Summary
BEMAR has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €15.95M and a net result of €292k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 95% of 709 sector peers (fiscal year 2025). The company has been active since 1966 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
29 d early
2023
22 d early
2022
26 d early
2021
8 d late
2020
16 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€292k▼ 26.7%
2024 · €398k
2018: €206k
2019: €465k
2020: €-278k
2021: €391k
2022: €392k
2023: €270k
2024: €398k
2018 → 2025
Working capital
€4.98M▼ 27.4%
2024 · €6.86M
2018: €1.14M
2019: €1.63M
2020: €1.75M
2021: €3.36M
2022: €2.21M
2023: €-2.21M
2024: €6.86M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14.60M-€14.99M▲ 2.7%€15.26M▲ 1.8%€15.66M▲ 2.6%€15.95M▲ 1.9%
Operating result€-25k-€-16k▲ 36.7%€-89k▼ 458%€-41k▲ 54.2%€-140k▼ 242%
Net result€391k-€392k▲ 0.3%€270k▼ 31.2%€398k▲ 47.6%€292k▼ 26.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €140k in 2025 against €41k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.35M
Fixed assets
€11.32M ▲ 28.7%
Current assets
€5.03M ▼ 27.9%
Equity and liabilities €16.35M
Equity
€15.95M ▲ 1.9%
Debt
€403k ▲ 239%
Debt's share of the balance-sheet total rises from 0.8% to 2.5%. Equity and debt are higher.
Key figures and ratios
ROE
1.8%▼
2024 · 2.5%
ROA
1.8%▼
2024 · 2.5%
Debt ≤ 1 year
€50k▼
2024 · €119k
Debt > 1 year
€353k
Income taxes
€3k▲
2024 · €276
Staff costs
€73k▲
2024 · €57k
A ratio outside any meaningful range has been withheld (balance sheet total €16.35M, equity €15.95M).
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€15.78M€16.35M▲
Fixed assets21/28€8.80M€11.32M▲
Tangible fixed assets22/27-€605k
Land and buildings22-€605k
Financial fixed assets28€8.80M€10.72M▲
Current assets29/58€6.98M€5.03M▼
Amounts receivable within one year40/41€6.40M€4.89M▼
Trade receivables40€500k-
Other amounts receivable41€5.90M€4.89M▼
Cash at bank and in hand54/58€558k€143k▼
Deferred charges and accrued income490/1€21k€1k▼
Equity and liabilities
Total equity and liabilities10/49€15.78M€16.35M▲
Equity10/15€15.66M€15.95M▲
Contributions10/11€1.23M€1.23M=
Capital10€1.23M€1.23M=
Issued capital100€1.23M€1.23M=
Reserves13€125k€125k=
Non-distributable reserves130/1€125k€125k=
Legal reserve130€125k€125k=
Distributable reserves133€692€692=
Profit (loss) carried forward14€14.30M€14.59M▲
Amounts payable17/49€119k€403k▲
Amounts payable after more than one year17-€353k
Financial debts170/4-€353k
Amounts payable within one year42/48€119k€50k▼
Financial debts43-€27k
Credit institutions430/8-€27k
Trade debts44€467€7k▲
Suppliers440/4€467€7k▲
Taxes, remuneration and social security45€118k€16k▼
Taxes450/3€107k€5k▼
Remuneration and social security454/9€11k€10k▼
Accrued charges and deferred income492/3€62-
Income statement
Code20242025
Non-recurring operating income76A-€57
Remuneration, social security and pensions62€57k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€25k
Other operating charges640/8€1k€4k▲
Gross operating margin9900€17k€-38k▼
Operating profit (loss)9901€-41k€-140k▼
Financial income75/76B€453k€453k▼
Recurring financial income75€323k€453k▲
Non-recurring financial income76B€130k-
Financial charges65/66B€14k€18k▲
Recurring financial charges65€14k€18k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€399k€295k▼
Income taxes67/77€276€3k▲
Profit (loss) for the period9904€398k€292k▼
Profit (loss) for the period to be appropriated9905€398k€292k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14.30M€14.59M▲
Profit (loss) brought forward from the previous period14P€13.90M€14.30M▲
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (10 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 197current ratio 58.68
Current ratio from 0.30 to 58.68; short-term debt falls from €3.14M to €119k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 8 days late
2021
31-12
Financial
Back to profitnet €391k
Net result €391k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 10.34
Current ratio from 3.45 to 10.34; short-term debt falls from €716k to €360k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-278k ▼160%
Net result drops to €-278k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €465k ▲126%
Operating result €128k, net result €465k, both a record.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 2.96
Current ratio from 1.43 to 2.96; short-term debt falls from €2.62M to €829k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2012
29-02
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Kluisbergen · 1 establishment unit since 1999
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.
Feelbosstraat 29690 KluisbergenGround area
3,534 m²
Building footprint
549 m²
Volume, LiDAR
3,272 m³
Parcel 45018B0344/00A000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B & P CONSULTANTS
since 19992.102.463.023
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45018B0344/00A000 | Flanders | 3,534 m² | 1 · 549 m² | 9.5 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 2,713 companies in sector 73200 we hold annual accounts for 1,783. 248 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 formPublic limited company
Founded25-03-1966
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 53 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:marc.godefroid@alsico.be