Age2 yrs
Real estate2 parcels · 4,484 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of A-REMO is 5.0% (elevated). The 2025 annual accounts show negative equity (€-3k) and a net result of €-8k. Its solvency ranks better than 5% of 2873 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone5.0%
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 evidenceNegative 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-wideFiled after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-05-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-09. 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 30-09-2025, that is 30-04-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-09-2025 | 30-04-2026 | 20-05-2026 | 20 d late | 2026-00117759 |
| 30-09-2024 | 30-04-2025 | 25-04-2025 | 5 d early | 2025-00076500 |
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 signalsYoung company
Founded in 2023, 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€-8k
Working capital€7k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 20-05-2026 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 | -8.3% | 43.4% | |
| Net result | €-8k | €13k | |
| Equity | €-3k | €44k | |
| Gross operating margin | €17k | €39k | |
| Staff costs | €2k | €30k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-2k
-
24-25
€-8k
-
24-25
€-4k
-
24-25
€38k
-12.8%
24-25
€-3k
-
24-25
€7k
-
24-25
€2k
+493.9%
24-25
€26
-98.1%
24-25
€800
-
24-25
€42k
+5.9%
24-25
€16k
-10.1%
24-25
€26k
+19.4%
24-25
1.43
+752.9%
24-25
1.34
+1144.4%
24-25
-8.3%
-
24-25
-13.07
-
24-25
250.1%
+161.1%
24-25
-20.7%
-
24-25
-1.01
-
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-2k |
| Net profit | €-8k |
| Cash flow | €-4k |
| Staff costs | €2k |
| Income taxes | €26 |
| Dividends | - |
| Total assets | €38k |
| Equity | €-3k |
| Debt | €42k |
| of which ≤ 1y | €16k |
| of which > 1y | €26k |
| Working capital | €7k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.43 |
| Quick ratio | 1.34 |
| Working capital ratio | 18.0% |
| Solvency | -8.3% |
| Debt / equity | -13.07 |
| Long-term debt ratio | -8.01 |
| Interest coverage | -1.01 |
| Gross margin | - |
| Net margin | - |
| ROA | -20.7% |
| ROE | 250.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €38k |
| Fixed assets | 21/28 | €15k |
| Intangible fixed assets | 21 | €212 |
| Tangible fixed assets | 22/27 | €15k |
| Current assets | 29/58 | €23k |
| Stocks & contracts in progress | 3 | €1k |
| Amounts receivable within one year | 40/41 | €16k |
| Cash & bank | 54/58 | €5k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €38k |
| Equity | 10/15 | €-3k |
| Contributions / capital | 10/11 | €1k |
| Accumulated profits (losses) | 14 | €-4k |
| Amounts payable | 17/49 | €42k |
| Amounts payable after one year | 17 | €26k |
| Amounts payable within one year | 42/48 | €16k |
| Trade debts payable within one year | 44 | €5k |
| Income statement | ||
| Gross operating margin | 9900 | €17k |
| Operating result | 9901 | €-6k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €-8k |
| Income taxes | 67/77 | €26 |
| Net result for the period | 9904 | €-8k |
| Result to be appropriated | 9905 | €-8k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed32
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from 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
from the Crossroads BankCannot 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.
Lepelstraat 423800 Sint-TruidenEstablishment units
2 locationsA-REMO
since 20232.349.640.403
A-REMO
since 20232.350.682.063
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area4,484 m²
Buildings2
Building footprint1,271 m²
Volume (LiDAR)7,243 m³
Tallest building10.3 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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. |
|---|---|---|---|---|
| 24592F0044/00R002 | Flanders | 4,045 m² | 1 · 1,180 m² | 7.7 m · 2 fl. |
| 71353E0330/00N002 | Flanders | 438 m² | 1 · 91 m² | 10.3 m · 2 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
Belgisch Staatsblad · acts
1 acts Address history · 1
14-01-2025
Registered-office move
All acts · 1
updated 1 year ago
2025
14-01-2025 Registered office moved from Tienen to Sint-Truiden
- Distelstraat 55/1 3300 Tienen → Lepelstraat 42 3800 Sint-Truiden
Analysis
Snowflake analysis
financial profile on 5 axes60
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
32
Profitability
100
Solvency
54
Growth
32
Stability
82
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Credit advice
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We hold annual accounts for 1,966 of the 15,529 companies in this sector. 1,110 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Landmeters71122Activiteiten van landmeters-experts71122Algemene reiniging van gebouwen81210Algemene reiniging van gebouwen81210Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | A-REMO |
Registered office
Lepelstraat 42
3800 Sint-Truiden, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.