BIONAM
ActiveBIONAM has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256k and a net result of €8k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 88% of 1522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-16
Solvency79▲+1
Growth58=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.02 in 2024), and 21.6% 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 10
Relative position
BE, all sectors
reference
Sector 10
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
78.4%
Return on assets
2.5%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €256k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
45 d early
2023
27 d late
2022
32 d early
2021
37 d early
2020
36 d early
2019
39 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€256k▲ 3.3%
2024 · €248k
2018: €280k
2019: €266k
2020: €267k
2021: €254k
2022: €249k
2023: €232k
2024: €248k
2018 → 2025
Total assets
€327k▲ 14.2%
2024 · €286k
2018: €380k
2019: €353k
2020: €337k
2021: €321k
2022: €301k
2023: €290k
2024: €286k
2018 → 2025
Net result
€8k▼ 49.6%
2024 · €16k
2018: €5k
2019: €-15k
2020: €952
2021: €-12k
2022: €-5k
2023: €-17k
2024: €16k
2018 → 2025
Working capital
€2k▲ 262%
2024 · €485
2018: €73k
2019: €59k
2020: €54k
2021: €36k
2022: €25k
2023: €-9k
2024: €485
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€254k-€249k▼ 2.1%€232k▼ 6.9%€248k▲ 6.9%€256k▲ 3.3%
Operating result€-11k-€456€-15k€17k€10k▼ 43.9%
Net result€-12k-€-5k▲ 56.1%€-17k▼ 218%€16k€8k▼ 49.6%
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 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€274k▲ 6.3%
Current assets
€52k▲ 87.5%
Equity and liabilities €327k
Equity
€256k▲ 3.3%
Debt
€70k▲ 85.7%
The debt ratio rises from 13.3% to 21.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€24k▼
2024 · €28k
Cash flow
€23k▼
2024 · €27k
Solvency
78.4%▼
2024 · 86.7%
Current ratio
1.03▲
2024 · 1.02
Quick ratio
0.95▲
2024 · 0.71
Debt / equity
0.27▲
2024 · 0.15
ROE
3.2%▼
2024 · 6.5%
ROA
2.5%▼
2024 · 5.6%
Interest coverage
15.73▼
2024 · 21.60
Debt
€70k▲
2024 · €38k
Debt ≤ 1 year
€50k▲
2024 · €27k
Debt > 1 year
€19k▲
2024 · €11k
Income taxes
€113
Staff costs
€5k▼
2024 · €9k
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€286k€327k▲
Fixed assets21/28€258k€274k▲
Tangible fixed assets22/27€258k€274k▲
Land and buildings22€249k€241k▼
Plant, machinery and equipment23€1k€764▼
Furniture and vehicles24€8k€8k▼
Leasing and similar rights25-€25k
Financial fixed assets28€182€182=
Current assets29/58€28k€52k▲
Stocks and contracts in progress3€8k€4k▼
Stocks30/36€8k€4k▼
Amounts receivable within one year40/41€15k€21k▲
Trade receivables40€12k€17k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€3k€27k▲
Deferred charges and accrued income490/1€811-
Equity and liabilities
Total equity and liabilities10/49€286k€327k▲
Equity10/15€248k€256k▲
Contributions10/11€28k€28k=
Reserves13€90k€90k=
Tax-exempt reserves132€90k€90k=
Profit (loss) carried forward14€131k€139k▲
Amounts payable17/49€38k€70k▲
Amounts payable after more than one year17€11k€19k▲
Financial debts170/4€11k€19k▲
Amounts payable within one year42/48€27k€50k▲
Current portion of amounts payable after more than one year42€8k€11k▲
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€1k€334▼
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€8k€34k▲
Accrued charges and deferred income492/3-€801
Income statement
Code20242025
Remuneration, social security and pensions62€9k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€15k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€39k€34k▼
Operating profit (loss)9901€17k€10k▼
Financial income75/76B€62€38▼
Recurring financial income75€62€38▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€16k€8k▼
Income taxes67/77-€113
Profit (loss) for the period9904€16k€8k▼
Profit (loss) for the period to be appropriated9905€16k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€131k€139k▲
Profit (loss) brought forward from the previous period14P€114k€131k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €952
Net result €952 after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2008
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.
Les Marlères(ML) 175020 NamurGround area
1,672 m²
Building footprint
270 m²
Volume, LiDAR
1,301 m³
Parcel 92082B0185/02T000, Wallonia · tallest building 13.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BIONAM
since 20082.169.465.673
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92082B0185/02T000 | Wallonia | 1,672 m² | 1 · 270 m² | 13.5 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.169.465.673
Similar companies · same sector, comparable size
BOULANGERIE HODY
BE 0447.605.906
Fleurus · Eq €257k
LOBELIA
BE 0477.934.242
Lier · Eq €256k
Bakkerij Wivi
BE 0599.980.038
Westerlo · Eq €255k
BAULIS
BE 0817.195.306
Landen · Eq €255k
DRIE STERREN
BE 0452.189.551
Antwerpen · Eq €257k
Of 4,201 companies in sector 10712 we hold annual accounts for 1,851. 1,447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2008
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.