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Generated 13-07-2026
Active BE 0758.755.477Private limited company

BAM

Blinde-Rodenbachstraat 90 ·8800 Roeselare, Belgium· 5 yrs active
Sector: Retail trade (47522)
Conclusion Checked

The computed 12-month bankruptcy probability of BAM is 1.5% (moderate). The 2025 annual accounts show equity of €206k and a net result of €30k. Equity is growing by ~53.6% per year across the filed fiscal years. Its solvency ranks better than 70% of 1377 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €206k
Net result €30k
Better than sector 70%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health38Profitability72Solvency59Growth52Stability94
63 / 100

Strong profile, led by stability.

Health 38
Profitability 72
Solvency 59
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
1.5% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
38 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview5 NBB filings
Annual accounts filed on 15-01-2026 with the NBB · fiscal year 2025 · micro
€0€25k€50k€75k€100kOperating result 2021: €47k€47kNet result 2021: €37k€37kOperating result 2022: €31k€31kNet result 2022: €23k€23kOperating result 2023: €45k€45kNet result 2023: €35k€35kOperating result 2024: €97k€97kNet result 2024: €76k€76kOperating result 2025: €6k€6kNet result 2025: €30k€30k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~53.6%/year over 5 fiscal years, indicative, assuming unchanged policy.
€0€250k€500k€750k2026: €364k (€347k - €380k)2027: €559k (€542k - €575k)2028: €858k (€842k - €875k)2021: €42k2022: €66k2023: €100k2024: €177k2025: €206k20212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 47.4% 23.3%
better than 70% of 1377 sector peers
Net result €30k €8k
better than 76% of 1375 sector peers
Equity €206k €26k
better than 92% of 1378 sector peers
Gross operating margin €9k €36k
better than 26% of 1372 sector peers
Total assets €435k €133k
better than 85% of 1378 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€6k
-93.6% -95% vs sector
Net profit
€30k
-61.3% -61% vs sector
Cash flow
€30k
-61.0% -67% vs sector
Total assets
€435k
+126.9% -45% vs sector
Equity
€206k
+16.7% -35% vs sector
Working capital
€-159k
- far below sector median
Income taxes
€13k
-39.1% -65% vs sector
Debt
€229k
+1418.9% -48% vs sector
Debt ≤ 1y
€224k
+1387.9% -49% vs sector
Current ratio
0.29
-95.0% -80% vs sector
Quick ratio
0.29
-95.0% -72% vs sector
Solvency
47.4%
-48.5% +7% vs sector
Debt / equity
1.11
+1201.1% -12% vs sector
ROE
14.3%
-66.8% -44% vs sector
ROA
6.8%
-82.9% -8% vs sector
Interest coverage
0.56
-99.5% -98% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€6k
Net profit€30k
Cash flow€30k
Staff costs-
Income taxes€13k
Dividends-
Total assets€435k
Equity€206k
Debt€229k
of which ≤ 1y€224k
of which > 1y-
Working capital€-159k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.29
Quick ratio0.29
Working capital ratio-36.5%
Solvency47.4%
Debt / equity1.11
Long-term debt ratio-
Interest coverage0.56
Gross margin-
Net margin-
ROA6.8%
ROE14.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€435k
Fixed assets 21/28€370k
Tangible fixed assets 22/27€0
Financial fixed assets 28€370k
Current assets 29/58€65k
Amounts receivable within one year 40/41€3k
Cash & bank 54/58€14k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€435k
Equity 10/15€206k
Contributions / capital 10/11€5k
Reserves 13€201k
Amounts payable 17/49€229k
Amounts payable within one year 42/48€224k
Trade debts payable within one year 44€12k
Income statement
Gross operating margin 9900€9k
Operating result 9901€6k
Financial income 75€48k
Financial charges 65€11k
Result before taxes 9903€42k
Income taxes 67/77€13k
Net result for the period 9904€30k
Result to be appropriated 9905€30k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47522)
Legal form Private limited company(610)
Incorporation25-11-2020
StatusActive
Postal code8800
Establishment units 1 location
BAM
Blinde-Rodenbachstraat 90, 8800 RoeselareVervaardiging van ander schrijn- en timmerwerk
since 20202.309.925.237
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
36302B0193/00M000 Flanders 2,998 m² 1 · 323 m² 8.6 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
15-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
