BA-GROUP & CO
ActiveThe computed 12-month bankruptcy probability of BA-GROUP & CO is 1.6% (moderate). The 2025 annual accounts show equity of €137k and a net result of €40k. Equity is growing by ~37.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 18016 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency26▼-24
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.43 in 2024), and 85.8% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
14.2%
Return on assets
4.2%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-07-2026, 10 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
10 d early
2024
5 d early
2023
18 d early
2022
6 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€137k▲ 8.1%
2024 · €126k
2022: €58k
2023: €67k
2024: €126k
2022 → 2025
Total assets
€962k▲ 104%
2024 · €473k
2022: €116k
2023: €316k
2024: €473k
2022 → 2025
Net result
€40k▼ 33.0%
2024 · €60k
2022: €48k
2023: €10k
2024: €60k
2022 → 2025
Working capital
€203k▲ 45.1%
2024 · €140k
2022: €55k
2023: €75k
2024: €140k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€58k-€67k▲ 16.3%€126k▲ 88.2%€137k▲ 8.1%
Operating result€66k-€26k▼ 59.9%€96k▲ 263%€82k▼ 14.4%
Net result€48k-€10k▼ 78.6%€60k▲ 488%€40k▼ 33.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €962k
Fixed assets
€5k▼ 0.7%
Current assets
€958k▲ 105%
Equity and liabilities €962k
Equity
€137k▲ 8.1%
Debt
€826k▲ 138%
The debt ratio rises from 73.3% to 85.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€83k▼
2024 · €97k
Cash flow
€41k▼
2024 · €61k
Solvency
14.2%▼
2024 · 26.7%
Current ratio
1.27▼
2024 · 1.43
Quick ratio
0.73▼
2024 · 0.77
Debt / equity
6.04▲
2024 · 2.74
ROE
29.4%▼
2024 · 47.5%
ROA
4.2%▼
2024 · 12.7%
Interest coverage
2.33▼
2024 · 4.64
Debt
€826k▲
2024 · €346k
Debt ≤ 1 year
€755k▲
2024 · €328k
Debt > 1 year
€40k
Income taxes
€12k▼
2024 · €15k
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€473k€962k▲
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€923€602▼
Furniture and vehicles24€1k€2k▲
Financial fixed assets28€2k€2k=
Current assets29/58€468k€958k▲
Stocks and contracts in progress3€214k€409k▲
Stocks30/36€214k€409k▲
Amounts receivable within one year40/41€75k€346k▲
Trade receivables40€39k€89k▲
Other amounts receivable41€36k€257k▲
Cash at bank and in hand54/58€171k€177k▲
Deferred charges and accrued income490/1€8k€25k▲
Equity and liabilities
Total equity and liabilities10/49€473k€962k▲
Equity10/15€126k€137k▲
Contributions10/11€10k€10k=
Reserves13€116k€127k▲
Distributable reserves133€116k€127k▲
Amounts payable17/49€346k€826k▲
Amounts payable after more than one year17-€40k
Financial debts170/4-€40k
Amounts payable within one year42/48€328k€755k▲
Financial debts43€300k€710k▲
Credit institutions430/8€300k€710k▲
Trade debts44€9k€347▼
Suppliers440/4€9k€347▼
Taxes, remuneration and social security45€18k€18k▲
Taxes450/3€18k€18k▲
Remuneration and social security454/9€300-
Other amounts payable47/48€1k€26k▲
Accrued charges and deferred income492/3€18k€31k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€906€1k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€12k-
Gross operating margin9900€111k€86k▼
Operating profit (loss)9901€96k€82k▼
Financial income75/76B€251€5k▲
Recurring financial income75€1€5k▲
Non-recurring financial income76B€250-
Financial charges65/66B€21k€36k▲
Recurring financial charges65€21k€36k▲
Profit (loss) for the period before taxes9903€75k€52k▼
Income taxes67/77€15k€12k▼
Profit (loss) for the period9904€60k€40k▼
Profit (loss) for the period to be appropriated9905€60k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€40k▼
Transfer to equity691/2€59k€10k▼
To other reserves6921€59k€10k▼
Profit to be distributed694/7€830€30k▲
Return on contributions (dividend)694€830€30k▲
The notes to these accounts (8 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €60k ▲488%
Operating result €96k, net result €60k, both a record.
31-12
Financial
Equity above €100kEq €126k ▲88.2%
3 profitable years in a row build equity to €126k.
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €10k ▼78.6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Hasselt · 1 establishment unit since 2022
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.
Spalbeekstraat 473510 HasseltGround area
1,199 m²
Building footprint
153 m²
Volume, LiDAR
617 m³
Parcel 71054A0249/00Y000, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BA Cars Selection
since 20222.326.269.836
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71054A0249/00Y000 | Flanders | 1,199 m² | 1 · 153 m² | 9.1 m · 1 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
DEGRANDE M
BE 0756.675.917
Deerlijk · Eq €137k
S&N Transport
BE 0556.737.438
Genk · Eq €137k
GARAGE ESSELENS
BE 0707.676.960
Opwijk · Eq €136k
AUTO CLK
BE 0635.893.693
Schaarbeek · Eq €137k
Y-CARS AUTOMOBILES
BE 0797.396.814
Châtelet · Eq €136k
Of 10,620 companies in sector 47811 we hold annual accounts for 5,193. 3,682 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2022
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45112
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
46180Agents specialised in the wholesale of other particular products
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:basaamahmed2@gmail.com
Phone:0486/28 29 51