BMS Imagerie · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BMS Imagerie is 2.9% (moderate). The 2024 annual accounts show equity of €141k and a net result of €142k. The company has been active since 2023 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-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 30 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.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-08-2025, 11 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

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	11-08-2025	11 d late	2025-00371469
31-12-2023	31-07-2024	29-08-2024	29 d late	2024-00411996

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 signals

Young company

Founded in 2023, 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 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 everyone

2.9% Moderate

0%0,5%1,5%4%10%≥25%

Young company +No NACE activity registered +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€142k

Working capital€127k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 11-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

EBITDA

€186k

- 23-24

Net profit

€142k

- 23-24

Cash flow

€144k

- 23-24

Total assets

€183k

+1556.4% 23-24

Equity

€141k

- 23-24

Working capital

€127k

- 23-24

Income taxes

€41k

- 23-24

Debt

€42k

+270.1% 23-24

Show 8 other metrics

Debt ≤ 1y

€41k

+265.1% 23-24

Current ratio

4.09

+1893.7% 23-24

Quick ratio

4.09

+1893.7% 23-24

Solvency

77.2%

- 23-24

Debt / equity

0.30

- 23-24

ROE

100.2%

-89.2% 23-24

ROA

77.3%

- 23-24

Interest coverage

312.09

- 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€186k
Net profit	€142k
Cash flow	€144k
Staff costs	-
Income taxes	€41k
Dividends	-
Total assets	€183k
Equity	€141k
Debt	€42k
of which ≤ 1y	€41k
of which > 1y	-
Working capital	€127k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	4.09
Quick ratio	4.09
Working capital ratio	69.5%
Solvency	77.2%
Debt / equity	0.30
Long-term debt ratio	-
Interest coverage	312.09
Gross margin	-
Net margin	-
ROA	77.3%
ROE	100.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €15k · 8.0% Current assets €169k · 92.1%

Equity & liabilities

Equity €141k · 77.2% Debt €42k · 22.8%

Full annual accounts (20 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€183k
Fixed assets	21/28	€15k
Tangible fixed assets	22/27	€15k
Current assets	29/58	€169k
Investments	50/53	€110k
Cash & bank	54/58	€58k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€183k
Equity	10/15	€141k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€139k
Amounts payable	17/49	€42k
Amounts payable within one year	42/48	€41k
Trade debts payable within one year	44	€239
Income statement
Gross operating margin	9900	€186k
Operating result	9901	€183k
Financial charges	65	€596
Result before taxes	9903	€183k
Income taxes	67/77	€41k
Net result for the period	9904	€142k
Result to be appropriated	9905	€142k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

100 / 100 Excellent

050100

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.

The full score breakdown, per-year score history and the indicative credit limit are in 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

on the map · from the address register

exact location from the address register On OpenStreetMap

2 companies at this address See who is registered here

Establishment units

1 location

BMS Imagerie

Rue de Nicosie 1, 1400 NivellesActiviteiten van medisch specialisten

since 20232.352.353.730

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area385 m²

Buildings1

Building footprint93 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25072B0507/00W002	Wallonia	385 m²	1 · 93 m²	-

Methodology

via registered seat: 1

1 of 1 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

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 82

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR	BMS Imagerie
AbbreviationFR	BMSIM

Registered office

Rue de Nicosie 1

1400 Nivelles, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.