A&M Tienen

Active

Public limited companyfounded 1978active for 48 yearsSt.-Maurusweg 21, 3300 Tienen, BelgiumKBO/BCE: BE 0418.655.859

Summary

The computed 12-month bankruptcy probability of A&M Tienen is 1.6% (moderate). The 2025 annual accounts show equity of €74,988 and a net result of -€145,572. Equity remains stable across the filed financial years (±0.4% per year). Its solvency ranks better than 13% of 5,019 sector peers (NACE 47, financial year 2025). The company has been active since 1978 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

A&M TienenActiveChecked score 53/100

Risk analysis Report Compare

Activity

Retail sale of cars and light vans (up to 3.5 tonnes)

NACE 47811

6th largest employer in Tienen, Wholesale and retail trade sector2 sites

Size

€29.9mturnover 2025

Staff: 30.5 FTE
Equity: €74,988
Loss: -€145,572

Financial health

53 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.6%

Structure

Parent: Holding A&M Group · 100%

Auditor: Finvision Bedrijfsrevisoren Hasselt BV2025 accounts 29 days early3 of 13 deeds summarised

Why 53raises riskEquity €74,988 (0.7% of total assets)Liquidity: current ratio 0.98, cash €5,631, halvedSector: Retail trade (NACE 47)Loss of €145,572 (financial year 2025)Show the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 8% of its sector peers (NACE 47, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 26-46

equity 0.7% of total assets

Liquidity 0-25

short-term debt 98.5% · cash 0.1%

Profitability 22-8

return on assets -1.3%

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,693 companies, NACE 47, small)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025lowest value 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025 08-2025: 0.6%▲ +0.2 percentage points vs 07-2025 09-2025: 0.3%▼ -0.3 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.1 percentage points vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 1.6%▲ +1.2 percentage points vs 07-2026highest value 09-2026: 1.6%● unchanged vs 08-2026highest value 10-2026: 1.6%● unchanged vs 09-2026highest value

Credit of up to €3,500 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.98, compared with 1.95 in 2024, below 1; short-term debt: 98.5% and cash: 0.1% of total assets), and 99.3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small): better than 11% on solvency, 1% on liquidity, 13% on profitability and 8% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

raises riskneutral

Equity €74,988 (0.7% of total assets)

NBB · annual accounts

Liquidity: current ratio 0.98, cash €5,631, halved

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

Loss of €145,572 (financial year 2025)

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 5019 sector peers (2025).

NBB · sector comparison

Position among 5019 sector peers

Solvency

better than 13%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

29 days early

2024

on the day

2023

20 days early

2022

24 days early

2021

10 days late

2020

3 days early

2019

31 days 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 5 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

28-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

02-07-2026 Annual accounts filedfinancial year 2025 · full…
31-12-2025 Weakest financial yearnet -€145,572
31-07-2025 Annual accounts filedfinancial year 2024 · full…

Key points

Caution: Equity fell in 2025from €8.1m to €74,988 ▼ 99.1% View
Caution: Among the weakest 10% on net resultsector median €39,953 · 5,018 companies -€145,572 View
Controlled by Holding A&M Groupultimately: AUTOMOTIVE & MOBILITY INVEST 100% View
Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View
Active since 1978founded 25-09-1978 48 years View

By topic

Financials

Financial year: 2025
Turnover: €29.9m
Loss: -€145,572
Solvency: 0.7%

Turnover▼ 13.9%

Net result

20182025

Go to Financials

Board & ownership

Parent: Holding A&M Group · 100%
Auditor: Finvision Bedrijfsrevisoren Hasselt BV

Go to Board & ownership

Network & group

Group: AUTOMOTIVE & MOBILITY INVEST

Go to Network & group

Timeline

Events: 54
Since: 1979
Next accounts: by 31-07-2027

22-10-2024Reappointment: Finvision Bedrijfsrevisoren Hasselt BV (statutory auditor)
11-07-2024Annual accounts filed
31-05-2024Permanent representatives: Stijn Verhoeven and Peter Guelinckx

Go to Timeline

Company details

Sites: 2

Legal form: Public limited company
Activity: Retail sale of cars and light vans (up…NACE 47811
Founded: 25-09-1978
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about A&M Tienen

What is the company number of A&M Tienen?: 0418.655.859. In Belgium the VAT number is the company number with BE in front: BE 0418.655.859.
Where is A&M Tienen based?: The registered office is at St.-Maurusweg 21, 3300 Tienen.Company details
What does A&M Tienen do?: According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of A&M Tienen?: Public limited company (NV).
When was A&M Tienen founded?: On 25-09-1978.
Is A&M Tienen still active?: Yes, A&M Tienen is an active enterprise in the KBO register.
How many employees does A&M Tienen have?: On average 30.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of A&M Tienen?: €29.9m in financial year 2025, according to the filed annual accounts.
Is A&M Tienen profitable?: In financial year 2025, A&M Tienen made a loss of €145,572.
Where can I find the annual accounts of A&M Tienen?: A&M Tienen filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of A&M Tienen due?: By 31-07-2027, for financial year 2026.Timeline