BAUGIMMOB
ActiveSummary
BAUGIMMOB has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 59% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability35▲+30
Solvency79▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.45 against 2.25 in 2024; short-term debt: 23.9% and cash: 12.9% of total assets), and 46.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.9%
Return on assets
-28.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
27 d late
2023
21 d early
2022
28 d late
2021
12 d early
2020
23 d late
2019
74 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-8k▲ 21.4%
2024 · €-11k
2018: €-457
2019: €9k▲ +2081% vs 2018
2020: €-1k▼ -112% vs 2019
2021: €31k▲ +3071% vs 2020highest in 8 years
2022: €17k▼ -46.7% vs 2021
2023: €-10k▼ -160% vs 2022
2024: €-11k▼ -7.5% vs 2023lowest in 8 years
2025: €-8k▲ +21.4% vs 2024
2018 → 2025
Working capital
€3k▼ 59.8%
2024 · €8k
2018: €-11klowest in 8 years
2019: €-2k▲ +83.4% vs 2018
2020: €-3k▼ -58.5% vs 2019
2021: €28k▲ +1096% vs 2020highest in 8 years
2022: €-4k▼ -115% vs 2021
2023: €15k▲ +450% vs 2022
2024: €8k▼ -46.2% vs 2023
2025: €3k▼ -59.8% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€45k▲ 58.6%€35k▼ 22.2%€24k▼ 30.7%€16k▼ 34.8%
2021: €28k
2022: €45k▲ +58.6% vs 2021highest in 5 years
2023: €35k▼ -22.2% vs 2022
2024: €24k▼ -30.7% vs 2023
2025: €16k▼ -34.8% vs 2024lowest in 5 years
Operating result€45k-€25k▼ 44.6%€-13k€-10k▲ 28.3%€-7k▲ 25.7%
2021: €45khighest in 5 years
2022: €25k▼ -44.6% vs 2021
2023: €-13k▼ -153% vs 2022lowest in 5 years
2024: €-10k▲ +28.3% vs 2023
2025: €-7k▲ +25.7% vs 2024
Net result€31k-€17k▼ 46.7%€-10k€-11k▼ 7.5%€-8k▲ 21.4%
2021: €31khighest in 5 years
2022: €17k▼ -46.7% vs 2021
2023: €-10k▼ -160% vs 2022
2024: €-11k▼ -7.5% vs 2023lowest in 5 years
2025: €-8k▲ +21.4% vs 2024
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €10k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€19k ▼ 34.3%
Current assets
€10k ▼ 28.0%
Equity and liabilities €29k
Equity
€16k ▼ 34.8%
Debt
€14k ▼ 29.0%
Debt's share of the balance-sheet total rises from 43.9% to 46.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▲
2024 · €514
Cash flow
€2k▲
2024 · €-746
Current ratio
1.45▼
2024 · 2.25
Debt to equity
0.85▲
2024 · 0.78
ROE
-53.4%▼
2024 · -44.3%
ROA
-28.8%▼
2024 · -24.8%
Interest coverage
4.17▲
2024 · 0.54
Debt ≤ 1 year
€7k▲
2024 · €6k
Debt > 1 year
€7k▼
2024 · €13k
Income taxes
€692▼
2024 · €756
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€43k€29k▼
Fixed assets21/28€29k€19k▼
Tangible fixed assets22/27€29k€19k▼
Furniture and vehicles24€29k€19k▼
Current assets29/58€14k€10k▼
Amounts receivable within one year40/41€13k€6k▼
Trade receivables40€5k€2k▼
Other amounts receivable41€8k€5k▼
Cash at bank and in hand54/58€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€43k€29k▼
Equity10/15€24k€16k▼
Contributions10/11€6k€6k=
Reserves13€39k€39k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€-21k€-29k▼
Amounts payable17/49€19k€14k▼
Amounts payable after more than one year17€13k€7k▼
Financial debts170/4€13k€7k▼
Amounts payable within one year42/48€6k€7k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€2€66▲
Suppliers440/4€2€66▲
Taxes, remuneration and social security45€304€715▲
Taxes450/3€304€715▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€2k€5k▲
Operating profit (loss)9901€-10k€-7k▲
Financial income75/76B€446-
Recurring financial income75€446-
Financial charges65/66B€950€708▼
Recurring financial charges65€950€708▼
Profit (loss) for the period before taxes9903€-10k€-8k▲
Income taxes67/77€756€692▼
Profit (loss) for the period9904€-11k€-8k▲
Profit (loss) for the period to be appropriated9905€-11k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-29k▼
Profit (loss) brought forward from the previous period14P€-10k€-21k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €835 | €10k | €10k | €10k | = |
| Other operating charges640/8 | - | - | €7k | €2k | €2k | ▲ 3.4% |
| Gross operating margin9900 | €45k | €26k | €4k | €2k | €5k | ▲ 119% |
| Operating profit (loss)9901 | €45k | €25k | €-13k | €-10k | €-7k | ▲ 25.7% |
| Financial income75/76B | - | - | - | €446 | - | - |
