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Complete company report
Generated 02-09-2026
Active BE 0648.877.837Private limited company (pre-2019)Open bankruptcy

N&M BEHEERMAATSCHAPPIJ

Gasthuisstraat 3 ·3620 Lanaken, Belgium· 10 yrs active
Director-ban signal, available with a subscription
We detected a link to a director ban for this company. The details concern private individuals and are reserved for subscribers.
Conclusion Checked

A bankruptcy procedure is open for N&M BEHEERMAATSCHAPPIJ according to publications in the Belgian State Gazette. The 2020 annual accounts show equity of €72k and a net result of €-29k.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €72k
Net result €-29k
Staff (FTE) 0.2
Active 10 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health0Profitability0Solvency100Growth32Stability0
26 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0
Profitability 0
Solvency 100
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 2020 · computed
0 / 100 Critical
050100
Computed from 4 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 2020 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 08-06-2021 with the NBB · fiscal year 2020 · micro
€-40k€-20k€0€20k€40kOperating result 2018: €37k€37kNet result 2018: €27k€27kOperating result 2019: €-380€-380Net result 2019: €-2k€-2kOperating result 2020: €-26k€-26kNet result 2020: €-29k€-29k201820192020
Operating resultNet result
EBITDA
€47k
- 18-20
Net profit
€-29k
-1415.7% 18-20
Cash flow
€37k
- 18-20
Total assets
€145k
-15.8% 18-20
Equity
€72k
-28.6% 18-20
Working capital
€73k
- 18-20
Employees (FTE)
0
- 18-20
Income taxes
€195
-75.4% 18-20
Show 9 other metrics
Debt
€73k
+2.4% 18-20
Debt ≤ 1y
€71k
+2.5% 18-20
Debt > 1y
€8k
- 18-20
Current ratio
2.03
+1093.8% 18-20
Quick ratio
2.03
+1093.8% 18-20
Solvency
49.7%
-15.2% 18-20
Debt / equity
0.08
- 18-20
ROE
-40.0%
-2021.9% 18-20
ROA
-19.9%
-1699.1% 18-20
Figures by fiscal year
Fiscal year2020
Depositmicro
Revenue-
EBITDA-
Net profit€-29k
Cash flow-
Staff costs-
Income taxes€195
Dividends-
Total assets€145k
Equity€72k
Debt€73k
of which ≤ 1y€71k
of which > 1y-
Working capital€73k
Employees (FTE)0.2
Ratios (computed)
2020
Current ratio2.03
Quick ratio2.03
Working capital ratio50.7%
Solvency49.7%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-19.9%
ROE-40.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2020
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2020
Balance sheet, Assets
TOTAL ASSETS 20/58€145k
Fixed assets 21/28€0
Financial fixed assets 28€0
Current assets 29/58€145k
Amounts receivable within one year 40/41€62k
Cash & bank 54/58€83k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€145k
Equity 10/15€72k
Reserves 13€53k
Amounts payable 17/49€73k
Amounts payable within one year 42/48€71k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€-15k
Operating result 9901€-26k
Financial charges 65€2k
Result before taxes 9903€-29k
Income taxes 67/77€195
Net result for the period 9904€-29k
Result to be appropriated 9905€-29k
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates3 persons
Role Name Tenure Source
Curator FELIX RUYSSCHAERT
PIEPELPOEL 13, 3700 TONGEREN-BORGLOON
 27-02-2025 → present Belgian State Gazette
Curator MARK BERNAERTS
PIEPELPOEL 13, 3700 TONGEREN- BORGLOON
 27-02-2025 → present Belgian State Gazette
Curator STEFANIE GROSEMANS
PIEPELPOEL 13, 3700 TONGEREN-BORGLOON-
 27-02-2025 → present Belgian State Gazette
Legal Structure
NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation22-02-2016
StatusActive
Postal code3620
First insolvency signal 05-03-2025
Latest insolvency signal 05-03-2025
Establishment units 1 location
N&M Beheermaatschappij
Holdings
since 20162.250.797.304
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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73064A0284/00F000 Flanders 2,981 m² 1 · 175 m² 8.2 m · 2 fl.
73042C0030/00M000 Flanders 227 m² 1 · 118 m² 14.7 m · 4 fl.
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.
Updates 6 events

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

2025
05-03-2025
Bankruptcy Opening
Ondernemingsrechtbank Antwerpen, afdeling Hasselt · N&M BEHEERMAATSCHAPPIJ BV GASTHUISSTRAAT 3/2.1, 3620 LANAKEN · event 27-02-2025
2022
26-09-2022
State Gazette act Registered-office change
2021
08-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
25-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
28-06-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
22-06-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
Lifecycle & Insolvency Signals1 events
05-03-2025
Bankruptcy Opening
Date: 27-02-2025 · Ondernemingsrechtbank Antwerpen, afdeling Hasselt · N&M BEHEERMAATSCHAPPIJ BV GASTHUISSTRAAT 3/2.1, 3620 LANAKEN · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-03-05 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Address history · 1
26-09-2022
Registered-office move
All acts · 1 updated 3 years ago
2022
26-09-2022 Registered office moved within Lanaken Registered-office change
  • Kleine Omstraat 14 Bus 3 te 3620 Lanaken → 3620 Lanaken, Gasthuisstraat 3 Bus 2.1
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "3620 Lanaken, Gasthuisstraat 3 Bus 2.1",
        "city": "Lanaken",
        "region": "vlaams_gewest",
        "street": "Gasthuisstraat",
        "country": "BE",
        "postcode": "3620",
        "box_number": "2.1",
        "street_number": "3",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Kleine Omstraat 14 Bus 3 te 3620 Lanaken",
        "city": "Lanaken",
        "region": "vlaams_gewest",
        "street": "Kleine Omstraat",
        "country": "BE",
        "postcode": "3620",
        "box_number": "3",
        "street_number": "14",
        "locality_suffix": null
      },
      "effective_date": "2022-08-25",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-09-26",
    "filing_date": "2022-09-14",
    "act_kind_objet": "Zetelverplaatsing"
  },
  "decision": {
    "body": "enige_bestuurder",
    "date": "2022-08-25",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0648.877.837",
    "name_full": "N\u0026M BEHEERMAATSCHAPPIJ",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Noah van der Meer",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL N&M BEHEERMAATSCHAPPIJ
Registered office
Gasthuisstraat 3 bus 2.1
3620 Lanaken, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative