BAMS Paul

Active

Private limited company (pre-2019)founded 2011active for 15 yearsHeesstraat 3, 3560 Lummen, BelgiumKBO/BCE: BE 0837.632.216

Summary

The computed 12-month bankruptcy probability of BAMS Paul is 6.0% (elevated). For BAMS Paul, one filing cycle of the annual accounts is missing. The 2024 annual accounts show negative equity (-€58,615) and a net result of €2,996. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 26,027 sector peers (NACE 47, financial year 2024). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.

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BAMS PaulActive

Risk analysis Report Compare

Activity

Retail trade

NACE 47553

1 site

Size

€55,887total assets 2024

Equity: -€58,615
Profit: €2,996

Turnover not published (micro format)

Financial health

Bankruptcy probabilitywithin 12 months: 6.0%

2024 figures too old to score

Structure

Accounts 192 days overdue0 of 5 deeds read

Signalsraises riskFigures for financial year 2024 (filed 05-06-2025)1 financial year not filed after the legal deadline; latest accounts 57 days late; 1 of the last 3 lateAnnual accounts not filedlowers riskFounded in 2011Size: total assets €55,887neutralFiled after the deadlineShow the evidence

Bankruptcy probability

No current score

Figures too old

The available figures for FY 2024 are too old to assess current financial health.

Bankruptcy probability: Elevated

Filing: One filing cycle is missing

Financial strength, FY 2024 · tick = 2023

Weak

Solvency 0=

equity -104.9% of total assets

Liquidity 4-16

short-term debt 96.5% · cash 3.3%

Profitability 75+75

return on assets 5.4%

Bankruptcy probability, 12 months

6.0% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,186 companies, NACE 47, micro)

Last 24 months 11-2024: 3.9% 12-2024: 4.1%▲ +0.2 percentage points vs 11-2024 01-2025: 4.0%▼ -0.1 percentage points vs 12-2024 02-2025: 3.9%▼ -0.1 percentage points vs 01-2025 03-2025: 4.2%▲ +0.3 percentage points vs 02-2025 04-2025: 4.9%▲ +0.7 percentage points vs 03-2025 05-2025: 5.2%▲ +0.3 percentage points vs 04-2025 06-2025: 6.8%▲ +1.6 percentage points vs 05-2025highest value 07-2025: 3.2%▼ -3.6 percentage points vs 06-2025 08-2025: 3.2%● unchanged vs 07-2025 09-2025: 3.2%● unchanged vs 08-2025 10-2025: 3.2%● unchanged vs 09-2025 11-2025: 3.1%▼ -0.1 percentage points vs 10-2025 12-2025: 3.3%▲ +0.2 percentage points vs 11-2025 01-2026: 1.3%▼ -2.0 percentage points vs 12-2025 02-2026: 1.2%▼ -0.1 percentage points vs 01-2026lowest value 03-2026: 1.3%▲ +0.1 percentage points vs 02-2026 04-2026: 1.8%▲ +0.5 percentage points vs 03-2026 05-2026: 2.1%▲ +0.3 percentage points vs 04-2026 06-2026: 2.6%▲ +0.5 percentage points vs 05-2026 07-2026: 2.9%▲ +0.3 percentage points vs 06-2026 08-2026: 3.9%▲ +1.0 percentage point vs 07-2026 09-2026: 6.0%▲ +2.1 percentage points vs 08-2026 10-2026: 6.0%● unchanged vs 09-2026

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Signals

Six signals.

−lowers risk+raises risk○neutral

Figures for financial year 2024 (filed 05-06-2025)

NBB · annual accounts

1 financial year not filed after the legal deadline; latest accounts 57 days late; 1 of the last 3 late

NBB · filings

Founded in 2011

How long the company has existed counts in the probability; how much depends on the rest of its profile.

KBO

Size: total assets €55,887

The company's size counts in the probability; how much depends on the rest of its profile.

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-08-2025 was due at the National Bank by 31-03-2026. Nothing is on record, 192 days later.

NBB · 10 filings

Position against the passed deadline

31-08-2025 year end31-03-2026 deadline09-10-2026 today

Filed after the deadline

The financial year that closed on 31-08-2024 was due by 31-03-2025 and was filed on 27-05-2025, 57 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

57 days late

2023

12 days early

2021

on the day

2020

2 days early

2019

on the day

2018

23 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 11 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

27-05-2025 Annual accounts filedfinancial year 2024 · micro…
31-08-2024 Back to profitnet €2,996
19-03-2024 Annual accounts filedfinancial year 2023 · micro…

Key points

Risk: Accounts not fileddeadline was 31-03-2026 192 days late View
Risk: Negative equityfinancial year 2024: debts exceed assets -€58,615 View
Caution: Among the weakest 8% on equitysector median €38,691 · 26,088 companies -€58,615 View
Positive: Back in profit in 2024after -€250,225 in 2023 €2,996 View