AM BAT

Active

Private limited companyfounded 20205 yrs activeLt. Graffplein 15, 1780 Wemmel, BelgiumKBO/BCE: BE 0755.643.163

The computed 12-month bankruptcy probability of AM BAT is 2.1% (moderate). The 2024 annual accounts show equity of €82k and a net result of €56k. Equity is growing by ~40% per year across the filed fiscal years. Its solvency ranks better than 63% of 9981 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

66 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+21

Solvency79▲+38

Growth74▲+17

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 2.46 against 1.16 in 2023; short-term debt: 34.4% and cash: 1% of total assets), and 45.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-06-2025, 48 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

48 d early

2023

121 d late

2022

152 d late

2021

43 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Turnover

€132k▲ 10.2%

2021 · €120k

2021: €120k

2021 → 2022

EBIT margin

21.6%▼ 6.2pp

2021 · 27.8%

2021: 27.8%

2021 → 2022

Net result

€56k▲ 303%

2023 · €14k

2021: €34k 2022: €28k 2023: €14k

2021 → 2024

Working capital

€76k▲ 314%

2023 · €18k

2021: €14k 2022: €18k 2023: €18k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Turnover€120k-€132k▲ 10.2%

Equity€20k-€21k▲ 2.2%€25k▲ 23.0%€82k▲ 221%

Operating result€33k-€29k▼ 14.3%€24k▼ 16.4%€74k▲ 211%

Net result€34k-€28k▼ 16.6%€14k▼ 50.9%€56k▲ 303%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 211% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €151k

15.5%

84.5%

Fixed assets €23k▼ 25.2%

Current assets €128k▼ 3.3%

Equity and liabilities €151k

54.1%

45.9%

Equity €82k▲ 221%

Debt €70k▼ 49.7%

The debt ratio falls from 84.4% to 45.9%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€82k▲

2023 · €34k

Cash flow

€64k▲

2023 · €24k

Solvency

54.1%▲

2023 · 15.6%

Current ratio

2.46▲

2023 · 1.16

Quick ratio

2.46▲

2023 · 1.16

Debt / equity

0.85▼

2023 · 5.42

ROE

68.9%▲

2023 · 54.9%

ROA

37.2%▲

2023 · 8.5%

Interest coverage

28.54▲

2023 · 14.65

Debt

€70k▼

2023 · €138k

Debt ≤ 1 year

€52k▼

2023 · €114k

Debt > 1 year

€17k▼

2023 · €24k

Income taxes

€17k▲

2023 · €8k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€164k€151k▼

Fixed assets21/28€31k€23k▼

Tangible fixed assets22/27€31k€23k▼

Furniture and vehicles24€31k€23k▼

Financial fixed assets28€78€78=

Current assets29/58€132k€128k▼

Amounts receivable within one year40/41€126k€126k▼

Trade receivables40€96k€87k▼

Other amounts receivable41€31k€38k▲

Cash at bank and in hand54/58€6k€2k▼

Deferred charges and accrued income490/1-€780

Equity and liabilities

Total equity and liabilities10/49€164k€151k▼

Equity10/15€25k€82k▲

Contributions10/11€1k€1k=

Profit (loss) carried forward14€24k€81k▲

Amounts payable17/49€138k€70k▼

Amounts payable after more than one year17€24k€17k▼

Financial debts170/4€24k€17k▼

Amounts payable within one year42/48€114k€52k▼

Current portion of amounts payable after more than one year42€6k€7k▲

Trade debts44€13k€7k▼

Suppliers440/4€13k€7k▼

Advances received on contracts in progress46€91k€18k▼

Taxes, remuneration and social security45€4k€20k▲

Taxes450/3€4k€20k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼

Other operating charges640/8€3k€3k▼

Gross operating margin9900€37k€85k▲

Operating profit (loss)9901€24k€74k▲

Financial income75/76B€749€2k▲

Recurring financial income75€749€2k▲

Financial charges65/66B€2k€3k▲

Recurring financial charges65€2k€3k▲

Profit (loss) for the period before taxes9903€22k€73k▲

Income taxes67/77€8k€17k▲

Profit (loss) for the period9904€14k€56k▲

Profit (loss) for the period to be appropriated9905€14k€56k▲

Appropriation of the result

Profit (loss) to be appropriated9906€34k€81k▲

Profit (loss) brought forward from the previous period14P€20k€24k▲

Profit to be distributed694/7€9k-

Directors or managers695€9k-

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

2025

13-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2021net €56k ▲303%

Operating result €74k, net result €56k, both a record.

31-12

Financial Liquidity doublescurrent ratio 2.46

Current ratio from 1.16 to 2.46; short-term debt falls from €114k to €52k.

29-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 121 days late

2023

31-12

Financial Weakest financial yearnet €14k ▼50.9%

Net result drops to €14k, the lowest in the series; recovery starts the following year.

30-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 152 days late

2022

12-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 43 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Wemmel · 1 establishment unit since 2020

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.

Lt. Graffplein 151780 Wemmel

Ground area

256 m²

Building footprint

243 m²

Volume, LiDAR

2,683 m³

2 parcels, Brussels, Flanders · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

AM BAT

Colignonplein 34, 1030 SchaarbeekGeneral construction of buildings

since 20202.313.612.029

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
22662B0387/00R004	Flanders	147 m²	1 · 144 m²	14.9 m · 4 fl.
21910E0168/00L003	Brussels	109 m²	1 · 99 m²	16.8 m · 4 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,195 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-10-2020

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43990Other specialised construction activities

43995Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.