BSMAND
ActiveBSMAND has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €21k and a net result of €7k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 60% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability68▲+15
Solvency69▼-2
Growth70▲+24
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.75 in 2023; short-term debt: 55.9% and cash: 19.8% of total assets), but 55.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
higher
← 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 2024Solvency, return and age of the figures
Solvency
44.1%
Return on assets
14.2%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €21k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
21 d late
2023
54 d late
2022
32 d late
2021
68 d late
2020
22 d late
2019
22 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€312k▲ 66.2%
2023 · €188k
2018: €218k
2019: €102k
2020: €54k
2022: €59k
2023: €188k
2018 → 2024
EBIT margin
2.3%▲ 1.1pp
2023 · 1.2%
2018: 0.9%
2019: 2.0%
2020: 23.0%
2022: -28.6%
2023: 1.2%
2018 → 2024
Net result
€7k▲ 246%
2023 · €2k
2018: €293
2019: €259
2020: €11k
2021: €-66
2022: €-18k
2023: €2k
2018 → 2024
Working capital
€18k▲ 35.8%
2023 · €13k
2018: €17k
2019: €17k
2020: €29k
2021: €28k
2022: €11k
2023: €13k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€54k-€59k€188k▲ 218%€312k▲ 66.2%
Equity€30k-€30k▼ 0.2%€12k▼ 58.4%€14k▲ 15.9%€21k▲ 47.5%
Operating result€12k-€234▼ 98.1%€-17k€2k€7k▲ 225%
Net result€11k-€-66€-18k▼ 26,552%€2k€7k▲ 246%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 225% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €48k
Fixed assets
€4k▲ 149%
Current assets
€45k▲ 47.6%
Equity and liabilities €48k
Equity
€21k▲ 47.5%
Debt
€27k▲ 56.6%
The debt ratio rises from 54.4% to 55.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k
Cash flow
€7k
Solvency
44.1%▼
2023 · 45.6%
Current ratio
1.65▼
2023 · 1.75
Quick ratio
0.80▼
2023 · 0.92
Debt / equity
1.27▲
2023 · 1.19
ROE
32.2%▲
2023 · 13.7%
ROA
14.2%▲
2023 · 6.3%
Interest coverage
21.20
Debt
€27k▲
2023 · €17k
Debt ≤ 1 year
€27k▲
2023 · €17k
Staff costs
€8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€32k€48k▲
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Financial fixed assets28€2k€2k=
Current assets29/58€30k€45k▲
Stocks and contracts in progress3€14k€23k▲
Stocks30/36€14k€23k▲
Amounts receivable within one year40/41€16k€12k▼
Trade receivables40€10k€6k▼
Other amounts receivable41€5k€5k=
Cash at bank and in hand54/58€158€10k▲
Equity and liabilities
Total equity and liabilities10/49€32k€48k▲
Equity10/15€14k€21k▲
Contributions10/11€19k€19k=
Reserves13€571€571=
Non-distributable reserves130/1€571€571=
Reserves not available under the articles1311€571€571=
Profit (loss) carried forward14€-5k€2k▲
Amounts payable17/49€17k€27k▲
Amounts payable within one year42/48€17k€27k▲
Financial debts43€320-
Credit institutions430/8€320-
Trade debts44€12k€7k▼
Suppliers440/4€12k€7k▼
Taxes, remuneration and social security45€227€20k▲
Taxes450/3€227€2k▲
Remuneration and social security454/9-€18k
Other amounts payable47/48€5k-
Income statement
Code20232024
Turnover70€188k€312k▲
Goods, raw materials, services and sundry goods60/61€180k€295k▲
Remuneration, social security and pensions62-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€233
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€8k€19k▲
Operating profit (loss)9901€2k€7k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€238€351▲
Recurring financial charges65€238€351▲
Profit (loss) for the period before taxes9903€2k€7k▲
Profit (loss) for the period9904€2k€7k▲
Profit (loss) for the period to be appropriated9905€2k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€2k▲
Profit (loss) brought forward from the previous period14P€-7k€-5k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 68 days late
2021
22-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 22 days late
2020
31-12
Financial
Highest result since 2018net €11k ▲4175%
Operating result €12k, net result €11k, both a record.
31-12
Financial
Liquidity times 47current ratio 215.19
Current ratio from 4.54 to 215.19; short-term debt falls from €5k to €133.
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 22 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2023
YAQOOB Kashif: Resigned as Manager
01-07-2020
BUTB Babar Ali: Resigned as Managing director
Location & real-estate footprint
Registered office, Mons · 2 establishment units since 2016
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.
Rue de Mons (G.) 117011 MonsGround area
547 m²
Building footprint
152 m²
Volume, LiDAR
1,351 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue de Nimy 100, 7000 Mons
since 20162.255.412.029
BSMAND MONS
since 20242.362.910.991
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53030C0348/00L005 | Wallonia | 420 m² | 1 · 100 m² | 10.6 m · 3 fl. |
| 53403G0023/00C000 | Wallonia | 128 m² | 1 · 52 m² | 10.1 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesMons2.255.412.029
Mons2.362.910.991
Similar companies · same sector, comparable size
Rêve de Chocolat
BE 0804.008.155
Aarschot · Eq €21k
CHOCOPOLIS BELGIUM
BE 0816.965.474
Dilbeek · Eq €22k
VCreations
BE 0826.086.642
Turnhout · Eq €21k
Mar&Co
BE 0743.928.731
Landen · Eq €22k
SEVEN ELEVEN NIGHT
BE 0679.703.843
Anderlecht · Eq €20k
Of 899 companies in sector 47242 we hold annual accounts for 339. 269 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2016
Fiscal year end31-12
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
47260Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.