BUDAMA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BUDAMA is 0.1% (very low). The 2025 annual accounts show equity of €145k and a net result of €7k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 78% of 217 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 78% of 217 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

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 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	30-01-2026	1 d early	2026-00025792
30-06-2024	31-01-2025	31-01-2025	on the day	2025-00025926
30-06-2023	31-01-2024	15-02-2024	15 d late	2024-00031388
30-06-2022	31-01-2023	30-01-2023	1 d early	2023-00021496
30-06-2021	31-01-2022	26-01-2022	5 d early	2022-02000343
30-06-2020	31-01-2021	18-02-2021	18 d late	2021-05700500
30-06-2019	31-01-2020	04-02-2020	4 d late	2020-04500077
30-06-2018	31-01-2019	14-01-2019	17 d early	2019-01200084
30-06-2017	31-01-2018	09-01-2018	22 d early	2018-00800409
30-06-2016	31-01-2017	24-01-2017	7 d early	2017-02200302

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1995, 30 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 Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Long track record −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€7k-22.4%

Working capital€85k+9.9%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

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

growing Equity: growth of ~9.2%/year over 7 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 01, Agriculture · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	56.9%	22.8%	better than 78% of 217 sector peers
Net result	€7k	€10k	better than 45% of 217 sector peers
Equity	€145k	€66k	better than 72% of 217 sector peers
Gross operating margin	€21k	€51k	better than 31% of 217 sector peers
Total assets	€255k	€279k	better than 47% of 217 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P78

Improving position over 2020-2025 · n=168-813

Net result P45

Stable position over 2020-2025 · n=168-812

Equity P72

Improving position over 2020-2025 · n=168-813

Gross operating margin P31

Weakening position over 2020-2025 · n=168-813

Describes the position versus peers, not a forecast.

EBITDA

€20k

-15.1% 19-25

Net profit

€7k

-22.4% 19-25

Cash flow

€16k

-11.4% 19-25

Total assets

€255k

-6.9% 19-25

Equity

€145k

+5.3% 19-25

Working capital

€85k

+9.9% 19-25

Income taxes

€4k

-20.1% 19-25

Debt

€98k

-20.4% 19-25

Debt ≤ 1y

€76k

-18.6% 19-25

Debt > 1y

€22k

-26.1% 19-25

Current ratio

2.12

+15.9% 19-25

Quick ratio

2.12

+15.9% 19-25

Solvency

56.9%

+13.1% 19-25

Debt / equity

0.67

-24.4% 19-25

ROE

5.0%

-26.3% 19-25

ROA

2.9%

-16.7% 19-25

Interest coverage

24.02

+16.0% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€20k
Net profit	€7k
Cash flow	€16k
Staff costs	-
Income taxes	€4k
Dividends	-
Total assets	€255k
Equity	€145k
Debt	€98k
of which ≤ 1y	€76k
of which > 1y	€22k
Working capital	€85k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.12
Quick ratio	2.12
Working capital ratio	33.3%
Solvency	56.9%
Debt / equity	0.67
Long-term debt ratio	0.15
Interest coverage	24.02
Gross margin	-
Net margin	-
ROA	2.9%
ROE	5.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €94k · 37.0% Current assets €161k · 63.0%

Equity & liabilities

Equity €145k · 56.9% Provisions €12k · 4.8% Debt €98k · 38.2%

Full annual accounts

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€255k
Fixed assets	21/28	€94k
Tangible fixed assets	22/27	€94k
Financial fixed assets	28	€25
Current assets	29/58	€161k
Amounts receivable within one year	40/41	€98k
Cash & bank	54/58	€62k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€255k
Equity	10/15	€145k
Contributions / capital	10/11	€62k
Reserves	13	€83k
Accumulated profits (losses)	14	€345
Provisions & deferred taxes	16	€12k
Amounts payable	17/49	€98k
Amounts payable after one year	17	€22k
Amounts payable within one year	42/48	€76k
Trade debts payable within one year	44	€12k
Income statement
Gross operating margin	9900	€21k
Operating result	9901	€11k
Financial income	75	€140
Financial charges	65	€829
Result before taxes	9903	€10k
Income taxes	67/77	€4k
Net result for the period	9904	€7k
Result to be appropriated	9905	€11k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Dries 411785 Merchtem

Establishment units

1 location

Neringstraat 15, 1840 Londerzeel

Teelt van oliehoudende zaden en van peulvruchten : aardnoten, sojabonen, koolzaad, enz

since 19952.073.107.358

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area2,914 m²

Buildings2

Building footprint658 m²

Volume (LiDAR)5,994 m³

Tallest building12.4 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23045D0258/00T000	Flanders	2,082 m²	1 · 457 m²	12.3 m · 3 fl.
23052C0077/00E000	Flanders	832 m²	1 · 200 m²	11.4 m · 3 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

77 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 25

Solvency 98

Growth 78

Stability 100

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

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We hold annual accounts for 89 of the 5,178 companies in this sector. 70 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Teelt van granen en andere akkerbouwgewassen, n.e.g01110Teelt van granen (m.u.v. rijst), peulgewassen en oliehoudende zaden01110Teelt van andere granen dan rijst, en van peulgewassen en oliehoudende zaden01110Detailhandel in groenten en fruit in gespecialiseerde winkels47210Detailhandel in groenten en fruit47210Detailhandel in groenten en fruit52210

Primary activity highlighted.

Names & trade names

Legal nameNL

BUDAMA

Registered office

Dries 41

1785 Merchtem, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.