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AM ARCHITECTURE

Active
Private limited companyfounded 20197 yrs activeRue Jacques Musch 7, 4053 Chaudfontaine, BelgiumKBO/BCE: BE 0731.715.540
Summary

The computed 12-month bankruptcy probability of AM ARCHITECTURE is 5.6% (elevated). The annual accounts of AM ARCHITECTURE for fiscal year 2024 show a net loss of 97% of the equity at the start of that year. The 2024 annual accounts show equity of €386 and a net result of -€14,739. Equity is shrinking by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 10% of 11615 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
AM ARCHITECTUREActiveChecked score 33/100
Risk analysis ReportCompare

Overview

Activity
Activities of building architects
NACE 71111
1 site
Size
€46,357total assets 2024
Equity
€386
Loss
-€14,739
Turnover not published (abridged schema)
Financial health
33 Weak Checked score 2024
Bankruptcy chance 12 m
5.6%
Structure
Accounts 67 d overdue0 of 2 deeds read
Why 33- 1 financial year not filed after the legal deadline; latest accounts 181 days late; 1 of the last 3 late- Figures for FY 2024 (filed 03-02-2026)- Loss of €14,739, the second in a row (FY 2024)+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)Show the evidence

Checked score

Score 2024
33 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 5% of its sector peers (NACE 71, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 26-25
equity 0.8% of total assets
Liquidity 4-15
short-term debt 88.6% · cash 2.2%
Profitability 0-66
return on assets -31.8%
Bankruptcy probability, 12 months
5.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,788 companies)
Last 24 months 11-2024: 1.2% 12-2024: 1.2%● 0.0% vs 11-2024 01-2025: 1.2%▼ -0.3% vs 12-2024lowest value 02-2025: 1.2%▲ +2.5% vs 01-2025 03-2025: 1.3%▲ +4.0% vs 02-2025 04-2025: 1.3%▼ -0.1% vs 03-2025 05-2025: 1.2%▼ -1.1% vs 04-2025 06-2025: 1.2%▼ -2.2% vs 05-2025 07-2025: 1.2%▼ -1.4% vs 06-2025 08-2025: 1.8%▲ +49.7% vs 07-2025 09-2025: 2.3%▲ +27.5% vs 08-2025 10-2025: 3.8%▲ +64.4% vs 09-2025 11-2025: 3.8%▲ +1.7% vs 10-2025 12-2025: 4.4%▲ +14.3% vs 11-2025 01-2026: 2.9%▼ -32.4% vs 12-2025 02-2026: 2.9%● 0.0% vs 01-2026 03-2026: 2.5%▼ -13.7% vs 02-2026 04-2026: 2.6%▲ +0.8% vs 03-2026 05-2026: 2.5%▼ -1.0% vs 04-2026 06-2026: 2.4%▼ -3.9% vs 05-2026 07-2026: 2.4%▼ -0.2% vs 06-2026 08-2026: 3.1%▲ +25.1% vs 07-2026 09-2026: 3.7%▲ +20.5% vs 08-2026 10-2026: 5.6%▲ +50.9% vs 09-2026highest value
  • 1 financial year not filed after the legal deadline; latest accounts 181 days late; 1 of the last 3 late raises the probability
  • Figures for FY 2024 (filed 03-02-2026) raises the probability
  • Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
  • Loss of €14,739, the second in a row (FY 2024) raises the probability
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.15 against 0.19 in 2023; short-term debt: 88.6% and cash: 2.2% of total assets), and 99.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 71, micro). Better than this share of them on solvency 9%, liquidity 3%, profitability 4%, growth against the median 4%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · 1 financial year not filed after the legal deadline; latest accounts 181 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Figures for FY 2024 (filed 03-02-2026)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Architectural and engineering activities; technical testing and analysis (NACE 71)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Loss of €14,739, the second in a row (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
2021222324
2020 to 2024 · latest year -€14,739
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 11615 sector peers (2024).
NBB · sector comparison
Position among 11615 sector peers
Solvency
better than 10%
← weakest strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-01-2026, 181 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.
NBB · 5 filings
Deviation from the deadline
2025
not confirmed
2024
181 d late
2023
28 d early
2022
on the day
2021
37 d early
2020
3 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 23 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% 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
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Weakest financial yearnet -€14,739
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Among the weakest 9% on net resultsector median €15,484 · 11,621 companies -€14,739 View
  • Caution: Accounts not fileddeadline was 31-07-2026 67 d late View
  • Caution: 2 loss-making years in a rowloss fiscal year 2024 -€14,739 View

By topic

Financials

Fiscal year
2024
Total assets
€46,357
Loss
-€14,739
Solvency
0.8%
Total assets▼ 21.1%
Net result
20202024
Go to Financials

Timeline

Events
7
Since
2021
  1. 28-01-2026Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 03-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Activities of building architectsNACE 71111
Founded
30-07-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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