BMA COMPANY
ActiveSummary
The computed 12-month bankruptcy probability of BMA COMPANY is 2.5% (moderate). The 2025 annual accounts show equity of €30k and a net result of €4k. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 36375 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-25
Solvency79▲+3
Growth85=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 2.6 in 2024; short-term debt: 46% and cash: 3.5% of total assets), and 46% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54%
Return on assets
7%
Age of the figures
9 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 21-09-2026, 52 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 · 5 filingsDeviation from the deadline
2025
52 d late
2024
22 d late
2023
38 d late
2022
50 d late
2021
90 d late
← 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, micro schema
Turnover
€163k▲ 47.1%
2021 · €111k
2021: €111k
2021 → 2022
EBIT margin
6.1%▲ 2.1pp
2021 · 4.0%
2021: 4.0%
2021 → 2022
Net result
€4k▼ 57.2%
2024 · €9k
2021: €2k
2022: €7k
2023: €764
2024: €9k
2021 → 2025
Working capital
€28k▼ 8.0%
2024 · €30k
2021: €19k
2022: €22k
2023: €38k
2024: €30k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€111k-€163k▲ 47.1%
Equity€10k-€17k▲ 68.5%€18k▲ 4.6%€26k▲ 50.9%€30k▲ 11.9%
Operating result€4k-€10k▲ 126%€2k▼ 78.1%€12k▲ 476%€9k▼ 25.8%
Net result€2k-€7k▲ 249%€764▼ 88.8%€9k▲ 1,068%€4k▼ 57.2%
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 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€2k ▼ 27.7%
Current assets
€53k ▲ 8.5%
Equity and liabilities €55k
Equity
€30k ▲ 11.9%
Debt
€25k ▼ 0.2%
Debt's share of the balance-sheet total falls from 48.9% to 46.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €14k
Cash flow
€5k▼
2024 · €10k
Current ratio
2.09▼
2024 · 2.60
Quick ratio
1.43▼
2024 · 1.70
Debt to equity
0.85▼
2024 · 0.96
ROE
12.9%▼
2024 · 33.7%
ROA
7.0%▼
2024 · 17.2%
Interest coverage
4.51▼
2024 · 10.39
Debt ≤ 1 year
€25k▲
2024 · €19k
Income taxes
€3k▲
2024 · €2k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€52k€55k▲
Formation expenses20€283€7▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€1k€958▼
Current assets29/58€49k€53k▲
Stocks and contracts in progress3€17k€17k=
Stocks30/36€17k€17k=
Amounts receivable within one year40/41€30k€34k▲
Trade receivables40€30k€25k▼
Other amounts receivable41-€9k
Cash at bank and in hand54/58€2k€2k▼
Deferred charges and accrued income490/1€28€170▲
Equity and liabilities
Total equity and liabilities10/49€52k€55k▲
Equity10/15€26k€30k▲
Contributions10/11€8k€8k=
Reserves13€18k€22k▲
Distributable reserves133€18k€22k▲
Amounts payable17/49€25k€25k▼
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€19k€25k▲
Current portion of amounts payable after more than one year42€10k€6k▼
Trade debts44-€13k
Suppliers440/4-€13k
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€5k€5k▲
Remuneration and social security454/9€688-
Other amounts payable47/48€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€643€5k▲
Gross operating margin9900€14k€15k▲
Operating profit (loss)9901€12k€9k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€11k€7k▼
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€9k€4k▼
Profit (loss) for the period to be appropriated9905€9k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€4k▼
Transfer to equity691/2€9k€4k▼
To other reserves6921€9k€4k▼
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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Highest result since 2021net €9k ▲1068%
Operating result €12k, net result €9k, both a record.
07-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 38 days late
2023
31-12
Financial
Weakest financial yearnet €764 ▼88.8%
Net result drops to €764, the lowest in the series; recovery starts the following year.
19-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 50 days late
2022
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 90 days late
Financial milestoneNBB 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, Beringen · 1 establishment unit since 2021
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.
Koolmijnlaan 4863581 BeringenGround area
346 m²
Building footprint
263 m²
Volume, LiDAR
1,431 m³
Parcel 71005C0938/00A004, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BMA COMPANY
since 20212.312.051.517
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71005C0938/00A004 | Flanders | 346 m² | 1 · 263 m² | 10.8 m · 1 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
CTRL CONSTRUCT
BE 1002.394.634
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GIMA COLOR
BE 0758.715.291
Denderleeuw · Eq €26,454
ABELL PLATRE
BE 0690.688.302
Schaarbeek · Eq €26,481
FRDDS
BE 0683.845.545
Ternat · Eq €26,481
Burapa Group
BE 0761.787.718
Meerhout · Eq €26,490
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,555 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
Founded11-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.