B.M.O. PROSPECTS
ActiveB.M.O. PROSPECTS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175k and a net result of €53k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+9
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 16.47 against 5.28 in 2024; short-term debt: 5.3% and cash: 74.2% of total assets), and 5.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
94.7%
Return on assets
28.5%
Age of the figures
9 mo
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
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 27-04-2026, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
57 d early
2023
56 d early
2022
12 d late
2021
74 d early
2020
36 d early
2019
32 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€175k▼ 13.0%
2024 · €201k
2018: €134k
2019: €149k
2020: €222k
2021: €124k
2022: €105k
2023: €179k
2024: €201k
2018 → 2025
Total assets
€185k▼ 22.9%
2024 · €240k
2018: €180k
2019: €225k
2020: €296k
2021: €180k
2022: €156k
2023: €231k
2024: €240k
2018 → 2025
Net result
€53k▲ 21.0%
2024 · €44k
2018: €46k
2019: €64k
2020: €73k
2021: €58k
2022: €43k
2023: €112k
2024: €44k
2018 → 2025
Working capital
€151k▼ 8.4%
2024 · €165k
2018: €102k
2019: €94k
2020: €169k
2021: €92k
2022: €78k
2023: €129k
2024: €165k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€105k▼ 15.4%€179k▲ 71.0%€201k▲ 12.3%€175k▼ 13.0%
Operating result€56k-€61k▲ 7.4%€153k▲ 152%€64k▼ 58.4%€76k▲ 19.4%
Net result€58k-€43k▼ 26.1%€112k▲ 161%€44k▼ 61.1%€53k▲ 21.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€24k▼ 34.1%
Current assets
€161k▼ 20.9%
Equity and liabilities €185k
Equity
€175k▼ 13.0%
Debt
€10k▼ 74.7%
The debt ratio falls from 16.1% to 5.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€92k▲
2024 · €80k
Cash flow
€69k▲
2024 · €60k
Solvency
94.7%▲
2024 · 83.9%
Current ratio
16.47▲
2024 · 5.28
Quick ratio
16.47▲
2024 · 5.28
Debt / equity
0.06▼
2024 · 0.19
ROE
30.1%▲
2024 · 21.6%
ROA
28.5%▲
2024 · 18.1%
Interest coverage
855.87▲
2024 · 639.20
Debt
€10k▼
2024 · €39k
Debt ≤ 1 year
€10k▼
2024 · €39k
Income taxes
€23k▲
2024 · €20k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€240k€185k▼
Fixed assets21/28€36k€24k▼
Tangible fixed assets22/27€36k€24k▼
Land and buildings22€311€131▼
Furniture and vehicles24€36k€24k▼
Financial fixed assets28€50€50=
Current assets29/58€204k€161k▼
Amounts receivable within one year40/41€24k€23k▼
Trade receivables40€6k€5k▼
Other amounts receivable41€18k€18k▲
Cash at bank and in hand54/58€179k€137k▼
Deferred charges and accrued income490/1€500€500=
Equity and liabilities
Total equity and liabilities10/49€240k€185k▼
Equity10/15€201k€175k▼
Contributions10/11€6k€6k=
Reserves13€99k€20k▼
Distributable reserves133€99k€20k▼
Profit (loss) carried forward14€96k€149k▲
Amounts payable17/49€39k€10k▼
Amounts payable within one year42/48€39k€10k▼
Trade debts44€491€537▲
Suppliers440/4€491€537▲
Taxes, remuneration and social security45€38k€9k▼
Taxes450/3€38k€9k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€45k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€487€500▲
Non-recurring operating charges66A€619€1k▲
Gross operating margin9900€81k€94k▲
Operating profit (loss)9901€64k€76k▲
Financial income75/76B€267-
Recurring financial income75€267-
Financial charges65/66B€125€108▼
Recurring financial charges65€125€108▼
Profit (loss) for the period before taxes9903€64k€76k▲
Income taxes67/77€20k€23k▲
Profit (loss) for the period9904€44k€53k▲
Profit (loss) for the period to be appropriated9905€44k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€118k€149k▲
Profit (loss) brought forward from the previous period14P€74k€96k▲
Transfer from equity791/2-€79k
Profit to be distributed694/7€21k€79k▲
Return on contributions (dividend)694€21k€79k▲
The notes to these accounts (6 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 16.47
Current ratio from 5.28 to 16.47; short-term debt falls from €39k to €10k.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €201k ▲12.3%
7 profitable years in a row build equity to €201k.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €112k ▲161%
Operating result €153k, net result €112k, both a record.
31-12
Financial
Equity above €150kEq €179k ▲71%
6 profitable years in a row build equity to €179k.
12-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 12 days late
2022
31-12
Financial
Weakest financial yearnet €43k ▼26.1%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
18-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €222k ▲49%
3 profitable years in a row build equity to €222k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Nivelles · 1 establishment unit since 2011
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 du Paradis 841400 NivellesGround area
613 m²
Building footprint
163 m²
Volume, LiDAR
643 m³
Parcel 25072B0347/00H008, Wallonia · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue du Paradis 84, 1400 Nivelles
since 20112.245.241.281
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25072B0347/00H008 | Wallonia | 613 m² | 1 · 163 m² | 5.5 m · 1 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,642 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
72109Other research and development on natural sciences
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.