BAMOFISC
ActiveSummary
BAMOFISC has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €812,281 and a net result of €107,373. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 3337 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▼-12
Solvency77▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 3.13 against 4.39 in 2024; short-term debt: 9.6% and cash: 5.5% of total assets), and 47.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
52.1%
Return on assets
6.9%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
1 d early
2023
33 d early
2022
30 d early
2021
19 d early
2019
31 d late
2018
31 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 8 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 31 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€812,281▲ 26.2%
2024 · €643,423
Total assets
€1.6m▲ 11.0%
2024 · €1.4m
Net result
€107,373▼ 53.3%
2024 · €230,127
Working capital
€318,621▼ 45.8%
2024 · €588,353
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting 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
Line20212022202320242025
Operating result€100,286-€133,652▲ 33.3%€134,916▲ 0.9%€355,874▲ 164%€247,069▼ 30.6%
Net result€70,835above the sector's middle half-€82,480above the sector's middle half▲ 16.4%€85,775above the sector's middle half▲ 4.0%€230,127within the sector's middle half▲ 168%€107,373within the sector's middle half▼ 53.3%
Equity€248,266within the sector's middle half-€330,746above the sector's middle half▲ 33.2%€414,897above the sector's middle half▲ 25.4%€643,423within the sector's middle half▲ 55.1%€812,281above the sector's middle half▲ 26.2%
Total assets€425,760within the sector's middle half-€800,986above the sector's middle half▲ 88.1%€995,544above the sector's middle half▲ 24.3%€1.4mwithin the sector's middle half▲ 41.2%€1.6mwithin the sector's middle half▲ 11.0%
Debt€177,494-€470,240▲ 165%€580,647▲ 23.5%€761,887▲ 31.2%€747,027▼ 2.0%
Working capital€104,030within the sector's middle half-€118,402within the sector's middle half▲ 13.8%€103,542within the sector's middle half▼ 12.6%€588,353within the sector's middle half▲ 468%€318,621within the sector's middle half▼ 45.8%
Solvency58.3%within the sector's middle half-41.3%within the sector's middle half▼ 17.0pp41.7%within the sector's middle half▲ 0.4pp45.8%within the sector's middle half▲ 4.1pp52.1%within the sector's middle half▲ 6.3pp
Current ratio1.91within the sector's middle half-1.51within the sector's middle half▼ 0.401.34within the sector's middle half▼ 0.164.39above the sector's middle half▲ 3.053.13within the sector's middle half▼ 1.27
Return on assets (ROA)16.6%within the sector's middle half-10.3%within the sector's middle half▼ 6.3pp8.6%within the sector's middle half▼ 1.7pp16.4%within the sector's middle half▲ 7.8pp6.9%within the sector's middle half▼ 9.5pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2024 Net result +168% on 2023. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€1.1m ▲ 69.5%
Current assets
€468,395 ▼ 38.5%
Equity and liabilities €1.6m
Equity
€812,281 ▲ 26.2%
Debt
€747,027 ▼ 2.0%
Debt's share of the balance-sheet total falls from 54.2% to 47.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€334,535▼
2024 · €424,405
Cash flow
€194,840▼
2024 · €298,658
Debt to equity
0.92▼
2024 · 1.18
ROE
13.2%▼
2024 · 35.8%
Interest coverage
12.47▼
2024 · 20.21
Debt ≤ 1 year
€149,774▼
2024 · €173,394
Debt > 1 year
€584,931▲
2024 · €577,916
Income taxes
€68,518▼
2024 · €104,834
Staff costs
€23▼
2024 · €85
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 17,811 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €27,800 | €136,489 | - | - |
| Remuneration, social security and pensions62 | - | €154 | €153 | €85 | €23 | ▼ 72.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,682 | €24,048 | €119,331 | €68,531 | €87,466 | ▲ 27.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €65,543 | -€5,328 | - | - | - |
| Other operating charges640/8 | €4,481 | €1,746 | €4,349 | €7,932 | €4,788 | ▼ 39.6% |
| Gross operating margin9900 | €115,450 | €225,144 | €253,421 | €432,422 | €339,347 | ▼ 21.5% |
| Operating profit (loss)9901 | €100,286 | €133,652 | €134,916 | €355,874 | €247,069 | ▼ 30.6% |
| Financial income75/76B | €10,703 | €5,252 | €5,324 | €91 | €18,806 | ▲ 20,627% |
| Recurring financial income75 | €5,713 | €5,252 | €5,324 | €91 | €18,806 | ▲ 20,627% |
| Non-recurring financial income76B | €4,990 | - | - | - | - | - |
| Financial charges65/66B | €3,348 | €3,664 | €13,357 | €21,004 | €26,833 | ▲ 27.8% |
| Recurring financial charges65 | €3,348 | €3,664 | €13,357 | €21,004 | €26,833 | ▲ 27.8% |
| Profit (loss) for the period before taxes9903 | €107,641 | €135,240 | €126,883 | €334,960 | €239,042 | ▼ 28.6% |
| Transfer to deferred taxes680 | - | - | - | - | €63,150 | - |
| Income taxes67/77 | €36,806 | €52,760 | €41,109 | €104,834 | €68,518 | ▼ 34.6% |
| Profit (loss) for the period9904 | €70,835 | €82,480 | €85,775 | €230,127 | €107,373 | ▼ 53.3% |
| Profit (loss) for the period to be appropriated9905 | €70,835 | €82,480 | €85,775 | €230,127 | €107,373 | ▼ 53.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €425,760 | €800,986 | €995,544 | €1.4m | €1.6m | ▲ 11.0% |
| Formation expenses20 | - | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €207,260 | €448,211 | €589,267 | €643,563 | €1.1m | ▲ 69.5% |
