Active BE 0845.048.459Private limited company (pre-2019)Open bankruptcy

BVM Natuursteen

· 14 yrs active

Sector: Plaatsen van vloer- en wandtegels (43331)

Conclusion Checked

A bankruptcy procedure is open for BVM Natuursteen according to publications in the Belgian State Gazette. The 2023 annual accounts show equity of €19k and a net result of €-153k.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€19k
Net result	€-153k
Better than sector	14%
Active	14 yrs

Financial profile 5 of 5 axes measured · computed by Checked

10 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 0

Solvency 18

Growth 32

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

50 / 100

High riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Components

· Open bankruptcy (+50)

Trust signals 2 signals

Register: open bankruptcy

The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags0 events

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.

Health barometer FY 2023 · computed

0 / 100 Critical

050100

Computed from 5 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 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 23-08-2024 with the NBB · fiscal year 2023 · micro

Operating resultNet result

Sector comparison

Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	8.0%	38.6%	better than 14% of 9179 sector peers
Net result	€-153k	€12k	better than 5% of 9164 sector peers
Equity	€19k	€30k	better than 36% of 9186 sector peers
Gross operating margin	€-135k	€33k	better than 5% of 9153 sector peers
Total assets	€235k	€90k	better than 82% of 9180 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€-138k

- 18-23

Net profit

€-153k

- 18-23

Cash flow

€-145k

- 18-23

Total assets

€235k

-17.7% 18-23

Equity

€19k

-89.1% 18-23

Working capital

€13k

-91.8% 18-23

Income taxes

€258

-93.3% 18-23

Debt

€216k

+90.1% 18-23

Show 9 other metrics

Debt ≤ 1y

€198k

+88.4% 18-23

Debt > 1y

€143k

-31.0% 18-23

Current ratio

1.06

-57.1% 18-23

Quick ratio

0.96

-57.7% 18-23

Solvency

8.0%

-86.7% 18-23

Debt / equity

11.50

+1637.6% 18-23

ROE

-813.9%

- 18-23

ROA

-65.1%

- 18-23

Interest coverage

-20.90

- 18-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	€-138k
Net profit	€-153k
Cash flow	€-145k
Staff costs	-
Income taxes	€258
Dividends	-
Total assets	€235k
Equity	€19k
Debt	€216k
of which ≤ 1y	€198k
of which > 1y	-
Working capital	€13k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	1.06
Quick ratio	0.96
Working capital ratio	5.4%
Solvency	8.0%
Debt / equity	11.50
Long-term debt ratio	-
Interest coverage	-20.90
Gross margin	-
Net margin	-
ROA	-65.1%
ROE	-813.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €24k · 10.3% Current assets €211k · 89.8%

Equity & liabilities

Equity €19k · 8.0% Debt €216k · 92.0%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€235k
Fixed assets	21/28	€24k
Tangible fixed assets	22/27	€24k
Current assets	29/58	€211k
Stocks & contracts in progress	3	€20k
Amounts receivable within one year	40/41	€143k
Cash & bank	54/58	€7k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€235k
Equity	10/15	€19k
Contributions / capital	10/11	€12k
Reserves	13	€157k
Accumulated profits (losses)	14	€-151k
Amounts payable	17/49	€216k
Amounts payable within one year	42/48	€198k
Trade debts payable within one year	44	€91k
Income statement
Gross operating margin	9900	€-135k
Operating result	9901	€-146k
Financial charges	65	€7k
Result before taxes	9903	€-153k
Income taxes	67/77	€258
Net result for the period	9904	€-153k
Result to be appropriated	9905	€-153k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	MARIE-LAURE DE SMEDT ROOMSTRAAT 40, 9160 LOKEREN	25-06-2025 → present	Belgian State Gazette

Legal Structure

NACE primary	Plaatsen van vloer- en wandtegels(43331)
Legal form	Private limited company (pre-2019)(015)
Incorporation	05-04-2012
Status	Active
Postal code	-
First BS signal	02-07-2025
Latest BS signal	02-07-2025

Establishment units 1 location

Establishment

Houwen, bewerken en afwerken van natuursteen

since 20122.208.983.473

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels 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 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46025B0728/00A000	Flanders	1,039 m²	1 · 129 m²	9.3 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

02-07-2025

Bankruptcy Opening

Ondernemingsrechtbank Gent, afdeling Dendermonde · BVM NATUURSTEEN BV KLEINE DWEERSSTRAAT 18, 9140 TEMSE · event 25-06-2025

2024

23-08-2024