B-Mac

Active

Private limited company (pre-2019)founded 199233 yrs activeEmiel Vlieberghlaan 13, 3900 Pelt, BelgiumKBO/BCE: BE 0448.334.592

Summary

B-Mac has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.24M and a net result of €37k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 56% of 509 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2024

69 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability71▼-2

Solvency74▼-2

Growth52=

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €85k at 30 days acceptable

Liquidity ample (current ratio 2.46 against 3.02 in 2023; short-term debt: 23.3% and cash: 2.6% of total assets), but 51.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

48.8%

Return on assets

1.5%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

on the day

2023

12 d early

2022

31 d late

2021

3 d early

2020

31 d early

2019

23 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity

€1.24M▼ 5.2%

2023 · €1.31M

2018: €834k 2019: €683k 2020: €1.42M 2021: €1.27M 2022: €1.29M 2023: €1.31M

2018 → 2024

Total assets

€2.54M▼ 0.7%

2023 · €2.56M

2018: €1.96M 2019: €1.96M 2020: €3.11M 2021: €2.79M 2022: €2.84M 2023: €2.56M

2018 → 2024

Net result

€37k▼ 54.8%

2023 · €82k

2018: €136k 2019: €99k 2020: €371k 2021: €1.15M 2022: €324k 2023: €82k

2018 → 2024

Working capital

€868k▼ 10.2%

2023 · €966k

2018: €339k 2019: €87k 2020: €-63k 2021: €729k 2022: €1.02M 2023: €966k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€1.42M-€1.27M▼ 10.6%€1.29M▲ 1.9%€1.31M▲ 1.3%€1.24M▼ 5.2%

Operating result€511k-€581k▲ 13.7%€379k▼ 34.8%€140k▼ 63.1%€90k▼ 35.5%

Net result€371k-€1.15M▲ 210%€324k▼ 71.8%€82k▼ 74.6%€37k▼ 54.8%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2024 is 36% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €2.54M

42.6%

57.4%

Fixed assets €1.08M ▼ 3.0%

Current assets €1.46M ▲ 1.2%

Equity and liabilities €2.54M

48.8%

51.2%

Equity €1.24M ▼ 5.2%

Debt €1.30M ▲ 4.0%

Debt's share of the balance-sheet total rises from 48.9% to 51.2%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€194k▼

2023 · €232k

Cash flow

€141k▼

2023 · €175k

Current ratio

2.46▼

2023 · 3.02

Quick ratio

1.20▼

2023 · 1.43

Debt to equity

1.05▲

2023 · 0.96

ROE

3.0%▼

2023 · 6.3%

ROA

1.5%▼

2023 · 3.2%

Interest coverage

9.61▼

2023 · 15.23

Debt ≤ 1 year

€593k▲

2023 · €478k

Debt > 1 year

€708k▼

2023 · €774k

Income taxes

€33k▼

2023 · €49k

Staff costs

€249k▲

2023 · €249k

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 · 2024 against 2023 · 61 lines

