A.M.
ActiveA.M. has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €5k. Equity is growing by ~25.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency12▲+3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.27 in 2024), and 82.1% 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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.9%
Return on assets
4.1%
Age of the figures
8 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
29 d late
2023
1 d early
2022
30 d late
2021
31 d late
2020
30 d late
2019
70 d late
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 29.9%
2024 · €16k
2023: €13k
2024: €16k
2023 → 2025
Total assets
€117k▼ 3.6%
2024 · €121k
2023: €129k
2024: €121k
2023 → 2025
Net result
€5k▲ 41.3%
2024 · €3k
2023: €7k
2024: €3k
2023 → 2025
Working capital
€-58k▲ 11.2%
2024 · €-65k
2023: €-68k
2024: €-65k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€16k▲ 26.9%€21k▲ 29.9%
Operating result€9k-€5k▼ 36.9%€7k▲ 32.6%
Net result€7k-€3k▼ 54.6%€5k▲ 41.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€89k▼ 8.0%
Current assets
€27k▲ 14.2%
Equity and liabilities €117k
Equity
€21k▲ 29.9%
Debt
€96k▼ 8.8%
The debt ratio falls from 86.8% to 82.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€15k▲
2024 · €13k
Cash flow
€13k▲
2024 · €11k
Solvency
17.9%▲
2024 · 13.2%
Current ratio
0.32▲
2024 · 0.27
Quick ratio
0.32▲
2024 · 0.27
Debt / equity
4.60▼
2024 · 6.55
ROE
23.0%▲
2024 · 21.2%
ROA
4.1%▲
2024 · 2.8%
Interest coverage
25.59▲
2024 · 18.73
Debt
€96k▼
2024 · €105k
Debt ≤ 1 year
€85k▼
2024 · €89k
Debt > 1 year
€11k▼
2024 · €16k
Income taxes
€2k▲
2024 · €1k
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
Total assets
20/58€121k€117k▼
Fixed assets
21/28€97k€89k▼
Tangible fixed assets
22/27€97k€89k▼
Current assets
29/58€24k€27k▲
Amounts receivable within one year
40/41€19k€14k▼
Cash & bank
54/58€5k€13k▲
Total equity & liabilities
10/49€121k€117k▼
Equity
10/15€16k€21k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€121€121=
Accumulated profits (losses)
14€-3k€2k▲
Amounts payable
17/49€105k€96k▼
Amounts payable after one year
17€16k€11k▼
Amounts payable within one year
42/48€89k€85k▼
Trade debts payable within one year
44€3k€110▼
Income statement
Code20242025
Gross operating margin
9900€20k€21k▲
Operating result
9901€5k€7k▲
Financial charges
65€706€583▼
Result before taxes
9903€5k€7k▲
Income taxes
67/77€1k€2k▲
Net result for the period
9904€3k€5k▲
Result to be appropriated
9905€3k€5k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €3k ▼54.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2000
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 15-07-2026. Scores and ratios are computed by Checked and are not a credit decision.