AMFITEC
ActiveAMFITEC has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €85k and a net result of €-40k. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 17% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability25▲+12
Solvency39▼-9
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.06 in 2023; short-term debt: 36.4% and cash: 0.8% of total assets), and 85.6% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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 · 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
14.4%
Return on assets
-6.7%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-40k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 37959 sector peers (2024).
NBB · sector comparisonPosition among 37959 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-10-2025, 83 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
not confirmed
2024
83 d late
2023
86 d late
2022
31 d late
2021
32 d late
2020
31 d late
2019
136 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€85k▼ 31.8%
2023 · €125k
2018: €171k
2019: €196k
2020: €208k
2021: €192k
2022: €157k
2023: €125k
2018 → 2024
Total assets
€590k▲ 7.3%
2023 · €549k
2018: €629k
2019: €634k
2020: €658k
2021: €606k
2022: €573k
2023: €549k
2018 → 2024
Net result
€-40k▼ 2.3%
2023 · €-39k
2018: €23k
2019: €19k
2020: €13k
2021: €-16k
2022: €-35k
2023: €-39k
2018 → 2024
Working capital
€-208k▼ 95.4%
2023 · €-106k
2018: €37k
2019: €71k
2020: €24k
2021: €-11k
2022: €-60k
2023: €-106k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€208k-€192k▼ 7.9%€157k▼ 18.1%€125k▼ 20.8%€85k▼ 31.8%
Operating result€25k-€-10k€-28k▼ 172%€-33k▼ 18.7%€-34k▼ 2.7%
Net result€13k-€-16k€-35k▼ 111%€-39k▼ 11.6%€-40k▼ 2.3%
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 stays negative: a loss of €34k in 2024 against €33k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €590k
Fixed assets
€583k▲ 7.4%
Current assets
€7k▼ 1.0%
Equity and liabilities €590k
Equity
€85k▼ 31.8%
Provisions
€28k▼ 4.2%
Debt
€477k▲ 20.5%
The debt ratio rises from 72.0% to 80.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€10k▲
2023 · €2k
Cash flow
€5k▲
2023 · €-3k
Solvency
14.4%▼
2023 · 22.7%
Current ratio
0.03▼
2023 · 0.06
Quick ratio
0.03▼
2023 · 0.06
Debt / equity
5.61▲
2023 · 3.18
ROE
-46.5%▼
2023 · -31.1%
ROA
-6.7%▲
2023 · -7.0%
Interest coverage
1.80▲
2023 · 0.33
Debt
€477k▲
2023 · €396k
Debt ≤ 1 year
€215k▲
2023 · €113k
Debt > 1 year
€261k▼
2023 · €282k
Income taxes
€839▲
2023 · €666
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€549k€590k▲
Fixed assets21/28€542k€583k▲
Tangible fixed assets22/27€542k€583k▲
Land and buildings22€501k€473k▼
Plant, machinery and equipment23€10k€10k=
Furniture and vehicles24€10k€66k▲
Other tangible fixed assets26€22k€34k▲
Financial fixed assets28€0-
Current assets29/58€7k€7k▼
Amounts receivable within one year40/41€329€329=
Trade receivables40€290€290=
Other amounts receivable41€38€38=
Current investments50/53€0-
Cash at bank and in hand54/58€5k€5k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€549k€590k▲
Equity10/15€125k€85k▼
Contributions10/11€18k€18k=
Reserves13€169k€165k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€0-
Other1319€2k€0▼
Tax-exempt reserves132€87k€84k▼
Distributable reserves133€80k€82k▲
Profit (loss) carried forward14€-63k€-99k▼
Provisions and deferred taxes16€29k€28k▼
Deferred taxes168€29k€28k▼
Amounts payable17/49€396k€477k▲
Amounts payable after more than one year17€282k€261k▼
Financial debts170/4€282k€261k▼
Amounts payable within one year42/48€113k€215k▲
Current portion of amounts payable after more than one year42€21k€21k▲
Financial debts43€79€135▲
Credit institutions430/8€79€135▲
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€4k€4k▲
Taxes450/3€4k€4k▲
Other amounts payable47/48€84k€188k▲
Accrued charges and deferred income492/3€0€898▲
Income statement
Code20232024
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€44k▲
Other operating charges640/8€13k€6k▼
Non-recurring operating charges66A€997€0▼
Gross operating margin9900€16k€16k▲
Operating profit (loss)9901€-33k€-34k▼
Financial income75/76B€16€19▲
Recurring financial income75€16€19▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€-39k€-40k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€666€839▲
Profit (loss) for the period9904€-39k€-40k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€-35k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-99k▼
Profit (loss) brought forward from the previous period14P€-28k€-63k▼
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
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 83 days late
2024
31-12
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series.
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 86 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 32 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €208k ▲6.4%
3 profitable years in a row build equity to €208k.
14-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 136 days late
2019
15-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 76 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
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Knokke-Heist · 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.
Hortensialaan 128300 Knokke-HeistGround area
947 m²
Building footprint
153 m²
Volume, LiDAR
918 m³
Parcel 31333I0792/00K000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hortensialaan 12, 8300 Knokke-Heist
since 20032.115.657.201
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333I0792/00K000 | Flanders | 947 m² | 1 · 153 m² | 9.9 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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,290 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
70100Activities of head offices
74152
74855
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.