8AM Group
ActiveThe computed 12-month bankruptcy probability of 8AM Group is 3.4% (moderate). The annual accounts of 8AM Group for fiscal year 2025 show a net loss of 70% of the equity at the start of that year. The 2025 annual accounts show equity of €7k and a net result of €-15k. Equity is shrinking by ~67% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 17% of 7002 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency33▼-16
Growth32=
Track record94
Bankruptcy probability, 12 months
3.4%
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 tight (current ratio 1.04 against 1.29 in 2024; short-term debt: 92% and cash: 52.1% of total assets), and 92% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
8%
Return on assets
-18.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-15k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7002 sector peers (2025).
NBB · sector comparisonPosition among 7002 sector peers
Solvency
better than 17%
← 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 12-06-2026, 49 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
49 d early
2024
45 d early
2023
47 d early
2022
32 d early
2021
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 69.9%
2024 · €22k
2021: €26k
2022: €80k
2023: €45k
2024: €22k
2021 → 2025
Total assets
€82k▼ 8.3%
2024 · €89k
2021: €134k
2022: €202k
2023: €124k
2024: €89k
2021 → 2025
Net result
€-15k▲ 22.6%
2024 · €-20k
2021: €16k
2022: €54k
2023: €-35k
2024: €-20k
2021 → 2025
Working capital
€3k▼ 85.4%
2024 · €20k
2021: €9k
2022: €66k
2023: €58k
2024: €20k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€80k▲ 210%€45k▼ 43.2%€22k▼ 52.4%€7k▼ 69.9%
Operating result€20k-€69k▲ 243%€-34k€-19k▲ 43.6%€-15k▲ 25.0%
Net result€16k-€54k▲ 242%€-35k€-20k▲ 43.4%€-15k▲ 22.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €19k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€4k▲ 82.7%
Current assets
€78k▼ 10.4%
Equity and liabilities €82k
Equity
€7k▼ 69.9%
Debt
€75k▲ 11.4%
The debt ratio rises from 75.8% to 92.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-13k▲
2024 · €-19k
Cash flow
€-14k▲
2024 · €-19k
Solvency
8.0%▼
2024 · 24.2%
Current ratio
1.04▼
2024 · 1.29
Quick ratio
0.95▼
2024 · 1.16
Debt / equity
11.57▲
2024 · 3.13
ROE
-232.4%▼
2024 · -90.4%
ROA
-18.5%▲
2024 · -21.9%
Interest coverage
-18.56▲
2024 · -73.89
Debt
€75k▲
2024 · €68k
Debt ≤ 1 year
€75k▲
2024 · €68k
Staff costs
€44k▲
2024 · €37k
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€89k€82k▼
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27€2k€4k▲
Furniture and vehicles24€2k€4k▲
Financial fixed assets28€102€40▼
Current assets29/58€87k€78k▼
Stocks and contracts in progress3€9k€6k▼
Stocks30/36€9k€6k▼
Amounts receivable within one year40/41€37k€29k▼
Trade receivables40€35k€25k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€41k€43k▲
Deferred charges and accrued income490/1-€196
Equity and liabilities
Total equity and liabilities10/49€89k€82k▼
Equity10/15€22k€7k▼
Contributions10/11€10k€10k=
Reserves13€12k-
Distributable reserves133€12k-
Profit (loss) carried forward14-€-3k
Amounts payable17/49€68k€75k▲
Amounts payable within one year42/48€68k€75k▲
Trade debts44€41k€42k▲
Suppliers440/4€41k€42k▲
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€645€1k▲
Remuneration and social security454/9€10k€9k▼
Other amounts payable47/48€16k€24k▲
Income statement
Code20242025
Remuneration, social security and pensions62€37k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€715€2k▲
Other operating charges640/8€3k€170▼
Gross operating margin9900€21k€31k▲
Operating profit (loss)9901€-19k€-15k▲
Financial income75/76B€25€71▲
Recurring financial income75€25€71▲
Financial charges65/66B€252€701▲
Recurring financial charges65€252€701▲
Profit (loss) for the period before taxes9903€-20k€-15k▲
Profit (loss) for the period9904€-20k€-15k▲
Profit (loss) for the period to be appropriated9905€-20k€-15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-15k▲
Transfer from equity791/2€24k€12k▼
Profit to be distributed694/7€4k-
Return on contributions (dividend)694€4k-
The notes to these accounts (9 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-35k ▼164%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €54k ▲242%
Operating result €69k, net result €54k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lasne · 4 establishment units since 2021
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.
Clos des Lilas 51380 LasneGround area
9,451 m²
Building footprint
2,751 m²
Volume, LiDAR
36,050 m³
4 parcels, Brussels, Flanders, Wallonia · tallest building 19.9 m, ±5 floors. Linked by address, not a title deed.
4 establishment units
8AM Group
since 20212.314.220.060
8AM Group
since 20212.314.220.159
8AM Group
since 20212.314.220.258
8AM Group
since 20232.349.884.188
4 parcels
Flanders
1
(25%)
Wallonia
1
(25%)
Brussels
2
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21363B0348/00Z000 | Brussels | 4,115 m² | 1 · 2,273 m² | 19.9 m · 5 fl. |
| 25076A0448/00W000 | Wallonia | 3,977 m² | 1 · 302 m² | - |
| 23544D0130/00N000 | Flanders | 1,219 m² | 1 · 111 m² | 9.1 m · 2 fl. |
| 21306D0131/00P003 | Brussels | 140 m² | 1 · 66 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 3,010 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2021
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
46180Agents specialised in the wholesale of other particular products
73110Advertising agencies
79110Travel agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.