A.M.
ActiveSummary
A.M. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.36M and a net result of €25k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 1517 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-5
Solvency100▲+30
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 8.04 against 1.56 in 2024; short-term debt: 10.1% and cash: 22.1% of total assets), and 10.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 77
Relative position
BE, all sectors
reference
Sector 77
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
89.9%
Return on assets
1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 22-10-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
24 d early
2023
6 d early
2022
4 d early
2021
10 d early
2020
11 d early
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.36M▲ 1.1%
2024 · €2.33M
2019: €781k
2020: €1.02M
2021: €1.44M
2022: €1.84M
2023: €2.08M
2024: €2.33M
2019 → 2025
Total assets
€2.62M▼ 49.7%
2024 · €5.21M
2019: €4.20M
2020: €4.46M
2021: €4.59M
2022: €4.58M
2023: €4.80M
2024: €5.21M
2019 → 2025
Net result
€25k▼ 90.0%
2024 · €249k
2019: €71k
2020: €237k
2021: €424k
2022: €397k
2023: €243k
2024: €249k
2019 → 2025
Working capital
€1.86M▲ 15.3%
2024 · €1.61M
2019: €-2.10M
2020: €-1.84M
2021: €-1.62M
2022: €-1.27M
2023: €1.47M
2024: €1.61M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.44M-€1.84M▲ 27.5%€2.08M▲ 13.2%€2.33M▲ 12.0%€2.36M▲ 1.1%
Operating result€540k-€515k▼ 4.6%€292k▼ 43.3%€330k▲ 13.0%€23k▼ 93.1%
Net result€424k-€397k▼ 6.4%€243k▼ 38.7%€249k▲ 2.4%€25k▼ 90.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.62M
Fixed assets
€498k ▼ 30.9%
Current assets
€2.12M ▼ 52.7%
Equity and liabilities €2.62M
Equity
€2.36M ▲ 1.1%
Debt
€264k ▼ 90.8%
Debt's share of the balance-sheet total falls from 55.2% to 10.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€317k▼
2024 · €599k
Cash flow
€319k▼
2024 · €518k
Current ratio
8.04▲
2024 · 1.56
Quick ratio
7.93▲
2024 · 1.55
Debt to equity
0.11▼
2024 · 1.23
ROE
1.1%▼
2024 · 10.7%
ROA
1.0%▼
2024 · 4.8%
Interest coverage
7906.77▲
2024 · 1800.41
Debt ≤ 1 year
€264k▼
2024 · €2.88M
Income taxes
€5k▼
2024 · €90k
Staff costs
€158k▼
2024 · €171k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.21M€2.62M▼
Fixed assets21/28€720k€498k▼
Tangible fixed assets22/27€720k€498k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€714k€493k▼
Financial fixed assets28€135-
Current assets29/58€4.49M€2.12M▼
Stocks and contracts in progress3€32k€28k▼
Stocks30/36€32k€28k▼
Amounts receivable within one year40/41€4.33M€1.52M▼
Trade receivables40€628k€404k▼
Other amounts receivable41€3.71M€1.11M▼
Cash at bank and in hand54/58€123k€578k▲
Equity and liabilities
Total equity and liabilities10/49€5.21M€2.62M▼
Equity10/15€2.33M€2.36M▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2.33M€2.35M▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€2.32M€2.35M▲
Amounts payable17/49€2.88M€264k▼
Amounts payable within one year42/48€2.88M€264k▼
Trade debts44€162k€184k▲
Suppliers440/4€162k€184k▲
Taxes, remuneration and social security45€162k€73k▼
Taxes450/3€156k€52k▼
Remuneration and social security454/9€6k€21k▲
Other amounts payable47/48€2.55M€7k▼
Income statement
Code20242025
Non-recurring operating income76A€50k-
Remuneration, social security and pensions62€171k€158k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€269k€294k▲
Other operating charges640/8€18k€43k▲
Gross operating margin9900€788k€518k▼
Operating profit (loss)9901€330k€23k▼
Financial income75/76B€10k€7k▼
Recurring financial income75€10k€7k▼
Financial charges65/66B€333€40▼
Recurring financial charges65€333€40▼
Profit (loss) for the period before taxes9903€339k€30k▼
Income taxes67/77€90k€5k▼
Profit (loss) for the period9904€249k€25k▼
Profit (loss) for the period to be appropriated9905€249k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€249k€25k▼
Transfer to equity691/2€249k€25k▼
To other reserves6921€249k€25k▼
Social balance
Average headcount (FTE)90872.3-
The notes to these accounts (6 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
22-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €25k ▼90%
Net result drops to €25k, the lowest in the series.
31-03
Financial
Liquidity times 5current ratio 8.04
Current ratio from 1.56 to 8.04; short-term debt falls from €2.88M to €264k.
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 1.54
Current ratio from 0.54 to 1.54; short-term debt falls from €2.74M to €2.72M.
31-03
Financial
Equity above €2MEq €2.08M ▲13.2%
5 profitable years in a row build equity to €2.08M.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €424k ▲78.6%
Operating result €540k, net result €424k, both a record.
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Equity above €1MEq €1.02M ▲30.4%
2 profitable years in a row build equity to €1.02M.
Show earlier events
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2017
28-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beerse · 1 establishment unit since 2003
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.
Rouwleegd 472340 BeerseGround area
2,040 m²
Building footprint
327 m²
Volume, LiDAR
1,680 m³
Parcel 13004E0001/00R081, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A.M.
since 20032.159.620.569
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004E0001/00R081 | Flanders | 2,040 m² | 1 · 327 m² | 8.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 384 EUR awarded · 384 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 72 EUR | 72 EUR |
| 2022 | 1 | 312 EUR | 312 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,443 companies in sector 77110 we hold annual accounts for 727. 250 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2003
Fiscal year end31-03
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
33120Repair and maintenance of machinery
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.