Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 51 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BBPM Finances from Châtelet, company number BE0798192313, closed financial year 2025 with a result of € 547,326 after tax. For that financial year BBPM Finances recorded a gross margin of € 1.5 million and equity of € 6,000. Compared with financial year 2024, the result moved from € 281,949 to € 547,326. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 6,000
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 547,326
▲ 94% vs 2024
Profit after tax over the fiscal year.
€ 20,297
Cash and bank balances on the last day of the fiscal year.
€ 547,326 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
9.6
▲ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 647,304
▼ 4% vs 2024
€ 67,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 21,189
▼ 27% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.3 million
▼ 19% vs 2024
€ 255,838 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 343,314
▲ 34% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 95,244
▲ 14% vs 2024
Taxes, VAT and social contributions still to pay.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 653,842 | € 1,285,732 | € 1,531,191 | ▲ 19% |
| Profit after taxes | € 213,853 | € 281,949 | € 547,326 | ▲ 94% |
| Equity | € 6,000 | € 6,000 | € 6,000 | |
| Total debts | € 2,528,125 | € 2,356,113 | € 2,320,717 | ▼ 2% |
| Cash | - | - | € 20,297 | |
| Dividend | € 213,853 | € 281,949 | € 547,326 | ▲ 94% |
| Bank debt | € 2,111,352 | € 1,639,279 | € 1,332,207 | ▼ 19% |
| Balance sheet total | € 2,534,125 | € 2,362,113 | € 2,326,717 | ▼ 1% |
| Employees (FTE) | 4.9 | 9.3 | 9.6 | ▲ 0.3 |
Key figures of BBPM Finances, fiscal years 2023 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to BBPM Finances?
What happened at BBPM Finances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 547,326 (▲ 94% vs 2024). filed late Source: NBB ↗
- WB Finances et services SRL stepped down as director. NBB
- New establishment in Charleroi. KBO
- New establishment in Châtelet. KBO
- JMB Conseils SRL became a director. NBB
- JFP Finances SRL became a director. NBB
- JPM Conseils SRL became a director. NBB
- WB Finances et services SRL became a director. NBB
In short
From € 213,853 profit in 2023 to € 547,326 profit in 2025.
Paid € 36,320 in corporate taxes since 2023.
Best year ever: 2025, with € 547,326 profit.
On average € 159,500 of value added per employee in 2025.
Management
The stake of JFP Finances, JMB CONSEILS, JPM CONSEILS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
BBPM FinancesBehind BBPM Finances are JMB Conseils SRL, JFP Finances SRL and JPM Conseils SRL. The shares are held by JFP Finances (30%), JMB CONSEILS (30%) and JPM CONSEILS (30%).
Directors
According to the 2025 annual accounts
Director · represented by Jean-Marc BISCOMPTE
since 2023
since 2023
Director · represented by Jean-Philippe MATERNE
since 2023
Director · represented by William BAUDUIN
since 2023 · until 2026
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Place Saint Roch 27
6200 Châtelet
Route de Philippeville 341
6010 Charleroi
Active since 3 July 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0798.192.313
- VAT number
- BE 0798.192.313
- Registered office
- Place Saint Roch 27, 6200 Châtelet
- Names & denominations
- BBPM Finances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 February 2023
- Peppol
- Active · Active since 8 Sept 2025
- Contact
- [email protected]
- Activities · NACE
Agenten en makelaars in bankdiensten
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