BO-MAN

Active

Private limited companyfounded 199135 yrs activeBuke 65, 9620 Zottegem, BelgiumKBO/BCE: BE 0444.414.012

Summary

BO-MAN has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €219,719 and a net result of €2,398. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 57% of 994 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysis Watch Report Compare

BO-MANActiveChecked score 68/100

Risk analysis Report Compare

Checked score

Score 2024

68 / 100

Healthy

Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability60▼-10

Solvency77▲+6

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €14,000 at 30 days acceptable

Liquidity short (current ratio 0.78 against 0.54 in 2023; short-term debt: 39.5% and cash: 1.6% of total assets), and 47.5% of the assets are financed with debt.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk○neutral

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 95

Relative position

BE, all sectors

reference

Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)

about 19% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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

not confirmed

2024

29 d late

2023

on the day

2022

29 d late

2021

16 d late

2020

16 d late

2019

32 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 10 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)

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 18 June 1991, BO-MAN was incorporated.¹ Total assets went from EUR 394,665 in 2018 to EUR 418,858 in 2024.²

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Financials · fiscal year 2024, abbreviated schema

In the rankings #4 oldest company in Zottegem, Other services sector #8 company by total assets in Zottegem, Other services sector #8 company by equity in Zottegem, Other services sector

Equity

€219,719▲ 1.1%

2023 · €217,321

Total assets

€418,858▼ 11.9%

2023 · €475,355

Net result

€2,398▼ 61.0%

2023 · €6,151

Working capital

-€35,920▲ 62.5%

2023 · -€95,744

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20202021202220232024

Operating result€13,094▲ 287%-€4,190€1,415€5,356▲ 278%-€22,525

Net result€12,757-€8,427-€1,869▲ 77.8%€6,151€2,398▼ 61.0%

Equity€221,467▲ 6.1%€213,040▼ 3.8%€211,170▼ 0.9%€217,321▲ 2.9%€219,719▲ 1.1%

Total assets€371,158▲ 12.8%€442,297▲ 19.2%€426,387▼ 3.6%€475,355▲ 11.5%€418,858▼ 11.9%

Debt€149,691▲ 24.3%€229,257▲ 53.2%€215,217▼ 6.1%€258,034▲ 19.9%€199,138▼ 22.8%

Working capital€24,671▲ 26.8%-€35,072-€65,391▼ 86.4%-€95,744▼ 46.4%-€35,920▲ 62.5%

Solvency59.7%▼ 3.7pp48.2%▼ 11.5pp49.5%▲ 1.4pp45.7%▼ 3.8pp52.5%▲ 6.7pp

Staff (FTE)

above within below the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €22,525 after €5,356 in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €418,858

69.1%

30.9%

Fixed assets €289,247 ▼ 20.6%

Current assets €129,611 ▲ 16.6%

Equity and liabilities €418,858

52.5%

47.5%

Equity €219,719 ▲ 1.1%

Debt €199,138 ▼ 22.8%

Debt's share of the balance-sheet total falls from 54.3% to 47.5%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€24,126▼

2023 · €48,219

Cash flow

€49,048▲

2023 · €49,014

Current ratio

0.78▲

2023 · 0.54

Quick ratio

0.52▲

2023 · 0.33

Debt to equity

0.91▼

2023 · 1.19

ROE

1.1%▼

2023 · 2.8%

ROA

0.6%▼

2023 · 1.3%

Interest coverage

4.85▼

2023 · 10.52

Debt ≤ 1 year

€165,531▼

2023 · €206,910

Debt > 1 year

€33,607▼

2023 · €51,124

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.

Micro
20 years or older
solvency 30% or more
a profit under 5% of the balance sheet

0.5% went bankrupt

4.9% stopped otherwise

94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group	Expected	Actual
1	0.2%	0.2%
2	0.3%	0.4%
3	0.5%	0.5%
4	0.6%	0.7%
5	0.8%	0.9%
6	1.2%	1.3%
7	1.5%	1.6%
8	1.7%	1.7%
9	2.7%	2.8%
10	5.3%	5.7%

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 16,986 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

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2024 against 2023 · 48 lines

