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AAMEL

Active
Private limited company (pre-2019)· 14 yrs active
Jetse Laan 231 ·1090 Jette, Belgium
KBO/BCE: BE 0844.514.266
Watch Print / PDF
Belgian State Gazette acts: 0 of 7 read
Age14 yrs
Real estate1 parcel · 126 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of AAMEL is 4.2% (elevated). The 2020 annual accounts show equity of €13k and a net result of €-5k. Equity is shrinking by ~18.2% per year across the filed fiscal years. The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.2% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +No NACE activity registered +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

Insufficient current data: the most recent filed accounts (financial year 2020) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Annual accounts not filed
The financial year that closed on 31-12-2021 was due at the National Bank by 31-07-2022. Nothing is on record today, 1494 days later. 5 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed more than 90 days late
The financial year that closed on 31-12-2020 was due by 31-07-2021 and was filed on 18-11-2021, 110 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 9 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2020, that is 31-07-2021.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not confirmed -
31-12-2024 31-07-2025 nothing on record not filed -
31-12-2023 31-07-2024 nothing on record not filed -
31-12-2022 31-07-2023 nothing on record not filed -
31-12-2021 31-07-2022 nothing on record not filed -
31-12-2020 31-07-2021 18-11-2021 110 d late 2021-77500332
31-12-2019 31-07-2020 04-03-2021 216 d late 2021-07200350
31-12-2018 31-07-2019 31-10-2019 92 d late 2019-72600188
31-12-2017 31-07-2018 31-08-2018 31 d late 2018-61900102
31-12-2016 31-07-2017 29-09-2017 60 d late 2017-64200543
31-12-2015 31-07-2016 31-08-2016 31 d late 2016-53500163
31-12-2014 31-07-2015 31-08-2015 31 d late 2015-55300551

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2012, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot included in this filing
EBIT marginNot included in this filing
Net result€-5k0%
Working capital€10k0%

Annual accounts & ratios

Source: NBB · 2020
Annual accounts filed on 18-11-2021 with the NBB · fiscal year 2020 · volledig
€-6k€-4k€-2k€0€2kOperating result 2018: €1k€1kNet result 2018: €-496€-496Operating result 2019: €-5k€-5kNet result 2019: €-5k€-5kNet result 2020: €-5k€-5k201820192020
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Gross margin: declining trend of ~50%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-8k€-5k€-3k€0€3k2021: €-2k (€-2k - €-1k)2022: €-3k (€-4k - €-3k)2023: €-5k (€-5k - €-5k)2018: €3k2019: €-4k2020: €0201820192020202120222023
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA
€-4k
- 18-20
Net profit
€-5k
0.0% 18-20
Cash flow
€-5k
-18.3% 18-20
Total assets
€16k
0.0% 18-20
Equity
€13k
0.0% 18-20
Working capital
€10k
0.0% 18-20
Debt
€3k
0.0% 18-20
Debt ≤ 1y
€3k
0.0% 18-20
Show 5 other metrics
Current ratio
3.88
0.0% 18-20
Quick ratio
2.90
0.0% 18-20
Solvency
79.5%
0.0% 18-20
ROE
-40.3%
0.0% 18-20
ROA
-32.0%
0.0% 18-20
Figures by fiscal year
Fiscal year2020
Depositvolledig
Revenue-
EBITDA-
Net profit€-5k
Cash flow€-5k
Staff costs-
Income taxes-
Dividends-
Total assets€16k
Equity€13k
Debt€3k
of which ≤ 1y€3k
of which > 1y-
Working capital€10k
Employees (FTE)-
Ratios (computed)
2020
Current ratio3.88
Quick ratio2.90
Working capital ratio59.1%
Solvency79.5%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-32.0%
ROE-40.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2020
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2020
Balance sheet, Assets
TOTAL ASSETS 20/58€16k
Fixed assets 21/28€3k
Intangible fixed assets 21€800
Financial fixed assets 28€3k
Current assets 29/58€13k
Stocks & contracts in progress 3€3k
Amounts receivable within one year 40/41€534
Cash & bank 54/58€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€16k
Equity 10/15€13k
Contributions / capital 10/11€18k
Reserves 13€501
Accumulated profits (losses) 14€-5k
Amounts payable 17/49€3k
Amounts payable within one year 42/48€3k
Trade debts payable within one year 44€591
Income statement
Gross operating margin 9900€0
Result to be appropriated 9905€-5k
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2020 · computed
55 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2020. Indicative, not credit advice.

Directors

Directors & mandates

2 directors
7 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
  • LADRAM SAMIR
    Director
    State Gazette act 25085710 (09-07-2025)
    Current
    09-07-2025 → present
    2 events
    • 09-07-2025 Appointed· Director
    • 09-07-2025 Appointed· Director (executive)
  • Saint-Jean Michaél Christian
    Director
    State Gazette act 24142522 (03-10-2024)
    Current
    03-10-2024 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation19-03-2012
StatusActive
Postal code1090

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
11 companies at this address See who is registered here
Parcels1
Ground area126 m²
Buildings1
Building footprint115 m²
Volume (LiDAR)1,151 m³
Tallest building14.3 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21464E0003/00H002 Brussels 126 m² 1 · 115 m² 14.3 m · 4 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

3 acts
Capital history · 2
09-07-2025
Capital change
06-07-2023
Capital change
All acts · 3 updated 1 year ago
2025
09-07-2025 Transaction in capital or shares Capital & shares
2024
03-10-2024 Saint-Jean Michaél Christian appointed as director Director changes
  • Saint-Jean Michaél Christian, Bestuurder
2023
06-07-2023 All shares are now held by a single shareholder Capital & shares

Analysis

Financial profile

5 of 5 axes measured
Health55Profitability0Solvency100Growth32Stability100
57 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 55
Profitability 0
Solvency 100
Growth 32
Stability 100

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Company registry

Company registry (CBE)

Crossroads Bank
Names & trade names
Legal nameFR AAMEL
Registered office
Jetse Laan 231
1090 Jette, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.