BDM Saint-Georges
ActiveBDM Saint-Georges has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €43k. Equity is growing by ~65.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
93
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▲+9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 1.79 in 2024), and 48.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
51.7%
Return on assets
12.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-08-2026, 15 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 · 9 filingsDeviation from the deadline
2025
15 d late
2024
18 d late
2023
31 d late
2022
14 d late
2021
4 d early
2020
17 d early
2019
17 d late
← 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
15-09-2026 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
€43k▼ 30.5%
2024 · €62k
2018: €-16k
2019: €3k
2020: €37k
2021: €46k
2022: €10k
2023: €17k
2024: €62k
2018 → 2025
Working capital
€179k▲ 120%
2024 · €81k
2018: €-112k
2019: €-99k
2020: €-48k
2021: €8k
2022: €6k
2023: €18k
2024: €81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€51k▲ 23.9%€68k▲ 33.5%€130k▲ 92.1%€174k▲ 33.3%
Operating result€46k-€15k▼ 67.9%€28k▲ 89.5%€86k▲ 207%€65k▼ 24.0%
Net result€46k-€10k▼ 78.5%€17k▲ 73.6%€62k▲ 267%€43k▼ 30.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €335k
Fixed assets
€60k▼ 34.2%
Current assets
€275k▲ 48.9%
Equity and liabilities €335k
Equity
€174k▲ 33.3%
Debt
€162k▲ 10.6%
The debt ratio falls from 52.9% to 48.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€100k▼
2024 · €119k
Cash flow
€78k▼
2024 · €96k
Solvency
51.7%▲
2024 · 47.1%
Current ratio
2.85▲
2024 · 1.79
Quick ratio
1.47▲
2024 · 0.76
Debt / equity
0.93▼
2024 · 1.12
ROE
25.0%▼
2024 · 47.9%
ROA
12.9%▼
2024 · 22.6%
Interest coverage
15.22▼
2024 · 28.63
Debt
€162k▲
2024 · €146k
Debt ≤ 1 year
€96k▼
2024 · €103k
Debt > 1 year
€31k▼
2024 · €43k
Income taxes
€18k▼
2024 · €22k
Staff costs
€143k▲
2024 · €126k
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€276k€335k▲
Fixed assets21/28€92k€60k▼
Tangible fixed assets22/27€91k€60k▼
Plant, machinery and equipment23€59k€45k▼
Furniture and vehicles24€4k€874▼
Other tangible fixed assets26€28k€14k▼
Financial fixed assets28€556€556=
Current assets29/58€185k€275k▲
Stocks and contracts in progress3€106k€133k▲
Stocks30/36€106k€133k▲
Amounts receivable within one year40/41€66k€79k▲
Trade receivables40€2k-
Other amounts receivable41€64k€79k▲
Cash at bank and in hand54/58€11k€63k▲
Deferred charges and accrued income490/1€949-
Equity and liabilities
Total equity and liabilities10/49€276k€335k▲
Equity10/15€130k€174k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€112k€155k▲
Distributable reserves133€112k€155k▲
Amounts payable17/49€146k€162k▲
Amounts payable after more than one year17€43k€31k▼
Financial debts170/4€43k€31k▼
Amounts payable within one year42/48€103k€96k▼
Current portion of amounts payable after more than one year42€35k€28k▼
Trade debts44€22k€11k▼
Suppliers440/4€22k€11k▼
Taxes, remuneration and social security45€40k€51k▲
Taxes450/3€11k€20k▲
Remuneration and social security454/9€29k€31k▲
Other amounts payable47/48€5k€6k▲
Accrued charges and deferred income492/3-€35k
Income statement
Code20242025
Remuneration, social security and pensions62€126k€143k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€35k▲
Other operating charges640/8-€568
Gross operating margin9900€246k€244k▼
Operating profit (loss)9901€86k€65k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€85k€61k▼
Income taxes67/77€22k€18k▼
Profit (loss) for the period9904€62k€43k▼
Profit (loss) for the period to be appropriated9905€62k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€43k▼
Transfer to equity691/2€62k€43k▼
To other reserves6921€62k€43k▼
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
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 15 days late
2025
31-12
Financial
Equity above €150kEq €174k ▲33.3%
7 profitable years in a row build equity to €174k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Highest result since 2018net €62k ▲267%
Operating result €86k, net result €62k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲92.1%
6 profitable years in a row build equity to €130k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 14 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Saint-Georges-sur-Meuse · 1 establishment unit since 2017
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.
Chaussée Verte 984470 Saint-Georges-sur-MeuseGround area
2,404 m²
Building footprint
978 m²
Volume, LiDAR
7,324 m³
Parcel 64065C0201/00V000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BIO DIS-MOI
since 20172.260.591.136
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64065C0201/00V000 | Wallonia | 2,404 m² | 1 · 978 m² | 9.4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSaint-Georges-sur-Meuse2.260.591.136
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Of 10,412 companies in sector 47110 we hold annual accounts for 5,786. 4,303 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-01-2017
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bdmstgeo@biodismoi.be