« Bymc »
Active« 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 €102k and a net result of €412k. Equity is shrinking by ~31.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 19% of 2776 sector peers (fiscal year 2024). 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 health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2776 sector peers (2024).
NBB · sector comparisonPosition among 2776 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
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 →
Financials · fiscal year 2024, full schema
Equity
€102k▼ 27.2%
2023 · €141k
2019: €365k
2020: €641k
2021: €705k
2022: €320k
2023: €141k
2019 → 2024
Net result
€412k▼ 22.4%
2023 · €531k
2019: €359k
2020: €276k
2021: €52k
2022: €74k
2023: €531k
2019 → 2024
Total assets
€559k▼ 19.6%
2023 · €695k
2019: €416k
2020: €717k
2021: €717k
2022: €343k
2023: €695k
2019 → 2024
Solvency
18.3%▼ 1.9pp
2023 · 20.2%
2019: 87.8%
2020: 89.5%
2021: 98.4%
2022: 93.1%
2023: 20.2%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€641k-€705k▲ 10.0%€320k▼ 54.7%€141k▼ 56.0%€102k▼ 27.2%
Operating result€360k-€82k▼ 77.3%€87k▲ 6.3%€751k▲ 766%€542k▼ 27.8%
Net result€276k-€52k▼ 81.3%€74k▲ 44.0%€531k▲ 613%€412k▼ 22.4%
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 €559k
Fixed assets
€38k▲ 117%
Current assets
€521k▼ 23.2%
Equity and liabilities €559k
Equity
€102k▼ 27.2%
Debt
€456k▼ 17.7%
The debt ratio rises from 79.8% to 81.7%. Equity and debt are lower.
Key figures and ratios
Solvency
18.3%▼
2023 · 20.2%
ROE
401.8%▲
2023 · 377.2%
ROA
73.7%▼
2023 · 76.3%
Debt
€456k▼
2023 · €554k
Debt ≤ 1 year
€456k▼
2023 · €554k
Income taxes
€131k▼
2023 · €171k
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€695k€559k▼
Fixed assets21/28€17k€38k▲
Tangible fixed assets22/27€17k€38k▲
Furniture and vehicles24€13k€34k▲
Other tangible fixed assets26€5k€4k▼
Current assets29/58€678k€521k▼
Amounts receivable within one year40/41€571k€449k▼
Trade receivables40€543k€426k▼
Other amounts receivable41€28k€23k▼
Cash at bank and in hand54/58€105k€72k▼
Deferred charges and accrued income490/1€852€35▼
Equity and liabilities
Total equity and liabilities10/49€695k€559k▼
Equity10/15€141k€102k▼
Contributions10/11€19k€19k=
Reserves13€122k€84k▼
Tax-exempt reserves132€21k-
Distributable reserves133€101k€84k▼
Amounts payable17/49€554k€456k▼
Amounts payable within one year42/48€554k€456k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€550k€450k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€285€583▲
Gross operating margin9900€760k€552k▼
Operating profit (loss)9901€751k€542k▼
Financial income75/76B€2k€317▼
Recurring financial income75€2k€317▼
Financial charges65/66B€52k€135▼
Recurring financial charges65€52k€135▼
Profit (loss) for the period before taxes9903€701k€542k▼
Income taxes67/77€171k€131k▼
Profit (loss) for the period9904€531k€412k▼
Transfer from tax-exempt reserves789€261k€21k▼
Profit (loss) for the period to be appropriated9905€792k€433k▼
Appropriation of the result
Profit (loss) to be appropriated9906€810k€433k▼
Profit (loss) brought forward from the previous period14P€19k-
Transfer from equity791/2€160k€38k▼
Transfer to equity691/2€261k€21k▼
To other reserves6921€261k€21k▼
Profit to be distributed694/7€709k€450k▼
Return on contributions (dividend)694€709k€450k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
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 €531k ▲613%
Operating result €751k, net result €531k, 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 €52k ▼81.3%
Net result drops to €52k, 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 €75k to €11k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500kEq €641k ▲75.5%
2 profitable years in a row build equity to €641k.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Woluwe · 1 establishment unit since 2018
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.
Xavier Henrardlaan 351150 Sint-Pieters-WoluweGround 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
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900C8I07QXSXPAS25
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ELMAJU
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.