BAMS
ActiveBAMS has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-56k) and a net result of €-43k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
21
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 0.64 in 2024; short-term debt: 351.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-251.3%
Return on assets
-191.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-56k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
71 d early
2023
61 d late
2022
3 d early
2021
23 d late
2020
26 d late
2019
18 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-56k▼ 322%
2024 · €-13k
2018: €-25k
2019: €-17k
2020: €17k
2021: €-21k
2022: €-895
2023: €5k
2024: €-13k
2018 → 2025
Total assets
€22k▼ 48.2%
2024 · €43k
2018: €92k
2019: €100k
2020: €84k
2021: €63k
2022: €69k
2023: €45k
2024: €43k
2018 → 2025
Net result
€-43k▼ 138%
2024 · €-18k
2018: €-19k
2019: €10k
2020: €34k
2021: €-37k
2022: €20k
2023: €6k
2024: €-18k
2018 → 2025
Working capital
€-60k▼ 193%
2024 · €-21k
2018: €-62k
2019: €-43k
2020: €2k
2021: €-28k
2022: €-10k
2023: €-2k
2024: €-21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-21k-€-895▲ 95.7%€5k€-13k€-56k▼ 322%
Operating result€-36k-€21k€8k▼ 62.3%€-16k€-43k▼ 163%
Net result€-37k-€20k€6k▼ 71.7%€-18k€-43k▼ 138%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €43k in 2025 against €16k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€4k▼ 44.4%
Current assets
€18k▼ 49.0%
Key figures and ratios
EBITDA
€-40k▼
2024 · €-14k
Cash flow
€-40k▼
2024 · €-15k
Solvency
-251.3%▼
2024 · -30.8%
Current ratio
0.23▼
2024 · 0.64
Quick ratio
0.06▼
2024 · 0.10
Debt / equity
-1.40▲
2024 · -4.25
ROA
-191.8%▼
2024 · -41.7%
Interest coverage
-30.90▼
2024 · -9.64
Debt
€79k▲
2024 · €57k
Debt ≤ 1 year
€79k▲
2024 · €57k
Income taxes
€541▲
2024 · €280
Staff costs
€24k▼
2024 · €38k
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€43k€22k▼
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Land and buildings22€282-
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€1k-
Current assets29/58€36k€18k▼
Stocks and contracts in progress3€31k€14k▼
Stocks30/36€31k€14k▼
Amounts receivable within one year40/41€2k€5k▲
Trade receivables40€620€4k▲
Other amounts receivable41€1k€901▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€43k€22k▼
Equity10/15€-13k€-56k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-34k€-77k▼
Investment grants15€388€388=
Amounts payable17/49€57k€79k▲
Amounts payable within one year42/48€57k€79k▲
Financial debts43€6k€17k▲
Credit institutions430/8€6k€17k▲
Trade debts44€21k€6k▼
Suppliers440/4€21k€6k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€955€3k▲
Remuneration and social security454/9€1k-
Other amounts payable47/48€27k€54k▲
Accrued charges and deferred income492/3-€6
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€38k€24k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€7k€4k▼
Gross operating margin9900€31k€-13k▼
Operating profit (loss)9901€-16k€-43k▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Non-recurring financial income76B-€2k
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-18k€-43k▼
Income taxes67/77€280€541▲
Profit (loss) for the period9904€-18k€-43k▼
Profit (loss) for the period to be appropriated9905€-18k€-43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-77k▼
Profit (loss) brought forward from the previous period14P€-16k€-34k▼
The notes to these accounts (4 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series.
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Highest result since 2018net €34k ▲255%
Operating result €36k, net result €34k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beringen · 1 establishment unit since 1996
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.
Genebroekstraat 1073581 BeringenGround area
2,690 m²
Building footprint
478 m²
Volume, LiDAR
2,580 m³
Parcel 71005B1782/00K000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAMS BVBA
since 19962.077.438.607
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71005B1782/00K000 | Flanders | 2,690 m² | 1 · 478 m² | 6.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 216 EUR awarded · 216 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 108 EUR | 108 EUR |
| 2022 | 1 | 108 EUR | 108 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
STOYANOV
BE 0712.883.979
Gavere · Eq €5k
MIC Rénovation & Construction
BE 0777.403.827
Huy · Eq €5k
PAQUIN Philippe
BE 0867.642.729
Saint-Hubert · Eq €5k
EAGLE ROOFS
BE 0784.593.507
Gent · Eq €5k
PIOTOITURE
BE 0803.381.219
Beyne-Heusay · Eq €5k
Of 8,564 companies in sector 43410 we hold annual accounts for 4,354. 1,389 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-1996
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.