| Tangible fixed assets22/27 | €2,452 | €243,404 | €384,459 | €438,756 | €886,105 | ▲ 102% |
| Land and buildings22 | - | €243,175 | €384,459 | €369,165 | €821,296 | ▲ 122% |
| Plant, machinery and equipment23 | €447 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €2,005 | €229 | €0 | €0 | €0 | - |
| Other tangible fixed assets26 | - | - | - | €69,591 | €64,809 | ▼ 6.9% |
| Financial fixed assets28 | €204,807 | €204,807 | €204,807 | €204,807 | €204,807 | = |
| Current assets29/58 | €218,501 | €352,774 | €406,277 | €761,747 | €468,395 | ▼ 38.5% |
| Amounts receivable after more than one year29 | €130,000 | - | - | - | - | - |
| Other amounts receivable291 | €130,000 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €30,290 | €5 | €125,600 | €105,874 | €130,965 | ▲ 23.7% |
| Trade receivables40 | €11,134 | - | €43,000 | €1,774 | - | - |
| Other amounts receivable41 | €19,156 | €5 | €82,600 | €104,100 | €130,965 | ▲ 25.8% |
| Current investments50/53 | - | - | - | €233,000 | €233,000 | = |
| Cash at bank and in hand54/58 | €56,994 | €351,295 | €279,982 | €422,868 | €85,164 | ▼ 79.9% |
| Deferred charges and accrued income490/1 | €1,217 | €1,475 | €696 | €5 | €19,267 | ▲ 380,662% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €425,760 | €800,986 | €995,544 | €1.4m | €1.6m | ▲ 11.0% |
| Equity10/15 | €248,266 | €330,746 | €414,897 | €643,423 | €812,281 | ▲ 26.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €155,843 | €238,322 | €324,097 | €554,224 | €723,081 | ▲ 30.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | - | - | - | €63,150 | - |
| Distributable reserves133 | €153,983 | €236,462 | €322,237 | €552,364 | €658,071 | ▲ 19.1% |
| Profit (loss) carried forward14 | €73,824 | €73,824 | €72,200 | €70,600 | €70,600 | = |
| Amounts payable17/49 | €177,494 | €470,240 | €580,647 | €761,887 | €747,027 | ▼ 2.0% |
| Amounts payable after more than one year17 | €63,024 | €235,867 | €271,634 | €577,916 | €584,931 | ▲ 1.2% |
| Financial debts170/4 | €63,024 | €235,867 | €271,634 | €577,916 | €584,931 | ▲ 1.2% |
| Amounts payable within one year42/48 | €114,470 | €234,372 | €302,735 | €173,394 | €149,774 | ▼ 13.6% |
| Current portion of amounts payable after more than one year42 | €32,940 | €40,754 | €27,234 | €36,675 | €37,984 | ▲ 3.6% |
| Financial debts43 | €30,000 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Credit institutions430/8 | €30,000 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Trade debts44 | €39,422 | €110,420 | €83,970 | €10,203 | €11,675 | ▲ 14.4% |
| Suppliers440/4 | €39,422 | €110,420 | €83,970 | €10,203 | €11,675 | ▲ 14.4% |
| Advances received on contracts in progress46 | - | - | €72,600 | - | - | - |
| Taxes, remuneration and social security45 | €10,078 | €50,901 | €63,535 | €62,710 | €49,490 | ▼ 21.1% |
| Taxes450/3 | €10,078 | €50,901 | €63,535 | €62,710 | €49,490 | ▼ 21.1% |
| Other amounts payable47/48 | €2,031 | €2,297 | €25,396 | €33,807 | €20,625 | ▼ 39.0% |
| Accrued charges and deferred income492/3 | - | - | €6,279 | €10,577 | €12,322 | ▲ 16.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,835 | €82,480 | €85,775 | €230,127 | €107,373 | ▼ 53.3% |
| + Depreciation and write-downs630 | €10,682 | €24,048 | €119,331 | €68,531 | €87,466 | ▲ 27.6% |
| Operating cash flow (approximation) | €81,517 | €106,528 | €205,106 | €298,658 | €194,840 | ▼ 34.8% |
| Investment in fixed assets (approximation) | - | -€265,000 | -€260,386 | -€122,828 | -€534,815 | ▼ 335% |
| Change in cash | - | €294,301 | -€71,313 | €142,886 | -€337,704 | ▼ 336% |
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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €230,127 ▲168%
Operating result €355,874, net result €230,127, both a record.
30-09
Financial
Liquidity triplescurrent ratio 4.39
Current ratio from 1.34 to 4.39; short-term debt falls from €302,735 to €173,394.
30-09
Financial
Equity above €500,000Eq €643,423 ▲55.1%
6 profitable years in a row build equity to €643,423.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200,000Eq €248,266 ▲39.9%
3 profitable years in a row build equity to €248,266.
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 27 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Lebbeke · 1 establishment unit since 2009
Ground area
1,159 m²
Building footprint
229 m²
Volume, LiDAR
689 m³
Parcel 42322D0550/00C004, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Bamofisc
since 20092.179.740.745
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42322D0550/00C004 | Flanders | 1,159 m² | 1 · 229 m² | 8.0 m · 1 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.
Structure & network
Owners and holdings
1 holdingOwners 0
No owner stated in the accounts, acts or LEI register we read.
Holdings 1
- B & F CONSULTsubsidiary98.92%
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 108 EUR awarded · 108 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 108 EUR | 108 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 4,802 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
Founded24-04-2009
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0811368673
Also
9925:BE0811368673
Registered
24-11-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.