B M 2 S
ActiveB M 2 S has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.08M and a net result of €38k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 37975 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
81
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability18▼-34
Solvency83▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.2 in 2023), and 30.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2024Solvency, return and age of the figures
Solvency
69.8%
Return on assets
2.5%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-09-2025, 41 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d late
2023
116 d late
2022
88 d late
2021
82 d late
2020
90 d late
2019
124 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€38k▼ 64.8%
2023 · €109k
2018: €66k
2019: €152k
2020: €135k
2021: €175k
2022: €389k
2023: €109k
2018 → 2024
Working capital
€83k▲ 3.5%
2023 · €80k
2018: €-412k
2019: €-290k
2020: €-334k
2021: €-299k
2022: €143k
2023: €80k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€479k-€594k▲ 24.1%€947k▲ 59.4%€1.04M▲ 9.6%€1.08M▲ 3.7%
Operating result€220k-€244k▲ 10.7%€438k▲ 79.8%€123k▼ 72.0%€69k▼ 44.2%
Net result€135k-€175k▲ 30.1%€389k▲ 122%€109k▼ 72.0%€38k▼ 64.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 44% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.54M
Fixed assets
€1.11M▲ 0.7%
Current assets
€435k▼ 9.1%
Equity and liabilities €1.54M
Equity
€1.08M▲ 3.7%
Debt
€466k▼ 13.7%
The debt ratio falls from 34.2% to 30.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€135k▼
2023 · €173k
Cash flow
€105k▼
2023 · €159k
Solvency
69.8%▲
2023 · 65.8%
Current ratio
1.23▲
2023 · 1.20
Quick ratio
1.23▲
2023 · 1.20
Debt / equity
0.43▼
2023 · 0.52
ROE
3.6%▼
2023 · 10.5%
ROA
2.5%▼
2023 · 6.9%
Interest coverage
18.70▼
2023 · 22.56
Debt
€466k▼
2023 · €540k
Debt ≤ 1 year
€352k▼
2023 · €399k
Debt > 1 year
€108k▼
2023 · €136k
Income taxes
€23k▼
2023 · €26k
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€1.58M€1.54M▼
Fixed assets21/28€1.10M€1.11M▲
Tangible fixed assets22/27€947k€955k▲
Land and buildings22€671k€647k▼
Plant, machinery and equipment23€223k€263k▲
Furniture and vehicles24€43k€35k▼
Other tangible fixed assets26€10k€10k=
Financial fixed assets28€152k€152k=
Current assets29/58€478k€435k▼
Amounts receivable within one year40/41€413k€381k▼
Trade receivables40€48k€7k▼
Other amounts receivable41€365k€373k▲
Current investments50/53€13k€3k▼
Cash at bank and in hand54/58€37k€34k▼
Deferred charges and accrued income490/1€15k€17k▲
Equity and liabilities
Total equity and liabilities10/49€1.58M€1.54M▼
Equity10/15€1.04M€1.08M▲
Contributions10/11€6k€6k=
Reserves13€100k€138k▲
Distributable reserves133€100k€138k▲
Profit (loss) carried forward14€931k€931k=
Amounts payable17/49€540k€466k▼
Amounts payable after more than one year17€136k€108k▼
Financial debts170/4€136k€108k▼
Amounts payable within one year42/48€399k€352k▼
Current portion of amounts payable after more than one year42€26k€27k▲
Financial debts43-€25k
Credit institutions430/8-€25k
Trade debts44€226k€95k▼
Suppliers440/4€226k€95k▼
Taxes, remuneration and social security45€129k€135k▲
Taxes450/3€129k€135k▲
Other amounts payable47/48€18k€70k▲
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20232024
Non-recurring operating income76A€337-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€67k▲
Other operating charges640/8€3k€10k▲
Gross operating margin9900€176k€145k▼
Operating profit (loss)9901€123k€69k▼
Financial income75/76B€19k€138▼
Recurring financial income75€19k€138▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€134k€61k▼
Income taxes67/77€26k€23k▼
Profit (loss) for the period9904€109k€38k▼
Profit (loss) for the period to be appropriated9905€109k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€948k€970k▲
Profit (loss) brought forward from the previous period14P€839k€931k▲
Transfer from equity791/2€2k-
Transfer to equity691/2-€38k
To other reserves6921-€38k
Profit to be distributed694/7€18k-
Directors or managers695€18k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
31-12
Financial
Weakest financial yearnet €38k ▼64.8%
Net result drops to €38k, the lowest in the series.
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 116 days late
2023
31-12
Financial
Equity above €1MEq €1.04M ▲9.6%
6 profitable years in a row build equity to €1.04M.
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-12
Financial
Highest result since 2018net €389k ▲122%
Operating result €438k, net result €389k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.38
Current ratio from 0.41 to 1.38; short-term debt falls from €508k to €377k.
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 82 days late
2021
31-12
Financial
Equity above €500kEq €594k ▲24.1%
4 profitable years in a row build equity to €594k.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 124 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
05-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 36 days late
2016
21-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 82 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
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.
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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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Péruwelz · 1 establishment unit since 2006
Ground area
739 m²
Building footprint
72 m²
Volume, LiDAR
494 m³
Parcel 57071A0609/00D000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Lieutenant Louis Boël(ROU) 10, 7601 Péruwelz
since 20062.153.552.725
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57071A0609/00D000indicative | Wallonia | 739 m² | 1 · 72 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 82,169 companies in sector 70200 we hold annual accounts for 52,388. 26,970 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
41001General construction of residential buildings
41003General construction of other non-residential buildings
43429Specialised construction activities
68110Buying and selling of own real estate
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.