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DS Bams

Active
Private limited company·Dakwerkzaamheden· 2 yrs active
Beukeboomstraat 22 ·3560 Lummen, Belgium
KBO/BCE: BE 1007.839.797
Watch Print / PDF
Belgian State Gazette acts: 0 of 1 read
Age2 yrs
Real estate2 parcels · 2,833 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DS Bams is 5.5% (elevated). The 2025 annual accounts show negative equity (€-2k) and a net result of €-3k. Its solvency ranks better than 5% of 2905 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
5.5% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

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

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

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 12-12-2025, 50 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 30-06. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 12-12-2025 50 d early 2025-00581866

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
Young company
Founded in 2024, under 3 years, statistically higher risk.
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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-3k
Working capital€16k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 12-12-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -8.8% 43.4%
better than 5% of 2905 sector peers
Net result €-3k €13k
better than 12% of 2904 sector peers
Equity €-2k €44k
better than 6% of 2905 sector peers
Gross operating margin €2k €39k
better than 8% of 2902 sector peers
Total assets €26k €115k
better than 8% of 2905 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenue-
EBITDA€1k
Net profit€-3k
Cash flow€-3k
Staff costs-
Income taxes€147
Dividends-
Total assets€26k
Equity€-2k
Debt€29k
of which ≤ 1y€7k
of which > 1y€22k
Working capital€16k
Employees (FTE)-
Ratios (computed)
2025
Current ratio3.51
Quick ratio3.51
Working capital ratio62.5%
Solvency-8.8%
Debt / equity-12.30
Long-term debt ratio-9.39
Interest coverage0.32
Gross margin-
Net margin-
ROA-12.7%
ROE143.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€26k
Fixed assets 21/28€3k
Tangible fixed assets 22/27€3k
Financial fixed assets 28€750
Current assets 29/58€23k
Amounts receivable within one year 40/41€6k
Cash & bank 54/58€7k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€26k
Equity 10/15€-2k
Contributions / capital 10/11€1k
Accumulated profits (losses) 14€-3k
Amounts payable 17/49€29k
Amounts payable after one year 17€22k
Amounts payable within one year 42/48€7k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€2k
Operating result 9901€465
Financial income 75€146
Financial charges 65€4k
Result before taxes 9903€-3k
Income taxes 67/77€147
Net result for the period 9904€-3k
Result to be appropriated 9905€-3k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
40 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in 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

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

2 locations
DS Bams
Beukeboomstraat 22, 3560 LummenSchrijnwerk
since 20242.358.107.018
DS Bams
Sint-Jorislaan 77, 3540 Herk-de-StadSchrijnwerk
since 20252.370.605.071
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area2,833 m²
Buildings2
Building footprint1,283 m²
Volume (LiDAR)6,069 m³
Tallest building10.5 m · ±2 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.
71051C0547/00A004 Flanders 1,871 m² 1 · 1,123 m² 10.1 m · 2 fl.
71037C2027/00D000 Flanders 963 m² 1 · 160 m² 10.5 m · 1 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

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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

Financial profile

4 of 5 axes measured
Health40Profitability100Solvency67Growth-Stability67
68 / 100

Strong profile, led by profitability.

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

Health 40
Profitability 100
Solvency 67
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 1,275 of the 8,504 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Dakwerkzaamheden43410Schrijnwerk43320
Primary activity highlighted.
Names & trade names
Legal nameNL DS Bams
Registered office
Beukeboomstraat 22
3560 Lummen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.