21-05-2025
State Gazette act Registered-office change
13-02-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
31-01-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
13-07-2023
State Gazette act Registered-office change
17-02-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
03-02-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
Belgisch Staatsblad, acts 2 acts
Address history · 2
21-05-2025
Registered-office move
13-07-2023
Registered-office move
All acts · 2 updated 1 year ago
2025
21-05-2025 Registered office moved from Oostkamp to Roeselare Registered-office change
  • Sint-Elooisstraat 78 bus 2.01, 8020 Oostkamp → Blinde-Rodenbachstraat 90, 8800 Roeselare
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Blinde-Rodenbachstraat 90, 8800 Roeselare",
        "city": "Roeselare",
        "region": "vlaams_gewest",
        "street": "Blinde-Rodenbachstraat",
        "country": "BE",
        "postcode": "8800",
        "box_number": null,
        "street_number": "90",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Sint-Elooisstraat 78 bus 2.01, 8020 Oostkamp",
        "city": "Oostkamp",
        "region": "vlaams_gewest",
        "street": "Sint-Elooisstraat",
        "country": "BE",
        "postcode": "8020",
        "box_number": "2.01",
        "street_number": "78",
        "locality_suffix": null
      },
      "effective_date": "2025-04-28",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "beide",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-05-21",
    "filing_date": "2025-05-13",
    "act_kind_objet": "Zetel (zetelverplaatsing)"
  },
  "decision": {
    "body": "bevoegde_bestuursorgaan",
    "date": "2025-04-28",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0758.755.477",
    "name_full": "BAM",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": "0882.371.584",
    "org_name": "NV TITECA ACCOUNTANCY",
    "person_name": "Manon De Groote",
    "org_rep_person_name": null,
    "person_role_at_subject": "Aangestelde"
  },
  "co_filed_documents": [
    "Volmacht aan accountant"
  ]
}
2023
13-07-2023 Registered office moved from Roeselare to Ruddervoorde Registered-office change
  • Blinde-Rodenbachstraat 90, 8800 Roeselare → Sint-Elooisstraat 78 bus 2.01 8020 Ruddervoorde
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Sint-Elooisstraat 78 bus 2.01\n8020 Ruddervoorde",
        "city": "Ruddervoorde",
        "region": "vlaams_gewest",
        "street": "Sint-Elooisstraat",
        "country": "BE",
        "postcode": "8020",
        "box_number": "2.01",
        "street_number": "78",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Blinde-Rodenbachstraat 90, 8800 Roeselare",
        "city": "Roeselare",
        "region": "vlaams_gewest",
        "street": "Blinde-Rodenbachstraat",
        "country": "BE",
        "postcode": "8800",
        "box_number": null,
        "street_number": "90",
        "locality_suffix": null
      },
      "effective_date": "2023-06-01",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-07-13",
    "filing_date": "2023-07-04",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enige_bestuurder",
    "date": "2023-07-04",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0758.755.477",
    "name_full": "B\u0410\u041C",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": "0882.371.584",
    "org_name": "NV Titeca Accountancy",
    "person_name": "Corneel Maertens",
    "org_rep_person_name": "Corneel Maertens",
    "person_role_at_subject": "Bijzonder gevolmachtigde"
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch Staatsblad"
  ]
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Detailhandel in houten bouw- en tuinmaterialen in gespecialiseerde winkels47522Detailhandel in houten bouw- en tuinmaterialen47522Detailhandel in parket-, laminaat- en kurkvloeren in gespecialiseerde winkels47524Detailhandel in parket-, laminaat- en kurkvloeren47524Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen47781Overige detailhandel, niet in winkels en exclusief markt- en straathandel47990
Primary activity highlighted.
Names & trade names
Legal nameNL BAM
Registered office
Blinde-Rodenbachstraat 90
8800 Roeselare, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative