BNM

Bankruptcy

Private limited company (pre-2019)founded 2011KBO/BCE: BE 0842.072.143

The KBO register records for BNM the legal situation: open bankruptcy (code 050); this is today's state according to the register itself, which carries no start date. The 2023 annual accounts show equity of €14k and a net result of €801.

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Signals

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

−lowers risk+raises risk○neutral

Growing equity

Equity grew over 2021-2023. Profits are largely retained rather than distributed.

NBB · annual accounts 2023

Equity per financial year

181920212223

2018 to 2023 · latest year €14k

The KBO register records the legal situation: open bankruptcy (code 050). This is today's state according to the register itself; the register carries no start date.

KBO · legal situation

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 2023, micro schema

Turnover

€220k▲ 37.0%

2022 · €160k

2018: €73k 2019: €106k 2020: €125k 2021: €178k 2022: €160k

2018 → 2023

EBIT margin

0.5%▼ 1.5pp

2022 · 2.0%

2018: 12.0% 2019: -1.8% 2020: -5.4% 2021: 6.3% 2022: 2.0%

2018 → 2023

Net result

€801▼ 75.0%

2022 · €3k

2018: €8k 2019: €-91 2020: €-7k 2021: €9k 2022: €3k

2018 → 2023

Working capital

€14k▲ 6.1%

2022 · €13k

2018: €8k 2019: €8k 2020: €635 2021: €10k 2022: €13k

2018 → 2023

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20192020202120222023Trend

Turnover€106k-€125k▲ 17.9%€178k▲ 42.8%€160k▼ 10.0%€220k▲ 37.0%

Equity€8k-€635▼ 92.1%€10k▲ 1,451%€13k▲ 32.6%€14k▲ 6.1%

Operating result€-2k-€-7k▼ 254%€11k€3k▼ 71.5%€1k▼ 66.7%

Net result€-91-€-7k▼ 8,069%€9k€3k▼ 65.2%€801▼ 75.0%

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2023 is 67% below 2022.

Balance-sheet composition

2023 in colour, 2022 as the grey bar beneath

Equity and liabilities €37k

37.8%

62.2%

Equity €14k▲ 6.1%

Debt €23k▲ 126%

The debt ratio rises from 43.5% to 62.2%: debt grows faster than equity.

Key figures and ratios

2023 value · change against 2022

Solvency

37.8%▼

2022 · 56.5%

Current ratio

1.61▼

2022 · 2.30

Quick ratio

1.61▼

2022 · 2.30

Debt / equity

1.64▲

2022 · 0.77

ROE

5.8%▼

2022 · 24.6%

ROA

2.2%▼

2022 · 13.9%

Debt

€23k▲

2022 · €10k

Debt ≤ 1 year

€23k▲

2022 · €10k

Income taxes

€267

Staff costs

€37k▲

2022 · €29k

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 · 2023 against 2022

Balance sheet Code20222023

Assets

Total assets20/58€23k€37k▲

Current assets29/58€23k€37k▲

Amounts receivable within one year40/41€23k€37k▲

Trade receivables40€23k€37k▲

Cash at bank and in hand54/58€349€1▼

Equity and liabilities

Total equity and liabilities10/49€23k€37k▲

Equity10/15€13k€14k▲

Contributions10/11€1€1=

Capital10€1€1=

Issued capital100€1€1=

Profit (loss) carried forward14€13k€14k▲

Amounts payable17/49€10k€23k▲

Amounts payable within one year42/48€10k€23k▲

Trade debts44€2k-

Suppliers440/4€2k-

Taxes, remuneration and social security45€734€5k▲

Taxes450/3€734€3k▲

Remuneration and social security454/9-€2k

Other amounts payable47/48€7k€17k▲

Income statement Code20222023

Turnover70€160k€220k▲

Goods, raw materials, services and sundry goods60/61€128k€182k▲

Remuneration, social security and pensions62€29k€37k▲

Gross operating margin9900€32k€38k▲

Operating profit (loss)9901€3k€1k▼

Profit (loss) for the period before taxes9903€3k€1k▼

Income taxes67/77-€267

Profit (loss) for the period9904€3k€801▼

Profit (loss) for the period to be appropriated9905€3k€801▼

Appropriation of the result

Profit (loss) to be appropriated9906€13k€14k▲

Profit (loss) brought forward from the previous period14P€10k€13k▲

The notes to these accounts (2 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 12Financial 2Filings 10

2024

19-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 141 days late

2023

03-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 95 days late

2022

28-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 89 days late

2021

31-12

Financial Back to profitnet €9k

Net result €9k after 2 loss-making years.

20-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 81 days late

2020

31-12

Financial Weakest financial yearnet €-7k

Net result drops to €-7k, the lowest in the series.

11-11

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 103 days late

2019

27-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 27 days late

2018

08-11

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 100 days late

2017

29-06

NBB filing Annual accounts filed

fiscal year 2016 · full schema

2016

23-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 23 days late

2015

13-08

NBB filing Annual accounts filed

fiscal year 2014 · full schema · 13 days late

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

Directors · office · real estate

Directors

2 directors, no change since 2023

TANSIA SUZIE

Manager · since 13-01-2023

Current

13-01-2023 TANSIA SUZIE: Appointed as Manager

13-01-2023 NTA MUZIR BLAISE: Resigned as Manager

Location & real-estate footprint

1 establishment unit since 2012

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.

Ground area

1,107 m²

Building footprint

858 m²

Volume, LiDAR

17,639 m³

2 parcels, Brussels · tallest building 32.2 m, ±9 floors. Linked by address, not a title deed.

1 establishment unit

BNM

Instituutstraat 19, 1070 AnderlechtPostal and courier activities

since 20122.235.924.630

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21807G0120/00L005	Brussels	700 m²	1 · 700 m²	32.2 m · 9 fl.
21001A0762/00G000	Brussels	407 m²	1 · 158 m²	11.8 m · 3 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

Of 4,831 companies in sector 53200 we hold annual accounts for 1,288. 960 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded23-12-2011

Fiscal year end31-12

Activities, NACEBEL

53200Other postal and courier activities

70200Business and other management consultancy

70210Activities of head offices; management consultancy activities

70220Business consulting

73300Public relations and communication consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers

Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.