BMT RETAIL
ActiveBMT RETAIL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-15k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 80% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-60
Solvency93▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 5.69 in 2024; short-term debt: 32.1% and cash: 24.9% of total assets), and 32.1% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
67.9%
Return on assets
-28.8%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
31 d early
2024
13 d early
2023
36 d early
2022
21 d early
2021
19 d early
2020
17 d early
2019
28 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€34k▼ 38.1%
2024 · €56k
2018: €26k
2019: €9k
2020: €26k
2021: €24k
2022: €51k
2023: €50k
2024: €56k
2018 → 2025
Total assets
€51k▼ 24.9%
2024 · €67k
2018: €88k
2019: €44k
2020: €33k
2021: €27k
2022: €69k
2023: €81k
2024: €67k
2018 → 2025
Net result
€-15k
2024 · €6k
2018: €7k
2019: €-17k
2020: €17k
2021: €-2k
2022: €26k
2023: €11k
2024: €6k
2018 → 2025
Working capital
€34k▼ 38.1%
2024 · €56k
2018: €19k
2019: €5k
2020: €25k
2021: €24k
2022: €51k
2023: €50k
2024: €56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€51k▲ 108%€50k▼ 2.5%€56k▲ 12.3%€34k▼ 38.1%
Operating result€-1k-€32k€17k▼ 47.0%€10k▼ 41.0%€-15k
Net result€-2k-€26k€11k▼ 57.8%€6k▼ 45.1%€-15k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €51k
Equity
€34k▼ 38.1%
Debt
€16k▲ 36.9%
The debt ratio rises from 17.6% to 32.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
67.9%▼
2024 · 82.4%
Current ratio
3.12▼
2024 · 5.69
Quick ratio
1.86▼
2024 · 3.77
Debt / equity
0.47▲
2024 · 0.21
ROE
-42.4%▼
2024 · 11.0%
ROA
-28.8%▼
2024 · 9.0%
Debt
€16k▲
2024 · €12k
Debt ≤ 1 year
€16k▲
2024 · €12k
Staff costs
€32k▼
2024 · €34k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€67k€51k▼
Current assets29/58€67k€51k▼
Stocks and contracts in progress3€23k€21k▼
Stocks30/36€23k€21k▼
Amounts receivable within one year40/41€7k€18k▲
Trade receivables40€2k€8k▲
Other amounts receivable41€4k€9k▲
Cash at bank and in hand54/58€38k€13k▼
Equity and liabilities
Total equity and liabilities10/49€67k€51k▼
Equity10/15€56k€34k▼
Reserves13€56k€34k▼
Distributable reserves133€56k€34k▼
Amounts payable17/49€12k€16k▲
Amounts payable within one year42/48€12k€16k▲
Trade debts44€7k€14k▲
Suppliers440/4€7k€14k▲
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€34k€32k▼
Other operating charges640/8€403€4k▲
Gross operating margin9900€44k€21k▼
Operating profit (loss)9901€10k€-15k▼
Financial income75/76B€0€59▲
Recurring financial income75€0€59▲
Financial charges65/66B€60€46▼
Recurring financial charges65€60€46▼
Profit (loss) for the period before taxes9903€10k€-15k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€6k€-15k▼
Profit (loss) for the period to be appropriated9905€6k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-15k▼
Transfer from equity791/2-€21k
Transfer to equity691/2€6k-
To other reserves6921€6k-
Profit to be distributed694/7-€7k
Return on contributions (dividend)694-€7k
Social balance
Average headcount (FTE)90871.10.9▼
The notes to these accounts (2 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 5.69
Current ratio from 2.58 to 5.69; short-term debt falls from €31k to €12k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 10.25
Current ratio from 4.29 to 10.25; short-term debt falls from €7k to €3k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 4.29
Current ratio from 1.15 to 4.29; short-term debt falls from €35k to €7k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-17k ▼351%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 23 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 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, Antwerpen · 1 establishment unit since 2016
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.
Wiegstraat 52000 AntwerpenGround area
90 m²
Building footprint
91 m²
Volume, LiDAR
1,130 m³
Parcel 11803C1695/00B000, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BMT Retail
since 20162.254.792.714
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C1695/00B000 | Flanders | 90 m² | 1 · 90 m² | 16.0 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
Flora
BE 0677.725.241
Antwerpen · Eq €34k
ANGELISSIMO
BE 0738.541.667
Namur · Eq €35k
Biovita Services
BE 0777.785.887
Brugge · Eq €34k
DE GOUDEN STERRE
BE 0460.694.768
Bree · Eq €35k
EURO SEL
BE 0764.726.323
Sint-Niklaas · Eq €35k
Of 2,476 companies in sector 47279 we hold annual accounts for 949. 765 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2016
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
47789Other retail sale of new goods
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.