BAMS17
ActiveSummary
The computed 12-month bankruptcy probability of BAMS17 is 1.7% (moderate). The 2025 annual accounts show equity of €64,679 and a net result of €18,372. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 63% of 13560 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+20
Solvency70▲+14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity short (current ratio 0.17 against 0.07 in 2024; short-term debt: 42.5% and cash: 4.7% of total assets), and 54.7% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more 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
45.3%
Return on assets
12.9%
Age of the figures
9 mo
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 22-05-2026, 70 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
70 d early
2024
31 d early
2023
69 d early
2022
70 d early
2021
69 d early
2020
75 d early
2019
57 d early
← 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 63 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€64,679▲ 39.7%
2024 · €46,308
Total assets
€142,747▼ 3.9%
2024 · €148,586
Net result
€18,372
2024 · -€4,124
Working capital
-€50,469▲ 20.2%
2024 · -€63,260
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€17,873▲ 91.7%€9,876▼ 44.7%€1,869▼ 81.1%-€204€30,895
Net result€15,409▲ 500%€8,143▼ 47.2%-€1,751-€4,124▼ 136%€18,372
Equity€44,040▲ 53.8%€52,183▲ 18.5%€50,432▼ 3.4%€46,308▼ 8.2%€64,679▲ 39.7%
Total assets€118,951▼ 3.7%€174,388▲ 46.6%€172,645▼ 1.0%€148,586▼ 13.9%€142,747▼ 3.9%
Debt€74,911▼ 21.0%€122,205▲ 63.1%€122,213=€102,278▼ 16.3%€78,068▼ 23.7%
Working capital-€13,812▼ 73.0%-€72,055▼ 422%-€67,124▲ 6.8%-€63,260▲ 5.8%-€50,469▲ 20.2%
Staff (FTE)1.7▲ 88.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €30,895 after a loss of €204 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142,747
Fixed assets
€132,560 ▼ 7.7%
Current assets
€10,187 ▲ 105%
Equity and liabilities €142,747
Equity
€64,679 ▲ 39.7%
Debt
€78,068 ▼ 23.7%
Debt's share of the balance-sheet total falls from 68.8% to 54.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55,991▲
2024 · €23,729
Cash flow
€43,468▲
2024 · €19,809
Current ratio
0.17▲
2024 · 0.07
Quick ratio
0.15▲
2024 · 0.06
Debt to equity
1.21▼
2024 · 2.21
ROE
28.4%▲
2024 · -8.9%
ROA
12.9%▲
2024 · -2.8%
Interest coverage
13.73▲
2024 · 7.14
Debt ≤ 1 year
€60,657▼
2024 · €68,219
Debt > 1 year
€17,411▼
2024 · €34,059
Income taxes
€8,445▲
2024 · €599
Staff costs
€7,632▼
2024 · €7,749
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 26,964 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €49,743 | €11,192 | -€320 | €7,749 | €7,632 | ▼ 1.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,628 | €16,757 | €22,121 | €23,934 | €25,096 | ▲ 4.9% |
| Other operating charges640/8 | €518 | €348 | €622 | €1,154 | €1,319 | ▲ 14.3% |
| Non-recurring operating charges66A | - | €900 | - | - | - | - |
| Gross operating margin9900 | €88,762 | €39,073 | €24,291 | €32,633 | €64,942 | ▲ 99.0% |
| Operating profit (loss)9901 | €17,873 | €9,876 | €1,869 | -€204 | €30,895 | ▲ 15,243% |
| Financial charges65/66B | €2,262 | €1,733 | €3,620 | €3,321 | €4,078 | ▲ 22.8% |
| Recurring financial charges65 | €2,262 | €1,733 | €3,620 | €3,321 | €4,078 | ▲ 22.8% |
| Profit (loss) for the period before taxes9903 | €15,611 | €8,143 | -€1,751 | -€3,525 | €26,816 | ▲ 861% |
| Income taxes67/77 | €202 | - | - | €599 | €8,445 | ▲ 1,310% |
| Profit (loss) for the period9904 | €15,409 | €8,143 | -€1,751 | -€4,124 | €18,372 | ▲ 545% |
| Profit (loss) for the period to be appropriated9905 | €15,409 | €8,143 | -€1,751 | -€4,124 | €18,372 | ▲ 545% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €118,951 | €174,388 | €172,645 | €148,586 | €142,747 | ▼ 3.9% |
| Fixed assets21/28 | €97,852 | €154,308 | €167,561 | €143,627 | €132,560 | ▼ 7.7% |
