BMS PRO
ActiveSummary
The computed 12-month bankruptcy probability of BMS PRO is 3.7% (moderate). The 2025 annual accounts show equity of €39k and a net result of €17k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 27965 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+71
Solvency44▼-56
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.66 against 15.06 in 2024; short-term debt: 59.4% and cash: 6.4% of total assets), but 80.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
19.3%
Return on assets
8.2%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 27965 sector peers (2025).
NBB · sector comparisonPosition among 27965 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
12 d early
2023
212 d late
2022
2 d late
2021
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 73.7%
2024 · €23k
2021: €16klowest in 5 years
2022: €21k▲ +36.5% vs 2021
2023: €25k▲ +16.1% vs 2022
2024: €23k▼ -8.1% vs 2023
2025: €39k▲ +73.7% vs 2024highest in 5 years
2021 → 2025
Total assets
€205k▲ 741%
2024 · €24k
2021: €143k
2022: €30k▼ -78.9% vs 2021
2023: €30k▲ +0.2% vs 2022
2024: €24k▼ -19.8% vs 2023lowest in 5 years
2025: €205k▲ +741% vs 2024highest in 5 years
2021 → 2025
Net result
€17k
2024 · €-2k
2021: €5k
2022: €6k▲ +5.1% vs 2021
2023: €3k▼ -39.6% vs 2022
2024: €-2k▼ -159% vs 2023lowest in 5 years
2025: €17k▲ +932% vs 2024highest in 5 years
2021 → 2025
Working capital
€80k▲ 252%
2024 · €23k
2021: €13klowest in 5 years
2022: €20k▲ +62.3% vs 2021
2023: €24k▲ +19.0% vs 2022
2024: €23k▼ -6.6% vs 2023
2025: €80k▲ +252% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€21k▲ 36.5%€25k▲ 16.1%€23k▼ 8.1%€39k▲ 73.7%
2021: €16klowest in 5 years
2022: €21k▲ +36.5% vs 2021
2023: €25k▲ +16.1% vs 2022
2024: €23k▼ -8.1% vs 2023
2025: €39k▲ +73.7% vs 2024highest in 5 years
Operating result€8k-€9k▲ 16.6%€5k▼ 44.7%€-2k€22k
2021: €8k
2022: €9k▲ +16.6% vs 2021
2023: €5k▼ -44.7% vs 2022
2024: €-2k▼ -136% vs 2023lowest in 5 years
2025: €22k▲ +1322% vs 2024highest in 5 years
Net result€5k-€6k▲ 5.1%€3k▼ 39.6%€-2k€17k
2021: €5k
2022: €6k▲ +5.1% vs 2021
2023: €3k▼ -39.6% vs 2022
2024: €-2k▼ -159% vs 2023lowest in 5 years
2025: €17k▲ +932% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €22k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€3k ▲ 3,183%
Current assets
€201k ▲ 731%
Equity and liabilities €205k
Equity
€39k ▲ 73.7%
Debt
€165k ▲ 10,167%
Debt's share of the balance-sheet total rises from 6.6% to 80.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €-1k
Cash flow
€17k▲
2024 · €-2k
Current ratio
1.66▼
2024 · 15.06
Debt to equity
4.18▲
2024 · 0.07
ROE
42.4%▲
2024 · -8.9%
ROA
8.2%▲
2024 · -8.3%
Interest coverage
84.13▲
2024 · -6.87
Debt ≤ 1 year
€122k▲
2024 · €2k
Income taxes
€5k▲
2024 · €48
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€24k€205k▲
Fixed assets21/28€105€3k▲
Tangible fixed assets22/27€105€3k▲
Furniture and vehicles24€105€3k▲
Current assets29/58€24k€201k▲
Amounts receivable within one year40/41€23k€188k▲
Trade receivables40-€164k
Other amounts receivable41€23k€24k▲
Cash at bank and in hand54/58€847€13k▲
Equity and liabilities
Total equity and liabilities10/49€24k€205k▲
Equity10/15€23k€39k▲
Contributions10/11€10k€10k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€12k€28k▲
Amounts payable17/49€2k€165k▲
Amounts payable within one year42/48€2k€122k▲
Trade debts44€91€117k▲
Suppliers440/4€91€117k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Accrued charges and deferred income492/3-€44k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€420€391▼
Other operating charges640/8€1k€358▼
Gross operating margin9900€-109€22k▲
Operating profit (loss)9901€-2k€22k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€196€262▲
Recurring financial charges65€196€262▲
Profit (loss) for the period before taxes9903€-2k€21k▲
Income taxes67/77€48€5k▲
Profit (loss) for the period9904€-2k€17k▲
Profit (loss) for the period to be appropriated9905€-2k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€28k▲
Profit (loss) brought forward from the previous period14P€14k€12k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €967 | €315 | €420 | €420 | €391 | ▼ 6.8% |
| Other operating charges640/8 | €1k | €1k | €710 | €1k | €358 | ▼ 71.2% |
