Financials
- Fiscal year
- 2025
- Turnover
- €10.6m
- Profit
- €166,215
- Solvency
- 83.9%
Turnover▼ 1.9%
Net result
20182025
BOUWMAR
ActiveSummary
BOUWMAR has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9.0m and a net result of €166,215. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 4473 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Activity
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521Other non-specialised retail sale NACE 47120NACE 47191
4 sites
Size
€10.6mturnover 2025
- Staff
- 31.7 FTE
- Equity
- €9.0m
- Profit
- €166,215
Structure
- Parent
- BG RETAIL · 100%
Accounts filed 40 d late0 of 18 deeds read
Why 69- 1 change of registered office in 24 months- Liquidity: current ratio 5.91, cash €48,430- Latest accounts 40 days late; 1 of the last 3 late+ Founded in 1981Show the evidence
Checked score
Score 2025
69
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 52% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
100=
equity 83.9% of total assets
Liquidity
47=
short-term debt 16.1% · cash 0.5%
Profitability
30-25
return on assets 1.5%
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 5 months
06-2026: 0.6%
07-2026: 0.6%▼ -0.3% vs 06-2026lowest value
08-2026: 0.9%▲ +58.2% vs 07-2026
09-2026: 1.3%▲ +36.4% vs 08-2026highest value
10-2026: 0.7%▼ -42.0% vs 09-2026
- 1 change of registered office in 24 months raises the probability
- Liquidity: current ratio 5.91, cash €48,430 raises the probability
- Latest accounts 40 days late; 1 of the last 3 late raises the probability
- Founded in 1981 lowers the probability for this profile
Credit up to €600,000 at 30 days acceptable
Liquidity ample (current ratio 5.91 against 5.97 in 2024; short-term debt: 16.1% and cash: 0.5% of total assets), and 16.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 95%, liquidity 56%, profitability 16%, growth against the median 43%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 filingsDeviation from the deadline
2025
40 d late
2024
28 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
4 d late
2019
14 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 21 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 (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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · full…
- Annual accounts filedfiscal year 2023 · full…
Key points
By topic
Board & ownership
- Parent
- BG RETAIL · 100%
Timeline
- Events
- 12
- Since
- 2017
- Next accounts
- by 31-07-2027
- 09-09-2026Annual accounts filed
- 28-08-2025Annual accounts filed
- 30-08-2024Annual accounts filed
Company details
- Sites
- 4
- Legal form
- Public limited company
- Activity
- Retail sale of hardware, building materials, paint and…NACE 47521
- Founded
- 06-02-1981
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
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