Age4 yrs
Real estate2 parcels · 276 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BMD consult is 1.4% (low). The 2024 annual accounts show equity of €6k and a net result of €-6k. Its solvency ranks better than 31% of 7336 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. 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 |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 30-06-2025 | 31 d early | 2025-00230248 |
| 31-12-2023 | 31-07-2024 | 27-09-2024 | 58 d late | 2024-00478336 |
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 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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 strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.4%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€231k
EBIT margin6.0%
Net result€-6k
Working capital€5k-47.0%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 46.2% | 65.0% | |
| Net result | €-6k | €32k | |
| Equity | €6k | €58k | |
| Gross operating margin | €-1k | €52k | |
| Total assets | €13k | €103k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€231k
-
23-24
€-4k
-
23-24
€-6k
-
23-24
€-5k
-
23-24
€13k
-52.7%
23-24
€6k
-48.1%
23-24
€5k
-47.0%
23-24
€452
-88.7%
23-24
€7k
-56.1%
23-24
€7k
-56.1%
23-24
1.75
+7.9%
23-24
1.75
+7.9%
23-24
46.2%
+9.8%
23-24
1.17
-15.4%
23-24
-92.5%
-
23-24
-42.7%
-
23-24
4.2%
-
23-24
6.5%
-
23-24
-27.62
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-4k |
| Net profit | €-6k |
| Cash flow | €-5k |
| Staff costs | - |
| Income taxes | €452 |
| Dividends | - |
| Total assets | €13k |
| Equity | €6k |
| Debt | €7k |
| of which ≤ 1y | €7k |
| of which > 1y | - |
| Working capital | €5k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.75 |
| Quick ratio | 1.75 |
| Working capital ratio | 40.4% |
| Solvency | 46.2% |
| Debt / equity | 1.17 |
| Long-term debt ratio | - |
| Interest coverage | -27.62 |
| Gross margin | - |
| Net margin | - |
| ROA | -42.7% |
| ROE | -92.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| 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 | €13k |
| Fixed assets | 21/28 | €749 |
| Tangible fixed assets | 22/27 | €749 |
| Current assets | 29/58 | €12k |
| Amounts receivable within one year | 40/41 | €3k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €13k |
| Equity | 10/15 | €6k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €4k |
| Amounts payable | 17/49 | €7k |
| Amounts payable within one year | 42/48 | €7k |
| Trade debts payable within one year | 44 | €4k |
| Income statement | ||
| Gross operating margin | 9900 | €-1k |
| Operating result | 9901 | €-5k |
| Financial charges | 65 | €147 |
| Result before taxes | 9903 | €-5k |
| Income taxes | 67/77 | €452 |
| Net result for the period | 9904 | €-6k |
| Result to be appropriated | 9905 | €-6k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed45
/ 100
Fair
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 from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Lindestraat 2151140 EvereEstablishment units
1 locationRogierlaan 406, 1030 Schaarbeek
since 20222.328.182.320
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area276 m²
Buildings2
Building footprint202 m²
Volume (LiDAR)2,800 m³
Tallest building25.2 m · ±8 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.
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0416/00F000 | Brussels | 159 m² | 1 · 84 m² | 13.1 m · 3 fl. |
| 21904B0431/00M000 | Brussels | 116 m² | 1 · 117 m² | 25.2 m · 8 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
1 acts Address history · 1
07-02-2023
Registered-office move
All acts · 1
updated 3 years ago
2023
07-02-2023 Registered office moved to EVERE
- Rue du tilleul 215 1140 EVERE
Analysis
Snowflake analysis
financial profile on 5 axes51
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
45
Profitability
0
Solvency
85
Growth
32
Stability
94
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verdict per customer and amountSimilar
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We hold annual accounts for 2,789 of the 16,726 companies in this sector. 1,341 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Computerconsultancy-activiteiten62020Overige diensten op het gebied van informatietechnologie en computer62090Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige diensten op het gebied van informatietechnologie en computer62900
Primary activity highlighted.
Names & trade names
| Legal nameFR | BMD consult |
Registered office
Lindestraat 215
1140 Evere, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.