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 4033 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
- Equity
- €812,281
- Profit
- €107,373
- Holdings
- 1
Why 93- Liquidity: current ratio 3.13, cash €85,164, halved+ Sector Legal and accounting activities (NACE 69)+ Size: total assets €1.6m+ Figures for FY 2025 (filed 26-03-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Sector Legal and accounting activities (NACE 69) lowers the probability
- Size: total assets €1.6m lowers the probability for this profile
- Figures for FY 2025 (filed 26-03-2026) lowers the probability
- Liquidity: current ratio 3.13, cash €85,164, halved raises the probability
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 48%, liquidity 42%, profitability 30%, growth against the median 69%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
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)
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Highest result since 2018net €230,127 ▲168%
Financials · fiscal year 2025, abbreviated schema
2021 to 2025, 5 fiscal years 2018 to 2025, 7 fiscal years
The operating result falls in 2025; 2025 is 31% below 2024.
What the company sold each fiscal year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
- 2024 Net result +168% on 2023. The accounts now follow the abbreviated schema, last year the micro schema.
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 96% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
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 497,471 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% | 1.8% |
| 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.
| Line | 2018 | 2019 | 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 | €1,583 | €3,033 | €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 | €2,172 | €11,640 | €115,450 | €225,144 | €253,421 | €432,422 | €339,347 | ▼ 21.5% |
| Operating profit (loss)9901 | -€1,672 | €6,514 | €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 | €2 | €2,056 | €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 | €504 | €1,971 | €3,348 | €3,664 | €13,357 | €21,004 | €26,833 | ▲ 27.8% |
| Profit (loss) for the period before taxes9903 | €3,602 | €11,932 | €107,641 | €135,240 | €126,883 | €334,960 | €239,042 | ▼ 28.6% |
| Transfer to deferred taxes680 | - | - | - | - | - | - | €63,150 | - |
| Income taxes67/77 | €3,082 | €6,821 | €36,806 | €52,760 | €41,109 | €104,834 | €68,518 | ▼ 34.6% |
| Profit (loss) for the period9904 | €520 | €5,111 | €70,835 | €82,480 | €85,775 | €230,127 | €107,373 | ▼ 53.3% |
| Profit (loss) for the period to be appropriated9905 | €520 | €5,111 | €70,835 | €82,480 | €85,775 | €230,127 | €107,373 | ▼ 53.3% |
| Line | 2018 | 2019 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €0.2m | €0.4m | €0.4m | €0.8m | €1.0m | €1.4m | €1.6m | ▲ 11.0% |
| Formation expenses20 | - | - | - | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €0.002m | €0.2m | €0.2m | €0.4m | €0.6m | €0.6m | €1.1m | ▲ 69.5% |
| Tangible fixed assets22/27 | €0.002m | €0.004m | €0.002m | €0.2m | €0.4m | €0.4m | €0.9m | ▲ 102% |
| Land and buildings22 | - | - | - | €0.2m | €0.4m | €0.4m | €0.8m | ▲ 122% |
| Plant, machinery and equipment23 | - | - | €447 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | - | - | €0.002m | €229 | €0 | €0 | €0 | - |
| Other tangible fixed assets26 | - | - | - | - | - | €0.07m | €0.06m | ▼ 6.9% |
| Financial fixed assets28 | - | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Current assets29/58 | €0.2m | €0.1m | €0.2m | €0.4m | €0.4m | €0.8m | €0.5m | ▼ 38.5% |
| Amounts receivable after more than one year29 | - | - | €0.1m | - | - | - | - | - |
| Other amounts receivable291 | - | - | €0.1m | - | - | - | - | - |
| Amounts receivable within one year40/41 | €0.03m | €0.04m | €0.03m | €5 | €0.1m | €0.1m | €0.1m | ▲ 23.7% |
| Trade receivables40 | - | - | €0.01m | - | €0.04m | €0.002m | - | - |
