B.M.S. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €123k and a net result of €11k. Equity is growing by ~63.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 8018 sector peers (fiscal year 2025). The company has been active since 2008 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.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
31 d early
2023
30 d late
2022
31 d late
2021
31 d late
2020
2 d early
2019
16 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€123k▲ 9.8%
2024 · €112k
2019: €-52k
2020: €-44k
2021: €-41k
2022: €45k
2023: €92k
2024: €112k
2019 → 2025
Net result
€11k▼ 45.1%
2024 · €20k
2019: €20k
2020: €8k
2021: €3k
2022: €86k
2023: €47k
2024: €20k
2019 → 2025
Total assets
€208k▲ 0.9%
2024 · €206k
2019: €65k
2020: €77k
2021: €53k
2022: €156k
2023: €194k
2024: €206k
2019 → 2025
Solvency
59.1%▲ 4.8pp
2024 · 54.3%
2019: -79.8%
2020: -57.6%
2021: -78.5%
2022: 28.6%
2023: 47.4%
2024: 54.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-41k-€45k€92k▲ 106%€112k▲ 21.8%€123k▲ 9.8%
Operating result€23k-€131k▲ 462%€76k▼ 42.1%€38k▼ 50.2%€27k▼ 29.5%
Net result€3k-€86k▲ 2,900%€47k▼ 45.0%€20k▼ 57.6%€11k▼ 45.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208k
Fixed assets
€28k▼ 15.1%
Current assets
€180k▲ 3.8%
Equity and liabilities €208k
Equity
€123k▲ 9.8%
Provisions
€69k=
Debt
€16k▼ 36.2%
The debt ratio falls from 12.4% to 7.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
59.1%▲
2024 · 54.3%
ROE
8.9%▼
2024 · 17.9%
ROA
5.3%▼
2024 · 9.7%
Debt
€16k▼
2024 · €25k
Debt ≤ 1 year
€16k▼
2024 · €25k
Income taxes
€9k▼
2024 · €12k
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€206k€208k▲
Fixed assets21/28€32k€28k▼
Tangible fixed assets22/27€32k€28k▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€25k€22k▼
Current assets29/58€173k€180k▲
Amounts receivable within one year40/41€30k€15k▼
Trade receivables40€26k€0▼
Other amounts receivable41€4k€15k▲
Cash at bank and in hand54/58€136k€158k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€206k€208k▲
Equity10/15€112k€123k▲
Contributions10/11€6k€6k=
Reserves13€106k€117k▲
Distributable reserves133€106k€117k▲
Provisions and deferred taxes16€69k€69k=
Provisions for liabilities and charges160/5€69k€69k=
Pensions and similar obligations160€69k€69k=
Amounts payable17/49€25k€16k▼
Amounts payable within one year42/48€25k€16k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€250€269▲
Credit institutions430/8€250€269▲
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€20k€11k▼
Taxes450/3€14k€11k▼
Remuneration and social security454/9€7k€0▼
Other amounts payable47/48€1€4k▲
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€14k€0▼
Gross operating margin9900€62k€35k▼
Operating profit (loss)9901€38k€27k▼
Financial income75/76B€57€178▲
Recurring financial income75€57€178▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€32k€20k▼
Income taxes67/77€12k€9k▼
Profit (loss) for the period9904€20k€11k▼
Profit (loss) for the period to be appropriated9905€20k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€11k▼
Transfer to equity691/2€20k€11k▼
To other reserves6921€20k€11k▼
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
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €112k ▲21.8%
6 profitable years in a row build equity to €112k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2019net €86k ▲2900%
Operating result €131k, net result €86k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.77
Current ratio from 1.02 to 2.77.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €3k ▼64.8%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Kalmthout · 1 establishment unit since 2008
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.
Van Dammedreef (Heide) 62920 KalmthoutGround area
1,898 m²
Building footprint
234 m²
Volume, LiDAR
1,316 m³
Parcel 11662E0594/00B019, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B.M.S.
since 20082.173.645.383
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0594/00B019 | Flanders | 1,898 m² | 1 · 234 m² | 8.9 m · 2 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,831 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2008
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 · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.