Skip to content

A.M.'s

Active
Public limited companyfounded 198541 yrs activeFernand Séverinstraat 58, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0426.716.262
Summary

A.M.'s has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €402,402 and a net result of -€166,946. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 35% of 310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch ReportCompare
A.M.'sActiveChecked score 65/100
Risk analysis ReportCompare

Overview

Activity
Manufacture of chemicals and chemical products
NACE 20420Manufacture of basic metals NACE 24520Wholesale of perfume and cosmetics NACE 46450
#5 company by total assets in Schaarbeek, Manufacturing sector1 site
Size
€1.0mtotal assets 2025
Staff
5.3 FTE
Equity
€402,402
Loss
-€166,946
Financial health
65 Healthy Checked score 2025
Bankruptcy chance 12 m
1.0%
Structure
Board
3 members
Accounts filed 60 d late1 of 5 deeds read
Why 65- Loss of €166,946, the second in a row (FY 2025)- Latest accounts 60 days late; 1 of the last 3 late+ Founded in 1985+ Liquidity: current ratio 1.75, cash €140,073Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 35% of its sector peers (NACE 20, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 65-9
equity 39.6% of total assets
Liquidity 53-8
short-term debt 32.1% · cash 13.8%
Profitability 0-21
return on assets -16.4%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (351 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +5.7% vs 03-2025 05-2025: 0.1%▲ +2.3% vs 04-2025 06-2025: 0.2%▲ +15.0% vs 05-2025 07-2025: 0.2%▲ +30.1% vs 06-2025 08-2025: 0.4%▲ +76.9% vs 07-2025 09-2025: 0.4%▲ +22.4% vs 08-2025 10-2025: 0.1%▼ -83.5% vs 09-2025lowest value 11-2025: 0.1%● 0.0% vs 10-2025lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%● 0.0% vs 02-2026lowest value 04-2026: 0.1%▲ +4.2% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%▲ +13.5% vs 05-2026 07-2026: 0.1%▲ +2.4% vs 06-2026 08-2026: 0.2%▲ +137% vs 07-2026 09-2026: 0.3%▲ +24.0% vs 08-2026 10-2026: 1.0%▲ +301% vs 09-2026highest value
  • Loss of €166,946, the second in a row (FY 2025) raises the probability
  • Latest accounts 60 days late; 1 of the last 3 late raises the probability
  • Founded in 1985 lowers the probability for this profile
  • Liquidity: current ratio 1.75, cash €140,073 lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 1.75 against 2.23 in 2024; short-term debt: 32.1% and cash: 13.8% of total assets), but 60.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 20, micro). Better than this share of them on solvency 52%, liquidity 56%, profitability 11%, growth against the median 20%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €166,946, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 60 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Founded in 1985
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 1.75, cash €140,073
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€166,946
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 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 · 10 filings
Deviation from the deadline
2025
60 d late
2024
29 d late
2023
5 d early
2022
12 d early
2021
30 d late
2020
66 d early
2019
26 d 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 9 days after the deadline; the sector median for financial year 2024 is 22 days before the deadline, and 27% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 29 August (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Appointments: Pierre Lenoir, AMBANARD LIMITED SRL…Permanent representative: Françoise Lenoir ·…
  3. Weakest financial yearnet -€166,946

Key points

  • Risk: 4 loss-making years in a rowloss fiscal year 2025 -€166,946 View
  • Caution: Result fell in 2025from -€38,671 to -€166,946 ▼ 332% View
  • Caution: Among the weakest 13% on equitysector median €7.5m · 310 companies €402,402 View
  • Board changedlatest change 18-08-2026 · 3 in office 3 joined · 1 left View

By topic

Financials

Fiscal year
2025
Total assets
€1.0m
Loss
-€166,946
Solvency
39.6%
Total assets▼ 13.0%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 29-09-2026Annual accounts filed
  2. 02-09-2026Appointments: Pierre Lenoir, AMBANARD LIMITED SRL and…
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Manufacture of chemicals and chemical productsNACE 20420
Founded
31-01-1985
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

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.

We would like to set cookies. That happens only with your consent. What we measure