BAM Advisory
ActiveBAM Advisory has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €113k. Its solvency ranks better than 47% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency77
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity ample (current ratio 2.54; short-term debt: 30% and cash: 75.9% of total assets), and 47.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
52.1%
Return on assets
50.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 1 filingDeviation from the deadline
2025
10 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€116k
Total assets
€222k
Net result
€113k
Working capital
€103k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €222k
Fixed assets
€53k
Current assets
€169k
Equity and liabilities €222k
Equity
€116k
Debt
€106k
Debt finances 47.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€146k
Cash flow
€117k
Solvency
52.1%
Current ratio
2.54
Quick ratio
2.54
Debt / equity
0.92
ROE
97.4%
ROA
50.7%
Interest coverage
308.03
Debt
€106k
Debt ≤ 1 year
€67k
Debt > 1 year
€40k
Income taxes
€29k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€222k
Fixed assets21/28€53k
Tangible fixed assets22/27€53k
Furniture and vehicles24€53k
Current assets29/58€169k
Amounts receivable within one year40/41€603
Trade receivables40€603
Cash at bank and in hand54/58€169k
Equity and liabilities
Total equity and liabilities10/49€222k
Equity10/15€116k
Contributions10/11€3k
Profit (loss) carried forward14€113k
Amounts payable17/49€106k
Amounts payable after more than one year17€40k
Financial debts170/4€40k
Amounts payable within one year42/48€67k
Current portion of amounts payable after more than one year42€11k
Trade debts44€765
Suppliers440/4€765
Taxes, remuneration and social security45€55k
Taxes450/3€55k
Other amounts payable47/48€42
Income statement
Code2025
Goods, raw materials, services and sundry goods60/61€31k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k
Other operating charges640/8€2k
Gross operating margin9900€148k
Operating profit (loss)9901€142k
Financial charges65/66B€474
Recurring financial charges65€474
Profit (loss) for the period before taxes9903€142k
Income taxes67/77€29k
Profit (loss) for the period9904€113k
Profit (loss) for the period to be appropriated9905€113k
Appropriation of the result
Profit (loss) to be appropriated9906€113k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
28-07
State Gazette act
Incorporation · General meeting
Corporate purpose · Member admission
State Gazette actNBB filing
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, Seneffe · 1 establishment unit since 2025
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.
Rue de Saint Ethon 577181 SeneffeGround area
600 m²
Building footprint
120 m²
Parcel 52020C0452/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BAM Advisory
since 20252.377.358.548
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52020C0452/00N000 | Wallonia | 600 m² | 1 · 120 m² | - |
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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared director
→
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MEAN
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JARROW
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Vorst · Eq €116k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2025
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
71209Other technical testing and analysis
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.