BFLAM
ActiveBFLAM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €352. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-4
Solvency47▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.69 in 2024; short-term debt: 76.8% and cash: 12.8% of total assets), and 77.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
22.2%
Return on assets
0.1%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 31584 sector peers (2025).
NBB · sector comparisonPosition among 31584 sector peers
Solvency
better than 25%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €58k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d late
2023
on the day
2022
6 d early
2021
12 d late
2020
4 d early
2019
11 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 0.6%
2024 · €57k
2018: €117k
2019: €91k
2020: €76k
2021: €57k
2022: €54k
2023: €48k
2024: €57k
2018 → 2025
Total assets
€260k▼ 3.1%
2024 · €268k
2018: €387k
2019: €353k
2020: €321k
2021: €297k
2022: €289k
2023: €270k
2024: €268k
2018 → 2025
Net result
€352▼ 96.4%
2024 · €10k
2018: €-36k
2019: €-26k
2020: €-16k
2021: €-18k
2022: €-3k
2023: €-6k
2024: €10k
2018 → 2025
Working capital
€-53k▲ 18.9%
2024 · €-65k
2018: €-10k
2019: €-53k
2020: €-81k
2021: €-120k
2022: €-107k
2023: €-94k
2024: €-65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€54k▼ 5.9%€48k▼ 11.7%€57k▲ 20.3%€58k▲ 0.6%
Operating result€-15k-€-2k▲ 87.9%€-6k▼ 207%€11k€1k▼ 88.5%
Net result€-18k-€-3k▲ 81.6%€-6k▼ 87.6%€10k€352▼ 96.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 88% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €260k
Fixed assets
€113k▼ 9.1%
Current assets
€147k▲ 2.0%
Equity and liabilities €260k
Equity
€58k▲ 0.6%
Debt
€202k▼ 4.1%
The debt ratio falls from 78.6% to 77.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €29k
Cash flow
€20k▼
2024 · €29k
Solvency
22.2%▲
2024 · 21.4%
Current ratio
0.74▲
2024 · 0.69
Quick ratio
0.74▲
2024 · 0.69
Debt / equity
3.50▼
2024 · 3.68
ROE
0.6%▼
2024 · 16.9%
ROA
0.1%▼
2024 · 3.6%
Interest coverage
24.09▼
2024 · 34.65
Debt
€202k▼
2024 · €211k
Debt ≤ 1 year
€199k▼
2024 · €209k
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€268k€260k▼
Fixed assets21/28€124k€113k▼
Tangible fixed assets22/27€124k€113k▼
Land and buildings22€124k€111k▼
Furniture and vehicles24-€2k
Current assets29/58€144k€147k▲
Amounts receivable within one year40/41€5k€5k▲
Trade receivables40€5k€5k▲
Current investments50/53€107k€107k=
Cash at bank and in hand54/58€30k€33k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€268k€260k▼
Equity10/15€57k€58k▲
Contributions10/11€8k€8k=
Reserves13€111k€111k=
Distributable reserves133€111k€111k=
Profit (loss) carried forward14€-62k€-61k▲
Amounts payable17/49€211k€202k▼
Amounts payable within one year42/48€209k€199k▼
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Other amounts payable47/48€207k€194k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€31k€23k▼
Operating profit (loss)9901€11k€1k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€849€860▲
Recurring financial charges65€849€860▲
Profit (loss) for the period before taxes9903€10k€352▼
Profit (loss) for the period9904€10k€352▼
Profit (loss) for the period to be appropriated9905€10k€352▼
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-61k▲
Profit (loss) brought forward from the previous period14P€-71k€-62k▲
The notes to these accounts (7 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
30-09
Financial
Back to profitnet €10k
Net result €10k after 6 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Namur · 1 establishment unit since 2012
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.
Su l'Tîdge(SM) 485003 NamurGround area
1,320 m²
Building footprint
109 m²
Volume, LiDAR
622 m³
Parcel 92106B0072/00P000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BFLAM
since 20122.207.718.614
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92106B0072/00P000 | Wallonia | 1,319 m² | 1 · 109 m² | 8.6 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.
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Kobild
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,570. 38,795 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-02-2012
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.