BAM
ActiveThe computed 12-month bankruptcy probability of BAM is 1.6% (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 61% of 18207 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-68
Solvency72▼-28
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.29 against 5.79 in 2024; short-term debt: 51.5% and cash: 3.2% of total assets), and 52.6% 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
47.4%
Return on assets
6.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
16 d early
2024
13 d late
2023
on the day
2022
17 d late
2021
3 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€206k▲ 16.7%
2024 · €177k
2021: €42k
2022: €66k
2023: €100k
2024: €177k
2021 → 2025
Total assets
€435k▲ 127%
2024 · €192k
2021: €64k
2022: €82k
2023: €127k
2024: €192k
2021 → 2025
Net result
€30k▼ 61.3%
2024 · €76k
2021: €37k
2022: €23k
2023: €35k
2024: €76k
2021 → 2025
Working capital
€-159k
2024 · €72k
2021: €41k
2022: €63k
2023: €14k
2024: €72k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€66k▲ 55.4%€100k▲ 53.0%€177k▲ 76.1%€206k▲ 16.7%
Operating result€47k-€31k▼ 34.0%€45k▲ 45.0%€97k▲ 117%€6k▼ 94.2%
Net result€37k-€23k▼ 37.2%€35k▲ 48.7%€76k▲ 120%€30k▼ 61.3%
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 94% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €435k
Fixed assets
€370k▲ 254%
Current assets
€65k▼ 25.3%
Equity and liabilities €435k
Equity
€206k▲ 16.7%
Debt
€229k▲ 1,419%
The debt ratio rises from 7.9% to 52.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €98k
Cash flow
€30k▼
2024 · €77k
Solvency
47.4%▼
2024 · 92.1%
Current ratio
0.29▼
2024 · 5.79
Quick ratio
0.29▼
2024 · 5.79
Debt / equity
1.11▲
2024 · 0.09
ROE
14.3%▼
2024 · 43.2%
ROA
6.8%▼
2024 · 39.8%
Interest coverage
0.56▼
2024 · 103.67
Debt
€229k▲
2024 · €15k
Debt ≤ 1 year
€224k▲
2024 · €15k
Income taxes
€13k▼
2024 · €21k
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€192k€435k▲
Fixed assets21/28€105k€370k▲
Tangible fixed assets22/27€607€0▼
Furniture and vehicles24€607€0▼
Financial fixed assets28€104k€370k▲
Current assets29/58€87k€65k▼
Amounts receivable within one year40/41€80k€3k▼
Trade receivables40€33k€0▼
Other amounts receivable41€47k€3k▼
Cash at bank and in hand54/58€6k€14k▲
Deferred charges and accrued income490/1€842€49k▲
Equity and liabilities
Total equity and liabilities10/49€192k€435k▲
Equity10/15€177k€206k▲
Contributions10/11€5k€5k=
Reserves13€172k€201k▲
Distributable reserves133€172k€201k▲
Amounts payable17/49€15k€229k▲
Amounts payable within one year42/48€15k€224k▲
Trade debts44€2k€12k▲
Suppliers440/4€2k€12k▲
Taxes, remuneration and social security45€13k€18k▲
Taxes450/3€13k€18k▲
Other amounts payable47/48-€194k
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€607▼
Other operating charges640/8€577€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€99k€9k▼
Operating profit (loss)9901€97k€6k▼
Financial income75/76B€842€48k▲
Recurring financial income75€842€48k▲
Financial charges65/66B€949€11k▲
Recurring financial charges65€949€11k▲
Profit (loss) for the period before taxes9903€97k€42k▼
Income taxes67/77€21k€13k▼
Profit (loss) for the period9904€76k€30k▼
Profit (loss) for the period to be appropriated9905€76k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€30k▼
Transfer to equity691/2€76k€30k▼
To other reserves6921€76k€30k▼
The notes to these accounts (7 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
15-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €200kEq €206k ▲16.7%
5 profitable years in a row build equity to €206k.
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
30-06
Financial
Highest result since 2021net €76k ▲120%
Operating result €97k, net result €76k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 5.79
Current ratio from 1.52 to 5.79; short-term debt falls from €26k to €15k.
30-06
Financial
Equity above €150kEq €177k ▲76.1%
4 profitable years in a row build equity to €177k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €100k ▲53%
3 profitable years in a row build equity to €100k.
17-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
30-06
Financial
Weakest financial yearnet €23k ▼37.2%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
03-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Roeselare · 1 establishment unit since 2020
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.
Blinde-Rodenbachstraat 908800 RoeselareGround area
2,998 m²
Building footprint
323 m²
Volume, LiDAR
2,160 m³
Parcel 36302B0193/00M000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAM
since 20202.309.925.237
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36302B0193/00M000 | Flanders | 2,998 m² | 1 · 323 m² | 8.6 m · 2 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.
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ARECO
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UMI Europe
BE 1013.626.244
Lier · Eq €193k
Of 237 companies in sector 47522 we hold annual accounts for 139. 99 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2020
Fiscal year end30-06
Activities, NACEBEL
47522Retail trade
47524Retail trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.