| Other amounts receivable41 | - | - | €0.02m | €5 | €0.08m | €0.1m | €0.1m | ▲ 25.8% |
| Current investments50/53 | - | - | - | - | - | €0.2m | €0.2m | = |
| Cash at bank and in hand54/58 | €0.2m | €0.05m | €0.06m | €0.4m | €0.3m | €0.4m | €0.09m | ▼ 79.9% |
| Deferred charges and accrued income490/1 | - | - | €0.001m | €0.001m | €0.001m | €5 | €0.02m | ▲ 380,662% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €0.2m | €0.4m | €0.4m | €0.8m | €1.0m | €1.4m | €1.6m | ▲ 11.0% |
| Equity10/15 | €0.2m | €0.2m | €0.2m | €0.3m | €0.4m | €0.6m | €0.8m | ▲ 26.2% |
| Contributions10/11 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.08m | €0.09m | €0.2m | €0.2m | €0.3m | €0.6m | €0.7m | ▲ 30.5% |
| Non-distributable reserves130/1 | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Reserves not available under the articles1311 | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Tax-exempt reserves132 | - | - | - | - | - | - | €0.06m | - |
| Distributable reserves133 | - | - | €0.2m | €0.2m | €0.3m | €0.6m | €0.7m | ▲ 19.1% |
| Profit (loss) carried forward14 | €0.08m | €0.07m | €0.07m | €0.07m | €0.07m | €0.07m | €0.07m | = |
| Amounts payable17/49 | €0.02m | €0.2m | €0.2m | €0.5m | €0.6m | €0.8m | €0.7m | ▼ 2.0% |
| Amounts payable after more than one year17 | - | €0.1m | €0.06m | €0.2m | €0.3m | €0.6m | €0.6m | ▲ 1.2% |
| Financial debts170/4 | - | - | €0.06m | €0.2m | €0.3m | €0.6m | €0.6m | ▲ 1.2% |
| Amounts payable within one year42/48 | €0.02m | €0.07m | €0.1m | €0.2m | €0.3m | €0.2m | €0.1m | ▼ 13.6% |
| Current portion of amounts payable after more than one year42 | - | - | €0.03m | €0.04m | €0.03m | €0.04m | €0.04m | ▲ 3.6% |
| Financial debts43 | - | - | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Credit institutions430/8 | - | - | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Trade debts44 | €0.008m | €0.01m | €0.04m | €0.1m | €0.08m | €0.01m | €0.01m | ▲ 14.4% |
| Suppliers440/4 | - | - | €0.04m | €0.1m | €0.08m | €0.01m | €0.01m | ▲ 14.4% |
| Advances received on contracts in progress46 | - | - | - | - | €0.07m | - | - | - |
| Taxes, remuneration and social security45 | - | - | €0.01m | €0.05m | €0.06m | €0.06m | €0.05m | ▼ 21.1% |
| Taxes450/3 | - | - | €0.01m | €0.05m | €0.06m | €0.06m | €0.05m | ▼ 21.1% |
| Other amounts payable47/48 | - | - | €0.002m | €0.002m | €0.03m | €0.03m | €0.02m | ▼ 39.0% |
| Accrued charges and deferred income492/3 | - | - | - | - | €0.006m | €0.01m | €0.01m | ▲ 16.5% |
| Line | 2018 | 2019 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €520 | €5,111 | €70,835 | €82,480 | €85,775 | €230,127 | €107,373 | ▼ 53.3% |
| + Depreciation and write-downs630 | €1,583 | €3,033 | €10,682 | €24,048 | €119,331 | €68,531 | €87,466 | ▲ 27.6% |
| Operating cash flow (approximation) | €2,103 | €8,144 | €81,517 | €106,528 | €205,106 | €298,658 | €194,840 | ▼ 34.8% |
| Investment in fixed assets (approximation) | - | -€209,693 | - | -€265,000 | -€260,386 | -€122,828 | -€534,815 | ▼ 335% |
| Change in cash | - | -€103,133 | - | €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.
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2023 · 1 entry · €108 awarded · €108 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | €108 | €108 |
Directors
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Holdings and subsidiaries
1 holdingHoldings 1
- B & F CONSULTsubsidiary98.92%
According to the annual accounts of the companies, the acts in the Belgian Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Companies Code and the parent companies that consolidate it. 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 directors read yet: 0 of 2 Gazette acts processed.
History
Acts, filings and financial milestones
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.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 5 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42322D0550/00C004 | Flanders | 1,159 m² | 1 · 229 m² | 8.0 m · 1 fl. |