AMAY IMMO
ActiveSummary
The computed 12-month bankruptcy probability of AMAY IMMO is 4.0% (moderate). The 2025 annual accounts show negative equity (€-196k) and a net result of €-13k. Equity is shrinking by ~34% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▲+3
Solvency0=
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
4.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.68 against 0.69 in 2024; short-term debt: 147.1% and cash: 0.1% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-47.2%
Return on assets
-3.2%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-196k
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 · 5 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
28 d late
2022
31 d late
2021
31 d late
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-13k▲ 29.0%
2024 · €-19k
2021: €-18k
2022: €-2k
2023: €-164k
2024: €-19k
2021 → 2025
Working capital
€-196k▼ 7.4%
2024 · €-182k
2021: €3k
2022: €219
2023: €-164k
2024: €-182k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€219▼ 91.0%€-164k€-183k▼ 11.6%€-196k▼ 7.4%
Operating result€-22k-€-6k▲ 71.3%€-159k▼ 2,374%€-16k▲ 89.9%€-10k▲ 40.2%
Net result€-18k-€-2k▲ 87.3%€-164k▼ 7,253%€-19k▲ 88.4%€-13k▲ 29.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €16k in 2024; the loss shrinks.
Key figures and ratios
Solvency
-47.2%▼
2024 · -45.8%
Current ratio
0.68▼
2024 · 0.69
Quick ratio
0.01▼
2024 · 0.02
Debt to equity
-3.12▲
2024 · -3.18
ROA
-3.2%▲
2024 · -4.8%
Debt
€611k▲
2024 · €582k
Debt ≤ 1 year
€611k▲
2024 · €581k
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 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€399k€415k▲
Current assets29/58€399k€415k▲
Stocks and contracts in progress3€386k€412k▲
Stocks30/36€386k€412k▲
Amounts receivable within one year40/41€3k€3k=
Trade receivables40€0€0=
Other amounts receivable41€3k€3k=
Cash at bank and in hand54/58€10k€259▼
Deferred charges and accrued income490/1€313€324▲
Equity and liabilities
Total equity and liabilities10/49€399k€415k▲
Equity10/15€-183k€-196k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-203k€-216k▼
Amounts payable17/49€582k€611k▲
Amounts payable within one year42/48€581k€611k▲
Financial debts43€560k€560k=
Credit institutions430/8€560k€560k=
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Other amounts payable47/48€15k€50k▲
Accrued charges and deferred income492/3€532€527▼
Income statement
Code20242025
Other operating charges640/8€6k€7k▲
Gross operating margin9900€-10k€-3k▲
Operating profit (loss)9901€-16k€-10k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€-19k€-13k▲
Profit (loss) for the period9904€-19k€-13k▲
Profit (loss) for the period to be appropriated9905€-19k€-13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-203k€-216k▼
Profit (loss) brought forward from the previous period14P€-184k€-203k▼
The notes to these accounts (1 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 · abbreviated schema · 27 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-164k
Net result drops to €-164k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
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, Liège · 1 establishment unit since 2020
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 Natalis 24020 LiègeGround area
5,447 m²
Building footprint
1,275 m²
Volume, LiDAR
27,669 m³
Parcel 62817B0482/00Z003, Wallonia · tallest building 29.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20202.310.710.343
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62817B0482/00Z003 | Wallonia | 5,447 m² | 1 · 1,275 m² | 29.4 m · 7 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2020
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.