« Bymc »
ActiveSummary
« Bymc » is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €102,475 and a net result of €411,785. Equity is shrinking by ~31.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 02-06-2026, 59 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
59 d early
2024
29 d early
2023
21 d early
2022
76 d early
2021
5 d late
2020
31 d early
2019
37 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 35 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 2 July (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema
Equity
€102,475▼ 27.2%
2023 · €140,690
Net result
€411,785▼ 22.4%
2023 · €530,626
Total assets
€558,541▼ 19.6%
2023 · €695,059
Solvency
18.3%▼ 1.9pp
2023 · 20.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€360,010▼ 24.1%€81,583▼ 77.3%€86,711▲ 6.3%€751,081▲ 766%€542,103▼ 27.8%
Net result€275,864within the sector's middle half▼ 23.2%€51,673within the sector's middle half▼ 81.3%€74,413within the sector's middle half▲ 44.0%€530,626within the sector's middle half▲ 613%€411,785within the sector's middle half▼ 22.4%
Equity€641,320within the sector's middle half▲ 75.5%€705,393within the sector's middle half▲ 10.0%€319,512below the sector's middle half▼ 54.7%€140,690below the sector's middle half▼ 56.0%€102,475below the sector's middle half▼ 27.2%
Total assets€716,580below the sector's middle half▲ 72.1%€716,862below the sector's middle half=€343,046below the sector's middle half▼ 52.1%€695,059below the sector's middle half▲ 103%€558,541below the sector's middle half▼ 19.6%
Debt€75,260▲ 47.6%€11,469▼ 84.8%€23,534▲ 105%€554,369▲ 2,256%€456,065▼ 17.7%
Working capital€611,390within the sector's middle half▲ 69.7%€603,026within the sector's middle half▼ 1.4%€293,826within the sector's middle half▼ 51.3%€123,227within the sector's middle half▼ 58.1%€64,528within the sector's middle half▼ 47.6%
Solvency89.5%above the sector's middle half▲ 1.7pp98.4%above the sector's middle half▲ 8.9pp93.1%above the sector's middle half▼ 5.3pp20.2%below the sector's middle half▼ 72.9pp18.3%below the sector's middle half▼ 1.9pp
Current ratio9.12above the sector's middle half▲ 1.0653.58above the sector's middle half▲ 44.4513.49above the sector's middle half▼ 40.091.22within the sector's middle half▼ 12.261.14within the sector's middle half▼ 0.08
Return on assets (ROA)38.5%above the sector's middle half▼ 47.8pp7.2%within the sector's middle half▼ 31.3pp21.7%above the sector's middle half▲ 14.5pp76.3%above the sector's middle half▲ 54.7pp73.7%above the sector's middle half▼ 2.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 28% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €558,541
Fixed assets
€37,947 ▲ 117%
Current assets
€520,593 ▼ 23.2%
Equity and liabilities €558,541
Equity
€102,475 ▼ 27.2%
Debt
€456,065 ▼ 17.7%
Debt's share of the balance-sheet total rises from 79.8% to 81.7%. Equity and debt are lower.
Key figures and ratios
ROE
401.8%▲
2023 · 377.2%
Debt ≤ 1 year
€456,065▼
2023 · €554,369
Income taxes
€130,500▼
2023 · €170,770
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,992 | €6,261 | €7,917 | €8,224 | €9,217 | ▲ 12.1% |
| Other operating charges640/8 | - | €249 | €271 | €285 | €583 | ▲ 104% |
| Gross operating margin9900 | €364,064 | €88,093 | €94,900 | €759,590 | €551,903 | ▼ 27.3% |
| Operating profit (loss)9901 | €360,010 | €81,583 | €86,711 | €751,081 | €542,103 | ▼ 27.8% |
| Financial income75/76B | - | €3,751 | €8,878 | €2,397 | €317 | ▼ 86.8% |
| Recurring financial income75 | - | €3,751 | €8,878 | €2,397 | €317 | ▼ 86.8% |
| Financial charges65/66B | - | €335 | €177 | €52,081 | €135 | ▼ 99.7% |
| Recurring financial charges65 | €147 | €335 | €177 | €52,081 | €135 | ▼ 99.7% |
| Profit (loss) for the period before taxes9903 | €359,864 | €84,999 | €95,413 | €701,397 | €542,285 | ▼ 22.7% |
| Income taxes67/77 | €84,000 | €33,326 | €20,999 | €170,770 | €130,500 | ▼ 23.6% |
| Profit (loss) for the period9904 | €275,864 | €51,673 | €74,413 | €530,626 | €411,785 | ▼ 22.4% |
| Transfer from tax-exempt reserves789 | - | - | - | €261,240 | €21,050 | ▼ 91.9% |
