BDManagement
ActiveSummary
BDManagement has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.14M and a net result of €117k. Equity is growing by ~38.3% per year across the filed fiscal years. Its solvency ranks better than 44% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+24
Solvency70▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.96 in 2024; short-term debt: 54.6% and cash: 8.6% of total assets), and 54.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
45.4%
Return on assets
4.7%
Age of the figures
15 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 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
on the day
2023
2 d early
2022
27 d early
2021
21 d early
2020
3 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€117k▲ 55.5%
2024 · €75k
2019: €51k
2020: €243k
2021: €19k
2022: €68k
2023: €1.38M
2024: €75k
2019 → 2025
Working capital
€66k
2024 · €-58k
2019: €-132k
2020: €-525k
2021: €-551k
2022: €-532k
2023: €802k
2024: €-58k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€377k-€445k▲ 18.1%€1.83M▲ 310%€1.02M▼ 44.1%€1.14M▲ 11.5%
Operating result€83k-€125k▲ 49.5%€122k▼ 1.9%€144k▲ 17.7%€157k▲ 9.1%
Net result€19k-€68k▲ 254%€1.38M▲ 1,922%€75k▼ 94.6%€117k▲ 55.5%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.51M
Fixed assets
€1.07M ▼ 0.6%
Current assets
€1.43M ▼ 2.4%
Equity and liabilities €2.51M
Equity
€1.14M ▲ 11.5%
Debt
€1.37M ▼ 10.4%
Debt's share of the balance-sheet total falls from 60.0% to 54.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€164k▲
2024 · €148k
Cash flow
€124k▲
2024 · €79k
Current ratio
1.05▲
2024 · 0.96
Debt to equity
1.20▼
2024 · 1.50
ROE
10.3%▲
2024 · 7.4%
ROA
4.7%▲
2024 · 3.0%
Interest coverage
651.65▲
2024 · 3.40
Debt ≤ 1 year
€1.37M▼
2024 · €1.53M
Income taxes
€40k▲
2024 · €27k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.55M€2.51M▼
Fixed assets21/28€1.08M€1.07M▼
Tangible fixed assets22/27€30k€23k▼
Furniture and vehicles24€30k€23k▼
Financial fixed assets28€1.05M€1.05M=
Current assets29/58€1.47M€1.43M▼
Amounts receivable after more than one year29€1.20M€990k▼
Other amounts receivable291€1.20M€990k▼
Amounts receivable within one year40/41€81k€230k▲
Trade receivables40€21k€20k▼
Other amounts receivable41€60k€210k▲
Cash at bank and in hand54/58€193k€214k▲
Deferred charges and accrued income490/1€119€123▲
Equity and liabilities
Total equity and liabilities10/49€2.55M€2.51M▼
Equity10/15€1.02M€1.14M▲
Contributions10/11€19k€19k=
Reserves13€2k€57k▲
Tax-exempt reserves132-€55k
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€1.00M€1.06M▲
Amounts payable17/49€1.53M€1.37M▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€1.53M€1.37M▼
Current portion of amounts payable after more than one year42€25k€0▼
Trade debts44€442€3k▲
Suppliers440/4€442€3k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€12k€12k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€1.49M€1.35M▼
Accrued charges and deferred income492/3€402€499▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€479-
Gross operating margin9900€149k€165k▲
Operating profit (loss)9901€144k€157k▲
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€43k€251▼
Recurring financial charges65€43k€251▼
Profit (loss) for the period before taxes9903€102k€157k▲
Income taxes67/77€27k€40k▲
Profit (loss) for the period9904€75k€117k▲
Transfer to tax-exempt reserves689-€55k
Profit (loss) for the period to be appropriated9905€75k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.89M€1.06M▼
Profit (loss) brought forward from the previous period14P€1.81M€1.00M▼
Profit to be distributed694/7€886k€0▼
Return on contributions (dividend)694€886k€0▼
The notes to these accounts (9 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
07-09
State Gazette act
General meeting · Director reappointment
Auditor reappointment · Permanent representative
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Highest result since 2019net €1.38M ▲1922%
Net result €1.38M, the highest in the series.
30-06
Financial
Liquidity times 13current ratio 2.19
Current ratio from 0.17 to 2.19.
30-06
Financial
Equity above €1MEq €1.83M ▲310%
5 profitable years in a row build equity to €1.83M.
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Weakest financial yearnet €19k ▼92.1%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €200kEq €358k ▲211%
2 profitable years in a row build equity to €358k.
Show earlier events
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sprimont · 1 establishment unit since 2014
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 Hotchamps(LVG) 194141 SprimontGround area
1,076 m²
Building footprint
116 m²
Volume, LiDAR
902 m³
Parcel 62067D0451/00G000, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BDManagement
since 20142.231.947.036
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62067D0451/00G000 | Wallonia | 1,076 m² | 1 · 116 m² | 9.3 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Recognitions · licences · registrations
Legal Entity Identifier
549300II11A1YKF9W788
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Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 1,866 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
Founded28-05-2014
Fiscal year end30-06
Activities, NACEBEL 2025
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.