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BAIMMO

Active
Private limited companyfounded 201312 yrs activeRue d'Alleur 27, 4000 Liège, BelgiumKBO/BCE: BE 0541.758.163
Summary

BAIMMO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €226,070 and a net result of €28,185. Equity is growing by ~17.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability78▲+5
Solvency84▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.71 in 2024; short-term debt: 21.2% and cash: 4.6% of total assets), and 40.6% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
59.4%
Return on assets
7.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 12 years 0 20 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 filings
Deviation from the deadline
2025
14 d late
2024
28 d late
2023
29 d late
2022
28 d late
2021
29 d late
2020
30 d late
2019
101 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 37 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 28 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 8 November 2013, BAIMMO was incorporated.1 Total assets went from EUR 429,660 in 2018 to EUR 380,737 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€226,070▲ 14.2%
2024 · €197,885
Total assets
€380,737▲ 1.0%
2024 · €377,141
Net result
€28,185▲ 11.3%
2024 · €25,319
Working capital
-€15,083▲ 29.2%
2024 · -€21,294
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€39,653▲ 12.2%€40,440▲ 2.0%€44,137▲ 9.1%€44,267▲ 0.3%€44,690▲ 1.0%
Net result€20,944▲ 14.0%€22,422▲ 7.1%€24,055▲ 7.3%€25,319▲ 5.3%€28,185▲ 11.3%
Equity€126,090▲ 19.9%€148,512▲ 17.8%€172,566▲ 16.2%€197,885▲ 14.7%€226,070▲ 14.2%
Total assets€395,188▼ 1.2%€388,653▼ 1.7%€387,269▼ 0.4%€377,141▼ 2.6%€380,737▲ 1.0%
Debt€269,098▼ 8.7%€240,141▼ 10.8%€214,703▼ 10.6%€179,256▼ 16.5%€154,667▼ 13.7%
Working capital-€36,089▲ 11.5%-€31,250▲ 13.4%-€26,173▲ 16.2%-€21,294▲ 18.6%-€15,083▲ 29.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000Operating result 2021: €39,653€39,653Net result 2021: €20,944€20,944Operating result 2022: €40,440€40,440Net result 2022: €22,422€22,422Operating result 2023: €44,137€44,137Net result 2023: €24,055€24,055Operating result 2024: €44,267€44,267Net result 2024: €25,319€25,319Operating result 2025: €44,690€44,690Net result 2025: €28,185€28,18520212022202320242025€0€20,000€40,000Operating result 2023: €44,137€44,100Net result 2023: €24,055€24,100Operating result 2024: €44,267€44,300Net result 2024: €25,319€25,300Operating result 2025: €44,690€44,700Net result 2025: €28,185€28,200202320242025
The operating result has risen four years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €380,737
Fixed assets €315,154 ▼ 3.4%
Current assets €65,583 ▲ 28.7%
Equity and liabilities €380,737
Equity €226,070 ▲ 14.2%
Debt €154,667 ▼ 13.7%
Debt's share of the balance-sheet total falls from 47.5% to 40.6%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€55,713▲
2024 · €55,289
Cash flow
€39,208▲
2024 · €36,342
Current ratio
0.81▲
2024 · 0.71
Debt to equity
0.68▼
2024 · 0.91
ROE
12.5%▼
2024 · 12.8%
ROA
7.4%▲
2024 · 6.7%
Interest coverage
8.92▲
2024 · 5.46
Debt ≤ 1 year
€80,666▲
2024 · €72,258
Debt > 1 year
€74,001▼
2024 · €106,998
Income taxes
€10,260▲
2024 · €8,824
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% 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
0.6% went bankrupt
3.8% stopped otherwise
95% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 34,679 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€377,141€380,737▲
Fixed assets21/28€326,177€315,154▼
Tangible fixed assets22/27€326,177€315,154▼
Land and buildings22€326,177€315,154▼
Current assets29/58€50,964€65,583▲
Amounts receivable within one year40/41€18,029€48,029▲
Other amounts receivable41€18,029€48,029▲
Cash at bank and in hand54/58€32,935€17,554▼
Equity and liabilities
Total equity and liabilities10/49€377,141€380,737▲
Equity10/15€197,885€226,070▲
Contributions10/11€18,600€18,600=
Reserves13€1,860€1,860=
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Profit (loss) carried forward14€177,425€205,610▲
Amounts payable17/49€179,256€154,667▼
Amounts payable after more than one year17€106,998€74,001▼
Financial debts170/4€106,998€74,001▼
Amounts payable within one year42/48€72,258€80,666▲
Current portion of amounts payable after more than one year42€37,113€38,761▲
Taxes, remuneration and social security45€824€11,084▲
Taxes450/3€824€11,084▲
Other amounts payable47/48€34,321€30,821▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,023€11,023=
Other operating charges640/8€5,412€5,572▲
Gross operating margin9900€60,701€61,285▲
Operating profit (loss)9901€44,267€44,690▲
