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BAMAPI

Active Private limited companyfounded 2022active for 4 yearsRue de Mèves, Corroy 10, 1325 Chaumont-GistouxKBO/BCE: BE 0789.407.378
BAMAPI
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Overview

Lifetime

4 annual accounts with figures on one time axis
peak €107,320 (2025)
€107,320▲ 10.6%
peak €46,488 (2025)
€46,488▲ 20.8%
peak €131,519 (2025)
€131,519▲ 54.7%
€16,611▼ 82.6%
Board2 names since 2022
2 directorsHERMAND Nicolas Pierre and 1 other
Documentsfilings and deeds
13-08-202613 days late
2025micro format
Equity from €85,031 to €131,519Debts from €95,244 to €16,611Cash from €12,814 to €23,522

Key points

from the 2025 annual accounts

Equity

€131,519 ▲ 54.7%

BAMAPI has made a profit in every financial year since 2022.

Turnover

≈ €220,000 estimated

The micro format states no turnover.

Liquidity

1.86 was 0.19 in 2024

Short-term debts fell from €95,244 to €16,611.

Filings

4 annual accounts 1 late
AprilJune31 JulyOctober2022202320242025

The 2025 accounts came 13 days late. The other three were filed on time.

Position in the sector

88.8%

Higher solvency than 82% of companies in human health. Sector median 63.0% · 20,764 companies.

Checked score

97
Excellent
Financially stronger than 73% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: < 0.1% across 24,185 companies (NACE 86, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value 09-2026: < 0.1%▼ -0.2 percentage points vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value

Financial strength
Strong

100+28equity 88.8% of total assets
69+37short-term debt 11.2% · cash 15.9%
100+5return on assets 31.4%

Score breakdown

lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 1.86, cash €23,522
Figures for financial year 2025 (filed on 15-08-2026)
Equity €131,519 (88.8% of total assets)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 82% of them on solvency, 49% on liquidity, 80% on profitability and 81% on growth.

The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 39,278 companies had the same profile as BAMAPI has now. Each dot stands for 99 companies, two years later.

95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of BAMAPI itself is lower: < 0.1% within 12 months. It rests on far more data about BAMAPI than the profile alone.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 39,278 companies, not a prediction for BAMAPI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €12,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 1.86 (0.19 in 2024), above the usual 1.5. Short-term debt is 11.2% and cash 15.9% of total assets. 11.2% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Sector: Human health activities (NACE 86)
KBO
lowers risk · Liquidity: current ratio 1.86, cash €23,522
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 15-08-2026)
NBB · annual accounts
lowers risk · Equity €131,519 (88.8% of total assets)
NBB · annual accounts
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: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filings
Deviation from the deadline
2025
13 days late
2024
31 days early
2023
6 days early
2022
7 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 8 days before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 July (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Board and ownership

HN
HERMAND Nicolas Pierre
Director, since 04-08-2022
HF
HEYLEMANS France Aurore
Director, since 04-08-2022
  • HEYLEMANS France Aurore shareholderdeed of 08-08-2022
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0789407378
Incorporation Founding capital of €2,500, 100 shares · Founder: HEYLEMANS France Aurore (shareholder) · Appointments: HEYLEMANS France Aurore (director) and HERMAND Nicolas Pierre (director) · published on 08-08-2022 · Gazette deed
First establishment Rue de Mèves, Corroy 10, Chaumont-Gistoux
All 10 events

Comparable companies

same main activity, similar in size and age
Company
BAMAPI Chaumont-Gistoux €148,129 €107,320 88.8% -
DOCTEUR FLORENCE AUBERTIN Braine-l'Alleud €158,585 €108,355 57.1% -
DOCTEUR DEVUYST FLORENCE Uccle €155,559 €102,741 15.0% -
CMGPG Léglise €161,985 €108,837 43.6% -
Dr. Clarysse Stéphanie, huisarts Ghent €155,685 €106,986 77.9% -
PRAKTIJK MOUTERIJ Beringen €155,895 €116,329 6.2% -
DACMMG Fosses-la-Ville €157,188 €101,336 79.4% -

These companies have the same main activity as BAMAPI: general medical practice (NACE 86210). They are comparable in size and age: total assets between €156,000 and €162,000, founded between 2022 and 2023.

