BAM BELGIUM is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €85.4m and a net result of €10.1m. Equity has been shrinking by about 5.6% per year since 2018. Its solvency ranks better than 84% of 3,028 sector peers (NACE 64, financial year 2025). The company has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals.
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Checked score
The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 50 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 June (5 of the last 5 accounts filed within 30 days either side of that date).
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications
Key points
Positive: Result rose in 2025from €5.6m to €10.1m▲ 79.7%View
Positive: Higher net result than 92% of companies in financial servicessector median €104,602 · 3,030 companies€10.1mView
Positive: Filed on time since financial year 2018accounts within the deadline every year8 yearsView
New directorlatest change 02-02-2026 · 3 in office1 joinedView
Recent changes
· Gazette deedResignation: Ernst & Young Bedrijfsrevisoren bv (statutory auditor)Appointment: KPMG Bedrijfsrevisoren bv/srl (statutory auditor) · Permanent representatives: Christophe Van Parys and Wim Straetmans
· Gazette deedResignation: On Track bv (director)Permanent representatives: Bruno Van Loocke and Wim Straetmans · Appointment: Jochen Van Dijk (director)
· Gazette deedPermanent representatives: Daniel Wuyts and Bruno Van LoockeReappointment: EY Bedrijfsrevisoren bv (statutory auditor)
These companies have the same main activity as BAM BELGIUM: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €85m and €98m, founded between 1986 and 1992.