BAMA
ActiveSummary
BAMA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.87M and a net result of €196k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability33▼-42
Solvency99▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 9.89 in 2024; short-term debt: 20.7% and cash: 1.6% of total assets), and 25.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
74.3%
Return on assets
5.1%
Age of the figures
12 mo
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
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 09-03-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
on the day
2023
4 d early
2022
2 d early
2021
1 d early
2020
31 d late
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.87M▼ 17.6%
2024 · €3.48M
2018: €2.12Mlowest in 8 years
2019: €2.23M▲ +5.0% vs 2018
2020: €2.44M▲ +9.8% vs 2019
2021: €2.74M▲ +12.3% vs 2020
2022: €3.03M▲ +10.3% vs 2021
2023: €3.50M▲ +15.6% vs 2022highest in 8 years
2024: €3.48M▼ -0.7% vs 2023
2025: €2.87M▼ -17.6% vs 2024
2018 → 2025
Total assets
€3.85M▼ 0.2%
2024 · €3.86M
2018: €2.18Mlowest in 8 years
2019: €2.33M▲ +6.9% vs 2018
2020: €2.51M▲ +7.7% vs 2019
2021: €2.79M▲ +11.0% vs 2020
2022: €3.04M▲ +9.2% vs 2021
2023: €3.80M▲ +24.9% vs 2022
2024: €3.86M▲ +1.6% vs 2023highest in 8 years
2025: €3.85M▼ -0.2% vs 2024
2018 → 2025
Net result
€196k▲ 4.9%
2024 · €187k
2018: €211k
2019: €205k▼ -2.9% vs 2018
2020: €219k▲ +6.6% vs 2019
2021: €300k▲ +37.3% vs 2020
2022: €284k▼ -5.4% vs 2021
2023: €689k▲ +143% vs 2022highest in 8 years
2024: €187k▼ -72.9% vs 2023lowest in 8 years
2025: €196k▲ +4.9% vs 2024
2018 → 2025
Working capital
€874k▼ 40.2%
2024 · €1.46M
2018: €1.01M
2019: €1.12M▲ +10.6% vs 2018
2020: €1.09M▼ -3.0% vs 2019
2021: €1.38M▲ +26.8% vs 2020
2022: €1.60M▲ +15.9% vs 2021highest in 8 years
2023: €1.54M▼ -3.7% vs 2022
2024: €1.46M▼ -5.0% vs 2023
2025: €874k▼ -40.2% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.74M-€3.03M▲ 10.3%€3.50M▲ 15.6%€3.48M▼ 0.7%€2.87M▼ 17.6%
2021: €2.74Mlowest in 5 years
2022: €3.03M▲ +10.3% vs 2021
2023: €3.50M▲ +15.6% vs 2022highest in 5 years
2024: €3.48M▼ -0.7% vs 2023
2025: €2.87M▼ -17.6% vs 2024
Operating result€104k-€62k▼ 40.1%€137k▲ 120%€12k▼ 91.0%€-52k
2021: €104k
2022: €62k▼ -40.1% vs 2021
2023: €137k▲ +120% vs 2022highest in 5 years
2024: €12k▼ -91.0% vs 2023
2025: €-52k▼ -522% vs 2024lowest in 5 years
Net result€300k-€284k▼ 5.4%€689k▲ 143%€187k▼ 72.9%€196k▲ 4.9%
2021: €300k
2022: €284k▼ -5.4% vs 2021
2023: €689k▲ +143% vs 2022highest in 5 years
2024: €187k▼ -72.9% vs 2023lowest in 5 years
2025: €196k▲ +4.9% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €52k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.85M
Fixed assets
€2.18M ▼ 2.5%
Current assets
€1.67M ▲ 3.0%
Equity and liabilities €3.85M
Equity
€2.87M ▼ 17.6%
Debt
€989k ▲ 157%
Debt's share of the balance-sheet total rises from 9.9% to 25.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€9k▼
2024 · €66k
Cash flow
€257k▲
2024 · €241k
Current ratio
2.09▼
2024 · 9.89
Debt to equity
0.35▲
2024 · 0.11
ROE
6.8%▲
2024 · 5.4%
ROA
5.1%▲
2024 · 4.8%
Interest coverage
0.94▼
2024 · 6.67
Debt ≤ 1 year
€799k▲
2024 · €164k
Debt > 1 year
€190k▼
2024 · €220k
Income taxes
€34k▲
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.86M€3.85M▼
Fixed assets21/28€2.24M€2.18M▼
Tangible fixed assets22/27€887k€830k▼
Land and buildings22€758k€743k▼
Furniture and vehicles24€97k€58k▼
Other tangible fixed assets26€32k€29k▼
Financial fixed assets28€1.35M€1.35M=
Current assets29/58€1.63M€1.67M▲
Amounts receivable after more than one year29€541k€691k▲
Other amounts receivable291€541k€691k▲
