BM Business Consultancy
ActiveBM Business Consultancy has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €226k and a net result of €107k. Its solvency ranks better than 40% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency69▼-23
Growth52
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days only on tighter terms
Liquidity ample (current ratio 2.96 against 3.08 in 2024; short-term debt: 17.4% and cash: 7.8% of total assets), but 56% 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
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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
44%
Return on assets
20.9%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
on the day
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€226k▲ 91.0%
2024 · €118k
2024: €118k
2024 → 2025
Total assets
€513k▲ 193%
2024 · €175k
2024: €175k
2024 → 2025
Net result
€107k▼ 7.5%
2024 · €116k
2024: €116k
2024 → 2025
Working capital
€175k▲ 48.3%
2024 · €118k
2024: €118k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€118k-€226k▲ 91.0%
Operating result€150k-€144k▼ 4.0%
Net result€116k-€107k▼ 7.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513k
Fixed assets
€249k
Current assets
€264k
Equity and liabilities €513k
Equity
€226k▲ 91.0%
Debt
€287k▲ 405%
The debt ratio rises from 32.5% to 56.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€186k
Cash flow
€149k
Solvency
44.0%▼
2024 · 67.5%
Current ratio
2.96▼
2024 · 3.08
Quick ratio
2.96▼
2024 · 3.08
Debt / equity
1.27▲
2024 · 0.48
ROE
47.6%▼
2024 · 98.3%
ROA
20.9%▼
2024 · 66.3%
Interest coverage
33.95
Debt
€287k▲
2024 · €57k
Debt ≤ 1 year
€89k▲
2024 · €57k
Debt > 1 year
€198k
Income taxes
€31k▼
2024 · €33k
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€175k€513k▲
Fixed assets21/28-€249k
Tangible fixed assets22/27-€249k
Other tangible fixed assets26-€249k
Current assets29/58€175k€264k▲
Amounts receivable within one year40/41€66k€75k▲
Trade receivables40€66k€68k▲
Other amounts receivable41€47€6k▲
Current investments50/53-€150k
Cash at bank and in hand54/58€109k€40k▼
Equity and liabilities
Total equity and liabilities10/49€175k€513k▲
Equity10/15€118k€226k▲
Contributions10/11€2k€2k=
Reserves13€116k€224k▲
Distributable reserves133€116k€224k▲
Amounts payable17/49€57k€287k▲
Amounts payable after more than one year17-€198k
Financial debts170/4-€198k
Amounts payable within one year42/48€57k€89k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€53k€78k▲
Taxes450/3€53k€78k▲
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€42k
Other operating charges640/8€785€877▲
Gross operating margin9900€150k€186k▲
Operating profit (loss)9901€150k€144k▼
Financial income75/76B-€725
Recurring financial income75-€725
Financial charges65/66B€83€5k▲
Recurring financial charges65€83€5k▲
Profit (loss) for the period before taxes9903€150k€139k▼
Income taxes67/77€33k€31k▼
Profit (loss) for the period9904€116k€107k▼
Profit (loss) for the period to be appropriated9905€116k€107k▼
Appropriation of the result
Profit (loss) to be appropriated9906€116k€107k▼
Transfer to equity691/2€116k€107k▼
To other reserves6921€116k€107k▼
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €226k ▲91%
2 profitable years in a row build equity to €226k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro 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, Lokeren · 1 establishment unit since 2024
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.
Daknam-dorp 289160 LokerenGround area
403 m²
Building footprint
74 m²
Volume, LiDAR
379 m³
Parcel 46004A0487/00E000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BM Business Consultancy
since 20242.360.341.679
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46004A0487/00E000 | Flanders | 403 m² | 1 · 74 m² | 7.7 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.
Similar companies · same sector, comparable size
RA Consultancy
BE 0802.743.294
Ganshoren · Eq €226k
JuLoRé
BE 0508.525.369
Heusden-Zolder · Eq €226k
LEANCO
BE 0891.693.581
Wuustwezel · Eq €226k
F.Mir
BE 0863.825.976
Turnhout · Eq €226k
FAINGNAERT MANAGEMENT
BE 0896.626.626
Beveren-Kruibeke-Zwijndrecht · Eq €226k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70210Activities of head offices; management consultancy activities
73200Market research and public opinion polling
73300Public relations and communication consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.