BANAM
ActiveBANAM has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €770k and a net result of €193k. Equity is growing by ~57.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 39.25 against 8.09 in 2024), and 2.6% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
97.4%
Return on assets
24.4%
Age of the figures
8 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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
6 d early
2023
29 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€770k▲ 33.4%
2024 · €577k
2023: €105k
2024: €577k
2023 → 2025
Total assets
€790k▲ 20.0%
2024 · €658k
2023: €130k
2024: €658k
2023 → 2025
Net result
€193k▼ 59.1%
2024 · €472k
2023: €100k
2024: €472k
2023 → 2025
Working capital
€769k▲ 33.6%
2024 · €576k
2023: €105k
2024: €576k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€105k-€577k▲ 450%€770k▲ 33.4%
Operating result€127k-€656k▲ 418%€228k▼ 65.2%
Net result€100k-€472k▲ 373%€193k▼ 59.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €790k
Fixed assets
€963▼ 33.8%
Current assets
€789k▲ 20.2%
Equity and liabilities €790k
Equity
€770k▲ 33.4%
Debt
€20k▼ 75.2%
The debt ratio falls from 12.3% to 2.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€229k▼
2024 · €656k
Cash flow
€193k▼
2024 · €472k
Solvency
97.4%▲
2024 · 87.7%
Current ratio
39.25▲
2024 · 8.09
Quick ratio
39.25▲
2024 · 8.09
Debt / equity
0.03▼
2024 · 0.14
ROE
25.1%▼
2024 · 81.8%
ROA
24.4%▼
2024 · 71.7%
Interest coverage
4128.72▲
2024 · 882.79
Debt
€20k▼
2024 · €81k
Debt ≤ 1 year
€20k▼
2024 · €81k
Income taxes
€70k▼
2024 · €204k
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€658k€790k▲
Fixed assets21/28€1k€963▼
Tangible fixed assets22/27€1k€963▼
Furniture and vehicles24€1k€963▼
Current assets29/58€657k€789k▲
Amounts receivable within one year40/41€46k€35k▼
Trade receivables40€24k€0▼
Other amounts receivable41€21k€35k▲
Cash at bank and in hand54/58€606k€754k▲
Deferred charges and accrued income490/1€5k€506▼
Equity and liabilities
Total equity and liabilities10/49€658k€790k▲
Equity10/15€577k€770k▲
Contributions10/11€5k€5k=
Reserves13€567k€760k▲
Distributable reserves133€567k€760k▲
Profit (loss) carried forward14€5k€5k▲
Amounts payable17/49€81k€20k▼
Amounts payable within one year42/48€81k€20k▼
Trade debts44€410€692▲
Suppliers440/4€410€692▲
Taxes, remuneration and social security45€65k€14k▼
Taxes450/3€65k€14k▼
Other amounts payable47/48€16k€6k▼
Accrued charges and deferred income492/3€66€67▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19€491▲
Other operating charges640/8€292€149▼
Gross operating margin9900€656k€229k▼
Operating profit (loss)9901€656k€228k▼
Financial income75/76B€21k€35k▲
Recurring financial income75€21k€35k▲
Financial charges65/66B€743€55▼
Recurring financial charges65€743€55▼
Profit (loss) for the period before taxes9903€676k€263k▼
Income taxes67/77€204k€70k▼
Profit (loss) for the period9904€472k€193k▼
Profit (loss) for the period to be appropriated9905€472k€193k▼
Appropriation of the result
Profit (loss) to be appropriated9906€477k€198k▼
Profit (loss) brought forward from the previous period14P€5k€5k▲
Transfer to equity691/2€472k€193k▼
To other reserves6921€472k€193k▼
The notes to these accounts (7 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 5current ratio 39.25
Current ratio from 8.09 to 39.25; short-term debt falls from €81k to €20k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €472k ▲373%
Operating result €656k, net result €472k, both a record.
31-12
Financial
Equity above €500kEq €577k ▲450%
2 profitable years in a row build equity to €577k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 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, Welkenraedt · 1 establishment unit since 2022
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.
Rue Saint-Paul 2694841 WelkenraedtGround area
1,671 m²
Building footprint
121 m²
Parcel 63032C0170/02E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BANAM
since 20222.338.712.956
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63032C0170/02E000 | Wallonia | 1,671 m² | 1 · 121 m² | - |
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.
Similar companies · same sector, comparable size
ELVANO IMMO
BE 0841.882.202
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MELISSE
BE 0879.197.310
Schoten · Eq €770k
u-Dream
BE 0884.834.592
Lochristi · Eq €770k
GEMINI CONSULTING
BE 0722.661.579
Schilde · Eq €770k
VALERCO
BE 0478.658.475
Kontich · Eq €771k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 30,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45204
95315Tyre services
95319Other maintenance and repair of motor vehicles
47820Retail sale of motor vehicle parts and accessories
46190Agents in non-specialised wholesale trade
58110Book publishing
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.