| Non-recurring operating charges66A | - | €2k | - | - | - | - |
| Gross operating margin9900 | €10k | €13k | €6k | €-109 | €22k | ▲ 20,554% |
| Operating profit (loss)9901 | €8k | €9k | €5k | €-2k | €22k | ▲ 1,322% |
| Financial income75/76B | €26 | €125 | - | - | €0 | - |
| Recurring financial income75 | €26 | €125 | - | - | €0 | - |
| Financial charges65/66B | €74 | €135 | €196 | €196 | €262 | ▲ 33.2% |
| Recurring financial charges65 | €74 | €135 | €196 | €196 | €262 | ▲ 33.2% |
| Profit (loss) for the period before taxes9903 | €7k | €9k | €5k | €-2k | €21k | ▲ 1,186% |
| Income taxes67/77 | €2k | €3k | €1k | €48 | €5k | ▲ 9,423% |
| Profit (loss) for the period9904 | €5k | €6k | €3k | €-2k | €17k | ▲ 932% |
| Profit (loss) for the period to be appropriated9905 | €5k | €6k | €3k | €-2k | €17k | ▲ 932% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €143k | €30k | €30k | €24k | €205k | ▲ 741% |
| Fixed assets21/28 | €3k | €944 | €525 | €105 | €3k | ▲ 3,183% |
| Tangible fixed assets22/27 | €3k | €944 | €525 | €105 | €3k | ▲ 3,183% |
| Furniture and vehicles24 | €3k | €944 | €525 | €105 | €3k | ▲ 3,183% |
| Current assets29/58 | €140k | €29k | €30k | €24k | €201k | ▲ 731% |
| Amounts receivable within one year40/41 | €133k | €27k | €28k | €23k | €188k | ▲ 705% |
| Trade receivables40 | €132k | €21k | €13k | - | €164k | - |
| Other amounts receivable41 | €1k | €6k | €15k | €23k | €24k | ▲ 1.6% |
| Cash at bank and in hand54/58 | €6k | €2k | €1k | €847 | €13k | ▲ 1,445% |
| Deferred charges and accrued income490/1 | €325 | €405 | €529 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €143k | €30k | €30k | €24k | €205k | ▲ 741% |
| Equity10/15 | €16k | €21k | €25k | €23k | €39k | ▲ 73.7% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €1k | €1k | €1k | €1k | €1k | = |
| Non-distributable reserves130/1 | €1k | €1k | €1k | €1k | €1k | = |
| Reserves not available under the articles1311 | €1k | €1k | €1k | €1k | €1k | = |
| Profit (loss) carried forward14 | €4k | €10k | €14k | €12k | €28k | ▲ 146% |
| Amounts payable17/49 | €128k | €9k | €6k | €2k | €165k | ▲ 10,167% |
| Amounts payable within one year42/48 | €127k | €9k | €6k | €2k | €122k | ▲ 7,452% |
| Trade debts44 | €123k | €4k | €1k | €91 | €117k | ▲ 128,461% |
| Suppliers440/4 | €123k | €4k | €1k | €91 | €117k | ▲ 128,461% |
| Advances received on contracts in progress46 | €3k | - | - | - | - | - |
| Taxes, remuneration and social security45 | €2k | €5k | €4k | €2k | €5k | ▲ 202% |
| Taxes450/3 | €2k | €5k | €4k | €2k | €5k | ▲ 202% |
| Other amounts payable47/48 | €163 | - | - | - | - | - |
| Accrued charges and deferred income492/3 | €314 | - | - | - | €44k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €6k | €3k | €-2k | €17k | ▲ 932% |
| + Depreciation and write-downs630 | €967 | €315 | €420 | €420 | €391 | ▼ 6.8% |
| Operating cash flow (approximation) | €6k | €6k | €4k | €-2k | €17k | ▲ 1,176% |
| Investment in fixed assets (approximation) | - | €2k | €0 | €0 | €-4k | - |
| Change in cash | - | €-5k | €-372 | €-441 | €12k | ▲ 2,878% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 212 days late
30-09
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 15.06
Current ratio from 5.33 to 15.06; short-term debt falls from €6k to €2k.
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
30-09
Financial
Liquidity triplescurrent ratio 3.27
Current ratio from 1.10 to 3.27; short-term debt falls from €127k to €9k.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Anderlecht · 1 establishment unit since 2020
Ground area
96 m²
Building footprint
95 m²
Volume, LiDAR
1,257 m³
Parcel 21308H0528/00H004, Brussels · tallest building 16.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
BMS PRO
since 20202.310.242.664
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0528/00H004 | Brussels | 96 m² | 1 · 95 m² | 16.2 m · 5 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.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 5,930 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-11-2020
Fiscal year end30-09
Activities, NACEBEL 2025
43990Other specialised construction activities
43350Other building finishing work
Contact
Phone
+32403360626
Scores and ratios are computed by Checked and are not a credit decision.