BONAMI
ActiveThe computed 12-month bankruptcy probability of BONAMI is 2.2% (moderate). The 2025 annual accounts show equity of €282k and a net result of €273k. Equity is growing by ~62.4% per year across the filed fiscal years. Its solvency ranks better than 59% of 4307 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
91
/ 100
Excellent▼ -9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▼-7
Growth78=
Stability100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.32 against 2.66 in 2024), but 52% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
48%
Return on assets
46.6%
Age of the figures
11 mo
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 18-12-2025, 133 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
133 d early
2024
34 d early
2023
40 d early
2022
38 d early
2021
1 d early
← 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
07-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€282k▼ 50.4%
2024 · €569k
2021: €6k
2022: €266k
2023: €315k
2024: €569k
2021 → 2025
Total assets
€587k▼ 27.7%
2024 · €812k
2021: €511k
2022: €716k
2023: €469k
2024: €812k
2021 → 2025
Net result
€273k▲ 7.8%
2024 · €253k
2021: €921
2022: €260k
2023: €49k
2024: €253k
2021 → 2025
Working capital
€318k▼ 21.3%
2024 · €403k
2021: €-224k
2022: €172k
2023: €220k
2024: €403k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€266k▲ 4,394%€315k▲ 18.5%€569k▲ 80.4%€282k▼ 50.4%
Operating result€8k-€334k▲ 3,930%€60k▼ 82.1%€334k▲ 459%€388k▲ 16.1%
Net result€921-€260k▲ 28,144%€49k▼ 81.1%€253k▲ 416%€273k▲ 7.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 16% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €587k
Fixed assets
€132k▼ 19.9%
Current assets
€455k▼ 29.7%
Equity and liabilities €587k
Equity
€282k▼ 50.4%
Debt
€305k▲ 25.3%
The debt ratio rises from 30.0% to 52.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€421k▲
2024 · €364k
Cash flow
€306k▲
2024 · €283k
Solvency
48.0%▼
2024 · 70.0%
Current ratio
3.32▲
2024 · 2.66
Quick ratio
2.45▲
2024 · 1.86
Debt / equity
1.08▲
2024 · 0.43
ROE
97.0%▲
2024 · 44.6%
ROA
46.6%▲
2024 · 31.2%
Interest coverage
32.35▼
2024 · 805.67
Debt
€305k▲
2024 · €244k
Debt ≤ 1 year
€137k▼
2024 · €244k
Debt > 1 year
€168k
Income taxes
€102k▲
2024 · €81k
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€812k€587k▼
Fixed assets21/28€165k€132k▼
Intangible fixed assets21€123k€108k▼
Tangible fixed assets22/27€42k€24k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€37k€20k▼
Current assets29/58€647k€455k▼
Stocks and contracts in progress3€194k€119k▼
Stocks30/36€166k€119k▼
Contracts in progress37€28k-
Amounts receivable within one year40/41€126k€46k▼
Trade receivables40€49k€27k▼
Other amounts receivable41€77k€19k▼
Cash at bank and in hand54/58€326k€289k▼
Deferred charges and accrued income490/1€936€1k▲
Equity and liabilities
Total equity and liabilities10/49€812k€587k▼
Equity10/15€569k€282k▼
Contributions10/11€5k€5k=
Reserves13€564k€277k▼
Distributable reserves133€564k€277k▼
Amounts payable17/49€244k€305k▲
Amounts payable after more than one year17-€168k
Financial debts170/4-€168k
Amounts payable within one year42/48€244k€137k▼
Current portion of amounts payable after more than one year42-€47k
Financial debts43€100k-
Credit institutions430/8€100k-
Trade debts44€141k€2k▼
Suppliers440/4€141k€2k▼
Advances received on contracts in progress46€3k€114▼
Taxes, remuneration and social security45-€19k
Taxes450/3-€16k
Remuneration and social security454/9-€3k
Other amounts payable47/48€419€68k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€33k▲
Other operating charges640/8€13k€17k▲
Gross operating margin9900€377k€438k▲
Operating profit (loss)9901€334k€388k▲
Financial income75/76B-€298
Recurring financial income75-€298
Financial charges65/66B€452€13k▲
Recurring financial charges65€452€13k▲
Profit (loss) for the period before taxes9903€334k€376k▲
Income taxes67/77€81k€102k▲
Profit (loss) for the period9904€253k€273k▲
Profit (loss) for the period to be appropriated9905€253k€273k▲
Appropriation of the result
Profit (loss) to be appropriated9906€253k€273k▲
Transfer from equity791/2-€560k
Transfer to equity691/2€253k€273k▲
To other reserves6921€253k€273k▲
Profit to be distributed694/7-€560k
Return on contributions (dividend)694-€560k
The notes to these accounts (8 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Highest result since 2021net €273k ▲7.8%
Operating result €388k, net result €273k, both a record.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €500kEq €569k ▲80.4%
4 profitable years in a row build equity to €569k.
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity triplescurrent ratio 1.38
Current ratio from 0.52 to 1.38; short-term debt falls from €468k to €450k.
30-09
Financial
Equity above €200kEq €266k ▲4394%
2 profitable years in a row build equity to €266k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Similar companies · same sector, comparable size
CWMS
BE 0473.451.555
Berlaar · Eq €282k
BKD-EXPRESS
BE 0508.843.885
Boechout · Eq €282k
TRANSPORT ARIJS
BE 0421.185.975
Ternat · Eq €282k
MEUWISSEN TRANSPORT
BE 0884.903.581
Kinrooi · Eq €281k
PETROMA TRANSPORTS
BE 0401.812.602
Seneffe · Eq €281k
Of 12,431 companies in sector 49410 we hold annual accounts for 8,033. 5,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end30-09
Activities, NACEBEL
49410Freight transport by road
90032Arts creation and performing arts activities
90120Visual arts creation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.