Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BSM CARS is 8.6% (elevated). The 2022 annual accounts show negative equity (€-8k) and a net result of €-8k. Its solvency ranks better than 5% of 4415 sector peers (fiscal year 2022). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone8.6%
Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile
+Young company
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2023 was due at the National Bank by 31-07-2024. Nothing is on record today, 747 days later. 3 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 12-12-2023, 134 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2022, that is 31-07-2023.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | nothing on record | not filed | - |
| 31-12-2022 | 31-07-2023 | 12-12-2023 | 134 d late | 2023-00528267 |
| 31-12-2021 | 31-07-2022 | 26-09-2022 | 57 d late | 2022-20437421 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Turnover€76k
EBIT margin-11.0%
Net result€-8k-707.8%
Working capital€-8k-707.8%
Annual accounts & ratios
Source: NBB · 2022Annual accounts filed on 12-12-2023 with the NBB · fiscal year 2022 · micro
Sector comparison
Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -685.9% | 19.8% | |
| Net result | €-8k | €2k | |
| Equity | €-8k | €14k | |
| Gross operating margin | €-8k | €19k | |
| Total assets | €1k | €88k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€76k
-
21-22
€-8k
-707.8%
21-22
€1k
-75.2%
21-22
€-8k
-707.8%
21-22
€-8k
-707.8%
21-22
€10k
+61.2%
21-22
€10k
+61.2%
21-22
0.13
-84.6%
21-22
Show 6 other metrics
0.13
-53.1%
21-22
-685.9%
-3151.6%
21-22
-1.15
+80.0%
21-22
100.0%
0.0%
21-22
-685.9%
-3151.6%
21-22
-11.0%
-
21-22
Figures by fiscal year
| Fiscal year | 2022 |
|---|---|
| Deposit | micro |
| Revenue | €76k |
| EBITDA | - |
| Net profit | €-8k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €1k |
| Equity | €-8k |
| Debt | €10k |
| of which ≤ 1y | €10k |
| of which > 1y | - |
| Working capital | €-8k |
| Employees (FTE) | - |
Ratios (computed)
| 2022 | |
|---|---|
| Current ratio | 0.13 |
| Quick ratio | 0.13 |
| Working capital ratio | -685.9% |
| Solvency | -685.9% |
| Debt / equity | -1.15 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | -11.0% |
| Net margin | -11.0% |
| ROA | -685.9% |
| ROE | 100.0% |
| EBITDA margin | - |
| Days sales outstanding | 0d |
| Days payable outstanding | 3d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1k |
| Current assets | 29/58 | €1k |
| Amounts receivable within one year | 40/41 | €24 |
| Cash & bank | 54/58 | €1k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1k |
| Equity | 10/15 | €-8k |
| Accumulated profits (losses) | 14 | €-8k |
| Amounts payable | 17/49 | €10k |
| Amounts payable within one year | 42/48 | €10k |
| Trade debts payable within one year | 44 | €741 |
| Income statement | ||
| Turnover | 70 | €76k |
| Gross operating margin | 9900 | €-8k |
| Operating result | 9901 | €-8k |
| Financial charges | 65 | €13 |
| Result before taxes | 9903 | €-8k |
| Net result for the period | 9904 | €-8k |
| Result to be appropriated | 9905 | €-8k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2022 · computed17
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.
Directors
Directors & mandates
4 directors5 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Current25-03-2026 → present
Former directors (3)
-
Former01-10-2025 → 25-03-2026
2 events
- 25-03-2026 Resigned· Director
- 01-10-2025 Appointed· Director
-
Former01-04-2024 → 30-09-2025
2 events
- 30-09-2025 Resigned· Director
- 01-04-2024 Appointed· Director
-
Former- → 31-03-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)(47811) |
| Legal form | Private limited company(610) |
| Incorporation | 19-03-2021 |
| Status | Active |
| Postal code | 1780 |
Structure & network
Connections & network
62 connected companiesNetwork connections
Shared address
→
Shared address
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Shared address
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Shared address
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Show 2 more network connections
Shared address
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Shared address
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56 further connected companies in this network. Available in Kantoor S.
See plans →
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationPapenhoutlaan 64, 1020 Brussel
since 20212.316.183.222
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area473 m²
Buildings2
Building footprint246 m²
Volume (LiDAR)2,946 m³
Tallest building16.6 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21818E0200/00H010 | Brussels | 325 m² | 1 · 102 m² | 16.6 m · 5 fl. |
| 22662B0387/00R004 | Flanders | 147 m² | 1 · 144 m² | 14.9 m · 4 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts Capital history · 2
29-12-2025
v3.2
03-10-2022
v3.2
Address history · 1
17-04-2026
Seat change: to: Lt. Graffplein 15, 1780 Wemmel, date: 2026-03-25, from: Koningin Astridlaan 49, 1780 Wemmel
All acts · 5
updated 4 months ago
2026
17-04-2026 Act object · General meeting · Share transfer · Share distribution
- Filing: 2026-04-11 · BSM CARS
- Publication: 2026-04-17 · BSM CARS
- Act object: MAATSCHAPPELIJKE ZETEL - KAPITAAL-AANDELEN - ONTSLAGEN- BENOEMINGEN · BSM CARS
- General meeting: 2026-03-25 · BSM CARS
- Share transfer: date: 2026-03-25, shares: 100 · Zemmouri, Karim
- Share distribution: date: 2026-03-25, percentage: 100 · BSM CARS
- Seat change: to: Lt. Graffplein 15, 1780 Wemmel, date: 2026-03-25, from: Koningin Astridlaan 49, 1780 Wemmel · BSM CARS
- Officer appointment: date: 2026-03-25, role: bestuurder · Hornea, Maria
- Officer resignation: date: 2026-03-25, role: bestuurder · Zemmouri, Karim
Summary:
Act object · General meeting · Share transfer · Share distribution
2025
29-12-2025 Transaction in capital or shares
Summary:
v3.2
2024
12-04-2024 1 director appointed, 1 resigning
2022
03-10-2022 Transaction in capital or shares
Summary:
v3.2
2021
23-03-2021 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured45
/ 100
Mixed profile: strong on stability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
17
Profitability
50
Solvency
33
Growth
32
Stability
94
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 1019.289.559 · Wemmel
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BE 0805.171.363 · Wemmel
BE 0770.488.915 · Wemmel
BE 0776.452.138 · Wemmel
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 1,125 of the 10,652 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Groothandel in auto's en lichte bestelwagens (= 3,5 ton)45111Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Detailhandel in andere motorvoertuigen (> 3,5 ton)45193Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Handelsbemiddeling en groothandel in onderdelen en accessoires van motorvoertuigen45310Handelsbemiddeling in de groothandel in andere specifieke goederen46180Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Groothandel in delen en toebehoren van motorvoertuigen46720Detailhandel in andere motorvoertuigen (> 3,5 ton)47812Technische controle van motorvoertuigen71201Technische controle van motorvoertuigen71201Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311
Primary activity highlighted.
Names & trade names
| Legal nameNL | BSM CARS |
Registered office
Lt. Graffplein 15
1780 Wemmel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.