AM-BEHEER
ActiveAM-BEHEER has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €738k and a net result of €44k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 74% of 9113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+8
Solvency88▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 5.56 against 2.25 in 2024; short-term debt: 8.6% and cash: 0.7% of total assets), and 37.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.6%
Return on assets
3.8%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
7 d late
2024
28 d late
2023
6 d late
2022
5 d early
2021
6 d early
2020
19 d early
2019
42 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€738k▲ 6.4%
2024 · €693k
2018: €12k
2019: €46k
2020: €233k
2021: €421k
2022: €676k
2023: €690k
2024: €693k
2018 → 2025
Total assets
€1.18M▼ 15.0%
2024 · €1.39M
2018: €106k
2019: €185k
2020: €368k
2021: €475k
2022: €1.03M
2023: €1.18M
2024: €1.39M
2018 → 2025
Net result
€44k▲ 20.6%
2024 · €37k
2018: €23k
2019: €34k
2020: €186k
2021: €176k
2022: €255k
2023: €14k
2024: €37k
2018 → 2025
Working capital
€461k▲ 11.7%
2024 · €412k
2018: €-48k
2019: €20k
2020: €121k
2021: €310k
2022: €446k
2023: €407k
2024: €412k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€421k-€676k▲ 60.4%€690k▲ 2.1%€693k▲ 0.5%€738k▲ 6.4%
Operating result€170k-€369k▲ 117%€23k▼ 93.7%€47k▲ 102%€52k▲ 12.2%
Net result€176k-€255k▲ 44.6%€14k▼ 94.5%€37k▲ 162%€44k▲ 20.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€616k▼ 4.4%
Current assets
€562k▼ 24.2%
Equity and liabilities €1.18M
Equity
€738k▲ 6.4%
Debt
€440k▼ 36.4%
The debt ratio falls from 49.9% to 37.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€81k▲
2024 · €75k
Cash flow
€73k▲
2024 · €65k
Solvency
62.6%▲
2024 · 50.1%
Current ratio
5.56▲
2024 · 2.25
Quick ratio
5.56▲
2024 · 2.25
Debt / equity
0.60▼
2024 · 1.00
ROE
6.0%▲
2024 · 5.3%
ROA
3.8%▲
2024 · 2.6%
Interest coverage
5.56▲
2024 · 4.84
Debt
€440k▼
2024 · €692k
Debt ≤ 1 year
€101k▼
2024 · €329k
Debt > 1 year
€338k▼
2024 · €362k
Income taxes
€13k▼
2024 · €15k
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€1.39M€1.18M▼
Fixed assets21/28€644k€616k▼
Intangible fixed assets21€10k€7k▼
Tangible fixed assets22/27€547k€522k▼
Land and buildings22€543k€520k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€451€81▼
Financial fixed assets28€88k€88k=
Current assets29/58€741k€562k▼
Amounts receivable within one year40/41€677k€550k▼
Trade receivables40€4k€48k▲
Other amounts receivable41€673k€502k▼
Cash at bank and in hand54/58€42k€8k▼
Deferred charges and accrued income490/1€22k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.18M▼
Equity10/15€693k€738k▲
Contributions10/11€19k€19k=
Reserves13€675k€719k▲
Distributable reserves133€675k€719k▲
Amounts payable17/49€692k€440k▼
Amounts payable after more than one year17€362k€338k▼
Financial debts170/4€362k€338k▼
Amounts payable within one year42/48€329k€101k▼
Current portion of amounts payable after more than one year42€24k€24k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€28k€34k▲
Taxes450/3€24k€19k▼
Remuneration and social security454/9€4k€15k▲
Other amounts payable47/48€274k€42k▼
Accrued charges and deferred income492/3€985€985=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€77k€84k▲
Operating profit (loss)9901€47k€52k▲
Financial income75/76B€21k€19k▼
Recurring financial income75€21k€19k▼
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€52k€57k▲
Income taxes67/77€15k€13k▼
Profit (loss) for the period9904€37k€44k▲
Profit (loss) for the period to be appropriated9905€37k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€44k▲
Transfer from equity791/2€33k-
Transfer to equity691/2€37k€44k▲
To other reserves6921€37k€44k▲
Profit to be distributed694/7€33k-
Return on contributions (dividend)694€33k-
The notes to these accounts (16 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 5.56
Current ratio from 2.25 to 5.56; short-term debt falls from €329k to €101k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
31-12
Financial
Weakest financial yearnet €14k ▼94.5%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €255k ▲44.6%
Operating result €369k, net result €255k, both a record.
31-12
Financial
Equity above €500kEq €676k ▲60.4%
5 profitable years in a row build equity to €676k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 6.71
Current ratio from 1.89 to 6.71; short-term debt falls from €135k to €54k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €233k ▲402%
3 profitable years in a row build equity to €233k.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 1.14
Current ratio from 0.49 to 1.14.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Temse · 1 establishment unit since 2018
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.
Winninglaan 139140 TemseGround area
1,024 m²
Building footprint
628 m²
Volume, LiDAR
3,469 m³
Parcel 46025B0383/00A002, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Winninglaan 13, 9140 Temse
since 20182.273.671.882
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0383/00A002 | Flanders | 1,024 m² | 1 · 628 m² | 6.5 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.
Similar companies · same sector, comparable size
IMMO DELTA PROJECTS
BE 0877.899.191
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Middelkerke · Eq €738k
LECOMTE L.R.J.
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D-consulT
BE 0887.915.333
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MERIT CONSULTING
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 4,311 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2018
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46130Agents in the wholesale of timber and building materials
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.