A & M Studio's
ActiveSummary
A & M Studio's has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €3k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+20
Solvency100▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 5.84 against 2.62 in 2024; short-term debt: 15.9% and cash: 36.9% of total assets), and 15.9% 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84.1%
Return on assets
18%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
31 d late
2022
31 d late
2021
17 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▲ 27.3%
2024 · €11k
2021: €7k
2022: €8k
2023: €11k
2024: €11k
2021 → 2025
Total assets
€16k▲ 2.2%
2024 · €16k
2021: €30k
2022: €22k
2023: €17k
2024: €16k
2021 → 2025
Net result
€3k▲ 1,194%
2024 · €226
2021: €-3k
2022: €826
2023: €3k
2024: €226
2021 → 2025
Working capital
€13k▲ 49.6%
2024 · €8k
2021: €3k
2022: €15k
2023: €8k
2024: €8k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€8k▲ 11.5%€11k▲ 31.7%€11k▲ 2.2%€14k▲ 27.3%
Operating result€-2k-€2k€4k▲ 110%€1k▼ 67.9%€6k▲ 358%
Net result€-3k-€826€3k▲ 207%€226▼ 91.1%€3k▲ 1,194%
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 358% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16k
Fixed assets
€1k ▼ 43.9%
Current assets
€15k ▲ 11.6%
Equity and liabilities €16k
Equity
€14k ▲ 27.3%
Debt
€3k ▼ 50.0%
The debt ratio falls from 32.5% to 15.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▲
2024 · €2k
Cash flow
€4k▲
2024 · €1k
Current ratio
5.84▲
2024 · 2.62
Debt / equity
0.19▼
2024 · 0.48
ROE
21.4%▲
2024 · 2.1%
ROA
18.0%▲
2024 · 1.4%
Interest coverage
14.88▲
2024 · 7.03
Debt ≤ 1 year
€3k▼
2024 · €5k
Income taxes
€2k▲
2024 · €753
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€16k€16k▲
Formation expenses20€304-
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€766▼
Furniture and vehicles24€481€400▼
Current assets29/58€14k€15k▲
Stocks and contracts in progress3€4k-
Stocks30/36€4k-
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40€4k€2k▼
Other amounts receivable41€156€4k▲
Cash at bank and in hand54/58€1k€6k▲
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€16k€16k▲
Equity10/15€11k€14k▲
Contributions10/11€10k€10k=
Reserves13€756€4k▲
Distributable reserves133€756€4k▲
Amounts payable17/49€5k€3k▼
Amounts payable within one year42/48€5k€3k▼
Trade debts44€1k€228▼
Suppliers440/4€1k€228▼
Advances received on contracts in progress46€50-
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€62-
Gross operating margin9900€3k€7k▲
Operating profit (loss)9901€1k€6k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€355€2k▲
Recurring financial charges65€355€493▲
Non-recurring financial charges66B-€1k
Profit (loss) for the period before taxes9903€979€4k▲
Income taxes67/77€753€2k▲
Profit (loss) for the period9904€226€3k▲
Profit (loss) for the period to be appropriated9905€226€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€226€3k▲
Transfer to equity691/2€226€3k▲
To other reserves6921€226€3k▲
The notes to these accounts (4 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
2026
11-09
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 09-09-2026
- Registered-office move, Poststraat 11 bus B, 3945 Tessenderlo - Ham
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2021net €3k ▲1194%
Operating result €6k, net result €3k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.84
Current ratio from 2.62 to 5.84; short-term debt falls from €5k to €3k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €826
Net result €826 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 4.94
Current ratio from 1.15 to 4.94; short-term debt falls from €23k to €4k.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tessenderlo-Ham · 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.
Poststraat 113945 Tessenderlo-HamGround area
6,374 m²
Building footprint
1,963 m²
Volume, LiDAR
15,130 m³
Parcel 71033B0250/00S000, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A & M Studio's
since 20202.310.358.866
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B0250/00S000 | Flanders | 6,374 m² | 1 · 1,963 m² | 13.1 m · 3 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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DesiGnated
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Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,150 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2020
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
47722Retail trade
74201Photography, excluding press photography
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.