BAMA
ActiveBAMA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €9k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 68% of 9135 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 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
Profitability72▲+1
Solvency79▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.06 in 2024; short-term debt: 15.8% and cash: 0.6% of total assets), and 46.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
53.6%
Return on assets
3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
28 d early
2023
5 d early
2022
17 d early
2021
26 d late
2020
59 d late
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€166k▲ 5.8%
2024 · €156k
2018: €122k
2019: €132k
2020: €128k
2021: €145k
2022: €146k
2023: €152k
2024: €156k
2018 → 2025
Total assets
€309k▼ 4.7%
2024 · €324k
2018: €449k
2019: €418k
2020: €395k
2021: €387k
2022: €361k
2023: €342k
2024: €324k
2018 → 2025
Net result
€9k▲ 86.0%
2024 · €5k
2018: €8k
2019: €9k
2020: €-3k
2021: €17k
2022: €472
2023: €6k
2024: €5k
2018 → 2025
Working capital
€-46k▼ 6.3%
2024 · €-44k
2018: €-11k
2019: €-25k
2020: €-35k
2021: €-26k
2022: €-33k
2023: €-39k
2024: €-44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€146k▲ 0.3%€152k▲ 4.1%€156k▲ 3.2%€166k▲ 5.8%
Operating result€29k-€5k▼ 81.4%€13k▲ 147%€12k▼ 12.1%€17k▲ 48.9%
Net result€17k-€472▼ 97.2%€6k▲ 1,149%€5k▼ 16.7%€9k▲ 86.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €309k
Fixed assets
€306k▼ 4.6%
Current assets
€3k▼ 8.0%
Equity and liabilities €309k
Equity
€166k▲ 5.8%
Debt
€143k▼ 14.5%
The debt ratio falls from 51.7% to 46.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €28k
Cash flow
€24k▲
2024 · €22k
Solvency
53.6%▲
2024 · 48.3%
Current ratio
0.05▼
2024 · 0.06
Quick ratio
0.05▼
2024 · 0.06
Debt / equity
0.86▼
2024 · 1.07
ROE
5.5%▲
2024 · 3.1%
ROA
3.0%▲
2024 · 1.5%
Interest coverage
8.09▲
2024 · 6.34
Debt
€143k▼
2024 · €167k
Debt ≤ 1 year
€49k▲
2024 · €46k
Debt > 1 year
€93k▼
2024 · €120k
Income taxes
€4k▲
2024 · €2k
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€324k€309k▼
Fixed assets21/28€321k€306k▼
Tangible fixed assets22/27€321k€306k▼
Land and buildings22€321k€306k▼
Furniture and vehicles24€568€268▼
Current assets29/58€3k€3k▼
Amounts receivable within one year40/41€130€570▲
Trade receivables40€0-
Other amounts receivable41€130€570▲
Cash at bank and in hand54/58€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€324k€309k▼
Equity10/15€156k€166k▲
Contributions10/11€60k€60k=
Reserves13€96k€106k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€93k€102k▲
Amounts payable17/49€167k€143k▼
Amounts payable after more than one year17€120k€93k▼
Financial debts170/4€120k€93k▼
Amounts payable within one year42/48€46k€49k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€984€2k▲
Taxes450/3€984€2k▲
Other amounts payable47/48€17k€17k▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€15k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€32k€36k▲
Operating profit (loss)9901€12k€17k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€7k€13k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€5k€9k▲
Profit (loss) for the period to be appropriated9905€5k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€9k▲
Transfer to equity691/2€5k€9k▲
To other reserves6921€5k€9k▲
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €152k ▲4.1%
3 profitable years in a row build equity to €152k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 59 days late
2020
31-12
Financial
Weakest financial yearnet €-3k ▼136%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ieper · 1 establishment unit since 2015
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.
Veurnseweg 5028906 IeperGround area
1.1 ha
Building footprint
330 m²
Volume, LiDAR
1,651 m³
2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAMA
since 20152.288.331.255
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33007C0281/00K000 | Flanders | 9,988 m² | 1 · 188 m² | 8.5 m · 1 fl. |
| 33020C0724/00F000 | Flanders | 625 m² | 1 · 142 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MEDTIL
BE 0783.387.440
Ieper · Eq €165k
CAGLAR
BE 1017.959.570
Lanaken · Eq €165k
Schrauwen Logistiek
BE 0433.529.424
Essen · Eq €165k
JEROVILLE
BE 0460.687.147
Steenokkerzeel · Eq €166k
NAVEZ RE
BE 0438.047.941
Erpe-Mere · Eq €165k
Of 12,016 companies in sector 68203 we hold annual accounts for 5,983. 4,156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-12-1994
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.