ACHAMAU
ActiveThe computed 12-month bankruptcy probability of ACHAMAU is 1.7% (moderate). The 2025 annual accounts show equity of €142k and a net result of €-17k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 95% of 13270 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-9
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
short-term debt: 0.6% and cash: 93.1% of total assets, and 0.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-17k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-01-2026, 185 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
185 d early
2024
23 d early
2023
148 d early
2022
38 d early
2021
61 d early
2020
47 d early
2019
59 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▼ 10.9%
2024 · €159k
2018: €52k
2019: €68k
2020: €100k
2021: €156k
2022: €158k
2023: €167k
2024: €159k
2018 → 2025
Total assets
€142k▼ 14.5%
2024 · €167k
2018: €66k
2019: €83k
2020: €120k
2021: €181k
2022: €186k
2023: €191k
2024: €167k
2018 → 2025
Net result
€-17k▼ 115%
2024 · €-8k
2018: €10k
2019: €18k
2020: €33k
2021: €58k
2022: €3k
2023: €10k
2024: €-8k
2018 → 2025
Working capital
€140k▼ 9.8%
2024 · €156k
2018: €38k
2019: €58k
2020: €93k
2021: €143k
2022: €149k
2023: €160k
2024: €156k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€158k▲ 1.6%€167k▲ 5.5%€159k▼ 4.8%€142k▼ 10.9%
Operating result€81k-€-780€14k€-9k€-24k▼ 162%
Net result€58k-€3k▼ 95.6%€10k▲ 312%€-8k€-17k▼ 115%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2025 against €9k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€1k▼ 62.9%
Current assets
€141k▼ 13.6%
Equity and liabilities €142k
Equity
€142k▼ 10.9%
Debt
€888▼ 88.6%
The debt ratio falls from 4.7% to 0.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-22k▼
2024 · €-6k
Cash flow
€-15k▼
2024 · €-5k
Solvency
99.4%▲
2024 · 95.3%
Debt / equity
0.01▼
2024 · 0.05
ROE
-12.2%▼
2024 · -5.1%
ROA
-12.2%▼
2024 · -4.8%
Interest coverage
-16.76▼
2024 · -6.82
Debt
€888▼
2024 · €8k
Debt ≤ 1 year
€888▼
2024 · €8k
Staff costs
€124k▲
2024 · €99k
A ratio outside any meaningful range has been withheld (balance sheet total €142k, equity €142k).
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€167k€142k▼
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€2k€382▼
Furniture and vehicles24€1k€826▼
Current assets29/58€163k€141k▼
Stocks and contracts in progress3€6k-
Stocks30/36€6k-
Amounts receivable within one year40/41€6k€9k▲
Trade receivables40-€58
Other amounts receivable41€6k€9k▲
Current investments50/53€40k-
Cash at bank and in hand54/58€111k€133k▲
Equity and liabilities
Total equity and liabilities10/49€167k€142k▼
Equity10/15€159k€142k▼
Contributions10/11€19k€19k=
Reserves13€140k€124k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€138k€124k▼
Profit (loss) carried forward14-€-2k
Amounts payable17/49€8k€888▼
Amounts payable within one year42/48€8k€888▼
Trade debts44€3k-
Suppliers440/4€3k-
Taxes, remuneration and social security45€899-
Remuneration and social security454/9€899-
Other amounts payable47/48€4k€888▼
Income statement
Code20242025
Remuneration, social security and pensions62€99k€124k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€94k€105k▲
Operating profit (loss)9901€-9k€-24k▼
Financial income75/76B€2k€8k▲
Recurring financial income75€2k€8k▲
Financial charges65/66B€856€1k▲
Recurring financial charges65€856€1k▲
Profit (loss) for the period before taxes9903€-8k€-17k▼
Profit (loss) for the period9904€-8k€-17k▼
Profit (loss) for the period to be appropriated9905€-8k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-17k▼
Transfer from equity791/2€8k€16k▲
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
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series.
31-12
Financial
Liquidity times 8current ratio 158.96
Current ratio from 21.02 to 158.96; short-term debt falls from €8k to €888.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 21.02
Current ratio from 7.73 to 21.02; short-term debt falls from €24k to €8k.
05-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €58k ▲72.9%
Operating result €81k, net result €58k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲56.4%
4 profitable years in a row build equity to €156k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
24-01-2026
ACHARA JANSSENS: Resigned as Director
24-01-2026
MAUD KAREN VAN DEN ABEELE: Resigned as Director
22-09-2023
ACHARA JANSSENS: Resigned as Director
22-09-2023
MAUD VAN DEN ABEele: Resigned as Director
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2015
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.
Onder de Toren 58380 BruggeGround area
517 m²
Building footprint
764 m²
Volume, LiDAR
4,279 m³
Parcel 31016B0818/00M000, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Huyze Saeftinghe
since 20152.241.913.587
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31016B0818/00M000 | Flanders | 517 m² | 1 · 764 m² | 11.5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 29,341 EUR awarded · 29,341 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,542 EUR | 5,542 EUR |
| 2024 | 1 | 7,371 EUR | 7,371 EUR |
| 2023 | 1 | 10,660 EUR | 10,660 EUR |
| 2022 | 1 | 5,768 EUR | 5,768 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.241.913.587
Similar companies · same sector, comparable size
ILYS
BE 0886.885.054
Grimbergen · Eq €141k
CARRELLO
BE 0476.179.730
Blankenberge · Eq €141k
Bones
BE 0640.689.156
Brugge · Eq €142k
DES ARTS
BE 0466.041.349
Gent · Eq €142k
CHAUFFAGE FULL SANITAIRE
BE 0819.916.650
Sint-Jans-Molenbeek · Eq €142k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,133 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2015
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.