BAMIE 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 €430k and a net result of €13k. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 7980 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
11 d late
2023
6 d late
2022
1 d early
2021
6 d early
2020
68 d early
2019
67 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€430k▲ 3.1%
2024 · €417k
2019: €29k
2020: €88k
2021: €203k
2022: €290k
2023: €348k
2024: €417k
2019 → 2025
Net result
€13k▼ 81.3%
2024 · €69k
2019: €5k
2020: €58k
2021: €115k
2022: €87k
2023: €58k
2024: €69k
2019 → 2025
Total assets
€431k▼ 0.4%
2024 · €433k
2019: €89k
2020: €111k
2021: €240k
2022: €309k
2023: €375k
2024: €433k
2019 → 2025
Solvency
99.8%▲ 3.4pp
2024 · 96.4%
2019: 33.2%
2020: 79.2%
2021: 84.8%
2022: 94.1%
2023: 93.0%
2024: 96.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€203k-€290k▲ 42.8%€348k▲ 20.0%€417k▲ 19.8%€430k▲ 3.1%
Operating result€152k-€135k▼ 11.7%€84k▼ 37.9%€75k▼ 9.8%€14k▼ 80.8%
Net result€115k-€87k▼ 24.6%€58k▼ 33.3%€69k▲ 18.7%€13k▼ 81.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 81% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €431k
Fixed assets
€3k▼ 39.6%
Current assets
€428k=
Equity and liabilities €431k
Equity
€430k▲ 3.1%
Debt
€1k▼ 93.5%
The debt ratio falls from 3.6% to 0.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.8%▲
2024 · 96.4%
ROE
3.0%▼
2024 · 16.5%
ROA
3.0%▼
2024 · 15.9%
Debt
€1k▼
2024 · €16k
Debt ≤ 1 year
€880▼
2024 · €16k
Income taxes
€6k▼
2024 · €28k
A ratio outside any meaningful range has been withheld (balance sheet total €431k, equity €430k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€433k€431k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€1k-
Financial fixed assets28€2k€2k=
Current assets29/58€428k€428k=
Amounts receivable within one year40/41€20k€1k▼
Other amounts receivable41€20k€1k▼
Current investments50/53€298k€275k▼
Cash at bank and in hand54/58€106k€152k▲
Deferred charges and accrued income490/1€4k€44▼
Equity and liabilities
Total equity and liabilities10/49€433k€431k▼
Equity10/15€417k€430k▲
Contributions10/11€19k€19k=
Reserves13€399k€411k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€397k€410k▲
Amounts payable17/49€16k€1k▼
Amounts payable within one year42/48€16k€880▼
Trade debts44-€187
Suppliers440/4-€187
Taxes, remuneration and social security45€16k€693▼
Taxes450/3€16k€693▼
Other amounts payable47/48€1-
Accrued charges and deferred income492/3€262€151▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€81k€18k▼
Operating profit (loss)9901€75k€14k▼
Financial income75/76B€21k€4k▼
Recurring financial income75€21k€4k▼
Financial charges65/66B€69€47▼
Recurring financial charges65€69€47▼
Profit (loss) for the period before taxes9903€96k€19k▼
Income taxes67/77€28k€6k▼
Profit (loss) for the period9904€69k€13k▼
Profit (loss) for the period to be appropriated9905€69k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€13k▼
Transfer to equity691/2€69k€13k▼
To other reserves6921€69k€13k▼
The notes to these accounts (7 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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity times 18current ratio 486.65
Current ratio from 27.63 to 486.65; short-term debt falls from €16k to €880.
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
06-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity triplescurrent ratio 16.82
Current ratio from 6.03 to 16.82; short-term debt falls from €37k to €18k.
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €115k ▲97.3%
Operating result €152k, net result €115k, both a record.
30-06
Financial
Equity above €200kEq €203k ▲131%
3 profitable years in a row build equity to €203k.
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Liquidity triplescurrent ratio 4.21
Current ratio from 1.31 to 4.21; short-term debt falls from €59k to €23k.
2019
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
15-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
23-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
07-12
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.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Herselt · 1 establishment unit since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kapelleweg(RAM) 92230 HerseltGround area
1,338 m²
Building footprint
110 m²
Volume, LiDAR
476 m³
Parcel 13034I0225/00Y000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BAMIE
since 20092.178.998.003
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13034I0225/00Y000 | Flanders | 1,338 m² | 1 · 110 m² | 6.5 m · 1 fl. |
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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,747. 13,708 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2009
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.