| Intangible fixed assets21 | €76,811 | €60,770 | €52,177 | €43,584 | €36,065 | ▼ 17.3% |
| Tangible fixed assets22/27 | €21,041 | €93,538 | €115,384 | €100,043 | €96,495 | ▼ 3.5% |
| Plant, machinery and equipment23 | €21,041 | €85,708 | €109,982 | €97,070 | €95,949 | ▼ 1.2% |
| Furniture and vehicles24 | - | €7,830 | €5,402 | €2,974 | €546 | ▼ 81.7% |
| Current assets29/58 | €21,099 | €20,080 | €5,084 | €4,959 | €10,187 | ▲ 105% |
| Stocks and contracts in progress3 | €6,635 | - | - | €648 | €875 | ▲ 34.9% |
| Stocks30/36 | €6,635 | - | - | €648 | €875 | ▲ 34.9% |
| Amounts receivable within one year40/41 | - | €11,207 | - | - | €2,595 | - |
| Trade receivables40 | - | €11,207 | - | - | €2,595 | - |
| Cash at bank and in hand54/58 | €14,464 | €8,874 | €5,084 | €4,310 | €6,718 | ▲ 55.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €118,951 | €174,388 | €172,645 | €148,586 | €142,747 | ▼ 3.9% |
| Equity10/15 | €44,040 | €52,183 | €50,432 | €46,308 | €64,679 | ▲ 39.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €37,360 | €45,360 | €44,232 | €40,108 | €58,479 | ▲ 45.8% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €35,500 | €43,500 | €44,232 | €40,108 | €58,479 | ▲ 45.8% |
| Profit (loss) carried forward14 | €480 | €623 | - | - | - | - |
| Amounts payable17/49 | €74,911 | €122,205 | €122,213 | €102,278 | €78,068 | ▼ 23.7% |
| Amounts payable after more than one year17 | €40,000 | €30,070 | €50,004 | €34,059 | €17,411 | ▼ 48.9% |
| Financial debts170/4 | €40,000 | €30,070 | €50,004 | €34,059 | €17,411 | ▼ 48.9% |
| Amounts payable within one year42/48 | €34,911 | €92,135 | €72,209 | €68,219 | €60,657 | ▼ 11.1% |
| Current portion of amounts payable after more than one year42 | - | €7,495 | €15,272 | €15,945 | €16,648 | ▲ 4.4% |
| Trade debts44 | €7,632 | €9,623 | €7,323 | €8,345 | €10,201 | ▲ 22.2% |
| Suppliers440/4 | €7,632 | €9,623 | €7,323 | €8,345 | €10,201 | ▲ 22.2% |
| Taxes, remuneration and social security45 | €17,468 | €1,414 | €1,907 | €7,327 | €14,317 | ▲ 95.4% |
| Taxes450/3 | €11,461 | €1,414 | €1,907 | €5,389 | €13,232 | ▲ 146% |
| Remuneration and social security454/9 | €6,007 | - | - | €1,938 | €1,085 | ▼ 44.0% |
| Other amounts payable47/48 | €9,811 | €73,603 | €47,706 | €36,602 | €19,490 | ▼ 46.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,409 | €8,143 | -€1,751 | -€4,124 | €18,372 | ▲ 545% |
| + Depreciation and write-downs630 | €20,628 | €16,757 | €22,121 | €23,934 | €25,096 | ▲ 4.9% |
| Operating cash flow (approximation) | €36,037 | €24,900 | €20,370 | €19,809 | €43,468 | ▲ 119% |
| Investment in fixed assets (approximation) | - | -€73,214 | -€35,373 | €0 | -€14,029 | - |
| Change in cash | - | -€5,590 | -€3,789 | -€774 | €2,407 | ▲ 411% |
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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €18,372
Net result €18,372 after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€4,124
Net result drops to -€4,124, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Assesse · 1 establishment unit since 2017
Ground area
1,663 m²
Building footprint
196 m²
Parcel 92030C0460/00W000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Nop
since 20172.261.387.922
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92030C0460/00W000 | Wallonia | 1,663 m² | 1 · 196 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAssesse2.261.387.922
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,454. 9,853 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
Founded28-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
56220Contract catering and other food service activities
Contact
Phone
0473292679Assesse
E-invoicing
Reachable via Peppol
Peppol ID
0208:0668530730
Registered
06-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.