ByCM Management
ActiveByCM Management has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €17k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 35% of 1638 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency50▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.37 in 2024; short-term debt: 74.5% and cash: 1.6% of total assets), and 74.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.5%
Return on assets
26.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 7 filingsDeviation from the deadline
2025
7 d late
2024
27 d late
2023
27 d late
2022
29 d late
2021
23 d late
2020
20 d late
2019
38 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€16k=
2024 · €16k
2019: €9k
2020: €11k
2021: €19k
2022: €16k
2023: €16k
2024: €16k
2019 → 2025
Total assets
€65k▲ 6.6%
2024 · €61k
2019: €17k
2020: €36k
2021: €40k
2022: €54k
2023: €32k
2024: €61k
2019 → 2025
Net result
€17k▼ 6.5%
2024 · €18k
2019: €-1k
2020: €11k
2021: €7k
2022: €-2k
2023: €5k
2024: €18k
2019 → 2025
Working capital
€15k▼ 7.6%
2024 · €16k
2019: €7k
2020: €11k
2021: €-2k
2022: €7k
2023: €16k
2024: €16k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€16k▼ 11.3%€16k=€16k=€16k=
Operating result€10k-€7▼ 99.9%€11k▲ 159,387%€30k▲ 176%€28k▼ 4.5%
Net result€7k-€-2k€5k€18k▲ 267%€17k▼ 6.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€1k
Current assets
€63k
Equity and liabilities €65k
Equity
€16k=
Debt
€48k▲ 9.0%
The debt ratio rises from 72.8% to 74.5%. Debt is higher.
Key figures and ratios
EBITDA
€28k▼
2024 · €30k
Cash flow
€17k▼
2024 · €18k
Solvency
25.5%▼
2024 · 27.2%
Current ratio
1.32▼
2024 · 1.37
Quick ratio
1.32▼
2024 · 1.37
Debt / equity
2.92▲
2024 · 2.68
ROE
103.2%▼
2024 · 110.3%
ROA
26.3%▼
2024 · 30.0%
Interest coverage
10.72▼
2024 · 11.05
Debt
€48k▲
2024 · €44k
Debt ≤ 1 year
€48k▲
2024 · €44k
Income taxes
€8k▼
2024 · €9k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€61k€65k▲
Fixed assets21/28€0€1k▲
Tangible fixed assets22/27€0€1k▲
Land and buildings22-€859
Furniture and vehicles24€0€386▲
Current assets29/58€61k€63k▲
Amounts receivable within one year40/41€59k€61k▲
Trade receivables40€30k€20k▼
Other amounts receivable41€29k€41k▲
Cash at bank and in hand54/58€1k€1k▼
Deferred charges and accrued income490/1€609€848▲
Equity and liabilities
Total equity and liabilities10/49€61k€65k▲
Equity10/15€16k€16k=
Contributions10/11€2k€2k=
Outside capital11€2k€2k=
Other1109/19€2k€2k=
Profit (loss) carried forward14€14k€14k=
Amounts payable17/49€44k€48k▲
Amounts payable within one year42/48€44k€48k▲
Financial debts43-€9k
Credit institutions430/8-€9k
Trade debts44€20k€4k▼
Suppliers440/4€20k€4k▼
Taxes, remuneration and social security45€24k€36k▲
Taxes450/3€24k€36k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€334€154▼
Other operating charges640/8€913€981▲
Gross operating margin9900€31k€29k▼
Operating profit (loss)9901€30k€28k▼
Financial income75/76B-€81
Recurring financial income75-€81
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▼
Non-recurring financial charges66B-€680
Profit (loss) for the period before taxes9903€27k€25k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€18k€17k▼
Profit (loss) for the period to be appropriated9905€18k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€31k▼
Profit (loss) brought forward from the previous period14P€14k€14k=
Profit to be distributed694/7€18k€17k▼
Return on contributions (dividend)694€18k€17k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2019net €18k ▲267%
Operating result €30k, net result €18k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-2k ▼129%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Namur · 1 establishment unit since 2019
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 des Verdiers(EP) 175101 NamurGround area
1,073 m²
Building footprint
109 m²
Volume, LiDAR
620 m³
Parcel 92039B0043/00H002, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ByCM Management
since 20192.291.462.573
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039B0043/00H002 | Wallonia | 1,073 m² | 1 · 109 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 4,444 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.bycmmanagement.com
E-mail:cali@bycmmanagement.com