| Transfer to tax-exempt reserves689 | - | €21,050 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €174,824 | €30,623 | €74,413 | €791,866 | €432,835 | ▼ 45.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €716,580 | €716,862 | €343,046 | €695,059 | €558,541 | ▼ 19.6% |
| Fixed assets21/28 | €29,931 | €102,367 | €25,686 | €17,463 | €37,947 | ▲ 117% |
| Tangible fixed assets22/27 | €29,931 | €27,367 | €25,686 | €17,463 | €37,947 | ▲ 117% |
| Furniture and vehicles24 | - | €19,960 | €19,553 | €12,604 | €34,361 | ▲ 173% |
| Other tangible fixed assets26 | - | €7,407 | €6,133 | €4,859 | €3,586 | ▼ 26.2% |
| Financial fixed assets28 | - | €75,000 | - | - | - | - |
| Current assets29/58 | €686,649 | €614,496 | €317,359 | €677,596 | €520,593 | ▼ 23.2% |
| Amounts receivable within one year40/41 | €327,232 | €1,154 | €37,567 | €571,419 | €448,794 | ▼ 21.5% |
| Trade receivables40 | - | - | €37,120 | €542,976 | €425,838 | ▼ 21.6% |
| Other amounts receivable41 | - | €1,154 | €447 | €28,444 | €22,955 | ▼ 19.3% |
| Cash at bank and in hand54/58 | €359,417 | €613,341 | €279,792 | €105,325 | €71,765 | ▼ 31.9% |
| Deferred charges and accrued income490/1 | - | - | - | €852 | €35 | ▼ 95.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €716,580 | €716,862 | €343,046 | €695,059 | €558,541 | ▼ 19.6% |
| Equity10/15 | €641,320 | €705,393 | €319,512 | €140,690 | €102,475 | ▼ 27.2% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €261,240 | €282,290 | €282,290 | €122,090 | €83,875 | ▼ 31.3% |
| Tax-exempt reserves132 | - | €282,290 | €282,290 | €21,050 | - | - |
| Distributable reserves133 | - | - | - | €101,040 | €83,875 | ▼ 17.0% |
| Profit (loss) carried forward14 | €373,880 | €404,503 | €18,622 | - | - | - |
| Amounts payable17/49 | €75,260 | €11,469 | €23,534 | €554,369 | €456,065 | ▼ 17.7% |
| Amounts payable within one year42/48 | €75,260 | €11,469 | €23,534 | €554,369 | €456,065 | ▼ 17.7% |
| Trade debts44 | €165 | €1,309 | €1,037 | €1,695 | €1,891 | ▲ 11.5% |
| Suppliers440/4 | - | €1,309 | €1,037 | €1,695 | €1,891 | ▲ 11.5% |
| Taxes, remuneration and social security45 | - | €9,430 | €6,930 | €3,000 | €3,750 | ▲ 25.0% |
| Taxes450/3 | - | €9,430 | €6,930 | €3,000 | €3,750 | ▲ 25.0% |
| Other amounts payable47/48 | - | €731 | €15,567 | €549,673 | €450,424 | ▼ 18.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €275,864 | €51,673 | €74,413 | €530,626 | €411,785 | ▼ 22.4% |
| + Depreciation and write-downs630 | €2,992 | €6,261 | €7,917 | €8,224 | €9,217 | ▲ 12.1% |
| Operating cash flow (approximation) | €278,856 | €57,934 | €82,331 | €538,850 | €421,002 | ▼ 21.9% |
| Investment in fixed assets (approximation) | - | -€78,697 | €68,763 | €0 | -€29,701 | - |
| Change in cash | - | €253,924 | -€333,549 | -€174,468 | -€33,560 | ▲ 80.8% |
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
12-06
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 28-05-2026
- Registered-office move, Avenue Xavier Henrard 35, 1150 Woluwé-Saint-Pierre
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2019net €530,626 ▲613%
Operating result €751,081, net result €530,626, both a record.
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 5 days late
2021
31-12
Financial
Weakest financial yearnet €51,673 ▼81.3%
Net result drops to €51,673, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 53.58
Current ratio from 9.12 to 53.58; short-term debt falls from €75,260 to €11,469.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500,000Eq €641,320 ▲75.5%
2 profitable years in a row build equity to €641,320.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Pieters-Woluwe · 1 establishment unit since 2018
Ground area
717 m²
Building footprint
136 m²
Volume, LiDAR
1,183 m³
Parcel 21684B0038/00X020, Brussels · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bymc
since 20182.280.745.954
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0038/00X020 | Brussels | 717 m² | 1 · 136 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900C8I07QXSXPAS25
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 12,378 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
Founded09-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0707958557
Also
9925:BE0707958557
Registered
17-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.