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A&M BM Genk

Active
Private limited companyfounded 1983active for 43 yearsMeerkensstraat 45, 3650 Dilsen-Stokkem, BelgiumKBO/BCE: BE 0424.710.936
Summary

The computed 12-month bankruptcy probability of A&M BM Genk is 5.5% (elevated). The 2025 annual accounts show equity of €304,144 and a net result of €179,664. Equity is growing by about 5.5% per year across the filed financial years. Its solvency ranks better than 16% of 4,978 sector peers (NACE 47, financial year 2025). The company has been active since 1983 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811General maintenance and repair of cars and light vans (up to 3.5 tonnes) NACE 95311
4th largest employer in Dilsen-Stokkem, Wholesale and retail trade sector2 sites
Size
€34.7mturnover 2025
Staff
34.1 FTE
Equity
€304,144
Profit
€179,664
Financial health
35 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
5.5%
Structure
Parent
HOLDING A&M BM · 100%
Accounts 3 days early3 of 18 deeds read
Why 35raises risk2 changes of registered office in 24 monthsEquity €304,144 (4.8% of total assets)Liquidity: current ratio 0.92, cash €11,800, halvedSector: Retail trade (NACE 47)Show the evidence

Checked score

Score 2025
35 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 20% of its sector peers (NACE 47, small)
Financial strength · tick = 2024
Weak
Solvency 30=
equity 4.8% of total assets
Liquidity 4+3
short-term debt 83.6% · cash 0.2%
Profitability 57+16
return on assets 2.9%
Bankruptcy probability, 12 months
5.5% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,691 companies, NACE 47, small)
Last 24 months 11-2024: 1.6% 12-2024: 1.6%● unchanged vs 11-2024 01-2025: 1.6%● unchanged vs 12-2024 02-2025: 1.5%▼ -0.1 percentage points vs 01-2025lowest value 03-2025: 2.8%▲ +1.3 percentage points vs 02-2025 04-2025: 3.3%▲ +0.5 percentage points vs 03-2025 05-2025: 3.7%▲ +0.4 percentage points vs 04-2025 06-2025: 3.8%▲ +0.1 percentage points vs 05-2025 07-2025: 3.8%● unchanged vs 06-2025 08-2025: 4.3%▲ +0.5 percentage points vs 07-2025 09-2025: 2.7%▼ -1.6 percentage points vs 08-2025 10-2025: 2.7%● unchanged vs 09-2025 11-2025: 2.7%● unchanged vs 10-2025 12-2025: 2.7%● unchanged vs 11-2025 01-2026: 2.7%● unchanged vs 12-2025 02-2026: 2.6%▼ -0.1 percentage points vs 01-2026 03-2026: 2.6%● unchanged vs 02-2026 04-2026: 2.7%▲ +0.1 percentage points vs 03-2026 05-2026: 3.0%▲ +0.3 percentage points vs 04-2026 06-2026: 5.5%▲ +2.5 percentage points vs 05-2026 07-2026: 5.5%● unchanged vs 06-2026highest value 08-2026: 5.5%● unchanged vs 07-2026 09-2026: 5.5%● unchanged vs 08-2026 10-2026: 5.5%● unchanged vs 09-2026
Credit of up to €10,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity insufficient (current ratio 0.92, compared with 0.99 in 2024, below 1; short-term debt: 83.6% and cash: 0.2% of total assets), and 95.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small): better than 16% on solvency, 4% on liquidity, 38% on profitability and 21% on growth.

The bankruptcy probability was computed on 19-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
raises riskneutral
raises risk · 2 changes of registered office in 24 months
Belgian Official Gazette
raises risk · Equity €304,144 (4.8% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.92, cash €11,800, halved
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 4978 sector peers (2025).
NBB · sector comparison
Position among 4978 sector peers
Solvency
better than 16%
← 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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
3 days early
2024
on the day
2023
1 day early
2022
5 days early
2021
31 days late
2020
3 days early
2018
50 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
20-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Registered officeRegistered-office move
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Caution: Among the weakest 16% on solvencysector median 36.1% · 4,978 companies 4.8% View
  • Controlled by HOLDING A&M BMultimately: AUTOMOTIVE & MOBILITY INVEST 100% View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year
2025
Turnover
€34.7m
Profit
€179,664
Solvency
4.8%
Turnover▼ 21.1%
Net result
20182025
Go to Financials

Timeline

Events
47
Since
1984
Next accounts
by 31-07-2027
  1. 06-02-2025Permanent representative: Liesbet Desmedt
  2. 30-07-2024Annual accounts filed
  3. 13-03-2024Appointment: BV VAN HAVERMAET BEDRIJFSREVISOREN (statutory auditor)
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
10-10-1983
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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