BAMACO
ActiveSummary
BAMACO has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €219,947 and a net result of €26,817. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 23% of 7524 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability43▲+2
Solvency42▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.1 against 1.11 in 2024; short-term debt: 82.9% and cash: 1.3% of total assets), and 82.9% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
17.1%
Return on assets
2.1%
Age of the figures
11 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7524 sector peers (2025).
NBB · sector comparisonPosition among 7524 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 29-04-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
4 d early
2023
25 d early
2022
34 d early
2021
69 d late
2020
5 d early
2019
360 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 47 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-10-2026 close31-05-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
In the rankings
#2 company by total assets in Chapelle-lez-Herlaimont, Construction sector#6 company by equity in Chapelle-lez-Herlaimont, Construction sector#7 oldest company in Chapelle-lez-Herlaimont, Construction sector
Equity
€219,947▲ 13.9%
2024 · €193,129
Total assets
€1.3m▲ 40.1%
2024 · €920,256
Net result
€26,817▲ 91.4%
2024 · €14,010
Working capital
€109,947▲ 32.3%
2024 · €83,129
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15,302▲ 9,465%€14,759▼ 3.5%€28,797▲ 95.1%€23,539▼ 18.3%€37,451▲ 59.1%
Net result€17,467€15,038▼ 13.9%€23,658▲ 57.3%€14,010▼ 40.8%€26,817▲ 91.4%
Equity€140,423▲ 14.2%€155,461▲ 10.7%€179,119▲ 15.2%€193,129▲ 7.8%€219,947▲ 13.9%
Total assets€150,613▲ 20.7%€325,345▲ 116%€361,778▲ 11.2%€920,256▲ 154%€1.3m▲ 40.1%
Debt€10,190▲ 471%€169,884▲ 1,567%€182,659▲ 7.5%€727,127▲ 298%€1.1m▲ 47.0%
Working capital€30,423▲ 135%€45,461▲ 49.4%€69,119▲ 52.0%€83,129▲ 20.3%€109,947▲ 32.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2024 Total assets +154% on 2023. Cause not known from the registers.
- 2022 Total assets +116% on 2021. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 59% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€110,000 =
Current assets
€1.2m ▲ 45.5%
Equity and liabilities €1.3m
Equity
€219,947 ▲ 13.9%
Debt
€1.1m ▲ 47.0%
Debt's share of the balance-sheet total rises from 79.0% to 82.9%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.10▼
2024 · 1.11
Quick ratio
0.06▼
2024 · 0.07
Debt to equity
4.86▲
2024 · 3.76
ROE
12.2%▲
2024 · 7.3%
ROA
2.1%▲
2024 · 1.5%
Debt ≤ 1 year
€1.1m▲
2024 · €727,127
Income taxes
€10,045▲
2024 · €5,100
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,653 companies that looked in July 2024 the way this one looks now, 0.9% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
0.9%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,653 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €376 | €154 | €846 | €119 | €510 | ▲ 327% |
| Gross operating margin9900 | €15,679 | €14,914 | €29,643 | €23,658 | €37,961 | ▲ 60.5% |
| Operating profit (loss)9901 | €15,302 | €14,759 | €28,797 | €23,539 | €37,451 | ▲ 59.1% |
| Financial income75/76B | €2,388 | €4,375 | €3,897 | €344 | - | - |
| Recurring financial income75 | €2,388 | €4,375 | €3,897 | €344 | - | - |
| Financial charges65/66B | €224 | €134 | €396 | €4,773 | €589 | ▼ 87.7% |
| Recurring financial charges65 | €224 | €134 | €396 | €4,773 | €589 | ▼ 87.7% |
| Profit (loss) for the period before taxes9903 | €17,467 | €19,001 | €32,298 | €19,111 | €36,862 | ▲ 92.9% |
| Income taxes67/77 | - | €3,963 | €8,639 | €5,100 | €10,045 | ▲ 97.0% |
| Profit (loss) for the period9904 | €17,467 | €15,038 | €23,658 | €14,010 | €26,817 | ▲ 91.4% |
| Profit (loss) for the period to be appropriated9905 | €17,467 | €15,038 | €23,658 | €14,010 | €26,817 | ▲ 91.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €150,613 | €325,345 | €361,778 | €920,256 | €1.3m | ▲ 40.1% |
| Fixed assets21/28 | €110,000 | €110,000 | €110,000 | €110,000 | €110,000 | = |
