10:AM
ActiveThe computed 12-month bankruptcy probability of 10:AM is 1.8% (moderate). The annual accounts of 10:AM for fiscal year 2025 show a net loss of 84% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-13k. Equity is growing by ~77.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 7027 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
26
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-95
Solvency29▼-17
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.35 against 0.85 in 2024; short-term debt: 95.8% of total assets), and 95.8% of the assets are financed with debt.
Credit advice 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
4.2%
Return on assets
-21.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7027 sector peers (2025).
NBB · sector comparisonPosition among 7027 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
4 d early
2024
2 d early
2023
5 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 83.8%
2024 · €15k
2023: €-1k
2024: €15k
2023 → 2025
Total assets
€59k▼ 17.6%
2024 · €72k
2023: €40k
2024: €72k
2023 → 2025
Net result
€-13k
2024 · €17k
2023: €-4k
2024: €17k
2023 → 2025
Working capital
€-37k▼ 326%
2024 · €-9k
2023: €-18k
2024: €-9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-1k-€15k€2k▼ 83.8%
Operating result€-4k-€22k€-13k
Net result€-4k-€17k€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€39k▲ 63.9%
Current assets
€20k▼ 58.2%
Equity and liabilities €59k
Equity
€2k▼ 83.8%
Debt
€57k▲ 0.2%
The debt ratio rises from 78.8% to 95.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
4.2%▼
2024 · 21.2%
Current ratio
0.35▼
2024 · 0.85
Quick ratio
0.35▼
2024 · 0.85
Debt / equity
22.96▲
2024 · 3.71
ROE
-517.4%▼
2024 · 108.9%
ROA
-21.6%▼
2024 · 23.1%
Debt
€57k▲
2024 · €57k
Debt ≤ 1 year
€57k▲
2024 · €57k
Income taxes
€39▼
2024 · €4k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€72k€59k▼
Fixed assets21/28€24k€39k▲
Financial fixed assets28€24k€39k▲
Current assets29/58€48k€20k▼
Amounts receivable within one year40/41€45k€20k▼
Trade receivables40€44k€20k▼
Other amounts receivable41€211€5▼
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€72k€59k▼
Equity10/15€15k€2k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€13k€-24▼
Amounts payable17/49€57k€57k▲
Amounts payable within one year42/48€57k€57k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€21k€22k▲
Taxes450/3€21k€22k▲
Other amounts payable47/48€23k€20k▼
Income statement
Code20242025
Other operating charges640/8€2k€1k▼
Gross operating margin9900€24k€-12k▼
Operating profit (loss)9901€22k€-13k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€2k€804▼
Recurring financial charges65€2k€804▼
Profit (loss) for the period before taxes9903€21k€-13k▼
Income taxes67/77€4k€39▼
Profit (loss) for the period9904€17k€-13k▼
Profit (loss) for the period to be appropriated9905€17k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-24▼
Profit (loss) brought forward from the previous period14P€-4k€13k▲
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-03
State Gazette act
Registered officeRegistered-office move · Manager decision2 facts ▸
State Gazette act
Registered office
Registered-office move · Manager decision2 facts ▸
- Registered-office move, 2000 Antwerpen Catharina Pepijnstraat 7
- Manager decision, 19 februari 2026
2025
31-12
Financial
Weakest financial yearnet €-13k ▼177%
Net result drops to €-13k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2022
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.
Catharina Pepijnstraat 72000 AntwerpenGround area
174 m²
Building footprint
174 m²
Volume, LiDAR
2,169 m³
Parcel 11807G0154/00R004, Flanders · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
10:AM
since 20222.338.906.758
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0154/00R004 | Flanders | 174 m² | 1 · 174 m² | 17.1 m · 5 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 2,715 companies in sector 73200 we hold annual accounts for 1,785. 254 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2022
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.