Amounts receivable within one year40/41€10k€13k▲
Trade receivables40€9k€12k▲
Other amounts receivable41€1k€1k▼
Current investments50/53€844k€907k▲
Cash at bank and in hand54/58€230k€61k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.86M€3.85M▼
Equity10/15€3.48M€2.87M▼
Contributions10/11€1.10M€285k▼
Reserves13€2.38M€2.58M▲
Non-distributable reserves130/1€110k€0▼
Reserves not available under the articles1311€110k€0▼
Distributable reserves133€2.27M€2.58M▲
Profit (loss) carried forward14€1k€2k▲
Amounts payable17/49€384k€989k▲
Amounts payable after more than one year17€220k€190k▼
Financial debts170/4€220k€190k▼
Amounts payable within one year42/48€164k€799k▲
Current portion of amounts payable after more than one year42€30k€30k=
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Other amounts payable47/48€126k€762k▲
Accrued charges and deferred income492/3-€185
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€61k▲
Other operating charges640/8€2k€12k▲
Gross operating margin9900€68k€20k▼
Operating profit (loss)9901€12k€-52k▼
Financial income75/76B€204k€291k▲
Recurring financial income75€204k€291k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€206k€230k▲
Income taxes67/77€19k€34k▲
Profit (loss) for the period9904€187k€196k▲
Profit (loss) for the period to be appropriated9905€187k€196k▲
Appropriation of the result
Profit (loss) to be appropriated9906€187k€198k▲
Profit (loss) brought forward from the previous period14P€379€1k▲
Transfer from equity791/2€210k€0▼
Transfer to equity691/2€186k€196k▲
To other reserves6921€186k€196k▲
Profit to be distributed694/7€210k€0▼
Return on contributions (dividend)694€210k€0▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €270 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €15k | €31k | €54k | €61k | ▲ 13.4% |
| Other operating charges640/8 | €2k | €968 | €2k | €2k | €12k | ▲ 557% |
| Gross operating margin9900 | €109k | €78k | €171k | €68k | €20k | ▼ 70.1% |
| Operating profit (loss)9901 | €104k | €62k | €137k | €12k | €-52k | ▼ 522% |
| Financial income75/76B | €256k | €276k | €634k | €204k | €291k | ▲ 43.1% |
| Recurring financial income75 | €256k | €276k | €634k | €204k | €291k | ▲ 43.1% |
| Financial charges65/66B | €327 | €9k | €8k | €10k | €9k | ▼ 8.6% |
| Recurring financial charges65 | €327 | €9k | €8k | €10k | €9k | ▼ 8.6% |
| Profit (loss) for the period before taxes9903 | €360k | €329k | €763k | €206k | €230k | ▲ 11.6% |
| Income taxes67/77 | €60k | €45k | €74k | €19k | €34k | ▲ 76.7% |
| Profit (loss) for the period9904 | €300k | €284k | €689k | €187k | €196k | ▲ 4.9% |
| Profit (loss) for the period to be appropriated9905 | €300k | €284k | €689k | €187k | €196k | ▲ 4.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.79M | €3.04M | €3.80M | €3.86M | €3.85M | ▼ 0.2% |
| Fixed assets21/28 | €1.37M | €1.43M | €2.21M | €2.24M | €2.18M | ▼ 2.5% |
| Tangible fixed assets22/27 | €17k | €82k | €864k | €887k | €830k | ▼ 6.4% |
| Land and buildings22 | - | - | €773k | €758k | €743k | ▼ 2.0% |
| Furniture and vehicles24 | €12k | €77k | €58k | €97k | €58k | ▼ 40.0% |
| Other tangible fixed assets26 | €5k | €5k | €34k | €32k | €29k | ▼ 9.6% |
| Financial fixed assets28 | €1.35M | €1.35M | €1.35M | €1.35M | €1.35M | = |
| Current assets29/58 | €1.42M | €1.61M | €1.59M | €1.63M | €1.67M | ▲ 3.0% |
| Amounts receivable after more than one year29 | €416k | €291k | €541k | €541k | €691k | ▲ 27.7% |
| Other amounts receivable291 | €416k | €291k | €541k | €541k | €691k | ▲ 27.7% |
| Amounts receivable within one year40/41 | €52k | €52k | €73k | €10k | €13k | ▲ 21.3% |
