BNA MANAGEMENT
ActiveSummary
The computed 12-month bankruptcy probability of BNA MANAGEMENT is 10.2% (high). The 2025 annual accounts show negative equity (€-16k) and a net result of €-22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 4603 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
12
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-87
Solvency0▼-40
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
10.2%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.31 against 0.89 in 2024; short-term debt: 95.3% and cash: 18% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
-31.2%
Return on assets
-44.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-16k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
8 d early
2024
61 d late
2023
19 d late
2022
1 d late
2021
16 d late
2020
1 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 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
€-16k
2024 · €7k
2020: €1k
2021: €6k
2022: €-7k
2023: €-47
2024: €7k
2020 → 2025
Total assets
€50k▲ 15.4%
2024 · €43k
2020: €14k
2021: €26k
2022: €35k
2023: €48k
2024: €43k
2020 → 2025
Net result
€-22k
2024 · €7k
2020: €-539
2021: €5k
2022: €-13k
2023: €6k
2024: €7k
2020 → 2025
Working capital
€-33k▼ 1,484%
2024 · €-2k
2020: €-2k
2021: €-5k
2022: €-13k
2023: €-13k
2024: €-2k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€-7k€-47▲ 99.3%€7k€-16k
Operating result€6k-€-9k€8k€8k▲ 0.3%€-9k
Net result€5k-€-13k€6k€7k▲ 2.6%€-22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €8k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€35k ▲ 37.6%
Current assets
€15k ▼ 16.9%
Key figures and ratios
EBITDA
€162▼
2024 · €24k
Cash flow
€-13k▼
2024 · €22k
Solvency
-31.2%▼
2024 · 15.2%
Current ratio
0.31▼
2024 · 0.89
Debt / equity
-4.20▼
2024 · 5.59
ROA
-44.4%▼
2024 · 15.3%
Interest coverage
0.06▼
2024 · 13.56
Debt
€66k▲
2024 · €37k
Debt ≤ 1 year
€48k▲
2024 · €20k
Debt > 1 year
€18k▲
2024 · €17k
Staff costs
€4k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€43k€50k▲
Fixed assets21/28€26k€35k▲
Tangible fixed assets22/27€26k€35k▲
Plant, machinery and equipment23€1k€686▼
Furniture and vehicles24€25k€35k▲
Current assets29/58€18k€15k▼
Amounts receivable within one year40/41€3k€6k▲
Trade receivables40-€3k
Other amounts receivable41€3k€3k=
Cash at bank and in hand54/58€15k€9k▼
Equity and liabilities
Total equity and liabilities10/49€43k€50k▲
Equity10/15€7k€-16k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€5k€-18k▼
Amounts payable17/49€37k€66k▲
Amounts payable after more than one year17€17k€18k▲
Financial debts170/4€17k€18k▲
Amounts payable within one year42/48€20k€48k▲
Current portion of amounts payable after more than one year42€9k€13k▲
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€3k€21k▲
Taxes450/3€66€449▲
Remuneration and social security454/9€3k€21k▲
Other amounts payable47/48€829€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€9k▼
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€235€544▲
Gross operating margin9900€26k€8k▼
Operating profit (loss)9901€8k€-9k▼
Financial charges65/66B€2k€13k▲
Recurring financial charges65€2k€3k▲
Non-recurring financial charges66B-€10k
Profit (loss) for the period before taxes9903€7k€-22k▼
Profit (loss) for the period9904€7k€-22k▼
Profit (loss) for the period to be appropriated9905€7k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-18k▼
Profit (loss) brought forward from the previous period14P€-2k€5k▲
The notes to these accounts (8 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-22k ▼435%
Net result drops to €-22k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2020net €7k ▲2.6%
Operating result €8k, net result €7k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 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, Brussel · 2 establishment units since 2019
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.
Felix Sterckxstraat 101020 BrusselGround area
1,065 m²
Building footprint
260 m²
Volume, LiDAR
2,185 m³
2 parcels, Brussels, Flanders · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
BNA MANAGEMENT
since 20192.294.044.753
BNA MANAGEMENT
since 20212.311.532.269
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23060B0576/00H000 | Flanders | 901 m² | 1 · 159 m² | 11.7 m · 3 fl. |
| 21816C0022/00G002 | Brussels | 165 m² | 1 · 101 m² | 14.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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RAZATEC
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SSL NEW CONCEPT
BE 0770.479.512
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ESSAM
BE 0443.896.447
Sint-Jans-Molenbeek · Eq €6,607
Of 6,686 companies in sector 49330 we hold annual accounts for 2,295. 1,853 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
Founded26-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
46180Agents specialised in the wholesale of other particular products
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49310Scheduled passenger transport by road
52210Service activities incidental to land transportation
71201Architectural and engineering activities; technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bna.management.trans@gmail.com