A&M PROJECTS

Active

Private limited companyfounded 20233 yrs activeBedrijvenstraat 5860, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0804.168.701

The computed 12-month bankruptcy probability of A&M PROJECTS is 1.9% (moderate). The 2025 annual accounts show equity of €561k and a net result of €347k. Its solvency ranks better than 71% of 7330 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent▲ +7 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency99▼-1

Growth78

Stability94

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €55k at 30 days acceptable

Liquidity ample (current ratio 3.14 against 4.1 in 2024), and 36.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

63.2%

Return on assets

39%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

2 d early

2024

on the day

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€561k▲ 162%

2024 · €214k

2024: €214k

2024 → 2025

Total assets

€888k▲ 205%

2024 · €291k

2024: €291k

2024 → 2025

Net result

€347k▲ 64.8%

2024 · €210k

2024: €210k

2024 → 2025

Working capital

€482k▲ 192%

2024 · €165k

2024: €165k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€214k-€561k▲ 162%

Operating result€275k-€448k▲ 62.5%

Net result€210k-€347k▲ 64.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 63% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €888k

20.4%

79.6%

Fixed assets €181k▲ 150%

Current assets €707k▲ 224%

Equity and liabilities €888k

63.2%

36.8%

Equity €561k▲ 162%

Debt €327k▲ 328%

The debt ratio rises from 26.3% to 36.8%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€489k▲

2024 · €297k

Cash flow

€388k▲

2024 · €232k

Solvency

63.2%▼

2024 · 73.7%

Current ratio

3.14▼

2024 · 4.10

Quick ratio

3.14▼

2024 · 4.10

Debt / equity

0.58▲

2024 · 0.36

ROE

61.8%▼

2024 · 98.1%

ROA

39.0%▼

2024 · 72.3%

Interest coverage

137.94▲

2024 · 109.34

Debt

€327k▲

2024 · €76k

Debt ≤ 1 year

€225k▲

2024 · €53k

Debt > 1 year

€62k▲

2024 · €23k

Income taxes

€111k▲

2024 · €64k

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€291k€888k▲

Fixed assets21/28€72k€181k▲

Tangible fixed assets22/27€72k€181k▲

Plant, machinery and equipment23€18k€27k▲

Furniture and vehicles24€55k€154k▲

Current assets29/58€218k€707k▲

Stocks and contracts in progress3-€1k

Stocks30/36-€1k

Amounts receivable within one year40/41€94k€170k▲

Trade receivables40€56k€102k▲

Other amounts receivable41€38k€68k▲

Cash at bank and in hand54/58€119k€523k▲

Deferred charges and accrued income490/1€5k€13k▲

Equity and liabilities

Total equity and liabilities10/49€291k€888k▲

Equity10/15€214k€561k▲

Contributions10/11€4k€4k=

Profit (loss) carried forward14€210k€557k▲

Amounts payable17/49€76k€327k▲

Amounts payable after more than one year17€23k€62k▲

Financial debts170/4€23k€62k▲

Amounts payable within one year42/48€53k€225k▲

Current portion of amounts payable after more than one year42€17k€37k▲

Trade debts44€0€38k▲

Suppliers440/4€0€38k▲

Taxes, remuneration and social security45€34k€149k▲

Taxes450/3€34k€144k▲

Remuneration and social security454/9€0€4k▲

Other amounts payable47/48€2k€1k▼

Accrued charges and deferred income492/3-€40k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€41k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€23k

Other operating charges640/8€4k€9k▲

Non-recurring operating charges66A-€500

Gross operating margin9900€301k€521k▲

Operating profit (loss)9901€275k€448k▲

Financial income75/76B€1k€13k▲

Recurring financial income75€1k€13k▲

Financial charges65/66B€3k€4k▲

Recurring financial charges65€3k€4k▲

Profit (loss) for the period before taxes9903€274k€457k▲

Income taxes67/77€64k€111k▲

Profit (loss) for the period9904€210k€347k▲

Profit (loss) for the period to be appropriated9905€210k€347k▲

Appropriation of the result

Profit (loss) to be appropriated9906€210k€557k▲

Profit (loss) brought forward from the previous period14P-€210k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €500kEq €561k ▲162%

2 profitable years in a row build equity to €561k.

31-07

NBB filing Annual accounts filed

fiscal year 2024 · micro 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, Sint-Truiden · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Bedrijvenstraat 58603800 Sint-Truiden

Ground area

2.8 ha

Building footprint

1.4 ha

Volume, LiDAR

127,100 m³

2 parcels, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

A&M PROJECTS

Augustijnenstraat 4, 3800 Sint-TruidenSpecialised construction activities

since 20232.348.958.334

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71009A0049/00M000	Flanders	2.8 ha	1 · 1.4 ha	11.9 m · 3 fl.
71053G0205/00W042	Flanders	130 m²	1 · 85 m²	10.0 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2023 · 1 entry · 179 EUR awarded · 179 EUR paid

Year	Entries	awarded	paid
2023	1	179 EUR	179 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 179 EUR · 179 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

R & R BUILDING

BE 0890.492.167

Dilsen-Stokkem · Eq €561k

Dilsen-Stokkem · Eq €561k

MOPRO

BE 0840.615.658

Herk-de-Stad · Eq €561k

Lootens Robbe

BE 0672.831.986

Hooglede · Eq €560k

Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 8,693 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-07-2023

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43410Roofing work

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.