B-FAM
ActiveSummary
B-FAM has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of €144,617. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 17601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+13
Solvency100▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95,000 at 30 days acceptable
Liquidity ample (current ratio 26.88 against 1.93 in 2024; short-term debt: 2.9% and cash: 2.5% of total assets), and 3.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
96.9%
Return on assets
12.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 10 filingsDeviation from the deadline
2025
47 d late
2024
25 d late
2023
50 d late
2022
31 d late
2021
26 d late
2020
31 d late
2019
41 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#1 company by equity in Landen, Telecoms and IT sector#2 company by total assets in Landen, Telecoms and IT sector#5 oldest company in Landen, Telecoms and IT sector
Equity
€1.1m▲ 14.5%
2024 · €994,774
Total assets
€1.2m▼ 15.4%
2024 · €1.4m
Net result
€144,617▲ 615%
2024 · €20,219
Working capital
€878,004▲ 139%
2024 · €367,171
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,930▲ 45.4%€2,086▼ 90.5%€24,347▲ 1,067%€19,354▼ 20.5%-€30,835
Net result€194,339above the sector's middle half▲ 1,816%€7,640within the sector's middle half▼ 96.1%€166,213above the sector's middle half▲ 2,076%€20,219within the sector's middle half▼ 87.8%€144,617above the sector's middle half▲ 615%
Equity€1.5mabove the sector's middle half▼ 4.2%€1.3mabove the sector's middle half▼ 12.1%€1.4mabove the sector's middle half▲ 13.0%€994,774above the sector's middle half▼ 31.1%€1.1mabove the sector's middle half▲ 14.5%
Total assets€1.5mabove the sector's middle half▼ 3.6%€1.3mabove the sector's middle half▼ 11.6%€1.5mabove the sector's middle half▲ 12.9%€1.4mabove the sector's middle half▼ 5.6%€1.2mabove the sector's middle half▼ 15.4%
Debt€22,475▲ 74.1%€27,535▲ 22.5%€29,789▲ 8.2%€395,876▲ 1,229%€36,514▼ 90.8%
Working capital€947,446above the sector's middle half▼ 3.8%€778,801above the sector's middle half▼ 17.8%€954,246above the sector's middle half▲ 22.5%€367,171above the sector's middle half▼ 61.5%€878,004above the sector's middle half▲ 139%
Solvency98.5%above the sector's middle half▼ 0.7pp97.9%above the sector's middle half▼ 0.6pp98.0%above the sector's middle half▲ 0.1pp71.5%within the sector's middle half▼ 26.4pp96.9%above the sector's middle half▲ 25.4pp
Current ratio43.16above the sector's middle half▼ 34.1729.28above the sector's middle half▼ 13.8733.03above the sector's middle half▲ 3.751.93within the sector's middle half▼ 31.1026.88above the sector's middle half▲ 24.95
Return on assets (ROA)13.2%within the sector's middle half▲ 12.5pp0.6%below the sector's middle half▼ 12.6pp11.3%within the sector's middle half▲ 10.7pp1.5%below the sector's middle half▼ 9.8pp12.3%within the sector's middle half▲ 10.8pp
Staff (FTE)1=1=1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €30,835 after €19,354 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€263,973 ▼ 58.0%
Current assets
€911,932 ▲ 19.6%
Equity and liabilities €1.2m
Equity
€1.1m ▲ 14.5%
Debt
€36,514 ▼ 90.8%
Debt's share of the balance-sheet total falls from 28.5% to 3.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21,228▼
2024 · €60,756
Cash flow
€196,680▲
2024 · €61,621
Quick ratio
25.28▲
2024 · 1.80
Debt to equity
0.03▼
2024 · 0.40
ROE
12.7%▲
