BARMI
ActiveBARMI has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €33k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+6
Solvency39▲+30
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.77 in 2024; short-term debt: 86.4% and cash: 33% of total assets), and 86.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
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
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
13.6%
Return on assets
26.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 10252 sector peers (2025).
NBB · sector comparisonPosition among 10252 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
25 d late
2023
30 d late
2022
42 d late
2021
61 d late
2020
61 d late
2019
89 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€17k
2024 · €-16k
2018: €-786
2019: €-1k
2020: €-18k
2021: €-16k
2022: €-26k
2023: €-35k
2024: €-16k
2018 → 2025
Total assets
€124k▲ 31.1%
2024 · €95k
2018: €111k
2019: €119k
2020: €108k
2021: €139k
2022: €116k
2023: €114k
2024: €95k
2018 → 2025
Net result
€33k▲ 68.0%
2024 · €19k
2018: €3k
2019: €-383
2020: €-17k
2021: €2k
2022: €-10k
2023: €-9k
2024: €19k
2018 → 2025
Working capital
€9k
2024 · €-25k
2018: €-16k
2019: €-17k
2020: €-30k
2021: €-24k
2022: €-35k
2023: €-43k
2024: €-25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-16k-€-26k▼ 65.2%€-35k▼ 35.6%€-16k▲ 55.5%€17k
Operating result€3k-€-9k€-8k▲ 11.5%€20k€42k▲ 111%
Net result€2k-€-10k€-9k▲ 9.8%€19k€33k▲ 68.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 111% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124k
Fixed assets
€8k▼ 16.4%
Current assets
€117k▲ 36.3%
Equity and liabilities €124k
Equity
€17k
Debt
€108k
Debt finances 86.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€43k▲
2024 · €21k
Cash flow
€34k▲
2024 · €21k
Solvency
13.6%▲
2024 · -16.4%
Current ratio
1.08▲
2024 · 0.77
Quick ratio
0.56▲
2024 · 0.39
Debt / equity
6.34▲
2024 · -7.12
ROE
191.5%
ROA
26.1%▲
2024 · 20.4%
Interest coverage
38.14▼
2024 · 61.01
Debt
€108k▼
2024 · €111k
Debt ≤ 1 year
€108k▼
2024 · €111k
Income taxes
€8k
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€95k€124k▲
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€1k€456▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€5k€5k=
Current assets29/58€86k€117k▲
Stocks and contracts in progress3€42k€57k▲
Stocks30/36€42k€57k▲
Amounts receivable within one year40/41€21k€19k▼
Trade receivables40-€13k
Other amounts receivable41€21k€6k▼
Cash at bank and in hand54/58€22k€41k▲
Deferred charges and accrued income490/1€650-
Equity and liabilities
Total equity and liabilities10/49€95k€124k▲
Equity10/15€-16k€17k▲
Contributions10/11€8k€8k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-25k€7k▲
Amounts payable17/49€111k€108k▼
Amounts payable within one year42/48€111k€108k▼
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€44k€24k▼
Suppliers440/4€44k€24k▼
Taxes, remuneration and social security45€15k€23k▲
Taxes450/3€13k€23k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€51k€53k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€10k▲
Gross operating margin9900€24k€54k▲
Operating profit (loss)9901€20k€42k▲
Financial charges65/66B€348€1k▲
Recurring financial charges65€348€1k▲
Profit (loss) for the period before taxes9903€19k€40k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€19k€33k▲
Profit (loss) for the period to be appropriated9905€19k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€7k▲
Profit (loss) brought forward from the previous period14P€-44k€-25k▲
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €33k ▲68%
Operating result €42k, net result €33k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 42 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Opwijk · 4 establishment units since 2007
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.
Singel 5A1745 OpwijkGround area
2,356 m²
Building footprint
1,751 m²
Volume, LiDAR
10,277 m³
4 parcels, Flanders · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
4 establishment units
BARMI
since 20072.166.599.225
BARMI
since 20112.201.836.553
BARMI SUPERMARKT
since 20152.253.265.557
Klei 203, 1745 Opwijk
since 20242.362.772.124
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23060C0146/02R002 | Flanders | 1,490 m² | 1 · 1,136 m² | 9.5 m · 2 fl. |
| 23093F0497/00F002 | Flanders | 616 m² | 1 · 408 m² | 14.1 m · 3 fl. |
| 23060B0405/00D000 | Flanders | 157 m² | 1 · 115 m² | 13.0 m · 3 fl. |
| 23060B0547/02_000 | Flanders | 94 m² | 1 · 91 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels 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
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
4 sitesMeise2.201.836.553
Opwijk2.166.599.225
Opwijk2.253.265.557
Opwijk2.362.772.124
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OZCAN MARKET
BE 0797.533.307
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ZM IMPEX
BE 0786.808.669
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TEMS
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Evere · Eq €17k
Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 4,012 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2003
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.