BAM & Co
ActiveThe computed 12-month bankruptcy probability of BAM & Co is 1.7% (moderate). The 2025 annual accounts show equity of €66k and a net result of €11k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 7391 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+27
Solvency97▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 2.81 in 2024; short-term debt: 21.1% and cash: 16% of total assets), and 28.5% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
71.5%
Return on assets
11.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
38 d early
2024
43 d early
2023
34 d early
2022
40 d early
2021
1 d early
2020
56 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 19.4%
2024 · €55k
2020: €16k
2021: €36k
2022: €72k
2023: €52k
2024: €55k
2020 → 2025
Total assets
€93k▲ 4.2%
2024 · €89k
2020: €53k
2021: €322k
2022: €150k
2023: €115k
2024: €89k
2020 → 2025
Net result
€11k▲ 256%
2024 · €3k
2020: €16k
2021: €20k
2022: €36k
2023: €-19k
2024: €3k
2020 → 2025
Working capital
€40k▲ 7.2%
2024 · €37k
2020: €-13k
2021: €-13k
2022: €47k
2023: €32k
2024: €37k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€72k▲ 102%€52k▼ 27.0%€55k▲ 5.7%€66k▲ 19.4%
Operating result€30k-€48k▲ 59.7%€-18k€10k€14k▲ 42.0%
Net result€20k-€36k▲ 85.3%€-19k€3k€11k▲ 256%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 42% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€33k▲ 6.6%
Current assets
€59k▲ 2.9%
Equity and liabilities €93k
Equity
€66k▲ 19.4%
Debt
€26k▼ 21.0%
The debt ratio falls from 37.6% to 28.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▲
2024 · €25k
Cash flow
€23k▲
2024 · €19k
Solvency
71.5%▲
2024 · 62.4%
Current ratio
3.04▲
2024 · 2.81
Quick ratio
3.04▲
2024 · 2.81
Debt / equity
0.40▼
2024 · 0.60
ROE
16.2%▲
2024 · 5.4%
ROA
11.6%▲
2024 · 3.4%
Interest coverage
11.98▲
2024 · 3.91
Debt
€26k▼
2024 · €33k
Debt ≤ 1 year
€20k▼
2024 · €21k
Debt > 1 year
€7k▼
2024 · €13k
Income taxes
€789▲
2024 · €229
Staff costs
€49k▼
2024 · €59k
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€89k€93k▲
Fixed assets21/28€31k€33k▲
Tangible fixed assets22/27€30k€33k▲
Plant, machinery and equipment23€26k€18k▼
Furniture and vehicles24€4k€15k▲
Other tangible fixed assets26€457€0▼
Financial fixed assets28€658€600▼
Current assets29/58€58k€59k▲
Amounts receivable within one year40/41€47k€43k▼
Trade receivables40€43k€40k▼
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€11k€15k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€89k€93k▲
Equity10/15€55k€66k▲
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€40k€50k▲
Amounts payable17/49€33k€26k▼
Amounts payable after more than one year17€13k€7k▼
Financial debts170/4€13k€7k▼
Amounts payable within one year42/48€21k€20k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€8k€11k▲
Suppliers440/4€8k€11k▲
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€394€966▲
Remuneration and social security454/9€6k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€59k€49k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€12k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€87k€78k▼
Operating profit (loss)9901€10k€14k▲
Financial income75/76B€155€97▼
Recurring financial income75€155€97▼
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€3k€12k▲
Income taxes67/77€229€789▲
Profit (loss) for the period9904€3k€11k▲
Profit (loss) for the period to be appropriated9905€3k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€50k▲
Profit (loss) brought forward from the previous period14P€37k€40k▲
The notes to these accounts (10 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
19-03
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 11 februari 2026
- Registered-office move, Luxemburgstraat 20, 9140 Temse
2025
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-19k ▼153%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2020net €36k ▲85.3%
Operating result €48k, net result €36k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2020
Resigned as Director
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2019
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.
Luxemburgstraat 209140 TemseGround area
7,219 m²
Building footprint
1,412 m²
Volume, LiDAR
16,298 m³
Parcel 46025B0179/09E000, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BAM & Co
since 20192.294.667.632
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0179/09E000 | Flanders | 7,219 m² | 1 · 1,412 m² | 16.4 m · 4 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.
Structure & network
Connections & network
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 13,218 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2019
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43310Plastering work
42110Construction of roads and motorways
43120Site preparation
43211General electrical installation work
43341Painting of buildings
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.