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AMY

Active
KBO/BCE: BE 0802.973.027
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs
Real estate1 parcel · 8,479 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of AMY is 1.3% (low). The 2024 annual accounts show negative equity (€-3.84M) and a net result of €-3.89M. Its solvency ranks better than 5% of 1697 sector peers (fiscal year 2024). 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 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.3% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-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 evidence
Negative equity
Equity is negative for financial year 2024: 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-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 25-08-2025 25 d late 2025-00401270

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 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
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€-3.89M
Working capital€-6.59M

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency -47.3% 14.3%
better than 5% of 1697 sector peers
Net result €-3.89M €0
better than 5% of 1693 sector peers
Equity €-3.84M €108k
better than 5% of 1697 sector peers
Gross operating margin €-20k €52k
better than 10% of 1694 sector peers
Total assets €8.12M €1.50M
better than 86% of 1697 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositverkort
Revenue-
EBITDA€-33k
Net profit€-3.89M
Cash flow€-389k
Staff costs-
Income taxes-
Dividends-
Total assets€8.12M
Equity€-3.84M
Debt€11.95M
of which ≤ 1y€8.62M
of which > 1y€1.62M
Working capital€-6.59M
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.24
Quick ratio0.24
Working capital ratio-81.1%
Solvency-47.3%
Debt / equity-3.12
Long-term debt ratio-0.42
Interest coverage-0.09
Gross margin-
Net margin-
ROA-47.9%
ROE101.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€8.12M
Fixed assets 21/28€6.08M
Tangible fixed assets 22/27€6.08M
Current assets 29/58€2.04M
Amounts receivable within one year 40/41€103k
Cash & bank 54/58€1.93M
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€8.12M
Equity 10/15€-3.84M
Contributions / capital 10/11€50k
Accumulated profits (losses) 14€-3.89M
Amounts payable 17/49€11.95M
Amounts payable after one year 17€1.62M
Amounts payable within one year 42/48€8.62M
Trade debts payable within one year 44€992k
Income statement
Gross operating margin 9900€-20k
Operating result 9901€-3.53M
Financial income 75€866
Financial charges 65€357k
Result before taxes 9903€-3.89M
Net result for the period 9904€-3.89M
Result to be appropriated 9905€-3.89M
Ratios computed by Checked.

Health barometer

FY 2024 · computed
10 / 100 Critical
050100
Computed from 4 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.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
9 companies at this address See who is registered here

Establishment units

1 location
AMY
Eektstraat 2c, 3111 RotselaarManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20232.347.276.472
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area8,479 m²
Buildings1
Building footprint3,628 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24123A0301/00A003 Flanders 8,479 m² 1 · 3,628 m² -
Methodology
via registered seat: 1
1 of 1 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

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health10Profitability100Solvency33Growth-Stability79
56 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 79

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AI due-diligence brief

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 1,139 of the 9,069 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameNL AMY
Registered office
Eektstraat 2c
3111 Rotselaar, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.