Balance sheet Code20232024

Assets

Total assets20/58€475,355€418,858▼

Fixed assets21/28€364,189€289,247▼

Tangible fixed assets22/27€364,189€289,247▼

Land and buildings22€242,383€244,860▲

Plant, machinery and equipment23€38,781€29,523▼

Furniture and vehicles24€83,025€14,863▼

Current assets29/58€111,166€129,611▲

Stocks and contracts in progress3€43,000€43,000=

Stocks30/36€43,000€18,000▼

Contracts in progress37-€25,000

Amounts receivable within one year40/41€56,349€70,817▲

Trade receivables40€38,255€65,443▲

Other amounts receivable41€18,095€5,374▼

Cash at bank and in hand54/58€3,170€6,800▲

Deferred charges and accrued income490/1€8,647€8,993▲

Equity and liabilities

Total equity and liabilities10/49€475,355€418,858▼

Equity10/15€217,321€219,719▲

Contributions10/11€18,600€18,600=

Reserves13€198,721€201,119▲

Distributable reserves133€198,721€201,119▲

Amounts payable17/49€258,034€199,138▼

Amounts payable after more than one year17€51,124€33,607▼

Financial debts170/4€51,124€33,607▼

Amounts payable within one year42/48€206,910€165,531▼

Current portion of amounts payable after more than one year42€22,650€17,517▼

Financial debts43€25,215€16,898▼

Credit institutions430/8€25,215€16,898▼

Trade debts44€109,728€79,090▼

Suppliers440/4€109,728€79,090▼

Taxes, remuneration and social security45€34€2,304▲

Taxes450/3€34€2,304▲

Other amounts payable47/48€49,283€49,723▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42,863€46,650▲

Other operating charges640/8€10,244€11,271▲

Non-recurring operating charges66A-€17,852

Gross operating margin9900€58,463€53,248▼

Operating profit (loss)9901€5,356-€22,525▼

Financial income75/76B€5,379€29,898▲

Recurring financial income75€37€4,318▲

Non-recurring financial income76B€5,342€25,580▲

Financial charges65/66B€4,584€4,976▲

Recurring financial charges65€4,584€4,976▲

Profit (loss) for the period before taxes9903€6,151€2,398▼

Profit (loss) for the period9904€6,151€2,398▼

Profit (loss) for the period to be appropriated9905€6,151€2,398▼

Appropriation of the result

Profit (loss) to be appropriated9906€6,151€2,398▼

Transfer to equity691/2€6,151€2,398▼

To other reserves6921€6,151€2,398▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2020	2021	2022	2023	2024	Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€32,748	€39,939	€42,148	€42,863	€46,650	▲ 8.8%
Other operating charges640/8	-	€10,284	€8,636	€10,244	€11,271	▲ 10.0%
Non-recurring operating charges66A	-	-	-	-	€17,852	-
Gross operating margin9900	€54,916	€46,032	€52,199	€58,463	€53,248	▼ 8.9%
Operating profit (loss)9901	€13,094	-€4,190	€1,415	€5,356	-€22,525	▼ 521%
Financial income75/76B	-	€356	€100	€5,379	€29,898	▲ 456%
Recurring financial income75	€2,381	€356	€100	€37	€4,318	▲ 11,606%
Non-recurring financial income76B	-	-	-	€5,342	€25,580	▲ 379%
Financial charges65/66B	-	€4,593	€3,385	€4,584	€4,976	▲ 8.5%
Recurring financial charges65	€2,718	€4,593	€3,385	€4,584	€4,976	▲ 8.5%
Profit (loss) for the period before taxes9903	€12,757	-€8,427	-€1,869	€6,151	€2,398	▼ 61.0%
Profit (loss) for the period9904	€12,757	-€8,427	-€1,869	€6,151	€2,398	▼ 61.0%
Profit (loss) for the period to be appropriated9905	€12,757	-€8,427	-€1,869	€6,151	€2,398	▼ 61.0%

