Summary
Bamex is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €120,383 and a net result of €35,069. Equity is growing by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 80% of 2463 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 03-06-2026, 58 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
58 d early
2024
70 d early
2023
63 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 64 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 30 May (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€120,383▲ 41.1%
2024 · €85,314
Net result
€35,069▼ 10.1%
2024 · €38,988
Total assets
€146,974▲ 24.3%
2024 · €118,287
Solvency
81.9%▲ 9.8pp
2024 · 72.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€55,308-€49,609▼ 10.3%€43,852▼ 11.6%
Net result€43,325within the sector's middle half-€38,988within the sector's middle half▼ 10.0%€35,069within the sector's middle half▼ 10.1%
Equity€46,325within the sector's middle half-€85,314within the sector's middle half▲ 84.2%€120,383within the sector's middle half▲ 41.1%
Total assets€87,676below the sector's middle half-€118,287below the sector's middle half▲ 34.9%€146,974within the sector's middle half▲ 24.3%
Debt€41,351-€32,974▼ 20.3%€26,591▼ 19.4%
Working capital€35,208within the sector's middle half-€78,568within the sector's middle half▲ 123%€83,074within the sector's middle half▲ 5.7%
Solvency52.8%within the sector's middle half-72.1%within the sector's middle half▲ 19.3pp81.9%above the sector's middle half▲ 9.8pp
Current ratio1.97within the sector's middle half-3.38within the sector's middle half▲ 1.414.12within the sector's middle half▲ 0.74
Return on assets (ROA)49.4%above the sector's middle half-33.0%above the sector's middle half▼ 16.5pp23.9%above the sector's middle half▼ 9.1pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146,974
Fixed assets
€37,309 ▲ 453%
Current assets
€109,664 ▼ 1.7%
Equity and liabilities €146,974
Equity
€120,383 ▲ 41.1%
Debt
€26,591 ▼ 19.4%
Debt's share of the balance-sheet total falls from 27.9% to 18.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
29.1%▼
2024 · 45.7%
Debt ≤ 1 year
€26,591▼
2024 · €32,974
Income taxes
€8,781▼
2024 · €9,808
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,800 | €9,572 | €7,850 | ▼ 18.0% |
| Other operating charges640/8 | €63 | €0 | €88 | ▲ 17,859% |
| Gross operating margin9900 | €75,171 | €59,182 | €51,791 | ▼ 12.5% |
| Operating profit (loss)9901 | €55,308 | €49,609 | €43,852 | ▼ 11.6% |
| Financial income75/76B | €39 | €0 | €200 | ▲ 1,999,900% |
| Recurring financial income75 | €39 | €0 | €200 | ▲ 1,999,900% |
| Financial charges65/66B | €1,174 | €812 | €202 | ▼ 75.1% |
| Recurring financial charges65 | €1,174 | €812 | €202 | ▼ 75.1% |
| Profit (loss) for the period before taxes9903 | €54,173 | €48,797 | €43,850 | ▼ 10.1% |
| Income taxes67/77 | €10,847 | €9,808 | €8,781 | ▼ 10.5% |
| Profit (loss) for the period9904 | €43,325 | €38,988 | €35,069 | ▼ 10.1% |
| Profit (loss) for the period to be appropriated9905 | €43,325 | €38,988 | €35,069 | ▼ 10.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €87,676 | €118,287 | €146,974 | ▲ 24.3% |
| Fixed assets21/28 | €16,318 | €6,745 | €37,309 | ▲ 453% |
| Tangible fixed assets22/27 | €16,318 | €6,745 | €37,309 | ▲ 453% |
| Land and buildings22 | €3,165 | €1,898 | €632 | ▼ 66.7% |
| Furniture and vehicles24 | €13,153 | €4,847 | €36,678 | ▲ 657% |
| Current assets29/58 | €71,359 | €111,542 | €109,664 | ▼ 1.7% |
| Amounts receivable within one year40/41 | €18,321 | €14,540 | €12,958 | ▼ 10.9% |
| Trade receivables40 | €18,321 | €14,540 | €12,958 | ▼ 10.9% |
| Cash at bank and in hand54/58 | €53,037 | €97,002 | €96,706 | ▼ 0.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €87,676 | €118,287 | €146,974 | ▲ 24.3% |
| Equity10/15 | €46,325 | €85,314 | €120,383 | ▲ 41.1% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €43,325 | €82,314 | €117,383 | ▲ 42.6% |
| Distributable reserves133 | €43,325 | €82,314 | €117,383 | ▲ 42.6% |
| Amounts payable17/49 | €41,351 | €32,974 | €26,591 | ▼ 19.4% |
| Amounts payable after more than one year17 | €5,200 | - | - | - |
| Financial debts170/4 | €5,200 | - | - | - |
| Amounts payable within one year42/48 | €36,151 | €32,974 | €26,591 | ▼ 19.4% |
| Current portion of amounts payable after more than one year42 | €7,564 | €5,200 | - | - |
| Trade debts44 | €29 | €150 | €395 | ▲ 164% |
| Suppliers440/4 | €29 | €150 | €395 | ▲ 164% |
| Taxes, remuneration and social security45 | €17,133 | €15,844 | €17,715 | ▲ 11.8% |
| Taxes450/3 | €17,133 | €15,844 | €17,715 | ▲ 11.8% |
| Other amounts payable47/48 | €11,425 | €11,780 | €8,481 | ▼ 28.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €43,325 | €38,988 | €35,069 | ▼ 10.1% |
| + Depreciation and write-downs630 | €19,800 | €9,572 | €7,850 | ▼ 18.0% |
| Operating cash flow (approximation) | €63,125 | €48,561 | €42,920 | ▼ 11.6% |
| Investment in fixed assets (approximation) | - | €0 | -€38,414 | - |
| Change in cash | - | €43,964 | -€295 | ▼ 101% |
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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €35,069 ▼10.1%
Net result drops to €35,069, the lowest in the series.
31-12
Financial
Equity above €100,000Eq €120,383 ▲41.1%
3 profitable years in a row build equity to €120,383.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · 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.
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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, Bekkevoort · 1 establishment unit since 2022
Ground area
484 m²
Building footprint
196 m²
Volume, LiDAR
1,397 m³
Parcel 24002F0257/00N000, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Bamex
since 20222.333.265.021
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24002F0257/00N000 | Flanders | 484 m² | 1 · 196 m² | 12.8 m · 3 fl. |
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.
Similar companies · same sector, comparable size
COFAMEX
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RECK & CO. (BELGIUM)
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Expertises Bastijns
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PHOENIX STUDIO
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Mons · Eq €117,661
Of 853 companies in sector 66210 we hold annual accounts for 511. 442 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
Founded01-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
63920Other information service activities
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0787954952
Also
9925:BE0787954952
Registered
02-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.