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AO-SI

Active
Private limited companyfounded 20215 yrs activeDiestersteenweg 443, 3680 Maaseik, BelgiumKBO/BCE: BE 0770.341.336
Summary

The computed 12-month bankruptcy probability of AO-SI is 3.8% (moderate). The 2024 annual accounts show negative equity (-€17,353) and a net result of -€3,683. Equity is shrinking by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 8969 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth72=
Track record94
Bankruptcy probability, 12 months
3.8% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Age of the figures
Age of the figures
21 mo
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
222324
2022 to 2024 · latest year -€17,353
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-08-2025, 23 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 · 3 filings
Deviation from the deadline
2025
not confirmed
2024
23 d late
2023
74 d late
2022
75 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 57 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
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

History

On 25 June 2021, AO-SI was incorporated as a Private limited company.1 Total assets went from EUR 3,578 in 2022 to EUR 1,509 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2024

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Financials · fiscal year 2024, micro schema

Turnover
€4,178▲ 313%
2022 · €1,012
EBIT margin
-71.6%▲ 1554.8pp
2022 · -1626.4%
Net result
-€3,683▼ 18.0%
2023 · -€3,120
Working capital
-€17,353▼ 25.2%
2023 · -€13,865
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202220232024
Turnover€1,012-€4,178▲ 313%
Operating result-€16,456--€2,992▲ 81.8%-€3,629▼ 21.3%
Net result-€16,549below the sector's middle half--€3,120below the sector's middle half▲ 81.1%-€3,683below the sector's middle half▼ 18.0%
EBIT margin-1626.4%--71.6%▲ 1554.8pp
Equity-€10,549below the sector's middle half--€13,670below the sector's middle half▼ 29.6%-€17,353below the sector's middle half▼ 26.9%
Total assets€3,578below the sector's middle half-€1,854below the sector's middle half▼ 48.2%€1,509below the sector's middle half▼ 18.6%
Debt€14,127-€15,523▲ 9.9%€18,862▲ 21.5%
Working capital-€10,960below the sector's middle half--€13,865below the sector's middle half▼ 26.5%-€17,353below the sector's middle half▼ 25.2%
above within below the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000-€15,000-€10,000-€5,000€0Operating result 2022: -€16,456-€16,456Net result 2022: -€16,549-€16,549Operating result 2023: -€2,992-€2,992Net result 2023: -€3,120-€3,120Operating result 2024: -€3,629-€3,629Net result 2024: -€3,683-€3,683202220232024-€20,000-€15,000-€10,000-€5,000€0Operating result 2022: -€16,456-€16,500Net result 2022: -€16,549-€16,500Operating result 2023: -€2,992-€2,990Net result 2023: -€3,120-€3,120Operating result 2024: -€3,629-€3,630Net result 2024: -€3,683-€3,680202220232024
The operating result stays negative: a loss of €3,629 in 2024 against €2,992 in 2023; the loss grows.
Key figures and ratios
2024 value · change against 2023
EBITDA
-€3,434▼
2023 · -€2,776
Cash flow
-€3,488▼
2023 · -€2,904
Interest coverage
-63.56▼
2023 · -20.87
Debt ≤ 1 year
€18,862▲
2023 · €15,523
Ratios withheld: a balance sheet total of €1,509 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,038 companies that looked in July 2024 the way this one looks now, 7.3% went bankrupt within 24 months and 82% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
7.3% went bankrupt
8.2% stopped otherwise
82% still going