Line	2020	2021	2022	2023	2024	Change
Assets
Total assets20/58	€371,158	€442,297	€426,387	€475,355	€418,858	▼ 11.9%
Fixed assets21/28	€226,433	€283,807	€310,932	€364,189	€289,247	▼ 20.6%
Tangible fixed assets22/27	€226,433	€283,807	€310,932	€364,189	€289,247	▼ 20.6%
Land and buildings22	-	€208,804	€258,006	€242,383	€244,860	▲ 1.0%
Plant, machinery and equipment23	-	€7,380	€11,009	€38,781	€29,523	▼ 23.9%
Furniture and vehicles24	-	€67,623	€41,916	€83,025	€14,863	▼ 82.1%
Current assets29/58	€144,725	€158,490	€115,455	€111,166	€129,611	▲ 16.6%
Stocks and contracts in progress3	€38,000	€38,000	€43,000	€43,000	€43,000	=
Stocks30/36	-	€18,000	€18,000	€43,000	€18,000	▼ 58.1%
Contracts in progress37	-	€20,000	€25,000	-	€25,000	-
Amounts receivable within one year40/41	€92,693	€103,629	€60,934	€56,349	€70,817	▲ 25.7%
Trade receivables40	-	€95,594	€48,820	€38,255	€65,443	▲ 71.1%
Other amounts receivable41	-	€8,035	€12,114	€18,095	€5,374	▼ 70.3%
Cash at bank and in hand54/58	€5,022	€9,247	€3,622	€3,170	€6,800	▲ 115%
Deferred charges and accrued income490/1	-	€7,615	€7,899	€8,647	€8,993	▲ 4.0%
Equity and liabilities
Total equity and liabilities10/49	€371,158	€442,297	€426,387	€475,355	€418,858	▼ 11.9%
Equity10/15	€221,467	€213,040	€211,170	€217,321	€219,719	▲ 1.1%
Contributions10/11	-	€18,600	€18,600	€18,600	€18,600	=
Reserves13	€202,867	€194,440	€192,570	€198,721	€201,119	▲ 1.2%
Non-distributable reserves130/1	-	€1,860	€1,860	-	-	-
Reserves not available under the articles1311	-	€1,860	€1,860	-	-	-
Distributable reserves133	-	€192,580	€190,710	€198,721	€201,119	▲ 1.2%
Amounts payable17/49	€149,691	€229,257	€215,217	€258,034	€199,138	▼ 22.8%
Amounts payable after more than one year17	€29,638	€35,180	€34,371	€51,124	€33,607	▼ 34.3%
Financial debts170/4	-	€35,180	€34,371	€51,124	€33,607	▼ 34.3%
Amounts payable within one year42/48	€120,053	€193,563	€180,845	€206,910	€165,531	▼ 20.0%
Current portion of amounts payable after more than one year42	-	€24,946	€23,632	€22,650	€17,517	▼ 22.7%
Financial debts43	-	€15,845	€26,415	€25,215	€16,898	▼ 33.0%
Credit institutions430/8	-	€15,845	€26,415	€25,215	€16,898	▼ 33.0%
Trade debts44	€37,522	€100,120	€74,730	€109,728	€79,090	▼ 27.9%
Suppliers440/4	-	€100,120	€74,730	€109,728	€79,090	▼ 27.9%
Taxes, remuneration and social security45	-	€498	€3,914	€34	€2,304	▲ 6,646%
Taxes450/3	-	€498	€3,914	€34	€2,304	▲ 6,646%
Other amounts payable47/48	-	€52,154	€52,154	€49,283	€49,723	▲ 0.9%
Accrued charges and deferred income492/3	-	€515	-	-	-	-

Line	2020	2021	2022	2023	2024	Change
Profit (loss) for the period9904	€12,757	-€8,427	-€1,869	€6,151	€2,398	▼ 61.0%
+ Depreciation and write-downs630	€32,748	€39,939	€42,148	€42,863	€46,650	▲ 8.8%
Operating cash flow (approximation)	€45,505	€31,511	€40,279	€49,014	€49,048	▲ 0.1%
Investment in fixed assets (approximation)	-	-€97,312	-€69,273	-€96,120	€28,292	▲ 129%
Change in cash	-	€4,225	-€5,625	-€452	€3,630	▲ 904%

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

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 29 days late

2024

31-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Back to profitnet €6,151

Net result €6,151 after 2 loss-making years.

29-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 29 days late

2022

16-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 16 days late

2021

31-12

Financial Weakest financial yearnet -€8,427

Net result drops to -€8,427, the lowest in the series; recovery starts the following year.

16-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 16 days late

2020

31-12

Financial Back to profitnet €12,757

Net result €12,757 after one loss-making year.

29-06

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

01-07

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

25-06

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

19-06

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

2016

14-06

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

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

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

1 act for this company is 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, Zottegem · 1 establishment unit since 1991

seat establishment The establishment unit on the map

Ground area

6,597 m²

Building footprint

1,908 m²

Volume, LiDAR

11,967 m³

Parcel 41035A0246/00K000, Flanders · tallest building 18.2 m, ±2 floors. Linked by address, not a title deed.

4 companies at this address See who is registered here

1 establishment unit

Buke 65, 9620 Zottegem

NACE 5010101

since 19912.055.004.089

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41035A0246/00K000	Flanders	6,597 m²	1 · 1,908 m²	18.2 m · 2 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.

Structure & network

Owners and holdings

1 owner

Chain of control

INRIMO 99%
BO-MAN

Highest known parent: INRIMO. The sources do not say who stands above it.

Owners 1

INRIMOparent

Sourceaccounts INRIMO 30-06-2023

99%

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

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Of 7,378 companies in sector 95311 we hold annual accounts for 2,962. 2,310 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

Founded18-06-1991

Fiscal year end31-12

Activities, NACEBEL 2025

95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)

E-invoicing

Reachable via Peppol

Peppol ID 0208:0444414012

Also 9925:BE0444414012

Registered 08-12-2025

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