2024 · 2.0%
Interest coverage
45.76▼
2024 · 233.99
Debt ≤ 1 year
€33,929▼
2024 · €395,509
Income taxes
€15,620▲
2024 · €7,216
Staff costs
€68,505▲
2024 · €63,715
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €57,971 | €58,808 | €61,922 | €63,715 | €68,505 | ▲ 7.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,477 | €26,687 | €10,311 | €41,402 | €52,062 | ▲ 25.7% |
| Other operating charges640/8 | €928 | €903 | €1,025 | €633 | €694 | ▲ 9.6% |
| Gross operating margin9900 | €107,306 | €88,484 | €97,605 | €125,104 | €90,427 | ▼ 27.7% |
| Operating profit (loss)9901 | €21,930 | €2,086 | €24,347 | €19,354 | -€30,835 | ▼ 259% |
| Financial income75/76B | €201,003 | €13,556 | €168,088 | €8,340 | €224,009 | ▲ 2,586% |
| Recurring financial income75 | €201,003 | €13,556 | €168,088 | €8,340 | €28,487 | ▲ 242% |
| Non-recurring financial income76B | - | - | - | - | €195,522 | - |
| Financial charges65/66B | €309 | €257 | €226 | €260 | €32,937 | ▲ 12,585% |
| Recurring financial charges65 | €309 | €257 | €226 | €260 | €464 | ▲ 78.7% |
| Non-recurring financial charges66B | - | - | - | - | €32,473 | - |
| Profit (loss) for the period before taxes9903 | €222,623 | €15,385 | €192,210 | €27,435 | €160,238 | ▲ 484% |
| Income taxes67/77 | €28,285 | €7,746 | €25,996 | €7,216 | €15,620 | ▲ 116% |
| Profit (loss) for the period9904 | €194,339 | €7,640 | €166,213 | €20,219 | €144,617 | ▲ 615% |
| Profit (loss) for the period to be appropriated9905 | €194,339 | €7,640 | €166,213 | €20,219 | €144,617 | ▲ 615% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.3m | €1.5m | €1.4m | €1.2m | ▼ 15.4% |
| Fixed assets21/28 | €505,438 | €498,068 | €488,835 | €627,970 | €263,973 | ▼ 58.0% |
| Tangible fixed assets22/27 | €73,438 | €66,068 | €56,835 | €198,237 | €263,973 | ▲ 33.2% |
| Land and buildings22 | €8,531 | €6,814 | €5,096 | €3,379 | €1,808 | ▼ 46.5% |
| Plant, machinery and equipment23 | €22,464 | €29,336 | €23,529 | €29,047 | €23,657 | ▼ 18.6% |
| Furniture and vehicles24 | €18,290 | €6,858 | €6,243 | €144,937 | €218,727 | ▲ 50.9% |
| Other tangible fixed assets26 | €24,153 | €23,060 | €21,967 | €20,874 | €19,781 | ▼ 5.2% |
| Financial fixed assets28 | €432,000 | €432,000 | €432,000 | €429,733 | - | - |
| Current assets29/58 | €969,921 | €806,336 | €984,036 | €762,680 | €911,932 | ▲ 19.6% |
| Amounts receivable after more than one year29 | - | - | - | - | €500,255 | - |
| Other amounts receivable291 | - | - | - | - | €500,255 | - |
| Stocks and contracts in progress3 | €51,835 | €50,522 | €55,616 | €49,605 | €54,145 | ▲ 9.2% |
| Stocks30/36 | €51,835 | €50,522 | €55,616 | €49,605 | €54,145 | ▲ 9.2% |
| Amounts receivable within one year40/41 | €27,811 | €34,905 | €19,485 | €23,727 | €22,944 | ▼ 3.3% |
| Trade receivables40 | €18,453 | €18,453 | €18,453 | €18,453 | €18,453 | = |
| Other amounts receivable41 | €9,358 | €16,453 | €1,033 | €5,275 | €4,492 | ▼ 14.8% |
| Current investments50/53 | €499,582 | €499,582 | €603,102 | €663,102 | €302,874 | ▼ 54.3% |
| Cash at bank and in hand54/58 | €388,474 | €217,358 | €302,179 | €20,901 | €29,529 | ▲ 41.3% |
| Deferred charges and accrued income490/1 | €2,220 | €3,968 | €3,654 | €5,344 | €2,185 | ▼ 59.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.3m | €1.5m | €1.4m | €1.2m | ▼ 15.4% |
