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AL AMAR

Active
Private limited companyfounded 20242 yrs activeRue de-Gueldre 2, 4000 Liège, BelgiumKBO/BCE: BE 1006.515.154
Summary

The computed 12-month bankruptcy probability of AL AMAR is 4.9% (elevated). The 2025 annual accounts show equity of €5,083 and a net result of €6,091. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
59 / 100
Fair
An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency54▲+48
Growth78
Track record82
Bankruptcy probability, 12 months
4.9% Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.33 against 0.61 in 2024; short-term debt: 70.5% and cash: 90.7% of total assets), and 70.5% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
29.5%
Return on assets
35.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 12-06-2026, 49 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
49 d early
2024
69 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 10 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
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 27 February 2024, AL AMAR was incorporated as a Private limited company.1 In 2026 the registered office moved to Liège.2 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 19-06-2026
  3. 3National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€5,083
2024 · -€1,009
Total assets
€17,247▲ 229%
2024 · €5,243
Net result
€6,091
2024 · -€3,859
Working capital
€4,072
2024 · -€2,459
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€3,841-€7,392
Net result-€3,859within the sector's middle half-€6,091
Equity-€1,009below the sector's middle half-€5,083
Total assets€5,243below the sector's middle half-€17,247▲ 229%
Debt€6,252-€12,164▲ 94.6%
Working capital-€2,459within the sector's middle half-€4,072
Solvency-19.2%below the sector's middle half-29.5%▲ 48.7pp
Current ratio0.61below the sector's middle half-1.33▲ 0.73
Return on assets (ROA)-73.6%below the sector's middle half-35.3%▲ 108.9pp
above within below the middle half (P25 to P75) of NACE 47, Retail trade, 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
-€5,000€0€5,000Operating result 2024: -€3,841-€3,841Net result 2024: -€3,859-€3,859Operating result 2025: €7,392€7,392Net result 2025: €6,091€6,09120242025-€5,000€0€5,000Operating result 2024: -€3,841-€3,840Net result 2024: -€3,859-€3,860Operating result 2025: €7,392€7,390Net result 2025: €6,091€6,09020242025
The operating result returns to profit in 2025: €7,392 after a loss of €3,841 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17,247
Fixed assets €1,011 ▼ 30.3%
Current assets €16,236 ▲ 328%
Equity and liabilities €17,247
Equity €5,083
Debt €12,164
Debt finances 70.5% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
EBITDA
€7,875
Cash flow
€6,575
Debt to equity
2.39
ROE
119.8%
Interest coverage
39.14
Debt ≤ 1 year
€12,164▲
2024 · €6,252
Income taxes
€1,099
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.6% went bankrupt
1.8% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 4.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 7,976 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 · 2025 against 2024 · 34 lines
Balance sheet Code20242025
Assets
Total assets20/58€5,243€17,247▲
Fixed assets21/28€1,450€1,011▼
Tangible fixed assets22/27€1,450€1,011▼
Plant, machinery and equipment23€1,450€1,011▼
Current assets29/58€3,793€16,236▲
Amounts receivable within one year40/41€602€596▼
Trade receivables40-€596
Other amounts receivable41€602-
Cash at bank and in hand54/58€3,191€15,640▲
Equity and liabilities
Total equity and liabilities10/49€5,243€17,247▲
Equity10/15-€1,009€5,083▲
Contributions10/11€2,850€2,850=
Profit (loss) carried forward14-€3,859€2,233▲
Amounts payable17/49€6,252€12,164▲
Amounts payable within one year42/48€6,252€12,164▲
Trade debts44€5,315€3,373▼
Suppliers440/4€5,315€3,373▼
Taxes, remuneration and social security45-€2,065
Taxes450/3-€2,065
Other amounts payable47/48€936€6,726▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€483
Other operating charges640/8€4€1,866▲
Gross operating margin9900-€3,837€9,741▲
Operating profit (loss)9901-€3,841€7,392▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€18€201▲
Recurring financial charges65€18€201▲
Profit (loss) for the period before taxes9903-€3,859€7,190▲
Income taxes67/77-€1,099
Profit (loss) for the period9904-€3,859€6,091▲
Profit (loss) for the period to be appropriated9905-€3,859€6,091▲
Appropriation of the result
Profit (loss) to be appropriated9906-€3,859€2,233▲
Profit (loss) brought forward from the previous period14P--€3,859

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€483-
Other operating charges640/8€4€1,866▲ 42,891%
Gross operating margin9900-€3,837€9,741▲ 354%
Operating profit (loss)9901-€3,841€7,392▲ 292%
Financial income75/76B€0--
Recurring financial income75€0--
Financial charges65/66B€18€201▲ 1,009%
Recurring financial charges65€18€201▲ 1,009%
Profit (loss) for the period before taxes9903-€3,859€7,190▲ 286%
Income taxes67/77-€1,099-
Profit (loss) for the period9904-€3,859€6,091▲ 258%
Profit (loss) for the period to be appropriated9905-€3,859€6,091▲ 258%
Line20242025Change
Assets
Total assets20/58€5,243€17,247▲ 229%
Fixed assets21/28€1,450€1,011▼ 30.3%
Tangible fixed assets22/27€1,450€1,011▼ 30.3%
Plant, machinery and equipment23€1,450€1,011▼ 30.3%
Current assets29/58€3,793€16,236▲ 328%
Amounts receivable within one year40/41€602€596▼ 1.0%
Trade receivables40-€596-
Other amounts receivable41€602--
Cash at bank and in hand54/58€3,191€15,640▲ 390%
Equity and liabilities
Total equity and liabilities10/49€5,243€17,247▲ 229%
Equity10/15-€1,009€5,083▲ 604%
Contributions10/11€2,850€2,850=
Profit (loss) carried forward14-€3,859€2,233▲ 158%
Amounts payable17/49€6,252€12,164▲ 94.6%
Amounts payable within one year42/48€6,252€12,164▲ 94.6%
Trade debts44€5,315€3,373▼ 36.5%
Suppliers440/4€5,315€3,373▼ 36.5%
Taxes, remuneration and social security45-€2,065-
Taxes450/3-€2,065-
Other amounts payable47/48€936€6,726▲ 618%
Line20242025Change
Profit (loss) for the period9904-€3,859€6,091▲ 258%
+ Depreciation and write-downs630-€483-
Operating cash flow (approximation)-€3,859€6,575▲ 270%
Investment in fixed assets (approximation)--€44-
Change in cash-€12,449-

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

Next filing, fiscal year 2026, expected by 31-07-2027
2026
19-06
State Gazette act Registered office
Registered-office move3 facts ▸
  • General meeting, 02-06-2026
  • Other statement, présent, presence at general meeting
  • Registered-office move, Rue Gueldre 2 4000 Liège
12-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €6,091
Net result €6,091 after one loss-making year.
31-12
Financial Liquidity doublescurrent ratio 1.33
Current ratio from 0.61 to 1.33.
08-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 1 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 2024
establishment The establishment unit on the map
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.

Rue de-Gueldre 24000 Liège
Ground area
146 m²
Building footprint
49 m²
Volume, LiDAR
1,050 m³
Parcel 62063A0382/00E000, Wallonia · tallest building 22.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
AL AMAR
Rue de-Gueldre 1, 4000 LiègeWarehousing and support activities for transportation
since 20242.356.515.624
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62063A0382/00E000
ProtectedMonument
Wallonia 146 m² 1 · 49 m² 22.4 m · 7 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

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 10,504 companies in this sector we hold annual accounts for 5,855. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded27-02-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID 0208:1006515154
Also 9925:BE1006515154
Registered 10-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

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