BPLM
ActiveSummary
The computed 12-month bankruptcy probability of BPLM is 2.7% (moderate). The 2025 annual accounts show negative equity (€-16k) and a net result of €-768. Equity is shrinking by ~48.6% per year across the filed fiscal years. Its solvency ranks better than 19% of 18400 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability38▲+8
Solvency15▼-1
Growth58=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.51 against 0.43 in 2024; short-term debt: 65.9% and cash: 17.1% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
-9.9%
Return on assets
-0.5%
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
2122232425
2021 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 24-07-2026, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
7 d early
2024
1 d late
2023
16 d late
2022
30 d late
2021
26 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-768▲ 87.9%
2024 · €-6k
2021: €-21klowest in 5 years
2022: €-18k▲ +12.3% vs 2021
2023: €-2k▲ +91.1% vs 2022
2024: €-6k▼ -297% vs 2023
2025: €-768▲ +87.9% vs 2024highest in 5 years
2021 → 2025
Working capital
€-52k▼ 1.1%
2024 · €-52k
2021: €-24khighest in 5 years
2022: €-38k▼ -62.0% vs 2021
2023: €-42k▼ -10.2% vs 2022
2024: €-52k▼ -22.9% vs 2023
2025: €-52k▼ -1.1% vs 2024lowest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€-7k€-9k▼ 21.8%€-15k▼ 70.9%€-16k▼ 5.0%
2021: €11khighest in 5 years
2022: €-7k▼ -169% vs 2021
2023: €-9k▼ -21.8% vs 2022
2024: €-15k▼ -70.9% vs 2023
2025: €-16k▼ -5.0% vs 2024lowest in 5 years
Operating result€-13k-€-12k▲ 7.1%€11k€3k▼ 73.3%€13k▲ 367%
2021: €-13klowest in 5 years
2022: €-12k▲ +7.1% vs 2021
2023: €11k▲ +185% vs 2022
2024: €3k▼ -73.3% vs 2023
2025: €13k▲ +367% vs 2024highest in 5 years
Net result€-21k-€-18k▲ 12.3%€-2k▲ 91.1%€-6k▼ 297%€-768▲ 87.9%
2021: €-21klowest in 5 years
2022: €-18k▲ +12.3% vs 2021
2023: €-2k▲ +91.1% vs 2022
2024: €-6k▼ -297% vs 2023
2025: €-768▲ +87.9% vs 2024highest in 5 years
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 367% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162k
Fixed assets
€108k ▼ 13.2%
Current assets
€55k ▲ 40.8%
Key figures and ratios
EBITDA
€34k▲
2024 · €17k
Cash flow
€20k▲
2024 · €8k
Solvency
-9.9%▼
2024 · -9.4%
Current ratio
0.51▲
2024 · 0.43
Quick ratio
0.42▲
2024 · 0.23
Debt to equity
-11.09▲
2024 · -11.63
ROA
-0.5%▲
2024 · -3.9%
Interest coverage
2.42▲
2024 · 1.90
Debt
€179k▲
2024 · €178k
Debt ≤ 1 year
€107k▲
2024 · €91k
Debt > 1 year
€72k▼
2024 · €88k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€163k€162k▼
Fixed assets21/28€124k€108k▼
Intangible fixed assets21€76k€64k▼
Tangible fixed assets22/27€48k€44k▼
Plant, machinery and equipment23€11k€13k▲
Other tangible fixed assets26€38k€32k▼
Current assets29/58€39k€55k▲
Stocks and contracts in progress3€18k€9k▼
Stocks30/36€18k€9k▼
Amounts receivable within one year40/41€16k€16k▲
Trade receivables40€16k€16k▲
Other amounts receivable41€323€323=
Cash at bank and in hand54/58€5k€28k▲
Deferred charges and accrued income490/1€297€1k▲
Equity and liabilities
Total equity and liabilities10/49€163k€162k▼
Equity10/15€-15k€-16k▼
Contributions10/11€31k€31k=
Profit (loss) carried forward14€-47k€-47k▼
Amounts payable17/49€178k€179k▲
Amounts payable after more than one year17€88k€72k▼
Financial debts170/4€88k€72k▼
Amounts payable within one year42/48€91k€107k▲
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€44k€75k▲
Suppliers440/4€44k€75k▲
Advances received on contracts in progress46€17k€0▼
Taxes, remuneration and social security45€109€2k▲
Taxes450/3€109€2k▲
Other amounts payable47/48€13k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€20k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€25k€41k▲
Operating profit (loss)9901€3k€13k▲
Financial income75/76B€23€6▼
Recurring financial income75€23€6▼
Financial charges65/66B€9k€14k▲
Recurring financial charges65€9k€14k▲
Profit (loss) for the period before taxes9903€-6k€-768▲
Profit (loss) for the period9904€-6k€-768▲
Profit (loss) for the period to be appropriated9905€-6k€-768▲
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€-47k▼
Profit (loss) brought forward from the previous period14P€-40k€-47k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20k | €19k | €19k | €15k | €20k | ▲ 39.5% |
