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 €1.14M and a net result of €145k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
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 €95k 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.
Credit advice for your own amount and term
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
Sector 62
lower
← 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 →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.14M▲ 14.5%
2024 · €995k
2018: €1.41M
2019: €1.51M
2020: €1.52M
2021: €1.45M
2022: €1.28M
2023: €1.44M
2024: €995k
2018 → 2025
Total assets
€1.18M▼ 15.4%
2024 · €1.39M
2018: €1.46M
2019: €1.52M
2020: €1.53M
2021: €1.48M
2022: €1.30M
2023: €1.47M
2024: €1.39M
2018 → 2025
Net result
€145k▲ 615%
2024 · €20k
2018: €395k
2019: €101k
2020: €10k
2021: €194k
2022: €8k
2023: €166k
2024: €20k
2018 → 2025
Working capital
€878k▲ 139%
2024 · €367k
2018: €873k
2019: €989k
2020: €985k
2021: €947k
2022: €779k
2023: €954k
2024: €367k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.45M-€1.28M▼ 12.1%€1.44M▲ 13.0%€995k▼ 31.1%€1.14M▲ 14.5%
Operating result€22k-€2k▼ 90.5%€24k▲ 1,067%€19k▼ 20.5%€-31k
Net result€194k-€8k▼ 96.1%€166k▲ 2,076%€20k▼ 87.8%€145k▲ 615%
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 €31k after €19k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€264k ▼ 58.0%
Current assets
€912k ▲ 19.6%
Equity and liabilities €1.18M
Equity
€1.14M ▲ 14.5%
Debt
€37k ▼ 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
€21k▼
2024 · €61k
Cash flow
€197k▲
2024 · €62k
Current ratio
26.88▲
2024 · 1.93
Quick ratio
25.28▲
2024 · 1.80
Debt to equity
0.03▼
2024 · 0.40
ROE
12.7%▲
2024 · 2.0%
ROA
12.3%▲
2024 · 1.5%
Interest coverage
45.76▼
2024 · 233.99
Debt ≤ 1 year
€34k▼
2024 · €396k
Income taxes
€16k▲
2024 · €7k
Staff costs
€69k▲
2024 · €64k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.39M€1.18M▼
Fixed assets21/28€628k€264k▼
Tangible fixed assets22/27€198k€264k▲
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€29k€24k▼
Furniture and vehicles24€145k€219k▲
Other tangible fixed assets26€21k€20k▼
Financial fixed assets28€430k-
Current assets29/58€763k€912k▲
Amounts receivable after more than one year29-€500k
Other amounts receivable291-€500k
Stocks and contracts in progress3€50k€54k▲
Stocks30/36€50k€54k▲
Amounts receivable within one year40/41€24k€23k▼
Trade receivables40€18k€18k=
Other amounts receivable41€5k€4k▼
Current investments50/53€663k€303k▼
Cash at bank and in hand54/58€21k€30k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.18M▼
Equity10/15€995k€1.14M▲
Contributions10/11€6k€6k=
Reserves13€501k€646k▲
Distributable reserves133€501k€646k▲
Profit (loss) carried forward14€487k€487k=
Amounts payable17/49€396k€37k▼
Amounts payable within one year42/48€396k€34k▼
Trade debts44€9k€491▼
Suppliers440/4€9k€491▼
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€13k€9k▼
Other amounts payable47/48€371k€23k▼
Accrued charges and deferred income492/3€367€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€64k€69k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€52k▲
Other operating charges640/8€633€694▲
Gross operating margin9900€125k€90k▼
Operating profit (loss)9901€19k€-31k▼
Financial income75/76B€8k€224k▲
Recurring financial income75€8k€28k▲
Non-recurring financial income76B-€196k
Financial charges65/66B€260€33k▲
Recurring financial charges65€260€464▲
Non-recurring financial charges66B-€32k
Profit (loss) for the period before taxes9903€27k€160k▲
Income taxes67/77€7k€16k▲
Profit (loss) for the period9904€20k€145k▲
Profit (loss) for the period to be appropriated9905€20k€145k▲
Appropriation of the result
Profit (loss) to be appropriated9906€507k€632k▲
Profit (loss) brought forward from the previous period14P€487k€487k=
Transfer from equity791/2€469k-
Transfer to equity691/2€20k€145k▲
To other reserves6921€20k€145k▲
Profit to be distributed694/7€469k-
Return on contributions (dividend)694€469k-
The notes to these accounts (9 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
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 €396k to €34k.
31-12
Financial
Equity above €1MEq €1.14M ▲14.5%
8 profitable years in a row build equity to €1.14M.
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 €8k ▼96.1%
Net result drops to €8k, 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 €51k to €12k.
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.
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, Landen · 1 establishment unit since 2008
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.
Grote Steenweg 1443400 LandenGround 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
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 113 EUR awarded · 113 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 113 EUR | 113 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500B453RLX7772B40
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 3,808 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
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
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.