Active BE 0476.175.077Public limited company

BEAM

Korsele 67 ·9667 Horebeke, Belgium· 24 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

BEAM 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 €352k and a net result of €8k. Equity is shrinking by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 1216 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€352k
Net result	€8k
Better than sector	95%
Active	24 yrs

Financial profile 4 of 5 axes measured · computed by Checked

68 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 12

Solvency 100

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2001, 24 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

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.

Financial overview23 NBB filings

Annual accounts filed on 31-01-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Net result: growth of ~45%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	99.9%	47.1%	better than 95% of 1216 sector peers
Net result	€8k	€43k	better than 21% of 1215 sector peers
Equity	€352k	€85k	better than 85% of 1216 sector peers
Gross operating margin	€-2k	€70k	better than 5% of 1212 sector peers
Total assets	€352k	€211k	better than 65% of 1216 sector peers

Net profit

€8k

+10760.4% 23-25

Total assets

€352k

-12.8% 23-25

Equity

€352k

-12.8% 23-25

Dividends

€60k

- 23-25

Debt

€224

-54.2% 23-25

Debt ≤ 1y

€127

-44.7% 23-25

Debt > 1y

€97

-62.7% 23-25

Solvency

99.9%

+0.1% 23-25

ROE

2.4%

+12353.3% 23-25

ROA

2.4%

+12360.4% 23-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023
Deposit	micro schema	micro schema	micro schema
Revenue	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a
Net profit	€8k	€77	€4k
Cash flow	n/a	n/a	n/a
Staff costs	-	-	-
Income taxes	-	-	-
Dividends	€60k	-	-
Total assets	€352k	€404k	€405k
Equity	€352k	€404k	€404k
Debt	€224	€491	€2k
of which ≤ 1y	€127	€230	-
of which > 1y	€97	€261	€2k
Working capital	n/a	n/a	n/a
Employees (FTE)	-	-	-

Ratios (computed)

	2025	2024	2023
Current ratio	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a
Solvency	99.9%	99.9%	99.6%
Debt / equity	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a
Net margin	n/a	n/a	n/a
ROA	2.4%	0.0%	1.1%
ROE	2.4%	0.0%	1.1%
EBITDA margin	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €24k · 6.8% Current assets €328k · 93.2%

Equity & liabilities

Equity €352k · 99.9% Debt €224 · 0.1%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€352k	€404k	€405k
Fixed assets	21/28	€24k	€23k	€22k
Tangible fixed assets	22/27	€226	€349	-
Financial fixed assets	28	€24k	€23k	€22k
Current assets	29/58	€328k	€381k	€383k
Amounts receivable within one year	40/41	€4k	€4k	€3k
Investments	50/53	€300k	€300k	€300k
Cash & bank	54/58	€25k	€77k	€81k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€352k	€404k	€405k
Equity	10/15	€352k	€404k	€404k
Contributions / capital	10/11	€62k	€62k	€62k
Reserves	13	€306k	€366k	€366k
Accumulated profits (losses)	14	€-16k	€-24k	€-24k
Amounts payable	17/49	€224	€491	€2k
Amounts payable after one year	17	€97	€261	€2k
Amounts payable within one year	42/48	€127	€230	-
Trade debts payable within one year	44	€127	-	-
Income statement
Gross operating margin	9900	€-2k	€-2k	€-3k
Operating result	9901	€-3k	€-3k	€-4k
Financial income	75	€11k	€4k	€8k
Financial charges	65	€118	€232	€401
Result before taxes	9903	€8k	€77	€4k
Net result for the period	9904	€8k	€77	€4k
Result to be appropriated	9905	€8k	€77	€4k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Public limited company(014)
Incorporation	27-11-2001
Status	Active
Postal code	9667

Establishment units 1 location

BEAM

Korsele 67, 9667 HorebekeNACE 70120

since 20022.114.274.554

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45048A0425/00K000	Flanders	1,727 m²	1 · 347 m²	7.7 m · 1 fl.

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.

Updates 10 events

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-01-2027

2026

31-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-06

Financial Highest result since 2023net €8k ▲10760%

Operating result €-3k, net result €8k, both a record.

31-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-06

Financial Weakest financial yearnet €77 ▼98.3%

Net result drops to €77, the lowest in the series; recovery starts the following year.

28-02

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 28 days late

2023

27-02

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 27 days late

2022

28-02

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 28 days late

2021

22-02

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 22 days late

2020

27-02

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 27 days late

2019

27-02

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 27 days late

2017

21-12

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

08-02

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 8 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies6421074151Renting and operating of own or leased non-residential real estate, excluding land68203

Names & trade names

Legal nameNL

BEAM

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