A.M.L. SERVICES
ActiveA.M.L. SERVICES has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €10k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 4564 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 8.75 against 7.14 in 2024; short-term debt: 10.9% and cash: 15.6% of total assets), and 10.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
89.1%
Return on assets
7.5%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
51 d early
2023
54 d early
2022
26 d early
2021
26 d early
2020
31 d late
2019
28 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 9.2%
2024 · €105k
2018: €52k
2019: €52k
2020: €57k
2021: €76k
2022: €82k
2023: €91k
2024: €105k
2018 → 2025
Total assets
€129k▲ 6.2%
2024 · €122k
2018: €75k
2019: €75k
2020: €78k
2021: €106k
2022: €114k
2023: €118k
2024: €122k
2018 → 2025
Net result
€10k▼ 33.2%
2024 · €15k
2018: €7k
2019: €117
2020: €5k
2021: €19k
2022: €6k
2023: €9k
2024: €15k
2018 → 2025
Working capital
€109k▲ 9.2%
2024 · €100k
2018: €49k
2019: €49k
2020: €53k
2021: €69k
2022: €71k
2023: €85k
2024: €100k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€82k▲ 8.0%€91k▲ 11.3%€105k▲ 16.0%€115k▲ 9.2%
Operating result€10k-€9k▼ 10.5%€12k▲ 30.5%€20k▲ 68.7%€13k▼ 33.4%
Net result€19k-€6k▼ 67.2%€9k▲ 51.4%€15k▲ 57.5%€10k▼ 33.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129k
Fixed assets
€6k▲ 9.3%
Current assets
€123k▲ 6.0%
Equity and liabilities €129k
Equity
€115k▲ 9.2%
Debt
€14k▼ 13.5%
The debt ratio falls from 13.3% to 10.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▼
2024 · €21k
Cash flow
€11k▼
2024 · €16k
Solvency
89.1%▲
2024 · 86.7%
Current ratio
8.75▲
2024 · 7.14
Quick ratio
8.75▲
2024 · 7.14
Debt / equity
0.12▼
2024 · 0.15
ROE
8.4%▼
2024 · 13.8%
ROA
7.5%▼
2024 · 11.9%
Interest coverage
129.71▼
2024 · 148.48
Debt
€14k▼
2024 · €16k
Debt ≤ 1 year
€14k▼
2024 · €16k
Income taxes
€4k▼
2024 · €6k
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€122k€129k▲
Fixed assets21/28€6k€6k▲
Tangible fixed assets22/27€3k€3k▲
Plant, machinery and equipment23€700€846▲
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€3k€3k=
Current assets29/58€116k€123k▲
Amounts receivable within one year40/41€113k€103k▼
Trade receivables40€38k€32k▼
Other amounts receivable41€75k€71k▼
Cash at bank and in hand54/58€3k€20k▲
Equity and liabilities
Total equity and liabilities10/49€122k€129k▲
Equity10/15€105k€115k▲
Contributions10/11€7k€7k=
Reserves13€99k€108k▲
Distributable reserves133€99k€108k▲
Amounts payable17/49€16k€14k▼
Amounts payable within one year42/48€16k€14k▼
Trade debts44€470€748▲
Suppliers440/4€470€748▲
Taxes, remuneration and social security45€16k€13k▼
Taxes450/3€13k€10k▼
Remuneration and social security454/9€3k€3k=
Income statement
Code20242025
Non-recurring operating income76A-€50
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€432€492▲
Gross operating margin9900€22k€15k▼
Operating profit (loss)9901€20k€13k▼
Financial charges65/66B€145€115▼
Recurring financial charges65€145€115▼
Profit (loss) for the period before taxes9903€20k€13k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€15k€10k▼
Profit (loss) for the period to be appropriated9905€15k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€10k▼
Transfer to equity691/2€15k€10k▼
To other reserves6921€15k€10k▼
The notes to these accounts (8 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €105k ▲16%
7 profitable years in a row build equity to €105k.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €19k ▲305%
Net result €19k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €117 ▼98.3%
Net result drops to €117, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Saint-Ghislain · 1 establishment unit since 2011
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.
Rue de Boussu(H) 3007334 Saint-GhislainGround area
1,059 m²
Building footprint
113 m²
Volume, LiDAR
781 m³
Parcel 53036B0450/00N000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A.M.L. Services
since 20112.201.923.259
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53036B0450/00N000 | Wallonia | 1,059 m² | 1 · 113 m² | 8.0 m · 2 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 12,607 companies in sector 49410 we hold annual accounts for 8,196. 6,370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2011
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.