A further 2.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,038 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 37 lines
Balance sheet Code20232024
Assets
Total assets20/58€1,854€1,509▼
Fixed assets21/28€195€0▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€195-
Furniture and vehicles24€195-
Current assets29/58€1,659€1,509▼
Amounts receivable within one year40/41€1,071-
Other amounts receivable41€1,071-
Cash at bank and in hand54/58€10€929▲
Deferred charges and accrued income490/1€578€580▲
Equity and liabilities
Total equity and liabilities10/49€1,854€1,509▼
Equity10/15-€13,670-€17,353▼
Contributions10/11€6,000€6,000=
Profit (loss) carried forward14-€19,670-€23,353▼
Amounts payable17/49€15,523€18,862▲
Amounts payable within one year42/48€15,523€18,862▲
Trade debts44€6,601€2,154▼
Suppliers440/4€6,601€2,154▼
Taxes, remuneration and social security45-€66
Taxes450/3-€66
Other amounts payable47/48€8,922€16,642▲
Income statement Code20232024
Turnover70€4,178-
Non-recurring operating income76A€466-
Goods, raw materials, services and sundry goods60/61€6,820€2,885▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€216€195▼
Other operating charges640/8€600€549▼
Gross operating margin9900-€2,176-€2,885▼
Operating profit (loss)9901-€2,992-€3,629▼
Financial income75/76B€5-
Recurring financial income75€5-
Financial charges65/66B€133€54▼
Recurring financial charges65€133€54▼
Profit (loss) for the period before taxes9903-€3,120-€3,683▼
Profit (loss) for the period9904-€3,120-€3,683▼
Profit (loss) for the period to be appropriated9905-€3,120-€3,683▼
Appropriation of the result
Profit (loss) to be appropriated9906-€19,670-€23,353▼
Profit (loss) brought forward from the previous period14P-€16,549-€19,670▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202220232024Change
Turnover70€1,012€4,178--
Non-recurring operating income76A€216€466--
Goods, raw materials, services and sundry goods60/61€18,726€6,820€2,885▼ 57.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€238€216€195▼ 9.9%
Other operating charges640/8-€600€549▼ 8.4%
Gross operating margin9900-€16,219-€2,176-€2,885▼ 32.6%
Operating profit (loss)9901-€16,456-€2,992-€3,629▼ 21.3%
Financial income75/76B€0€5--
Recurring financial income75€0€5--
Financial charges65/66B€93€133€54▼ 59.4%
Recurring financial charges65€93€133€54▼ 59.4%
Profit (loss) for the period before taxes9903-€16,549-€3,120-€3,683▼ 18.0%
Profit (loss) for the period9904-€16,549-€3,120-€3,683▼ 18.0%
Profit (loss) for the period to be appropriated9905-€16,549-€3,120-€3,683▼ 18.0%
Line202220232024Change
Assets
Total assets20/58€3,578€1,854€1,509▼ 18.6%
Fixed assets21/28€411€195€0▼ 100%
Intangible fixed assets21--€0-
Tangible fixed assets22/27€411€195--
Furniture and vehicles24€411€195--
Current assets29/58€3,166€1,659€1,509▼ 9.0%
Amounts receivable within one year40/41€2,891€1,071--
Trade receivables40€980---
Other amounts receivable41€1,911€1,071--
Cash at bank and in hand54/58€275€10€929▲ 9,265%
Deferred charges and accrued income490/1-€578€580▲ 0.4%
Equity and liabilities
Total equity and liabilities10/49€3,578€1,854€1,509▼ 18.6%
Equity10/15-€10,549-€13,670-€17,353▼ 26.9%
Contributions10/11€6,000€6,000€6,000=
Profit (loss) carried forward14-€16,549-€19,670-€23,353▼ 18.7%
Amounts payable17/49€14,127€15,523€18,862▲ 21.5%
Amounts payable within one year42/48€14,127€15,523€18,862▲ 21.5%
Trade debts44€2,552€6,601€2,154▼ 67.4%
Suppliers440/4€2,552€6,601€2,154▼ 67.4%
Taxes, remuneration and social security45--€66-
Taxes450/3--€66-
Other amounts payable47/48€11,575€8,922€16,642▲ 86.5%
Line202220232024Change
Profit (loss) for the period9904-€16,549-€3,120-€3,683▼ 18.0%
+ Depreciation and write-downs630€238€216€195▼ 9.9%
Operating cash flow (approximation)-€16,311-€2,904-€3,488▼ 20.1%
Investment in fixed assets (approximation)-€0€0-
Change in cash--€265€919▲ 447%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
23-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
13-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 74 days late
2023
14-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 75 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Maaseik · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
246 m²
Building footprint
74 m²
Volume, LiDAR
588 m³
Parcel 72021A1779/00R000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
A-UM
Diestersteenweg 443, 3680 MaaseikRetail trade
since 20212.322.688.556
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72021A1779/00R000 Flanders 246 m² 1 · 74 m² 10.3 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,710 companies in sector 73200 we hold annual accounts for 1,787. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded25-06-2021
Fiscal year end31-12
Legal name NL A-UM
Activities, NACEBEL 2025
73200Market research and public opinion polling
58110Book publishing
58190Other publishing activities, excluding software publishing
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
Contact
E-mail Kathy@kathyroussel.org
Phone +32476742109
E-invoicing
Not found in the Peppol register

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Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.