Turnover
≈ €130,000 estimated
The micro format states no turnover.
B.A.M & Fils
Lifetime
3 annual accounts with figures on one time axispeak €40,016 (2023)
€31,150▲ 13.3%
peak €13,148 (2023)
€7,088▲ 105%
peak €25,090 (2025)
€25,090▲ 39.4%
€63,347▼ 27.6%
Board1 name since 2022
1 directorMATHIEU Olivier
Documentsfilings and deeds
21-09-202652 days late
2025micro format
Gross margin from €27,505 to €31,150Result from €3,454 to €7,088Equity from €18,002 to €25,090Debts from €87,538 to €63,347
Key points
from the 2025 annual accountsDebts
€63,347 72% of the balance sheet
Financial debts 37%Suppliers 7%Taxes and wages 10%Other 46%
Of this, €39,977 falls due within a year.
Filings
3 annual accounts 3 late
The 2023 accounts came latest: 96 days after the end of the period.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 52 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
52 days late
2024
68 days late
2023
96 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 72 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 October (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0793815138
Incorporation
Founding capital of €1,400, 100 shares · Founder: MATHIEU Olivier · Appointment: MATHIEU Olivier (director) · published on 24-11-2022 · Gazette deed
First establishment
Rue de l'Ecole Moyenne 21, Colfontaine
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| B.A.M & Fils Colfontaine | €88,437 | €31,150 | 28.4% | - |
| KLART CONSULT Rumst | €88,558 | €30,296 | 81.4% | - |
| DLL Management Ohey | €94,621 | €34,030 | 61.3% | - |
| FAST Insurance Bullange | €93,003 | €33,188 | 3.2% | - |
| IMAAR Antwerp | €76,397 | €30,390 | 87.1% | - |
| DUREZ-L Boussu | €82,455 | €40,150 | 96.9% | - |
| STCONSULTING Estaimpuis | €61,526 | €33,794 | 31.8% | - |
These companies have the same main activity as B.A.M & Fils: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €61,500 and €94,600, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 22-11-2022Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Establishment unit
- 2.340.339.4877340 Colfontaine, since 22-11-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 17-12-2025
Insights on B.A.M & Fils
B.A.M & Fils files the micro format. That format states no turnover. The gross margin fell from €40,016 in 2023 to €31,150 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about B.A.M & Fils
- What is the company number of B.A.M & Fils?
- The company number of B.A.M & Fils is 0793.815.138. The VAT number is the same number with BE in front: BE 0793.815.138.
- Where is B.A.M & Fils based?
- The registered office is at Rue de l'Ecole Moyenne 21, 7340 Colfontaine.Company details
- What does B.A.M & Fils do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of B.A.M & Fils?
- B.A.M & Fils is a private limited company (BV).
- When was B.A.M & Fils founded?
- B.A.M & Fils was founded on 22-11-2022.
- Is B.A.M & Fils still active?
- Yes, B.A.M & Fils is an active enterprise in the KBO register.
- What is the turnover of B.A.M & Fils?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €31,150 and 2,934 comparable companies of the same size. It probably lies between €75,000 and €230,000. It is a rough estimate.Financials
- Is B.A.M & Fils profitable?
- In financial year 2025, B.A.M & Fils made a profit of €7,088.
- Where can I find the annual accounts of B.A.M & Fils?
- B.A.M & Fils filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of B.A.M & Fils due?
- B.A.M & Fils must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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