loss) to be appropriated9906-€59,622-€62,849▼
Profit (loss) brought forward from the previous period14P-€56,206-€59,622▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A-€2,196----
Other operating charges640/8€764€636€1,130€623€531▼ 14.8%
Gross operating margin9900-€4,058€1,441-€4,988-€2,657-€2,501▲ 5.9%
Operating profit (loss)9901-€4,822€805-€6,118-€3,280-€3,032▲ 7.6%
Financial income75/76B----€12-
Recurring financial income75----€12-
Financial charges65/66B€264-€148€136€107▼ 21.3%
Recurring financial charges65€264-€148€136€107▼ 21.3%
Profit (loss) for the period before taxes9903-€5,086€805-€6,265-€3,417-€3,127▲ 8.5%
Income taxes67/77----€100-
Profit (loss) for the period9904-€5,086€805-€6,265-€3,417-€3,227▲ 5.5%
Profit (loss) for the period to be appropriated9905-€5,086€805-€6,265-€3,417-€3,227▲ 5.5%
Line20212022202320242025Change
Assets
Total assets20/58€171€1,027€498€806€404▼ 49.8%
Fixed assets21/28€115€115€115€115--
Financial fixed assets28€115€115€115€115--
Current assets29/58€56€912€383€691€404▼ 41.5%
Cash at bank and in hand54/58€56€56----
Deferred charges and accrued income490/1-€856€383€691€404▼ 41.5%
Equity and liabilities
Total equity and liabilities10/49€171€1,027€498€806€404▼ 49.8%
Equity10/15-€20,545-€19,740-€26,006-€29,422-€32,649▼ 11.0%
Contributions10/11€6,200€6,200€6,200€6,200€6,200=
Reserves13€24,000€24,000€24,000€24,000€24,000=
Tax-exempt reserves132€24,000€24,000€24,000€24,000€24,000=
Profit (loss) carried forward14-€50,745-€49,940-€56,206-€59,622-€62,849▼ 5.4%
Amounts payable17/49€20,716€20,767€26,504€30,228€33,054▲ 9.3%
Amounts payable after more than one year17€15,237€20,767€26,412€29,801€33,053▲ 10.9%
Other amounts payable178/9€15,237€20,767€26,412€29,801€33,053▲ 10.9%
Amounts payable within one year42/48€5,478-€92€427€1▼ 99.8%
Financial debts43--€92€18€1▼ 94.2%
Credit institutions430/8--€92---
Other loans439---€18€1▼ 94.2%
Trade debts44€4,984--€409--
Suppliers440/4€4,984--€409--
Taxes, remuneration and social security45€495-----
Taxes450/3€495-----
Line20212022202320242025Change
Profit (loss) for the period9904-€5,086€805-€6,265-€3,417-€3,227▲ 5.5%
Operating cash flow (approximation)-€5,086€805-€6,265-€3,417-€3,227▲ 5.5%
Investment in fixed assets (approximation)-€0€0€0--
Change in cash-€0----

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial Liquidity times 240current ratio 388.77
Current ratio from 1.62 to 388.77; short-term debt falls from €427 to €1.
22-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
20-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
29-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
22-02
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 206 days late
2022
31-12
Financial Back to profitnet €805
Net result €805 after 4 loss-making years.
2021
28-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
23-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
31-12
Financial Weakest financial yearnet -€8,022
Net result drops to -€8,022, the lowest in the series; recovery starts the following year.
14-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
07-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
27-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Nivelles · 1 establishment unit since 2008
seat establishment The establishment unit on the map
Ground area
252 m²
Building footprint
111 m²
Volume, LiDAR
1,062 m³
Parcel 25782D0804/00A000, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Charleroi 39, 1400 Nivelles
Agents in non-specialised wholesale trade
since 20082.175.067.325
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25782D0804/00A000 Wallonia 252 m² 1 · 111 m² 12.6 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded16-12-2008
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.