Official details

Source: KBO
Status
Active since 04-08-2022Normal situation
Activity
General medical practiceNACE 86210and 2 others
Establishment unit
2.335.693.5831325 Chaumont-Gistoux, since 04-08-2022
Financial year end
31 December
Peppol
Reachable since 19-01-2026
Company details

Annual accounts 2025

€107,320▲ 10.6%
€46,488▲ 20.8%
€131,519▲ 54.7%
€148,129▼ 17.8%
Filing
Filed on 13-08-2026
Financials

Insights on BAMAPI

BAMAPI files the micro format. That format states no turnover. The gross margin rose from €67,483 in 2022 to €107,320 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 13-08-2026, 13 days late
€107,320
▲ 10.6%
€60,080
▲ 20.3%
€46,488
▲ 20.8%
€14,337
▲ €91,129
88.8%
▲ 41.6 percentage points
1.86
▲ 1.67

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €220,000. Estimated: probably between €160,000 and €270,000.

Balance sheet

balance sheet total €148,129 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

88.8%

Higher than 82% of 20,764 companies in 2025.

1.86

Higher than 38% of 20,339 companies in 2025.

31.4%

Higher than 66% of 20,620 companies in 2025.

BAMAPI Middle half of the sector 80% of the sector Micro accounts in human health (NACE 86)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022
Balance sheet: assets
20/58 148,129180,275252,048267,160
21/28 117,182161,823207,347240,069
21 85,691114,269142,840171,420
22/27 31,49147,55464,50768,649
23 05001,0001,500
24 21,35431,16643,06853,731
26 10,13715,88820,43913,418
29/58 30,94818,45344,70127,091
40/41 2,562895--
40 2,562895--
54/58 23,52212,81442,11319,120
490/1 4,8634,7442,5887,972
Balance sheet: equity and liabilities
10/49 148,129180,275252,048267,160
10/15 131,51985,03147,38624,010
10/11 2,5002,5002,5002,500
13 24,20924,20924,209-
133 24,20924,20924,209-
14 104,81058,32220,67721,510
17/49 16,61195,244204,663243,151
42/48 16,61195,244204,663243,151
44 07,71936010,922
440/4 07,71936010,922
45 7,8055,2882,89616,300
450/3 7,8055,2882,89616,300
47/48 8,80582,237201,407215,928
Income statement
9900 107,32097,03185,92167,483
630 46,84146,71945,91636,771
640/8 4003875,2722,500
9901 60,08049,92534,73228,212
75/76B 3681020-
75 3681020-
65/66B 296315147402
65 296315147306
66B ---96
9903 60,15149,62034,60627,810
67/77 13,66311,14210,3976,300
9904 46,48838,47824,20921,510
9905 46,48838,47824,20921,510
Appropriation of the result
9906 104,81059,15545,71921,510
14P 58,32220,67721,510-
691/2 --24,209-
6921 --24,209-
694/7 0833833-
694 0833833-
Document PDFPDFPDFPDF

The notes to these accounts have 12 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 13-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 13 days after the deadline. Filed on 13 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00399528.

Financial year Type Filed Reference Document
31-12-2025 micro format 13-08-2026 2026-00399528 PDF
31-12-2024 micro format 30-06-2025 2025-00193254 PDF
31-12-2023 micro format 25-07-2024 2024-00282274 PDF
31-12-2022 micro format 24-07-2023 2023-00268711 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022
106,92196,64480,64864,983
93,32985,19770,12558,281
2,2001,19513,194301,840
10,709-29,30022,994-
14,337-76,792-159,961-216,059
88.8%47.2%18.8%9.0%
1.860.190.220.11
0.131.124.3210.13
35.3%45.3%51.1%89.6%
31.4%21.3%9.6%8.1%
over 100over 100over 100over 100

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item2025202420232022
Tangible fixed assets€2,200€1,195€13,194€101,840
Intangible fixed assets---€200,000
Financial fixed assets€0---
€46,841€46,719€45,916€36,771

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on BAMAPI

The operating result for 2025 is 20% higher than in 2024 and the highest since 2022. It is the third rise in a row.

Debt's share of the balance-sheet total falls from 52.8% to 11.2%. Equity is higher and debt is lower.

