What does B.A.M & Fils do?

B.A.M & Fils is an insurance broker in Colfontaine. Private Limited, started on 22 November 2022, 1 establishment.

What is the address of B.A.M & Fils?

The registered office of B.A.M & Fils is located at Rue de l'Ecole Moyenne 21, 7340 Colfontaine.

Is B.A.M & Fils still active?

Yes. According to the CBE (29 October 2026) B.A.M & Fils is active, legal situation “Normale toestand”, started on 22 November 2022.

Is B.A.M & Fils registered on Peppol?

Yes, B.A.M & Fils is registered on the Peppol network with ID 0208:0793815138.

What is the enterprise number of B.A.M & Fils?

The enterprise number of B.A.M & Fils is BE0793815138.

When was B.A.M & Fils founded?

B.A.M & Fils was founded on 22 November 2022.

Who are the directors of B.A.M & Fils?

According to the 2025 annual accounts, the directors of B.A.M & Fils are: OLIVIER MATHIEU.

Is B.A.M & Fils a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 22 November 2022; 3 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did B.A.M & Fils make in 2025?

B.A.M & Fils posted a profit after taxes of € 7,088 in financial year 2025.

What is the revenue of B.A.M & Fils?

As a small company, B.A.M & Fils is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 31,150.

B.A.M & Fils (Private Limited) - Colfontaine

Dossier B.A.M & Fils, printed on 29 October 2026 from databakkes.be/en/0793815138/b-a-m-fils. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 11 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

B.A.M & Fils from Colfontaine, company number BE0793815138, closed financial year 2025 with a result of € 7,088 after tax. For that financial year B.A.M & Fils recorded a gross margin of € 31,150 and equity of € 25,090. Compared with financial year 2024, the result moved from € 3,454 to € 7,088. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 21, 2026.

What it is worth Growing

€ 25,090

▲ 39% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 7,088

▲ 105% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 4,332

▼ 6% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 23,690.

People and assets in 2025

Full-time equivalents estimate The annual accounts report no full-time equivalents. A micro company with one active director is usually run by that person; this is an assumption, not a figure from the source.

≈ 1

No payroll staff. One director, so that person most likely runs the business.

Vehicles and equipment

€ 13,527

▼ 33% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 2 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 43,660

▼ 31% vs 2024

€ 20,290 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 4,467

▲ 83% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes

€ 6,559

▼ 30% vs 2024

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

Key figures per fiscal year Download key figures (CSV)
	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 40,016 Gross margin 2023: € 40,016 First fiscal year in the series	€ 27,505 Gross margin 2024: € 27,505 ▼ 31% vs 2023 (€ 40,016) Unfavourable step	€ 31,150 Gross margin 2025: € 31,150 ▲ 13% vs 2024 (€ 27,505) Favourable step	▲ 13%
Profit after taxes	€ 13,148 Profit after taxes 2023: € 13,148 First fiscal year in the series	€ 3,454 Profit after taxes 2024: € 3,454 ▼ 74% vs 2023 (€ 13,148) Unfavourable step	€ 7,088 Profit after taxes 2025: € 7,088 ▲ 105% vs 2024 (€ 3,454) Favourable step	▲ 105%
Equity	€ 14,548 Equity 2023: € 14,548 First fiscal year in the series	€ 18,002 Equity 2024: € 18,002 ▲ 24% vs 2023 (€ 14,548) Favourable step	€ 25,090 Equity 2025: € 25,090 ▲ 39% vs 2024 (€ 18,002) Favourable step	▲ 39%
Total debts	€ 110,483 Total debts 2023: € 110,483 First fiscal year in the series	€ 87,538 Total debts 2024: € 87,538 ▼ 21% vs 2023 (€ 110,483) Favourable step	€ 63,347 Total debts 2025: € 63,347 ▼ 28% vs 2024 (€ 87,538) Favourable step	▼ 28%
Cash	€ 7,555 Cash 2023: € 7,555 First fiscal year in the series	€ 4,624 Cash 2024: € 4,624 ▼ 39% vs 2023 (€ 7,555) Unfavourable step	€ 4,332 Cash 2025: € 4,332 ▼ 6% vs 2024 (€ 4,624) Unfavourable step	▼ 6%
Retained profit	€ 13,148 Retained profit 2023: € 13,148 First fiscal year in the series	€ 16,602 Retained profit 2024: € 16,602 ▲ 26% vs 2023 (€ 13,148) Favourable step	€ 23,690 Retained profit 2025: € 23,690 ▲ 43% vs 2024 (€ 16,602) Favourable step	▲ 43%
Bank debt	€ 84,966 Bank debt 2023: € 84,966 First fiscal year in the series	€ 63,073 Bank debt 2024: € 63,073 ▼ 26% vs 2023 (€ 84,966) Favourable step	€ 43,660 Bank debt 2025: € 43,660 ▼ 31% vs 2024 (€ 63,073) Favourable step	▼ 31%
Balance sheet total	€ 125,031 Balance sheet total 2023: € 125,031 First fiscal year in the series	€ 105,540 Balance sheet total 2024: € 105,540 ▼ 16% vs 2023 (€ 125,031) Unchanged	€ 88,437 Balance sheet total 2025: € 88,437 ▼ 16% vs 2024 (€ 105,540) Unchanged	▼ 16%

Key figures of B.A.M & Fils, fiscal years 2023 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to B.A.M & Fils?

What happened at B.A.M & Fils in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 21, 2026 New annual accounts for financial year 2025: profit of € 7,088 (▲ 105% vs 2024). filed late Source: NBB ↗
Nov 22, 2022 New establishment in Colfontaine. KBO
2022 OLIVIER MATHIEU became a director. NBB
Nov 22, 2022 Start of the company according to the CBE. KBO

In short

From € 13,148 profit in 2023 to € 7,088 profit in 2025.

Paid € 12,862 in corporate taxes since 2023.

Best year ever: 2023, with € 13,148 profit.

Original PDFs at the National Bank ↗

Management

OLIVIER MATHIEU

B.A.M & Fils

INTERCOMMUNALE DU RESEAU SOCIAL D'INSERTION ET D'ACCUEIL

CENTRE INTERCOMMUNALE DE SANTE DU COEUR DU HAINAUT

ALTERIA

Behind B.A.M & Fils is OLIVIER MATHIEU. OLIVIER MATHIEU is also behind INTERCOMMUNALE DU RESEAU SOCIAL D'INSERTION ET D'ACCUEIL, CENTRE INTERCOMMUNALE DE SANTE DU COEUR DU HAINAUT and ALTERIA.

Directors

According to the 2025 annual accounts

OLIVIER MATHIEU

Director

Also active at: INTERCOMMUNALE DU RESEAU SOCIAL D'INSERTION ET D'ACCUEIL, CENTRE INTERCOMMUNALE DE SANTE DU COEUR DU HAINAUT, ALTERIA

since 2022

Establishments

Establishment units

Physical locations of this company

Registered office

Rue de l'Ecole Moyenne 21

7340 Colfontaine

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0793.815.138
VAT number: BE 0793.815.138
Registered office: Rue de l'Ecole Moyenne 21, 7340 Colfontaine
Names & denominations: B.A.M & Fils
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 22 November 2022
Peppol: Active · Active since 17 Dec 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