Am-bi
ActiveAm-bi has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €5k. Equity is growing by ~80.3% per year across the filed fiscal years. Its solvency ranks better than 27% of 7683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency15▲+7
Growth78=
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.09 in 2024), and 79.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
15 d early
2023
50 d early
2022
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▲ 79.5%
2024 · €6k
2022: €-8k
2023: €1k
2024: €6k
2022 → 2025
Total assets
€55k▲ 1.4%
2024 · €55k
2022: €54k
2023: €57k
2024: €55k
2022 → 2025
Net result
€5k▲ 2.5%
2024 · €5k
2022: €-10k
2023: €9k
2024: €5k
2022 → 2025
Working capital
€-20k▼ 7.8%
2024 · €-19k
2022: €-61k
2023: €-23k
2024: €-19k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-8k-€1k€6k▲ 346%€11k▲ 79.5%
Operating result€-10k-€10k€8k▼ 13.7%€9k▲ 3.8%
Net result€-10k-€9k€5k▼ 47.6%€5k▲ 2.5%
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 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€53k▼ 0.6%
Current assets
€3k▲ 60.4%
Equity and liabilities €55k
Equity
€11k▲ 79.5%
Debt
€44k▼ 8.9%
The debt ratio falls from 88.3% to 79.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€9k▲
2024 · €9k
Cash flow
€5k▲
2024 · €5k
Solvency
20.6%▲
2024 · 11.7%
Current ratio
0.12▲
2024 · 0.09
Quick ratio
0.12▲
2024 · 0.09
Debt / equity
3.84▼
2024 · 7.57
ROE
44.3%▼
2024 · 77.6%
ROA
9.1%▲
2024 · 9.0%
Interest coverage
4.27▼
2024 · 4.68
Debt
€44k▼
2024 · €48k
Debt ≤ 1 year
€23k▲
2024 · €20k
Debt > 1 year
€20k▼
2024 · €27k
Income taxes
€1k▼
2024 · €1k
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€55k€55k▲
Fixed assets21/28€53k€53k▼
Tangible fixed assets22/27€53k€53k▼
Land and buildings22€53k€53k▼
Current assets29/58€2k€3k▲
Amounts receivable within one year40/41€1k€2k▲
Trade receivables40€1k€2k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€0€10▲
Deferred charges and accrued income490/1€678€678▲
Equity and liabilities
Total equity and liabilities10/49€55k€55k▲
Equity10/15€6k€11k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€4k€9k▲
Amounts payable17/49€48k€44k▼
Amounts payable after more than one year17€27k€20k▼
Financial debts170/4€27k€20k▼
Amounts payable within one year42/48€20k€23k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€260€859▲
Suppliers440/4€260€859▲
Taxes, remuneration and social security45€1k€1k▼
Taxes450/3€1k€1k▼
Other amounts payable47/48€12k€14k▲
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€308€308=
Other operating charges640/8€470€690▲
Gross operating margin9900€9k€10k▲
Operating profit (loss)9901€8k€9k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€6k€6k▲
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€5k€5k▲
Profit (loss) for the period to be appropriated9905€5k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€9k▲
Profit (loss) brought forward from the previous period14P€-571€4k▲
The notes to these accounts (6 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Zandhoven · 1 establishment unit since 2021
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.
Veerstraat 642240 ZandhovenGround area
820 m²
Building footprint
171 m²
Volume, LiDAR
263 m³
Parcel 11046B0344/00S002, Flanders · tallest building 3.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Veerstraat 64, 2240 Zandhoven
since 20212.319.981.266
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11046B0344/00S002 | Flanders | 819 m² | 1 · 171 m² | 3.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 257 EUR awarded · 257 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 257 EUR | 257 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,174 companies in sector 82100 we hold annual accounts for 3,488. 1,888 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2021
Fiscal year end30-09
Activities, NACEBEL
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.