Baumac is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €98k and a net result of €3k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 14% of 5498 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€98k▲ 3.1%
2024 · €95k
2023: €82k
2024: €95k
2023 → 2025
Net result
€3k▼ 77.5%
2024 · €13k
2023: €78k
2024: €13k
2023 → 2025
Total assets
€837k▼ 2.8%
2024 · €861k
2023: €837k
2024: €861k
2023 → 2025
Solvency
11.8%▲ 0.7pp
2024 · 11.1%
2023: 9.8%
2024: 11.1%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€82k-€95k▲ 15.9%€98k▲ 3.1%
Operating result€98k-€20k▼ 79.4%€8k▼ 62.5%
Net result€78k-€13k▼ 83.3%€3k▼ 77.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €837k
Fixed assets
€818k=
Current assets
€18k▼ 56.9%
Equity and liabilities €837k
Equity
€98k▲ 3.1%
Debt
€738k▼ 3.6%
The debt ratio falls from 88.9% to 88.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
11.8%▲
2024 · 11.1%
ROE
3.0%▼
2024 · 13.7%
ROA
0.4%▼
2024 · 1.5%
Debt
€738k▼
2024 · €765k
Debt ≤ 1 year
€663k▼
2024 · €682k
Debt > 1 year
€75k▼
2024 · €84k
Income taxes
€939▼
2024 · €3k
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€861k€837k▼
Fixed assets21/28€818k€818k=
Tangible fixed assets22/27€198k€198k=
Land and buildings22-€198k
Assets under construction and advance payments27€198k-
Financial fixed assets28€620k€620k=
Current assets29/58€43k€18k▼
Amounts receivable within one year40/41€19k€822▼
Trade receivables40€67€822▲
Other amounts receivable41€19k-
Cash at bank and in hand54/58€22k€17k▼
Deferred charges and accrued income490/1€624€624=
Equity and liabilities
Total equity and liabilities10/49€861k€837k▼
Equity10/15€95k€98k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€91k€94k▲
Amounts payable17/49€765k€738k▼
Amounts payable after more than one year17€84k€75k▼
Financial debts170/4€84k€75k▼
Amounts payable within one year42/48€682k€663k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€665k€646k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€6k
Other operating charges640/8€62€62=
Gross operating margin9900€20k€14k▼
Operating profit (loss)9901€20k€8k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€16k€4k▼
Income taxes67/77€3k€939▼
Profit (loss) for the period9904€13k€3k▼
Profit (loss) for the period to be appropriated9905€13k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€94k▲
Profit (loss) brought forward from the previous period14P€78k€91k▲
The notes to these accounts (9 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €3k ▼77.5%
Net result drops to €3k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
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, Zonhoven · 1 establishment unit since 2021
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.
Grote Eggestraat 233520 ZonhovenGround area
1,239 m²
Building footprint
231 m²
Volume, LiDAR
1,181 m³
Parcel 71443E0139/00W000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Baumac
since 20212.327.221.624
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0139/00W000 | Flanders | 1,239 m² | 1 · 231 m² | 7.3 m · 2 fl. |
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
3 C CONSULTING
BE 0480.128.422
Berlare · Eq €98k
LVDK Management
BE 0803.201.471
Rijkevorsel · Eq €98k
ERGL
BE 0562.820.130
Heusden-Zolder · Eq €99k
S.L.M. INVEST
BE 0543.577.607
Ronse · Eq €99k
TBINVEST
BE 0898.034.611
Ronse · Eq €98k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,291 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2021
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.