AF-AME
ActiveSummary
AF-AME has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€794) and a net result of -€22,382. Its solvency ranks better than 9% of 11,772 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 13-03-2024 Normal situation
- Activity
- Activities of building architects NACE 71111and 5 others
- Financial year end
- 31 December
- Peppol
- Reachable since 26-11-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.7%
- Gross margin
- -€6,506
- Loss
- €22,382
- Equity
- -€794
- Total assets
- €39,820
- ▼ 32.6%
- Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equityNegative equity -€794No registered site in the KBOlowers riskSector: Architectural and engineering activities; technical testing and analysis (NACE 71)Size: total assets €39,820Show the evidence
Checked score
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 71, micro). It does better than 8% of them on solvency, 26% on liquidity, 4% on profitability and 3% on growth.
The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 20 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 13-07-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2025 is a loss of €21,867, after a profit of €28,511 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €41,093 | €2,895 |
| Intangible fixed assets | €1,000 | - |
| Depreciation and write-downs of the year | €12,653 | €14,070 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,653 | €14,070 | ▲ 11.2% |
| Other operating charges640/8 | €1,292 | €1,291 | ▼ 0.1% |
| Gross operating margin9900 | €42,456 | -€6,506 | - |
| Operating profit (loss)9901 | €28,511 | -€21,867 | - |
| Financial income75/76B | - | €6 | - |
| Recurring financial income75 | - | €6 | - |
| Financial charges65/66B | €19 | €288 | ▲ 15× |
| Recurring financial charges65 | €19 | €288 | ▲ 15× |
| Profit (loss) for the period before taxes9903 | €28,492 | -€22,149 | - |
| Income taxes67/77 | €9,904 | €233 | ▼ 97.6% |
| Profit (loss) for the period9904 | €18,589 | -€22,382 | - |
| Profit (loss) for the period to be appropriated9905 | €18,589 | -€22,382 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €59,085 | €39,820 | ▼ 32.6% |
| Fixed assets21/28 | €29,440 | €18,265 | ▼ 38.0% |
| Intangible fixed assets21 | €833 | €633 | ▼ 24.0% |
| Tangible fixed assets22/27 | €28,607 | €17,632 | ▼ 38.4% |
| Furniture and vehicles24 | €27,305 | €16,617 | ▼ 39.1% |
| Other tangible fixed assets26 | €1,302 | €1,015 | ▼ 22.0% |
| Current assets29/58 | €29,645 | €21,555 | ▼ 27.3% |
| Amounts receivable within one year40/41 | €2,157 | €4,558 | ▲ 111% |
| Trade receivables40 | €2,157 | €791 | ▼ 63.3% |
| Other amounts receivable41 | - | €3,767 | - |
| Cash at bank and in hand54/58 | €25,862 | €14,756 | ▼ 42.9% |
| Deferred charges and accrued income490/1 | €1,626 | €2,241 | ▲ 37.8% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €59,085 | €39,820 | ▼ 32.6% |
| Equity10/15 | €21,589 | -€794 | - |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €18,589 | -€3,794 | - |
| Amounts payable17/49 | €37,496 | €40,614 | ▲ 8.3% |
| Amounts payable within one year42/48 | €37,496 | €40,001 | ▲ 6.7% |
| Trade debts44 | €2,486 | €4,783 | ▲ 92.4% |
| Suppliers440/4 | €2,486 | €4,783 | ▲ 92.4% |
| Taxes, remuneration and social security45 | €13,149 | €14,735 | ▲ 12.1% |
| Taxes450/3 | €11,649 | €13,235 | ▲ 13.6% |
| Remuneration and social security454/9 | €1,500 | €1,500 | = |
| Other amounts payable47/48 | €21,862 | €20,482 | ▼ 6.3% |
| Accrued charges and deferred income492/3 | - | €613 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €18,589 | -€22,382 | - |
| + Depreciation and write-downs630 | €12,653 | €14,070 | ▲ 11.2% |
| Operating cash flow (approximation) | €31,241 | -€8,313 | - |
| Investment in fixed assets (approximation) | - | -€2,895 | - |
| Change in cash | - | -€11,106 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,639 companies had the same profile as AF-AME has now. Two years later, 84.8% were still going and 8.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AF-AME itself is lower: 0.7% within 12 months. It rests on far more data about AF-AME than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for AF-AME. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- FRITZLAR Arne 100 shares (100%) · €3,000 in cash
Capital transactions
- 15-03-2024 Incorporation · €3,000 · 100 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| FRITZLAR Arne |
|
| MARMANN Miriam |
|
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Cession d’actions, commun accord ou défaut dernier bilan,2 ou 3 derniers bilans selon 1,2 ou 3 exercices ou plus”
Articles of association, deed of 15-03-2024 (in French)
Network & group
AF-AME shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of AF-AME. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
17-03
Gazette deed
Appointment: MARMANN Miriam (director)2 points ▸
- General meeting, 28-06-2024
- Director appointment, MARMANN Miriam (director)
15-03
Gazette deed
IncorporationStarting capital €3,000 · Appointment: FRITZLAR Arne (director) · Founder11 points ▸
- Incorporation, “AF-AME” (deed in French)
- Founder, FRITZLAR Arne
- Founding capital, €3,000
- Bank account, “BE59 0689 5158 9326”, 3000 (deed in French)
- Declaration, “plan financier remis au notaire, capitaux propres de départ justifiés dans le plan” (deed in French)
- Declaration, “responsabilité des fondateurs en cas de faillite dans les trois ans si capitaux propres de départ manifestement insuffisants, cent actions en espèces au prix de…” (deed in French)
- Other provision, “statuts arrêtés par les comparants” (deed in French)
- Capital
- Registered office clause, “4053 Chaudfontaine (Embourg), rue Jacques Musch 29/B” (deed in French)
- Director appointment, FRITZLAR Arne (director (not named in the articles))
- Pre-incorporation commitments, “takeover, engagements,obligations et activités au nom et pour compte société en formation” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1007.102.401
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62030C0079/00Z000 | Wallonia | 1,049 m² | 1 · 158 m² | 14.1 m · 2 |