B.M. and Co
ActiveSummary
B.M. and Co has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €839k and a net result of €-14k. Equity is shrinking by ~4% per year across the filed fiscal years. Its solvency ranks better than 88% of 315 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-54
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 2.82 in 2024; short-term debt: 23.7% and cash: 45.1% of total assets), and 23.8% 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 · 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
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
76.2%
Return on assets
-1.3%
Age of the figures
9 mo
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 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
16 d early
2023
61 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
87 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-14k
2024 · €17k
2018: €-64k
2019: €-36k
2020: €-76k
2021: €-53k
2022: €-42k
2023: €-19k
2024: €17k
2018 → 2025
Working capital
€485k▲ 2.3%
2024 · €474k
2018: €71k
2019: €139k
2020: €443k
2021: €431k
2022: €418k
2023: €432k
2024: €474k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€897k-€855k▼ 4.7%€837k▼ 2.2%€853k▲ 2.0%€839k▼ 1.7%
Operating result€-55k-€-45k▲ 18.8%€-42k▲ 5.5%€-23k▲ 44.5%€-28k▼ 19.1%
Net result€-53k-€-42k▲ 20.4%€-19k▲ 55.1%€17k€-14k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2025 against €23k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€355k ▼ 6.5%
Current assets
€746k ▲ 1.6%
Equity and liabilities €1.10M
Equity
€839k ▼ 1.7%
Debt
€262k ▲ 0.5%
Debt's share of the balance-sheet total rises from 23.4% to 23.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▼
2024 · €2k
Cash flow
€10k▼
2024 · €42k
Current ratio
2.86▲
2024 · 2.82
Debt to equity
0.31▲
2024 · 0.31
ROE
-1.7%▼
2024 · 2.0%
ROA
-1.3%▼
2024 · 1.5%
Interest coverage
-73.77▼
2024 · 44.80
Debt ≤ 1 year
€261k▲
2024 · €261k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.11M€1.10M▼
Fixed assets21/28€380k€355k▼
Tangible fixed assets22/27€380k€355k▼
Land and buildings22€380k€355k▼
Current assets29/58€734k€746k▲
Amounts receivable within one year40/41€5k€3k▼
Trade receivables40€2k€0▼
Other amounts receivable41€4k€3k▼
Current investments50/53€245k€245k=
Cash at bank and in hand54/58€483k€496k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.10M▼
Equity10/15€853k€839k▼
Contributions10/11€1.08M€1.08M=
Capital10€1.08M€1.08M=
Issued capital100€1.08M€1.08M=
Reserves13€28k€28k=
Non-distributable reserves130/1€28k€28k=
Legal reserve130€28k€28k=
Profit (loss) carried forward14€-256k€-270k▼
Amounts payable17/49€261k€262k▲
Amounts payable within one year42/48€261k€261k▲
Trade debts44€528€457▼
Suppliers440/4€528€457▼
Taxes, remuneration and social security45€25€25=
Taxes450/3€25€25=
Other amounts payable47/48€260k€261k▲
Accrued charges and deferred income492/3€30€830▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€8k€4k▼
Operating profit (loss)9901€-23k€-28k▼
Financial income75/76B€40k€14k▼
Recurring financial income75€6k€5k▼
Non-recurring financial income76B€35k€8k▼
Financial charges65/66B€45€45=
Recurring financial charges65€45€45=
Profit (loss) for the period before taxes9903€17k€-14k▼
Profit (loss) for the period9904€17k€-14k▼
Profit (loss) for the period to be appropriated9905€17k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-256k€-270k▼
Profit (loss) brought forward from the previous period14P€-272k€-256k▲
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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after 6 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-76k
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 87 days late
2019
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 51 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Aubel · 1 establishment unit since 1993
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 de Merckhof 314880 AubelGround area
948 m²
Building footprint
223 m²
Volume, LiDAR
394 m³
2 parcels, Wallonia · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Outre-Cour 40, 4651 Herve
since 19932.060.435.002
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63003B0658/00H000 | Wallonia | 674 m² | 1 · 154 m² | - |
| 63006D0423/00M002 | Wallonia | 273 m² | 1 · 69 m² | 6.3 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
MD HOSPITALITY
BE 0753.944.079
Liège · Eq €837k
Start People Construct
BE 0427.547.987
Antwerpen · Eq €843k
PEPS INTERIM
BE 0872.546.573
Mons · Eq €844k
Mise en Place BE
BE 0666.542.824
Hasselt · Eq €832k
iCREDIT
BE 0897.431.132
Antwerpen · Eq €852k
Of 1,014 companies in sector 78200 we hold annual accounts for 645. 365 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-12-1992
Fiscal year end31-12
Activities, NACEBEL 2025
78200Temporary employment agencies and other provision of personnel
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.