A.M.S.
ActiveA.M.S. has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €12k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 57% of 1893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency99▼-1
Growth32▼-20
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.53 against 5.56 in 2024), and 36.3% 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
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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
28 d early
2023
on the day
2022
9 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Name match with a sanctions list
1 entryS M A
A name match is not a finding that this company itself is on the list; check the entry at the source.
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 70.0%
2024 · €58k
2022: €33k
2023: €48k
2024: €58k
2022 → 2025
Total assets
€27k▼ 61.1%
2024 · €70k
2022: €47k
2023: €60k
2024: €70k
2022 → 2025
Net result
€12k▲ 14.1%
2024 · €11k
2022: €28k
2023: €16k
2024: €11k
2022 → 2025
Working capital
€15k▼ 72.7%
2024 · €55k
2022: €32k
2023: €46k
2024: €55k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€33k-€48k▲ 45.8%€58k▲ 20.9%€17k▼ 70.0%
Operating result€36k-€21k▼ 41.1%€14k▼ 33.1%€17k▲ 20.5%
Net result€28k-€16k▼ 43.1%€11k▼ 31.8%€12k▲ 14.1%
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 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27k
Fixed assets
€2k▼ 11.1%
Current assets
€25k▼ 63.0%
Equity and liabilities €27k
Equity
€17k▼ 70.0%
Debt
€10k▼ 18.5%
The debt ratio rises from 17.3% to 36.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€18k▲
2024 · €15k
Cash flow
€14k▲
2024 · €12k
Solvency
63.7%▼
2024 · 82.7%
Current ratio
2.53▼
2024 · 5.56
Quick ratio
2.53▼
2024 · 5.56
Debt / equity
0.57▲
2024 · 0.21
ROE
71.1%▲
2024 · 18.7%
ROA
45.3%▲
2024 · 15.4%
Interest coverage
41.86▲
2024 · 35.35
Debt
€10k▼
2024 · €12k
Debt ≤ 1 year
€10k▼
2024 · €12k
Income taxes
€4k▲
2024 · €4k
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€70k€27k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€67k€25k▼
Amounts receivable after more than one year29€15k€0▼
Other amounts receivable291€15k€0▼
Amounts receivable within one year40/41€15k€18k▲
Trade receivables40€9k€18k▲
Other amounts receivable41€6k€800▼
Cash at bank and in hand54/58€35k€5k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€70k€27k▼
Equity10/15€58k€17k▼
Contributions10/11€5k€5k=
Reserves13€53k€12k▼
Distributable reserves133€53k€12k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€12k€10k▼
Amounts payable within one year42/48€12k€10k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€972€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€2k€985▼
Gross operating margin9900€17k€19k▲
Operating profit (loss)9901€14k€17k▲
Financial income75/76B€747€190▼
Recurring financial income75€747€190▼
Financial charges65/66B€425€438▲
Recurring financial charges65€425€438▲
Profit (loss) for the period before taxes9903€14k€17k▲
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€11k€12k▲
Profit (loss) for the period to be appropriated9905€11k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€12k▲
Transfer from equity791/2-€53k
Transfer to equity691/2€10k€12k▲
To other reserves6921€10k€12k▲
Profit to be distributed694/7€800€53k▲
Return on contributions (dividend)694€800€53k▲
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
Next filing, fiscal year 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €11k ▼31.8%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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-Lievens-Houtem · 1 establishment unit since 2021
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.
Strijmeers 159520 Sint-Lievens-HoutemGround area
443 m²
Building footprint
151 m²
Volume, LiDAR
828 m³
Parcel 41072B0270/00D000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A.M.S.
since 20212.315.900.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41072B0270/00D000 | Flanders | 443 m² | 1 · 151 m² | 7.5 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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FINEX MANAGEMENT
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Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 999 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2021
Fiscal year end31-03
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
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.