BAMAPI
ActiveSummary
BAMAPI has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €46k. Equity is growing by ~77.9% per year across the filed fiscal years. Its solvency ranks better than 81% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 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
Profitability100▲+5
Solvency100▲+28
Growth78=
Track record94
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 ample (current ratio 1.86 against 0.19 in 2024; short-term debt: 11.2% and cash: 15.9% of total assets), and 11.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
88.8%
Return on assets
31.4%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
13 d late
2024
31 d early
2023
6 d early
2022
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€132k▲ 54.7%
2024 · €85k
2022: €24k
2023: €47k
2024: €85k
2022 → 2025
Total assets
€148k▼ 17.8%
2024 · €180k
2022: €267k
2023: €252k
2024: €180k
2022 → 2025
Net result
€46k▲ 20.8%
2024 · €38k
2022: €22k
2023: €24k
2024: €38k
2022 → 2025
Working capital
€14k
2024 · €-77k
2022: €-216k
2023: €-160k
2024: €-77k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€24k-€47k▲ 97.4%€85k▲ 79.4%€132k▲ 54.7%
Operating result€28k-€35k▲ 23.1%€50k▲ 43.7%€60k▲ 20.3%
Net result€22k-€24k▲ 12.5%€38k▲ 58.9%€46k▲ 20.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€117k ▼ 27.6%
Current assets
€31k ▲ 67.7%
Equity and liabilities €148k
Equity
€132k ▲ 54.7%
Debt
€17k ▼ 82.6%
Debt's share of the balance-sheet total falls from 52.8% to 11.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€107k▲
2024 · €97k
Cash flow
€93k▲
2024 · €85k
Current ratio
1.86▲
2024 · 0.19
Debt to equity
0.13▼
2024 · 1.12
ROE
35.3%▼
2024 · 45.3%
ROA
31.4%▲
2024 · 21.3%
Interest coverage
360.62▲
2024 · 306.60
Debt ≤ 1 year
€17k▼
2024 · €95k
Income taxes
€14k▲
2024 · €11k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€180k€148k▼
Fixed assets21/28€162k€117k▼
Intangible fixed assets21€114k€86k▼
Tangible fixed assets22/27€48k€31k▼
Plant, machinery and equipment23€500€0▼
Furniture and vehicles24€31k€21k▼
Other tangible fixed assets26€16k€10k▼
Current assets29/58€18k€31k▲
Amounts receivable within one year40/41€895€3k▲
Trade receivables40€895€3k▲
Cash at bank and in hand54/58€13k€24k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€180k€148k▼
Equity10/15€85k€132k▲
Contributions10/11€3k€3k=
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€58k€105k▲
Amounts payable17/49€95k€17k▼
Amounts payable within one year42/48€95k€17k▼
Trade debts44€8k€0▼
Suppliers440/4€8k€0▼
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€82k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€47k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€97k€107k▲
Operating profit (loss)9901€50k€60k▲
Financial income75/76B€10€368▲
Recurring financial income75€10€368▲
Financial charges65/66B€315€296▼
Recurring financial charges65€315€296▼
Profit (loss) for the period before taxes9903€50k€60k▲
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€38k€46k▲
Profit (loss) for the period to be appropriated9905€38k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€105k▲
Profit (loss) brought forward from the previous period14P€21k€58k▲
Profit to be distributed694/7€833€0▼
Return on contributions (dividend)694€833€0▼
The notes to these accounts (12 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Highest result since 2022net €46k ▲20.8%
Operating result €60k, net result €46k, both a record.
31-12
Financial
Liquidity times 10current ratio 1.86
Current ratio from 0.19 to 1.86; short-term debt falls from €95k to €17k.
31-12
Financial
Equity above €100kEq €132k ▲54.7%
4 profitable years in a row build equity to €132k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Chaumont-Gistoux · 1 establishment unit since 2022
Ground area
1,609 m²
Building footprint
122 m²
Parcel 25021B0035/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BAMAPI
since 20222.335.693.583
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25021B0035/00N000 | Wallonia | 1,609 m² | 1 · 122 m² | - |
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.
Similar companies · same sector, comparable size
Marchand MG-Hubert Néphro
BE 0843.111.528
Floreffe · Eq €131,318
Dr. Eveline Vercammen
BE 0733.557.451
Putte · Eq €131,282
Saadallah Tamer
BE 0798.190.729
Brasschaat · Eq €131,788
DR. CLAESSENS LUCAS
BE 1002.596.057
Maaseik · Eq €131,247
Dr. Pieterjan Debbaut
BE 0716.799.019
Kortrijk · Eq €131,815
Of 9,124 companies in sector 86210 we hold annual accounts for 6,336. 5,430 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.