B.A.M.M.
ActiveThe computed 12-month bankruptcy probability of B.A.M.M. is 1.9% (moderate). The 2025 annual accounts show equity of €56k and a net result of €9k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 4418 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-22
Solvency87▲+3
Growth52=
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 1.8 in 2024), but 57.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
42.5%
Return on assets
6.6%
Age of the figures
8 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 03-08-2026, 3 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 · 6 filingsDeviation from the deadline
2025
3 d late
2024
21 d late
2023
2 d early
2022
32 d late
2021
101 d late
2020
107 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 18.5%
2024 · €48k
2020: €22k
2021: €25k
2022: €44k
2023: €48k
2024: €48k
2020 → 2025
Total assets
€133k▲ 21.5%
2024 · €109k
2020: €34k
2021: €100k
2022: €118k
2023: €136k
2024: €109k
2020 → 2025
Net result
€9k▼ 39.3%
2024 · €15k
2020: €20k
2021: €2k
2022: €19k
2023: €26k
2024: €15k
2020 → 2025
Working capital
€42k▲ 5.0%
2024 · €40k
2020: €22k
2021: €29k
2022: €40k
2023: €41k
2024: €40k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€44k▲ 77.3%€48k▲ 9.4%€48k=€56k▲ 18.5%
Operating result€2k-€28k▲ 1,060%€38k▲ 35.3%€23k▼ 40.0%€14k▼ 39.3%
Net result€2k-€19k▲ 675%€26k▲ 37.8%€15k▼ 44.5%€9k▼ 39.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€55k▲ 175%
Current assets
€78k▼ 12.6%
Equity and liabilities €133k
Equity
€56k▲ 18.5%
Debt
€76k▲ 23.9%
The debt ratio rises from 56.4% to 57.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€33k▼
2024 · €34k
Cash flow
€28k▲
2024 · €25k
Solvency
42.5%▼
2024 · 43.6%
Current ratio
2.15▲
2024 · 1.80
Quick ratio
2.15▲
2024 · 1.80
Debt / equity
1.35▲
2024 · 1.29
ROE
15.6%▼
2024 · 30.5%
ROA
6.6%▼
2024 · 13.3%
Interest coverage
8.24▲
2024 · 7.92
Debt
€76k▲
2024 · €62k
Debt ≤ 1 year
€36k▼
2024 · €50k
Debt > 1 year
€40k▲
2024 · €12k
Income taxes
€4k▼
2024 · €6k
Staff costs
€9k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€109k€133k▲
Fixed assets21/28€20k€55k▲
Tangible fixed assets22/27€20k€55k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€2k▼
Leasing and similar rights25€16k€51k▲
Current assets29/58€89k€78k▼
Amounts receivable after more than one year29€48k€48k=
Other amounts receivable291€48k€48k=
Amounts receivable within one year40/41€15k€15k▼
Trade receivables40€6k€2k▼
Other amounts receivable41€10k€13k▲
Cash at bank and in hand54/58€23k€13k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€109k€133k▲
Equity10/15€48k€56k▲
Contributions10/11€3k€3k=
Reserves13€45k€54k▲
Distributable reserves133€45k€54k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€62k€76k▲
Amounts payable after more than one year17€12k€40k▲
Financial debts170/4€12k€40k▲
Amounts payable within one year42/48€50k€36k▼
Current portion of amounts payable after more than one year42€12k€17k▲
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€20k€11k▼
Taxes450/3€16k€10k▼
Remuneration and social security454/9€3k€690▼
Other amounts payable47/48€15k€3▼
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€19k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€36k€45k▲
Operating profit (loss)9901€23k€14k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€21k€13k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€15k€9k▼
Profit (loss) for the period to be appropriated9905€15k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€9k▼
Transfer from equity791/2€0-
Transfer to equity691/2€0€9k▲
To other reserves6921€0€9k▲
Profit to be distributed694/7€15k€0▼
Return on contributions (dividend)694€15k€0▼
The notes to these accounts (10 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €26k ▲37.8%
Operating result €38k, net result €26k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 101 days late
2021
31-12
Financial
Weakest financial yearnet €2k ▼87.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 107 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Destelbergen · 1 establishment unit since 2020
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.
Markiesakker 399070 DestelbergenGround area
489 m²
Building footprint
91 m²
Volume, LiDAR
432 m³
Parcel 44013A0114/00E000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B.A.M.M.
since 20202.300.866.724
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013A0114/00E000 | Flanders | 489 m² | 1 · 91 m² | 6.7 m · 2 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
DEKIJNDT DIENSTEN
BE 0847.329.048
Maldegem · Eq €56k
D&D SERVICES
BE 0802.958.674
Jurbise · Eq €56k
DSP-Cleaning
BE 0767.499.731
Rijkevorsel · Eq €56k
ASG CLEAN
BE 0752.577.567
Ukkel · Eq €56k
CB-W TRANSCOM
BE 0789.360.264
Anderlecht · Eq €56k
Of 7,264 companies in sector 81210 we hold annual accounts for 2,690. 2,209 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2020
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.