Board & ownership

Board

2 directors, since incorporation
HERMAND Nicolas Pierre
Director (not named in the articles)
since 04-08-2022
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 13-08-2026
HEYLEMANS France Aurore
Director (not named in the articles)
since 04-08-2022 term without a fixed end
listed in the 2025 annual accounts, filed on 13-08-2026

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
HERMAND Nicolas Pierre
Director (not named in the articles)
HEYLEMANS France Aurore
Director (not named in the articles)
Board
Mandates as a list
  • HERMAND Nicolas Pierre
    • Director (not named in the articles), from 04-08-2022 to date
  • HEYLEMANS France Aurore
    • Director (not named in the articles), from 04-08-2022 to date

See the board, name and registered office on a given date →

Control

Founder
HEYLEMANS France Aurore
This company
BAMAPI
Equity €131,519
Profit €46,488 in 2025

Capital

Contribution
€2,500
Shares
100
Contribution per share
€25
Equity per share
€1,315 in 2025
Source
deed of 08-08-2022

Articles of association

deed of 08-08-2022 (in French)
Board ruleThese rules set how the board is made up, meets and takes decisions.
“Identité transmise à l’Ordre des Médecins, identité personne physique représentant la personne morale transmise à l’Ordre des Médecins”
“Administrateurs non-statutaires révocables ad nutum sans indemnité, assemblée générale détermine nombre,durée et en cas de pluralité…”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June

Shareholders

At incorporation deed of 08-08-2022 ↗

Network & group

No group

BAMAPI has no parent and no holdings in its annual accounts.

Connections & network

1 connected company
Depth

The connected companies are in the list below.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
RT-script
via HERMAND Nicolas Pierre · Director · deed of 03-06-2024
Founded in 2024 · total assets €36,921 (2025)
→

Timeline

Timeline

10 events since 2022

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 13 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0789407378
2025
Highest result from 2022 to 2025 net €46,488 ▲20.8% The operating result of €60,080 and the net result of €46,488 are both a record.
Liquidity more than 9 times current ratio 1.86 The current ratio rises from 0.19 to 1.86. Short-term debt falls from €95,244 to €16,611.
Equity above €100,000 equity €131,519 ▲54.7% With a profit in every financial year since 2022, equity grows to €131,519.
Annual accounts 2024 filed PDFmicro format · 31 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 6 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 7 days before the deadline
2022
IncorporationFounding capital of €2,500, 100 shares · Founder: HEYLEMANS France Aurore (shareholder) · Appointments: HEYLEMANS France Aurore (director) and HERMAND Nicolas Pierre (director) · published on 08-08-20227 points ▸

Open the deed in the Belgian Official Gazette

First establishment Rue de Mèves, Corroy 10, Chaumont-Gistoux

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

BAMAPI was incorporated on 4 August 2022 as a private limited company by one natural person, with a starting capital of €2,500.12 The board currently has 2 members, 2 of whom have served since 2022.3 Total assets fell from €267,160 in 2022 to €148,129 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 08-08-2022
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2022 and 2025

Company details

Identity

Enterprise number
0789.407.378
VAT number
BE 0789.407.378
Peppol ID
0208:0789407378
Other Peppol ID
9925:BE0789407378
Legal form
Private limited company
Status
Active, normal situation
Founded
04-08-2022
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June
deed of 08-08-2022 (in French)
Peppol
Reachable since 19-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
BAMAPI in French
Entity type
Legal entity

Activities

NACEBEL 2025
86210 General medical practice main activity
62100 Computer programming
62200 Computer consultancy and computer facilities management
PurposeThe purpose describes the activities the company may carry out under its articles.
“En assurant la gestion d'un centre médical ou d'un cabinet médical,en ce compris l'acquisition,la location et l'entretien du matériel…”
5 activities
  1. En assurant la gestion d'un centre médical ou d'un cabinet médical,en ce compris l'acquisition,la location et l'entretien du matériel médical et des biens d'équipement,la facturation et la perception d'honoraires médicaux,la mise à disposition de tout ce qui est nécessaire à la pratique de l'art de guérir ;
  2. En permettant la création,la construction,la location,l'acquisition,l'organisation et le fonctionnement d'un cabinet médical ou d'un centre médical de nature à faciliter l'exercice de la profession de médecin ;
  3. En assurant la défense des intérêts professionnels,moraux et matériels des médecins travaillant dans le cadre de la société.
  4. En accomplissant toute transaction mobilière et immobilière concernant les locaux médicaux,l’achat du matériel médical et non médical,l’engagement du personnel administratif et paramédical ;
  5. En permettant la mise à disposition partielle du patrimoine au(x) administrateur(s).
deed of 08-08-2022 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue de Mèves, Corroy 10 registered office 1325 Chaumont-Gistoux 04-08-2022 2.335.693.583

Buildings and parcels at the address

Ground area
1,609 m²
Buildings
122 m²
Volume, LiDAR
953 m³
Tallest building
11.4 m
Buildings to scale, each on its own parcel
122 m², 11.4 m 122 m², 11.4 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
25021B0035/00N0001,609 m² 1 · 122 m² 11.4 m · 3

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