AMAJO
ActiveSummary
AMAJO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €409k and a net result of €21k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 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
Profitability75▲+6
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 11.69 against 7.75 in 2024; short-term debt: 8.1% and cash: 12.9% of total assets), and 8.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
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
91.5%
Return on assets
4.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
18 d late
2023
30 d late
2022
59 d early
2021
17 d early
2020
12 d early
2019
9 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€409k▲ 5.4%
2024 · €388k
2018: €128k
2019: €180k
2020: €226k
2021: €271k
2022: €305k
2023: €389k
2024: €388k
2018 → 2025
Total assets
€447k▲ 0.9%
2024 · €443k
2018: €130k
2019: €189k
2020: €281k
2021: €330k
2022: €364k
2023: €443k
2024: €443k
2018 → 2025
Net result
€21k
2024 · €-707
2018: €50k
2019: €53k
2020: €46k
2021: €45k
2022: €34k
2023: €84k
2024: €-707
2018 → 2025
Working capital
€389k▲ 7.5%
2024 · €362k
2018: €127k
2019: €180k
2020: €193k
2021: €232k
2022: €288k
2023: €376k
2024: €362k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€271k-€305k▲ 12.5%€389k▲ 27.6%€388k▼ 0.2%€409k▲ 5.4%
Operating result€61k-€48k▼ 21.8%€113k▲ 135%€1k▼ 98.9%€27k▲ 2,142%
Net result€45k-€34k▼ 24.6%€84k▲ 148%€-707€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,142% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €447k
Fixed assets
€21k ▼ 21.6%
Current assets
€426k ▲ 2.3%
Equity and liabilities €447k
Equity
€409k ▲ 5.4%
Debt
€38k ▼ 31.3%
Debt's share of the balance-sheet total falls from 12.4% to 8.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▲
2024 · €15k
Cash flow
€31k▲
2024 · €13k
Current ratio
11.69▲
2024 · 7.75
Debt to equity
0.09▼
2024 · 0.14
ROE
5.2%▲
2024 · -0.2%
ROA
4.7%▲
2024 · -0.2%
Interest coverage
43.72▲
2024 · 14.17
Debt ≤ 1 year
€36k▼
2024 · €54k
Income taxes
€10k▲
2024 · €4k
Staff costs
€0▼
2024 · €248
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€443k€447k▲
Fixed assets21/28€27k€21k▼
Tangible fixed assets22/27€27k€21k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€20k€14k▼
Other tangible fixed assets26€4k€5k▲
Current assets29/58€416k€426k▲
Amounts receivable after more than one year29€20k€0▼
Other amounts receivable291€20k€0▼
Amounts receivable within one year40/41€191k€280k▲
Trade receivables40€133k€213k▲
Other amounts receivable41€58k€67k▲
Current investments50/53€67k€79k▲
Cash at bank and in hand54/58€136k€58k▼
Deferred charges and accrued income490/1€3k€9k▲
Equity and liabilities
Total equity and liabilities10/49€443k€447k▲
Equity10/15€388k€409k▲
Contributions10/11€394k€394k=
Reserves13-€15k
Distributable reserves133-€15k
Profit (loss) carried forward14€-6k€0▲
Amounts payable17/49€55k€38k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€54k€36k▼
Current portion of amounts payable after more than one year42€6k€0▼
Trade debts44€38k€23k▼
Suppliers440/4€38k€23k▼
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€10k€14k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€248€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€10k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€17k€39k▲
Operating profit (loss)9901€1k€27k▲
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€1k€849▼
Recurring financial charges65€1k€849▼
Profit (loss) for the period before taxes9903€4k€31k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€-707€21k▲
Profit (loss) for the period to be appropriated9905€-707€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€15k▲
Profit (loss) brought forward from the previous period14P€-5k€-6k▼
Transfer from equity791/2€0-
Transfer to equity691/2-€15k
To other reserves6921-€15k
The notes to these accounts (14 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
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Weakest financial yearnet €-707 ▼101%
Net result drops to €-707, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €84k ▲148%
Operating result €113k, net result €84k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €226k ▲25.3%
3 profitable years in a row build equity to €226k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €180k ▲41.1%
2 profitable years in a row build equity to €180k.
Show earlier events
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Ramillies · 1 establishment unit since 2002
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.
Rue Petite Coyarde 61367 RamilliesGround area
1,660 m²
Building footprint
110 m²
Volume, LiDAR
705 m³
Parcel 25067A0299/00C000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Petite Coyarde 6, 1367 Ramillies
since 20022.050.420.642
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25067A0299/00C000 | Wallonia | 1,659 m² | 1 · 110 m² | 8.8 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.
Similar companies · same sector, comparable size
SOGECOM
BE 0460.684.573
Edegem · Eq €409,412
SINOTECH
BE 0888.126.951
Mechelen · Eq €408,987
ACOUSTICAL ENGINEERING
BE 0453.900.117
Sint-Katelijne-Waver · Eq €409,866
IPee
BE 0500.798.033
Antwerpen · Eq €408,531
SPIDER TELECOMS
BE 0871.156.307
Elsene · Eq €410,295
Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 4,635 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
Founded09-05-1990
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
32990Other manufacturing not elsewhere classified
62100Computer programming
62200Computer consultancy and computer facilities management
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.