| Recurring financial income75 | - | - | - | €446 | - | - |
| Financial charges65/66B | €45 | €39 | €1k | €950 | €708 | ▼ 25.4% |
| Recurring financial charges65 | €45 | €39 | €1k | €950 | €708 | ▼ 25.4% |
| Profit (loss) for the period before taxes9903 | €45k | €25k | €-14k | €-10k | €-8k | ▲ 22.3% |
| Income taxes67/77 | €14k | €8k | €-4k | €756 | €692 | ▼ 8.5% |
| Profit (loss) for the period9904 | €31k | €17k | €-10k | €-11k | €-8k | ▲ 21.4% |
| Profit (loss) for the period to be appropriated9905 | €31k | €17k | €-10k | €-11k | €-8k | ▲ 21.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €53k | €90k | €63k | €43k | €29k | ▼ 32.2% |
| Fixed assets21/28 | - | €49k | €39k | €29k | €19k | ▼ 34.3% |
| Tangible fixed assets22/27 | - | €49k | €39k | €29k | €19k | ▼ 34.3% |
| Furniture and vehicles24 | - | €49k | €39k | €29k | €19k | ▼ 34.3% |
| Current assets29/58 | €53k | €40k | €24k | €14k | €10k | ▼ 28.0% |
| Amounts receivable within one year40/41 | €42k | €5k | €16k | €13k | €6k | ▼ 51.2% |
| Trade receivables40 | €10k | - | €2k | €5k | €2k | ▼ 70.6% |
| Other amounts receivable41 | €32k | €5k | €14k | €8k | €5k | ▼ 37.2% |
| Cash at bank and in hand54/58 | €12k | €35k | €8k | €1k | €4k | ▲ 255% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €53k | €90k | €63k | €43k | €29k | ▼ 32.2% |
| Equity10/15 | €28k | €45k | €35k | €24k | €16k | ▼ 34.8% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €22k | €39k | €39k | €39k | €39k | = |
| Distributable reserves133 | €22k | €39k | €39k | €39k | €39k | = |
| Profit (loss) carried forward14 | - | - | €-10k | €-21k | €-29k | ▼ 40.7% |
| Amounts payable17/49 | €25k | €45k | €28k | €19k | €14k | ▼ 29.0% |
| Amounts payable after more than one year17 | - | - | €19k | €13k | €7k | ▼ 49.0% |
| Financial debts170/4 | - | - | €19k | €13k | €7k | ▼ 49.0% |
| Amounts payable within one year42/48 | €25k | €45k | €9k | €6k | €7k | ▲ 11.6% |
| Current portion of amounts payable after more than one year42 | - | - | €6k | €6k | €6k | ▲ 4.2% |
| Trade debts44 | €604 | - | €267 | €2 | €66 | ▲ 2,630% |
| Suppliers440/4 | €604 | - | €267 | €2 | €66 | ▲ 2,630% |
| Taxes, remuneration and social security45 | €24k | €23k | €3k | €304 | €715 | ▲ 136% |
| Taxes450/3 | €24k | €23k | €3k | €304 | €715 | ▲ 136% |
| Other amounts payable47/48 | - | €22k | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31k | €17k | €-10k | €-11k | €-8k | ▲ 21.4% |
| + Depreciation and write-downs630 | - | €835 | €10k | €10k | €10k | = |
| Operating cash flow (approximation) | €31k | €18k | €3 | €-746 | €2k | ▲ 309% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €0 | - |
| Change in cash | - | €23k | €-27k | €-7k | €3k | ▲ 139% |
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 2.57
Current ratio from 0.91 to 2.57; short-term debt falls from €45k to €9k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.14
Current ratio from 0.79 to 2.14.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 74 days late
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
Show earlier events
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
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.
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Directors · office · real estate
Directors
3 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, Charleroi · 1 establishment unit since 2007
Ground area
900 m²
Building footprint
154 m²
Volume, LiDAR
4,603 m³
Parcel 52011C0190/00L000, Wallonia · tallest building 32.3 m, ±10 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Phil-O-Fran
since 20072.163.875.109
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011C0190/00L000 | Wallonia | 900 m² | 1 · 154 m² | 32.3 m · 10 fl. |
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.
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,571. 1,549 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
Founded13-07-2007
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
46349Wholesale of beverages, general range
47252Retail sale of beverages, general range
Scores and ratios are computed by Checked and are not a credit decision.