A. MAE
ActiveA. MAE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-150k) and a net result of €-206k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 6% of 3540 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
7
/ 100
Critical▼ -64 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency33▲+6
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.34 against 1.29 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-165.3%
Return on assets
-227.6%
Age of the figures
20 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← 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
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€150k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-04-2026, 253 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
253 d late
2023
69 d late
2022
29 d late
2021
26 d late
2020
31 d late
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-206k
2023 · €16k
2018: €12k
2019: €-5k
2020: €3k
2021: €2k
2022: €8k
2023: €16k
2018 → 2024
Working capital
€-149k
2023 · €94k
2018: €40k
2019: €24k
2020: €22k
2021: €148k
2022: €136k
2023: €94k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€31k-€33k▲ 7.3%€40k▲ 22.8%€56k▲ 39.4%€-150k
Operating result€7k-€3k▼ 61.1%€10k▲ 256%€24k▲ 135%€-190k
Net result€3k-€2k▼ 33.8%€8k▲ 237%€16k▲ 113%€-206k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €190k after €24k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €91k
Fixed assets
€13k▲ 811%
Current assets
€77k▼ 81.4%
Key figures and ratios
EBITDA
€-187k▼
2023 · €24k
Cash flow
€-203k▼
2023 · €16k
Solvency
-165.3%▼
2023 · 13.5%
Current ratio
0.34▼
2023 · 1.29
Quick ratio
0.00▼
2023 · 0.72
Debt / equity
-1.61▼
2023 · 6.41
ROE
137.7%▲
2023 · 28.3%
ROA
-227.6%▼
2023 · 3.8%
Interest coverage
-11.90▼
2023 · 3.02
Debt
€240k▼
2023 · €362k
Debt ≤ 1 year
€227k▼
2023 · €322k
Debt > 1 year
€14k▼
2023 · €39k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€418k€91k▼
Fixed assets21/28€1k€13k▲
Tangible fixed assets22/27€830€13k▲
Plant, machinery and equipment23€830€570▼
Furniture and vehicles24-€12k
Financial fixed assets28€620€620=
Current assets29/58€417k€77k▼
Stocks and contracts in progress3€185k€77k▼
Stocks30/36€185k€77k▼
Amounts receivable within one year40/41€188k-
Trade receivables40€185k-
Other amounts receivable41€3k-
Cash at bank and in hand54/58€44k-
Deferred charges and accrued income490/1€779-
Equity and liabilities
Total equity and liabilities10/49€418k€91k▼
Equity10/15€56k€-150k▼
Contributions10/11€19k€19k=
Outside capital11-€19k
Other1109/19-€19k
Reserves13€35k€35k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€33k€33k=
Profit (loss) carried forward14€3k€-203k▼
Amounts payable17/49€362k€240k▼
Amounts payable after more than one year17€39k€14k▼
Financial debts170/4€39k€14k▼
Amounts payable within one year42/48€322k€227k▼
Current portion of amounts payable after more than one year42€24k€26k▲
Financial debts43€52k€52k▼
Credit institutions430/8€52k€52k▼
Trade debts44€192k€76k▼
Suppliers440/4€192k€76k▼
Advances received on contracts in progress46€22k€22k=
Taxes, remuneration and social security45€32k€43k▲
Taxes450/3€32k€43k▲
Other amounts payable47/48€671€9k▲
Income statement
Code20232024
Non-recurring operating income76A€63k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€260€4k▲
Other operating charges640/8€402€2k▲
Non-recurring operating charges66A-€22k
Gross operating margin9900€25k€-163k▼
Operating profit (loss)9901€24k€-190k▼
Financial income75/76B€34-
Recurring financial income75€34-
Financial charges65/66B€8k€16k▲
Recurring financial charges65€8k€16k▲
Profit (loss) for the period before taxes9903€16k€-206k▼
Profit (loss) for the period9904€16k€-206k▼
Profit (loss) for the period to be appropriated9905€16k€-206k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€-203k▼
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer to equity691/2€15k-
To other reserves6921€15k-
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
2026
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 253 days late
2024
31-12
Financial
Weakest financial yearnet €-206k ▼1391%
Net result drops to €-206k, the lowest in the series.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Highest result since 2018net €16k ▲113%
Operating result €24k, net result €16k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
20-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 264 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Quiévrain · 1 establishment unit since 2013
Ground area
613 m²
Building footprint
144 m²
Volume, LiDAR
681 m³
Parcel 53068A1627/00P000, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A.MAE
since 20132.215.604.714
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53068A1627/00P000 | Wallonia | 613 m² | 1 · 144 m² | 6.5 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.
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Of 7,342 companies in sector 95311 we hold annual accounts for 2,938. 2,138 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2013
Fiscal year end31-12
Trade name FR
Auto Finance
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.