| Equity10/15 | €1.5m | €1.3m | €1.4m | €994,774 | €1.1m | ▲ 14.5% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €959,599 | €783,584 | €949,797 | €501,489 | €646,106 | ▲ 28.8% |
| Distributable reserves133 | €959,599 | €783,584 | €949,797 | €501,489 | €646,106 | ▲ 28.8% |
| Profit (loss) carried forward14 | €487,085 | €487,085 | €487,085 | €487,085 | €487,085 | = |
| Amounts payable17/49 | €22,475 | €27,535 | €29,789 | €395,876 | €36,514 | ▼ 90.8% |
| Amounts payable within one year42/48 | €22,475 | €27,535 | €29,789 | €395,509 | €33,929 | ▼ 91.4% |
| Trade debts44 | €2,809 | €4,314 | €4,361 | €8,529 | €491 | ▼ 94.2% |
| Suppliers440/4 | €2,809 | €4,314 | €4,361 | €8,529 | €491 | ▼ 94.2% |
| Taxes, remuneration and social security45 | €19,666 | €16,248 | €25,428 | €15,957 | €10,283 | ▼ 35.6% |
| Taxes450/3 | €11,514 | €8,285 | €12,525 | €2,835 | €1,304 | ▼ 54.0% |
| Remuneration and social security454/9 | €8,152 | €7,963 | €12,903 | €13,123 | €8,979 | ▼ 31.6% |
| Other amounts payable47/48 | - | €6,973 | - | €371,023 | €23,154 | ▼ 93.8% |
| Accrued charges and deferred income492/3 | - | - | - | €367 | €2,586 | ▲ 605% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €194,339 | €7,640 | €166,213 | €20,219 | €144,617 | ▲ 615% |
| + Depreciation and write-downs630 | €26,477 | €26,687 | €10,311 | €41,402 | €52,062 | ▲ 25.7% |
| Operating cash flow (approximation) | €220,816 | €34,327 | €176,524 | €61,621 | €196,680 | ▲ 219% |
| Investment in fixed assets (approximation) | - | -€19,317 | -€1,079 | -€180,537 | €311,934 | ▲ 273% |
| Change in cash | - | -€171,116 | €84,822 | -€281,278 | €8,628 | ▲ 103% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
31-12
Financial
Liquidity times 14current ratio 26.88
Current ratio from 1.93 to 26.88; short-term debt falls from €395,509 to €33,929.
31-12
Financial
Equity above €1mEq €1.1m ▲14.5%
8 profitable years in a row build equity to €1.1m.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €7,640 ▼96.1%
Net result drops to €7,640, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-12
Financial
Liquidity times 5current ratio 84.71
Current ratio from 18.08 to 84.71; short-term debt falls from €51,145 to €11,815.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
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.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Landen · 1 establishment unit since 2008
Ground area
1,321 m²
Building footprint
152 m²
Volume, LiDAR
1,088 m³
Parcel 24024A0059/00H002, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lilly's Corner
since 20082.172.321.631
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24024A0059/00H002 | Flanders | 1,321 m² | 1 · 152 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2024 · 1 entry · 113 EUR awarded · 113 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 113 EUR | 113 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
984500B453RLX7772B40
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Of 16,913 companies in this sector we hold annual accounts for 8,787. 3,805 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded11-06-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
73300Public relations and communication consultancy
14299Manufacture of wearing apparel
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
E-invoicing
Reachable via Peppol
Peppol ID
0208:0898648481
Also
9925:BE0898648481
Registered
28-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.