| Tangible fixed assets22/27 | €110,000 | €110,000 | €110,000 | €110,000 | €110,000 | = |
| Land and buildings22 | €110,000 | €110,000 | €110,000 | €110,000 | €110,000 | = |
| Current assets29/58 | €40,613 | €215,345 | €251,778 | €810,256 | €1.2m | ▲ 45.5% |
| Stocks and contracts in progress3 | - | €196,104 | €214,449 | €762,370 | €1.1m | ▲ 46.5% |
| Stocks30/36 | - | €196,104 | €214,449 | €762,370 | €1.1m | ▲ 46.5% |
| Amounts receivable within one year40/41 | €3,279 | €5,086 | €25,441 | €20,856 | €45,372 | ▲ 118% |
| Trade receivables40 | €2,760 | €5 | €15,005 | €12,608 | €44,796 | ▲ 255% |
| Other amounts receivable41 | €519 | €5,081 | €10,436 | €8,247 | €577 | ▼ 93.0% |
| Cash at bank and in hand54/58 | €37,334 | €14,155 | €11,888 | €27,031 | €16,743 | ▼ 38.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €150,613 | €325,345 | €361,778 | €920,256 | €1.3m | ▲ 40.1% |
| Equity10/15 | €140,423 | €155,461 | €179,119 | €193,129 | €219,947 | ▲ 13.9% |
| Contributions10/11 | €81,205 | €81,205 | €86,280 | €86,280 | €86,280 | = |
| Reserves13 | €5,075 | €5,075 | - | - | - | - |
| Non-distributable reserves130/1 | €5,075 | €5,075 | - | - | - | - |
| Reserves not available under the articles1311 | €5,075 | €5,075 | - | - | - | - |
| Profit (loss) carried forward14 | €54,142 | €69,180 | €92,839 | €106,849 | €133,667 | ▲ 25.1% |
| Amounts payable17/49 | €10,190 | €169,884 | €182,659 | €727,127 | €1.1m | ▲ 47.0% |
| Amounts payable within one year42/48 | €10,190 | €169,884 | €182,659 | €727,127 | €1.1m | ▲ 47.0% |
| Trade debts44 | €9,553 | €5,285 | €4,755 | €551,563 | €894,776 | ▲ 62.2% |
| Suppliers440/4 | €9,553 | €5,285 | €4,755 | €551,563 | €894,776 | ▲ 62.2% |
| Taxes, remuneration and social security45 | - | €3,963 | €17,903 | €11,357 | €10,045 | ▼ 11.5% |
| Taxes450/3 | - | €3,963 | €17,903 | €11,357 | €10,045 | ▼ 11.5% |
| Other amounts payable47/48 | €637 | €160,637 | €160,001 | €164,207 | €164,206 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,467 | €15,038 | €23,658 | €14,010 | €26,817 | ▲ 91.4% |
| Operating cash flow (approximation) | €17,467 | €15,038 | €23,658 | €14,010 | €26,817 | ▲ 91.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€23,179 | -€2,267 | €15,143 | -€10,287 | ▼ 168% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-10
Financial
Highest result since 2018net €26,817 ▲91.4%
Operating result €37,451, net result €26,817, both a record.
31-10
Financial
Equity above €200,000Eq €219,947 ▲13.9%
5 profitable years in a row build equity to €219,947.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-10
Financial
Equity above €150,000Eq €155,461 ▲10.7%
2 profitable years in a row build equity to €155,461.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 69 days late
2021
31-10
Financial
Back to profitnet €17,467
Net result €17,467 after one loss-making year.
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 360 days late
2020
31-10
Financial
Weakest financial yearnet -€102
Net result drops to -€102, the lowest in the series; recovery starts the following year.
Show earlier events
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Chapelle-lez-Herlaimont · 1 establishment unit since 1995
Ground area
2,656 m²
Building footprint
159 m²
Volume, LiDAR
1,298 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Jules Destrée(L.L) 55, 7100 La Louvière
since 19952.073.971.351
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52027A0153/00K000 | Wallonia | 1,547 m² | 1 · 12 m² | 2.0 m |
| 55022A0464/00W005 | Wallonia | 1,109 m² | 1 · 146 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,456 companies in sector 41003 we hold annual accounts for 1,055. 710 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
Founded02-11-1995
Fiscal year end31-10
Activities, NACEBEL 2025
41003General construction of other non-residential buildings
68121Development of residential building projects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456448841
Registered
27-03-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.