| Trade receivables40 | €52k | €22k | €11k | €9k | €12k | ▲ 28.0% |
| Other amounts receivable41 | - | €29k | €62k | €1k | €1k | ▼ 24.4% |
| Current investments50/53 | €634k | €867k | €806k | €844k | €907k | ▲ 7.5% |
| Cash at bank and in hand54/58 | €318k | €400k | €166k | €230k | €61k | ▼ 73.6% |
| Deferred charges and accrued income490/1 | €0 | €2k | €510 | €0 | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.79M | €3.04M | €3.80M | €3.86M | €3.85M | ▼ 0.2% |
| Equity10/15 | €2.74M | €3.03M | €3.50M | €3.48M | €2.87M | ▼ 17.6% |
| Contributions10/11 | €1.10M | €1.10M | €1.10M | €1.10M | €285k | ▼ 74.0% |
| Reserves13 | €1.64M | €1.92M | €2.41M | €2.38M | €2.58M | ▲ 8.2% |
| Non-distributable reserves130/1 | €110k | €110k | €110k | €110k | €0 | ▼ 100% |
| Reserves not available under the articles1311 | €110k | €110k | €110k | €110k | €0 | ▼ 100% |
| Distributable reserves133 | €1.53M | €1.81M | €2.30M | €2.27M | €2.58M | ▲ 13.4% |
| Profit (loss) carried forward14 | €6k | €10k | €379 | €1k | €2k | ▲ 17.5% |
| Amounts payable17/49 | €42k | €15k | €299k | €384k | €989k | ▲ 157% |
| Amounts payable after more than one year17 | - | - | €250k | €220k | €190k | ▼ 13.6% |
| Financial debts170/4 | - | - | €250k | €220k | €190k | ▼ 13.6% |
| Amounts payable within one year42/48 | €42k | €15k | €49k | €164k | €799k | ▲ 386% |
| Current portion of amounts payable after more than one year42 | - | - | €30k | €30k | €30k | = |
| Trade debts44 | €7k | €1k | €2k | €2k | €2k | ▼ 18.7% |
| Suppliers440/4 | €7k | €1k | €2k | €2k | €2k | ▼ 18.7% |
| Taxes, remuneration and social security45 | €33k | €14k | €6k | €6k | €5k | ▼ 12.5% |
| Taxes450/3 | €33k | €14k | €6k | €6k | €5k | ▼ 12.5% |
| Other amounts payable47/48 | €2k | €0 | €11k | €126k | €762k | ▲ 505% |
| Accrued charges and deferred income492/3 | - | - | - | - | €185 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €300k | €284k | €689k | €187k | €196k | ▲ 4.9% |
| + Depreciation and write-downs630 | €2k | €15k | €31k | €54k | €61k | ▲ 13.4% |
| Operating cash flow (approximation) | €303k | €298k | €721k | €241k | €257k | ▲ 6.8% |
| Investment in fixed assets (approximation) | - | €-80k | €-813k | €-77k | €-4k | ▲ 95.0% |
| Change in cash | - | €82k | €-234k | €64k | €-169k | ▼ 365% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €187k ▼72.9%
Net result drops to €187k, the lowest in the series; recovery starts the following year.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €689k ▲143%
Net result €689k, the highest in the series.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Liquidity triplescurrent ratio 104.07
Current ratio from 33.47 to 104.07; short-term debt falls from €42k to €15k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-04
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are 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, Sint-Lievens-Houtem · 1 establishment unit since 2004
Ground area
1,340 m²
Building footprint
277 m²
Volume, LiDAR
17 m³
Parcel 41063C0246/00W000, Flanders · tallest building 1.2 m. Linked by address, not a title deed.
1 establishment unit
BAMA BVBA
since 20042.145.756.992
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41063C0246/00W000 | Flanders | 1,340 m² | 1 · 277 m² | 1.2 m |
Linked by address, not proof of ownership
Good to know
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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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 16,323 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-12-2004
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.