Balance sheet Code20232024

Assets

Total assets20/58€2.56M€2.54M▼

Fixed assets21/28€1.12M€1.08M▼

Intangible fixed assets21€84k€54k▼

Tangible fixed assets22/27€1.03M€1.03M▼

Land and buildings22€982k€930k▼

Plant, machinery and equipment23€43k€95k▲

Furniture and vehicles24€9k€4k▼

Financial fixed assets28€1k€144▼

Current assets29/58€1.44M€1.46M▲

Stocks and contracts in progress3€760k€747k▼

Stocks30/36€760k€747k▼

Amounts receivable within one year40/41€470k€622k▲

Trade receivables40€186k€426k▲

Other amounts receivable41€283k€196k▼

Cash at bank and in hand54/58€207k€66k▼

Deferred charges and accrued income490/1€8k€26k▲

Equity and liabilities

Total equity and liabilities10/49€2.56M€2.54M▼

Equity10/15€1.31M€1.24M▼

Contributions10/11€62k€62k=

Revaluation surpluses12€1.00M€1.00M=

Reserves13€242k€174k▼

Non-distributable reserves130/1€6k€6k=

Reserves not available under the articles1311€6k€6k=

Tax-exempt reserves132€19k€19k=

Distributable reserves133€217k€149k▼

Amounts payable17/49€1.25M€1.30M▲

Amounts payable after more than one year17€774k€708k▼

Financial debts170/4€774k€708k▼

Amounts payable within one year42/48€478k€593k▲

Current portion of amounts payable after more than one year42€64k€65k▲

Financial debts43-€50k

Credit institutions430/8-€50k

Trade debts44€234k€342k▲

Suppliers440/4€234k€342k▲

Taxes, remuneration and social security45€98k€119k▲

Taxes450/3€53k€83k▲

Remuneration and social security454/9€45k€36k▼

Other amounts payable47/48€83k€17k▼

Accrued charges and deferred income492/3€1k€2k▲

Income statement Code20232024

Non-recurring operating income76A-€10k

Remuneration, social security and pensions62€249k€249k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€104k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k

Other operating charges640/8€14k€32k▲

Gross operating margin9900€496k€478k▼

Operating profit (loss)9901€140k€90k▼

Financial income75/76B€7k€568▼

Recurring financial income75€7k€568▼

Financial charges65/66B€15k€20k▲

Recurring financial charges65€15k€20k▲

Profit (loss) for the period before taxes9903€131k€70k▼

Income taxes67/77€49k€33k▼

Profit (loss) for the period9904€82k€37k▼

Profit (loss) for the period to be appropriated9905€82k€37k▼

Appropriation of the result

Profit (loss) to be appropriated9906€82k€37k▼

Transfer from equity791/2-€105k

Transfer to equity691/2€17k€37k▲

To other reserves6921€17k€37k▲

Profit to be distributed694/7€65k€105k▲

Return on contributions (dividend)694€65k€105k▲

Social balance

Average headcount (FTE)90874.84.6▼

The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

31-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Weakest financial yearnet €37k ▼54.8%

Net result drops to €37k, the lowest in the series.

19-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 31 days late

2022

28-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

31-12

Financial Highest result since 2018net €1.15M ▲210%

Operating result €581k, net result €1.15M, both a record.

30-06

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

31-12

Financial Equity above €1MEq €1.42M ▲107%

3 profitable years in a row build equity to €1.42M.

08-07

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

01-07

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

18-06

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

19-06

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

2016

02-06

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Pelt · 1 establishment unit since 1995

establishment The establishment unit on the map

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.

Emiel Vlieberghlaan 133900 Pelt

Ground area

6,114 m²

Building footprint

2,602 m²

Volume, LiDAR

17,370 m³

Parcel 72502E0102/00G143, Flanders · tallest building 8.4 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Emiel Vlieberghlaan 13, 3900 Pelt

NACE 2952007

since 19952.059.217.057

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72502E0102/00G143	Flanders	6,114 m²	1 · 2,602 m²	8.4 m · 3 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.

Public money · subsidies and aid

Flemish government

2022 to 2025 · 3 entries · 13,102 EUR awarded · 13,102 EUR paid

Year	Entries	awarded	paid
2025	1	7,500 EUR	7,500 EUR
2022	2	5,602 EUR	5,602 EUR

Schemes

Subsidies voor internationaal ondernemen

2 entries · 12,796 EUR · 12,796 EUR paid · Vlaams Agentschap voor Internationaal Ondernemen

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 306 EUR · 306 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Cornix

BE 0401.585.146

Charleroi · Eq €1,242,468

SCHOONBROODT HYDRAULICS S.A

BE 0402.301.362

Verviers · Eq €1,243,304

TRANSMECA

BE 0448.518.892

Rumes · Eq €1,244,233

DECEUNINCK HENDRIK

BE 0459.128.516

Izegem · Eq €1,265,225

HYMATEC

BE 0457.027.673

Lier · Eq €1,206,557

Of 268 companies in sector 28220 we hold annual accounts for 231. 181 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 formPrivate limited company (pre-2019)

Founded24-09-1992

Fiscal year end31-12

Activities, NACEBEL 2025

28220Manufacture of machinery and equipment not elsewhere classified

28920Manufacture of machinery and equipment not elsewhere classified

Sources

Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.