Financial charges65/66B€10,124€6,245▼
Recurring financial charges65€10,124€6,245▼
Profit (loss) for the period before taxes9903€34,143€38,445▲
Income taxes67/77€8,824€10,260▲
Profit (loss) for the period9904€25,319€28,185▲
Profit (loss) for the period to be appropriated9905€25,319€28,185▲
Appropriation of the result
Profit (loss) to be appropriated9906€177,425€205,610▲
Profit (loss) brought forward from the previous period14P€152,106€177,425▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,023€11,023€11,023€11,023€11,023=
Other operating charges640/8€4,882€4,550€5,207€5,412€5,572▲ 3.0%
Gross operating margin9900€55,558€56,013€60,367€60,701€61,285▲ 1.0%
Operating profit (loss)9901€39,653€40,440€44,137€44,267€44,690▲ 1.0%
Financial income75/76B€0-----
Recurring financial income75€0-----
Financial charges65/66B€11,453€10,301€11,956€10,124€6,245▼ 38.3%
Recurring financial charges65€11,453€10,301€11,956€10,124€6,245▼ 38.3%
Profit (loss) for the period before taxes9903€28,200€30,139€32,181€34,143€38,445▲ 12.6%
Income taxes67/77€7,256€7,717€8,126€8,824€10,260▲ 16.3%
Profit (loss) for the period9904€20,944€22,422€24,055€25,319€28,185▲ 11.3%
Profit (loss) for the period to be appropriated9905€20,944€22,422€24,055€25,319€28,185▲ 11.3%
Line20212022202320242025Change
Assets
Total assets20/58€395,188€388,653€387,269€377,141€380,737▲ 1.0%
Fixed assets21/28€359,246€348,223€337,200€326,177€315,154▼ 3.4%
Tangible fixed assets22/27€359,246€348,223€337,200€326,177€315,154▼ 3.4%
Land and buildings22€359,246€348,223€337,200€326,177€315,154▼ 3.4%
Current assets29/58€35,942€40,430€50,069€50,964€65,583▲ 28.7%
Amounts receivable within one year40/41€17,972€18,029€18,029€18,029€48,029▲ 166%
Other amounts receivable41€17,972€18,029€18,029€18,029€48,029▲ 166%
Cash at bank and in hand54/58€17,971€22,401€32,040€32,935€17,554▼ 46.7%
Equity and liabilities
Total equity and liabilities10/49€395,188€388,653€387,269€377,141€380,737▲ 1.0%
Equity10/15€126,090€148,512€172,566€197,885€226,070▲ 14.2%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Reserves13€1,860€1,860€1,860€1,860€1,860=
Non-distributable reserves130/1€1,860€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860€1,860€1,860€1,860=
Profit (loss) carried forward14€105,630€128,052€152,106€177,425€205,610▲ 15.9%
Amounts payable17/49€269,098€240,141€214,703€179,256€154,667▼ 13.7%
Amounts payable after more than one year17€197,067€168,461€138,461€106,998€74,001▼ 30.8%
Financial debts170/4€197,067€168,461€138,461€106,998€74,001▼ 30.8%
Amounts payable within one year42/48€72,031€71,680€76,242€72,258€80,666▲ 11.6%
Current portion of amounts payable after more than one year42€27,276€28,713€33,116€37,113€38,761▲ 4.4%
Taxes, remuneration and social security45€1,256€467€626€824€11,084▲ 1,245%
Taxes450/3€1,256€467€626€824€11,084▲ 1,245%
Other amounts payable47/48€43,500€42,500€42,500€34,321€30,821▼ 10.2%
Line20212022202320242025Change
Profit (loss) for the period9904€20,944€22,422€24,055€25,319€28,185▲ 11.3%
+ Depreciation and write-downs630€11,023€11,023€11,023€11,023€11,023=
Operating cash flow (approximation)€31,967€33,444€35,078€36,342€39,208▲ 7.9%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash-€4,431€9,639€895-€15,381▼ 1,818%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
14-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial Highest result since 2018net €28,185 ▲11.3%
Operating result €44,690, net result €28,185, both a record.
31-12
Financial Equity above €200,000Eq €226,070 ▲14.2%
8 profitable years in a row build equity to €226,070.
28-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial Equity above €150,000Eq €172,566 ▲16.2%
6 profitable years in a row build equity to €172,566.
28-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
29-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial Equity above €100,000Eq €105,146 ▲21.2%
3 profitable years in a row build equity to €105,146.
09-11
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
27-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Liège · 1 establishment unit since 2013
seat establishment The establishment unit on the map
Ground area
1,298 m²
Building footprint
442 m²
Volume, LiDAR
2,519 m³
Parcel 62087B0093/00H000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Rue d'Alleur 27, 4000 Liège
Renting and operating of own or leased residential real estate, excluding social housing
since 20132.224.933.738
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62087B0093/00H000 Wallonia 1,298 m² 1 · 442 m² 7.7 m · 2 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded08-11-2013
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.