BANOM
ActiveSummary
The computed 12-month bankruptcy probability of BANOM is 4.3% (elevated). The 2025 annual accounts show negative equity (-€161,892) and a net result of -€5,731. Equity is shrinking by ~22.1% per year across the filed fiscal years. The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 7 accounts on average 2 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, abbreviated schema
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Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.3% 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 497,338 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% | 1.9% |
| 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 6,906 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €348 | €348 | €384 | €387 | €400 | ▲ 3.2% |
| Non-recurring operating charges66A | €0 | - | €51,070 | €0 | - | - |
| Gross operating margin9900 | -€8,731 | -€18,084 | -€8,312 | -€5,287 | -€5,277 | ▲ 0.2% |
| Operating profit (loss)9901 | -€9,078 | -€18,431 | -€59,766 | -€5,675 | -€5,677 | = |
| Financial income75/76B | €0 | - | - | - | - | - |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | €57 | €59 | €36 | €40 | €55 | ▲ 37.7% |
| Recurring financial charges65 | €57 | €59 | €36 | €40 | €55 | ▲ 37.7% |
| Profit (loss) for the period before taxes9903 | -€9,135 | -€18,490 | -€59,802 | -€5,714 | -€5,731 | ▼ 0.3% |
| Profit (loss) for the period9904 | -€9,135 | -€18,490 | -€59,802 | -€5,714 | -€5,731 | ▼ 0.3% |
| Profit (loss) for the period to be appropriated9905 | -€9,135 | -€18,490 | -€59,802 | -€5,714 | -€5,731 | ▼ 0.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €60,185 | €55,190 | €2,066 | €6,134 | €4,229 | ▼ 31.1% |
| Current assets29/58 | €60,185 | €55,190 | €2,066 | €6,134 | €4,229 | ▼ 31.1% |
| Stocks and contracts in progress3 | €51,070 | €51,070 | €0 | - | - | - |
| Stocks30/36 | €51,070 | €51,070 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €767 | €2,041 | €1,181 | €506 | €506 | = |
| Other amounts receivable41 | €767 | €2,041 | €1,181 | €506 | €506 | = |
| Cash at bank and in hand54/58 | €8,318 | €2,079 | €885 | €5,628 | €3,723 | ▼ 33.9% |
| Deferred charges and accrued income490/1 | €31 | €0 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €60,185 | €55,190 | €2,066 | €6,134 | €4,229 | ▼ 31.1% |
| Equity10/15 | -€72,155 | -€90,645 | -€150,447 | -€156,161 | -€161,892 | ▼ 3.7% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | -€84,555 | -€103,045 | -€162,847 | -€168,561 | -€174,292 | ▼ 3.4% |
| Amounts payable17/49 | €132,340 | €145,835 | €152,513 | €162,295 | €166,121 | ▲ 2.4% |
| Amounts payable within one year42/48 | €132,340 | €145,835 | €152,513 | €162,295 | €166,121 | ▲ 2.4% |
| Trade debts44 | €4,563 | €13,058 | €2,236 | €7,018 | €5,844 | ▼ 16.7% |
| Suppliers440/4 | €4,563 | €13,058 | €2,236 | €7,018 | €5,844 | ▼ 16.7% |
| Other amounts payable47/48 | €127,777 | €132,777 | €150,277 | €155,277 | €160,277 | ▲ 3.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,135 | -€18,490 | -€59,802 | -€5,714 | -€5,731 | ▼ 0.3% |
| Operating cash flow (approximation) | -€9,135 | -€18,490 | -€59,802 | -€5,714 | -€5,731 | ▼ 0.3% |
| Change in cash | - | -€6,239 | -€1,194 | €4,743 | -€1,905 | ▼ 140% |
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
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
2 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0051/00S002 | Brussels | 9,553 m² | 1 · 1,129 m² | 25.2 m · 6 fl. |
| 21384D0291/00B015 | Brussels | 186 m² | 1 · 63 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Identification & contact
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.