Age2 yrs
Real estate2 parcels · 7,154 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BELMA PRO is 2.9% (moderate). The 2024 annual accounts show equity of €7k and a net result of €7k. Its solvency ranks better than 26% of 11087 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 25-08-2025 | 25 d late | 2025-00409116 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.9%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€131k
EBIT margin6.8%
Net result€7k
Working capital€6k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 20.9% | 40.9% | |
| Net result | €7k | €11k | |
| Equity | €7k | €34k | |
| Gross operating margin | €10k | €35k | |
| Staff costs | €386 | €25k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €131k |
| EBITDA | €9k |
| Net profit | €7k |
| Cash flow | €7k |
| Staff costs | €386 |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €34k |
| Equity | €7k |
| Debt | €27k |
| of which ≤ 1y | €27k |
| of which > 1y | - |
| Working capital | €6k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.22 |
| Quick ratio | 1.22 |
| Working capital ratio | 17.4% |
| Solvency | 20.9% |
| Debt / equity | 3.78 |
| Long-term debt ratio | - |
| Interest coverage | 510.29 |
| Gross margin | 7.4% |
| Net margin | 5.4% |
| ROA | 20.9% |
| ROE | 100.0% |
| EBITDA margin | 6.8% |
| Days sales outstanding | 86d |
| Days payable outstanding | 28d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €34k |
| Fixed assets | 21/28 | €1k |
| Tangible fixed assets | 22/27 | €1k |
| Current assets | 29/58 | €33k |
| Amounts receivable within one year | 40/41 | €32k |
| Cash & bank | 54/58 | €689 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €34k |
| Equity | 10/15 | €7k |
| Accumulated profits (losses) | 14 | €7k |
| Amounts payable | 17/49 | €27k |
| Amounts payable within one year | 42/48 | €27k |
| Trade debts payable within one year | 44 | €9k |
| Income statement | ||
| Turnover | 70 | €131k |
| Gross operating margin | 9900 | €10k |
| Operating result | 9901 | €9k |
| Financial charges | 65 | €18 |
| Result before taxes | 9903 | €9k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed70
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationBELMA PRO
since 20242.355.409.131
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area7,154 m²
Buildings2
Building footprint1,761 m²
Volume (LiDAR)46,327 m³
Tallest building39.7 m · ±11 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0060/00K000 | Brussels | 5,730 m² | 1 · 1,200 m² | 39.7 m · 11 fl. |
| 23084A0399/00M025 | Flanders | 1,424 m² | 1 · 561 m² | 22.0 m · 5 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Capital history · 1
29-11-2024
v3.2
All acts · 2
updated 1 year ago
2024
29-11-2024 Transaction in capital or shares
Summary:
v3.2
25-01-2024 Publication in the Belgian Official Gazette, Minor change
Summary:
oprichtingNotary:
Frédéric BERG · Evere
Analysis
Snowflake analysis
financial profile on 5 axes58
/ 100
Mixed profile: strong on health, weaker on solvency.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
70
Profitability
62
Solvency
32
Growth
-
Stability
67
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verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameNL | BELMA PRO |
Registered office
Mutsaardplein 2
1853 Grimbergen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.