A & M QUALITY
ActiveA & M QUALITY has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €85k and a net result of €48k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
100
/ 100
Excellent▲ +6 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+92
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.4 against 5.75 in 2023), and 26.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
9 d early
2022
28 d early
2021
19 d late
2020
25 d late
2019
38 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€85k▲ 130%
2023 · €37k
2019: €21k
2020: €39k
2021: €40k
2022: €36k
2023: €37k
2019 → 2024
Total assets
€116k▲ 170%
2023 · €43k
2019: €46k
2020: €67k
2021: €57k
2022: €40k
2023: €43k
2019 → 2024
Net result
€48k▲ 8,116%
2023 · €583
2019: €21k
2020: €18k
2021: €1k
2022: €-4k
2023: €583
2019 → 2024
Working capital
€75k▲ 159%
2023 · €29k
2019: €21k
2020: €15k
2021: €19k
2022: €23k
2023: €29k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€39k-€40k▲ 3.2%€36k▼ 9.7%€37k▲ 1.6%€85k▲ 130%
Operating result€23k-€3k▼ 87.0%€-3k€2k€58k▲ 2,944%
Net result€18k-€1k▼ 92.9%€-4k€583€48k▲ 8,116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 2,944% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €116k
Fixed assets
€10k▲ 24.8%
Current assets
€106k▲ 203%
Equity and liabilities €116k
Equity
€85k▲ 130%
Debt
€31k▲ 407%
The debt ratio rises from 14.4% to 26.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€65k▲
2023 · €8k
Cash flow
€54k▲
2023 · €7k
Solvency
73.1%▼
2023 · 85.6%
Current ratio
3.40▼
2023 · 5.75
Quick ratio
3.40▼
2023 · 5.75
Debt / equity
0.37▲
2023 · 0.17
ROE
56.6%▲
2023 · 1.6%
ROA
41.3%▲
2023 · 1.4%
Interest coverage
176.36▲
2023 · 35.38
Debt
€31k▲
2023 · €6k
Debt ≤ 1 year
€31k▲
2023 · €6k
Income taxes
€16k▲
2023 · €1k
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€43k€116k▲
Fixed assets21/28€8k€10k▲
Tangible fixed assets22/27€8k€10k▲
Plant, machinery and equipment23€303€459▲
Furniture and vehicles24€7k€9k▲
Financial fixed assets28€148€148=
Current assets29/58€35k€106k▲
Amounts receivable within one year40/41€32k€40k▲
Trade receivables40€29k€38k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€2k€55k▲
Deferred charges and accrued income490/1€1k€11k▲
Equity and liabilities
Total equity and liabilities10/49€43k€116k▲
Equity10/15€37k€85k▲
Contributions10/11€1€1=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€31k€79k▲
Amounts payable17/49€6k€31k▲
Amounts payable within one year42/48€6k€31k▲
Current portion of amounts payable after more than one year42-€1k
Trade debts44€589€8k▲
Suppliers440/4€589€8k▲
Taxes, remuneration and social security45€3k€21k▲
Taxes450/3€2k€18k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€2k€1k▼
Accrued charges and deferred income492/3€75€31▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€10k€67k▲
Operating profit (loss)9901€2k€58k▲
Financial income75/76B-€6k
Recurring financial income75-€6k
Financial charges65/66B€225€366▲
Recurring financial charges65€225€366▲
Profit (loss) for the period before taxes9903€2k€64k▲
Income taxes67/77€1k€16k▲
Profit (loss) for the period9904€583€48k▲
Profit (loss) for the period to be appropriated9905€583€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€79k▲
Profit (loss) brought forward from the previous period14P€31k€31k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Highest result since 2019net €48k ▲8116%
Operating result €58k, net result €48k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €583
Net result €583 after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-4k ▼408%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 7.25
Current ratio from 2.09 to 7.25; short-term debt falls from €17k to €4k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
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, Wemmel · 1 establishment unit since 2019
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.
Lt. Graffplein 151780 WemmelGround area
513 m²
Building footprint
253 m²
Volume, LiDAR
1,543 m³
2 parcels, Flanders, Wallonia · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
A & M QUALITY
since 20192.288.091.824
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55302B0404/00F000 | Wallonia | 365 m² | 1 · 109 m² | - |
| 22662B0387/00R004 | Flanders | 147 m² | 1 · 144 m² | 14.9 m · 4 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.
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Of 9,635 companies in sector 68121 we hold annual accounts for 7,327. 5,228 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2019
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0467 81 33 61