A.M. PROTEGO
ActiveA.M. PROTEGO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €83k and a net result of €67k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 29% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
89
/ 100
Excellent▲ +11 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency63▲+6
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.1 in 2023), and 61.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
97 d late
2022
3 d early
2021
27 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€83k▲ 25.6%
2023 · €66k
2021: €57k
2022: €99k
2023: €66k
2021 → 2024
Total assets
€215k▲ 13.4%
2023 · €190k
2021: €152k
2022: €215k
2023: €190k
2021 → 2024
Net result
€67k▲ 275%
2023 · €18k
2021: €54k
2022: €42k
2023: €18k
2021 → 2024
Working capital
€21k▲ 109%
2023 · €10k
2021: €18k
2022: €51k
2023: €10k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€57k-€99k▲ 72.9%€66k▼ 32.6%€83k▲ 25.6%
Operating result€77k-€60k▼ 22.4%€29k▼ 50.7%€103k▲ 248%
Net result€54k-€42k▼ 23.0%€18k▼ 57.0%€67k▲ 275%
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 2024; 2024 is 248% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €215k
Fixed assets
€62k▼ 21.9%
Current assets
€154k▲ 38.7%
Equity and liabilities €215k
Equity
€83k▲ 25.6%
Debt
€132k▲ 6.9%
The debt ratio falls from 65.0% to 61.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€122k▲
2023 · €35k
Cash flow
€87k▲
2023 · €24k
Solvency
38.7%▲
2023 · 35.0%
Current ratio
1.16▲
2023 · 1.10
Quick ratio
1.16▲
2023 · 1.10
Debt / equity
1.58▼
2023 · 1.86
ROE
80.3%▲
2023 · 26.9%
ROA
31.1%▲
2023 · 9.4%
Interest coverage
50.52▲
2023 · 14.06
Debt
€132k▲
2023 · €124k
Debt ≤ 1 year
€132k▲
2023 · €100k
Income taxes
€33k▲
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€190k€215k▲
Fixed assets21/28€79k€62k▼
Tangible fixed assets22/27€79k€62k▼
Plant, machinery and equipment23€596€145▼
Furniture and vehicles24€3k€3k▲
Leasing and similar rights25€76k€59k▼
Current assets29/58€111k€154k▲
Amounts receivable after more than one year29€22k-
Trade receivables290€22k-
Amounts receivable within one year40/41€51k€36k▼
Trade receivables40€44k€27k▼
Other amounts receivable41€8k€9k▲
Cash at bank and in hand54/58€37k€116k▲
Deferred charges and accrued income490/1€517€1k▲
Equity and liabilities
Total equity and liabilities10/49€190k€215k▲
Equity10/15€66k€83k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€63k€80k▲
Amounts payable17/49€124k€132k▲
Amounts payable after more than one year17€23k-
Financial debts170/4€23k-
Amounts payable within one year42/48€100k€132k▲
Current portion of amounts payable after more than one year42€12k€32k▲
Financial debts43€925-
Credit institutions430/8€925-
Trade debts44€18k€11k▼
Suppliers440/4€18k€11k▼
Taxes, remuneration and social security45€20k€39k▲
Taxes450/3€20k€39k▲
Other amounts payable47/48€50k€50k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€20k▲
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€10-
Gross operating margin9900€39k€128k▲
Operating profit (loss)9901€29k€103k▲
Financial income75/76B€0€13▲
Recurring financial income75€0€13▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€27k€100k▲
Income taxes67/77€9k€33k▲
Profit (loss) for the period9904€18k€67k▲
Profit (loss) for the period to be appropriated9905€18k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€113k€130k▲
Profit (loss) brought forward from the previous period14P€96k€63k▼
Profit to be distributed694/7€50k€50k=
Return on contributions (dividend)694€50k€50k=
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Highest result since 2021net €67k ▲275%
Operating result €103k, net result €67k, both a record.
05-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 97 days late
2023
31-12
Financial
Weakest financial yearnet €18k ▼57%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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-Jans-Molenbeek · 1 establishment unit since 2020
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.
Birminghamstraat 721080 Sint-Jans-MolenbeekGround area
2,365 m²
Building footprint
212 m²
Volume, LiDAR
3,521 m³
Parcel 21523B0939/00A097, Brussels · tallest building 19.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
A.M. PROTEGO
since 20202.302.312.618
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0939/00A097 | Brussels | 2,365 m² | 1 · 212 m² | 19.7 m · 6 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.
Similar companies · same sector, comparable size
DONE4YOU
BE 0755.785.396
Mettet · Eq €83k
ATIT
BE 0465.334.734
Boutersem · Eq €83k
KLIFE
BE 0728.500.583
Puurs-Sint-Amands · Eq €83k
Activ8it
BE 0603.992.769
Diest · Eq €83k
Webskulls
BE 0743.869.640
Antwerpen · Eq €83k
Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 15,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.