Skip to content

A&M Diest

Active
Public limited companyfounded 1983active for 43 yearsLeuvensesteenweg 186, 3290 Diest, BelgiumKBO/BCE: BE 0423.982.545
Summary

A&M Diest has been active since 1983 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €636,300 and a net result of -€40,397. Equity remains stable across the filed financial years (±0.6% per year). Its solvency ranks better than 52% of 4,958 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
1 site
Size
€3.0mturnover 2025
Staff
2.5 FTE
Equity
€636,300
Loss
-€40,397
Financial health
81 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Structure
Parent
Holding A&M Group · 100%
Accounts 29 days early1 of 19 deeds read
Why 81raises riskSector: Retail trade (NACE 47)Liquidity: current ratio 1.57, cash €2,000, halvedlowers riskFounded in 1983Size: turnover €3.0m, 2.5 FTE, total assets €1.7mShow the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 24% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Weak
Solvency 63+7
equity 38.2% of total assets
Liquidity 18+4
short-term debt 61.8% · cash 0.1%
Profitability 24-1
return on assets -2.4%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,188 companies, NACE 47, micro)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025lowest value 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025 08-2025: 0.8%▲ +0.4 percentage points vs 07-2025highest value 09-2025: 0.6%▼ -0.2 percentage points vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.7%▲ +0.1 percentage points vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 0.3%▼ -0.4 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.57, compared with 1.46 in 2024; short-term debt: 61.8% and cash: 0.1% of total assets), but 61.8% of the assets are financed with debt.
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, micro): better than 53% on solvency, 16% on liquidity, 23% on profitability and 6% on growth.

The bankruptcy probability was computed on 09-10-2026 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).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 1983
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Liquidity: current ratio 1.57, cash €2,000, halved
NBB · annual accounts
lowers risk · Size: turnover €3.0m, 2.5 FTE, total assets €1.7m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
29 days early
2024
on the day
2023
20 days early
2022
24 days early
2021
10 days late
2020
3 days early
2019
31 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 5 days before 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 12 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
10-10-2026 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. Amendment of the articles · RestructuringPermanent representatives: Peter Guelinckx and…
  3. Weakest financial yearnet -€40,397

Key points

  • Caution: Turnover fell in 2025from €13.1m to €3.0m ▼ 76.9% View
  • Caution: Among the weakest 17% on net resultsector median €40,589 · 4,958 companies -€40,397 View
  • Controlled by Holding A&M Groupultimately: AUTOMOTIVE & MOBILITY INVEST 100% View
  • Caution: 2 loss-making years in a rowloss financial year 2025 -€40,397 View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year
2025
Turnover
€3.0m
Loss
-€40,397
Solvency
38.2%
Turnover▼ 76.9%
Net result
20192025
Go to Financials

Timeline

Events
46
Since
1984
Next accounts
by 31-07-2027
  1. 31-07-2025Annual accounts filed
  2. 11-07-2024Annual accounts filed
  3. 31-12-2023Highest result from 2019 to 2025
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
25-04-1983
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
5
Annual meeting
Last Monday of June at 09:45
Purpose
Groothandel in nieuwe en gebruikte auto's voor personenvervoer, inclusief die voor…
Go to Articles of association

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.