| Other operating charges640/8 | €1k | €7k | €7k | €8k | €8k | ▲ 2.9% |
| Gross operating margin9900 | €7k | €13k | €37k | €25k | €41k | ▲ 65.4% |
| Operating profit (loss)9901 | €-13k | €-12k | €11k | €3k | €13k | ▲ 367% |
| Financial income75/76B | - | - | - | €23 | €6 | ▼ 75.2% |
| Recurring financial income75 | - | - | - | €23 | €6 | ▼ 75.2% |
| Financial charges65/66B | €7k | €6k | €12k | €9k | €14k | ▲ 51.0% |
| Recurring financial charges65 | €7k | €6k | €12k | €9k | €14k | ▲ 51.0% |
| Profit (loss) for the period before taxes9903 | €-21k | €-18k | €-2k | €-6k | €-768 | ▲ 87.9% |
| Profit (loss) for the period9904 | €-21k | €-18k | €-2k | €-6k | €-768 | ▲ 87.9% |
| Profit (loss) for the period to be appropriated9905 | €-21k | €-18k | €-2k | €-6k | €-768 | ▲ 87.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €212k | €200k | €185k | €163k | €162k | ▼ 0.3% |
| Fixed assets21/28 | €167k | €149k | €137k | €124k | €108k | ▼ 13.2% |
| Intangible fixed assets21 | €110k | €98k | €85k | €76k | €64k | ▼ 16.4% |
| Tangible fixed assets22/27 | €57k | €51k | €51k | €48k | €44k | ▼ 8.0% |
| Plant, machinery and equipment23 | €4k | €4k | €9k | €11k | €13k | ▲ 19.6% |
| Other tangible fixed assets26 | €53k | €48k | €42k | €38k | €32k | ▼ 15.8% |
| Current assets29/58 | €45k | €50k | €49k | €39k | €55k | ▲ 40.8% |
| Stocks and contracts in progress3 | €17k | €16k | €27k | €18k | €9k | ▼ 49.4% |
| Stocks30/36 | €17k | €16k | €27k | €18k | €9k | ▼ 49.4% |
| Amounts receivable within one year40/41 | €14k | €8k | €6k | €16k | €16k | ▲ 2.3% |
| Trade receivables40 | €12k | €2k | €6k | €16k | €16k | ▲ 2.4% |
| Other amounts receivable41 | €2k | €6k | €332 | €323 | €323 | = |
| Cash at bank and in hand54/58 | €13k | €26k | €16k | €5k | €28k | ▲ 518% |
| Deferred charges and accrued income490/1 | €262 | €270 | €283 | €297 | €1k | ▲ 381% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €212k | €200k | €185k | €163k | €162k | ▼ 0.3% |
| Equity10/15 | €11k | €-7k | €-9k | €-15k | €-16k | ▼ 5.0% |
| Contributions10/11 | €31k | €31k | €31k | €31k | €31k | = |
| Profit (loss) carried forward14 | €-21k | €-39k | €-40k | €-47k | €-47k | ▼ 1.6% |
| Amounts payable17/49 | €201k | €207k | €194k | €178k | €179k | ▲ 0.1% |
| Amounts payable after more than one year17 | €133k | €118k | €103k | €88k | €72k | ▼ 18.4% |
| Financial debts170/4 | €133k | €118k | €103k | €88k | €72k | ▼ 18.4% |
| Amounts payable within one year42/48 | €68k | €89k | €91k | €91k | €107k | ▲ 18.1% |
| Current portion of amounts payable after more than one year42 | €15k | €16k | €16k | €17k | €17k | ▲ 3.2% |
| Trade debts44 | €53k | €63k | €75k | €44k | €75k | ▲ 70.4% |
| Suppliers440/4 | €53k | €63k | €75k | €44k | €75k | ▲ 70.4% |
| Advances received on contracts in progress46 | - | - | - | €17k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | - | €109 | €2k | ▲ 1,294% |
| Taxes450/3 | - | - | - | €109 | €2k | ▲ 1,294% |
| Other amounts payable47/48 | €230 | €10k | €230 | €13k | €13k | ▲ 3.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-21k | €-18k | €-2k | €-6k | €-768 | ▲ 87.9% |
| + Depreciation and write-downs630 | €20k | €19k | €19k | €15k | €20k | ▲ 39.5% |
| Operating cash flow (approximation) | €-764 | €850 | €18k | €8k | €20k | ▲ 138% |
| Investment in fixed assets (approximation) | - | €-820 | €-6k | €-2k | €-4k | ▼ 77.7% |
| Change in cash | - | €13k | €-11k | €-11k | €23k | ▲ 309% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, La Bruyère · 1 establishment unit since 2020
Ground area
1,373 m²
Building footprint
171 m²
Volume, LiDAR
1,123 m³
2 parcels, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BPLM
since 20202.309.875.945
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92036B0241/00E002 | Wallonia | 1,115 m² | 1 · 107 m² | 9.2 m · 3 fl. |
| 92036B0222/00M000 | Wallonia | 258 m² | 1 · 64 m² | 5.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,265 companies in sector 47300 we hold annual accounts for 948. 405 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
Founded18-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
Scores and ratios are computed by Checked and are not a credit decision.