BAMA
ActiveBAMA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €219k and a net result of €36k. Equity is growing by ~59.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-18
Solvency45▲+12
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.12 in 2024), and 64.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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 · 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
35.8%
Return on assets
5.9%
Age of the figures
8 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 22-07-2026, 9 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
9 d early
2024
17 d early
2023
26 d early
2022
12 d early
2021
17 d early
2020
27 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€219k▲ 19.7%
2024 · €183k
2020: €4k
2021: €2k
2022: €55k
2023: €124k
2024: €183k
2020 → 2025
Total assets
€611k▼ 4.3%
2024 · €639k
2020: €485k
2021: €687k
2022: €671k
2023: €652k
2024: €639k
2020 → 2025
Net result
€36k▼ 38.8%
2024 · €59k
2020: €-46k
2021: €-2k
2022: €53k
2023: €68k
2024: €59k
2020 → 2025
Working capital
€-66k▲ 24.1%
2024 · €-87k
2020: €-50k
2021: €-220k
2022: €-184k
2023: €-130k
2024: €-87k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€55k▲ 2,794%€124k▲ 124%€183k▲ 47.6%€219k▲ 19.7%
Operating result€3k-€58k▲ 1,592%€73k▲ 25.3%€67k▼ 7.5%€52k▼ 22.7%
Net result€-2k-€53k€68k▲ 28.0%€59k▼ 13.9%€36k▼ 38.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €611k
Fixed assets
€607k▼ 3.2%
Current assets
€4k▼ 63.6%
Equity and liabilities €611k
Equity
€219k▲ 19.7%
Debt
€392k▼ 14.0%
The debt ratio falls from 71.4% to 64.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€72k▼
2024 · €88k
Cash flow
€56k▼
2024 · €79k
Solvency
35.8%▲
2024 · 28.6%
Current ratio
0.06▼
2024 · 0.12
Quick ratio
0.06▼
2024 · 0.12
Debt / equity
1.79▼
2024 · 2.50
ROE
16.5%▼
2024 · 32.2%
ROA
5.9%▼
2024 · 9.2%
Interest coverage
19.74▼
2024 · 21.93
Debt
€392k▼
2024 · €456k
Debt ≤ 1 year
€70k▼
2024 · €98k
Debt > 1 year
€322k▼
2024 · €358k
Income taxes
€12k▲
2024 · €4k
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€639k€611k▼
Fixed assets21/28€627k€607k▼
Tangible fixed assets22/27€627k€607k▼
Land and buildings22€627k€607k▼
Plant, machinery and equipment23€398€198▼
Current assets29/58€11k€4k▼
Amounts receivable within one year40/41€7k€1k▼
Trade receivables40€0-
Other amounts receivable41€7k€1k▼
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€639k€611k▼
Equity10/15€183k€219k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€133k€169k▲
Amounts payable17/49€456k€392k▼
Amounts payable after more than one year17€358k€322k▼
Financial debts170/4€358k€322k▼
Amounts payable within one year42/48€98k€70k▼
Current portion of amounts payable after more than one year42€35k€35k▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€4k€0▼
Taxes450/3€4k€0▼
Other amounts payable47/48€59k€35k▼
Accrued charges and deferred income492/3€246€232▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€90k€75k▼
Operating profit (loss)9901€67k€52k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€63k€48k▼
Income taxes67/77€4k€12k▲
Profit (loss) for the period9904€59k€36k▼
Profit (loss) for the period to be appropriated9905€59k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€133k€169k▲
Profit (loss) brought forward from the previous period14P€74k€133k▲
The notes to these accounts (13 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €219k ▲19.7%
4 profitable years in a row build equity to €219k.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €183k ▲47.6%
3 profitable years in a row build equity to €183k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €68k ▲28%
Operating result €73k, net result €68k, both a record.
31-12
Financial
Equity above €100kEq €124k ▲124%
2 profitable years in a row build equity to €124k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €53k
Net result €53k after 2 loss-making years.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
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, Orp-Jauche
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.
Avenue Albert Drossart(J) 341350 Orp-JaucheGround area
146 m²
Building footprint
92 m²
Volume, LiDAR
891 m³
Parcel 25046B0323/00H000, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25046B0323/00H000 | Wallonia | 146 m² | 1 · 92 m² | 11.7 m · 3 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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RACINO ESTATE
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VDB
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Of 11,974 companies in sector 68203 we hold annual accounts for 5,947. 4,274 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2019
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:cabinet.bama@gmail.com