AM-consult
ActiveAM-consult has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €37k. Its solvency ranks better than 55% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▲+4
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 2.04 in 2024; short-term debt: 35.6% and cash: 59.8% of total assets), and 35.6% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
64.4%
Return on assets
43%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 2 filingsDeviation from the deadline
2025
20 d late
2024
44 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▲ 188%
2024 · €19k
2024: €19k
2024 → 2025
Total assets
€85k▲ 170%
2024 · €31k
2024: €31k
2024 → 2025
Net result
€37k▲ 117%
2024 · €17k
2024: €17k
2024 → 2025
Working capital
€51k▲ 293%
2024 · €13k
2024: €13k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€19k-€55k▲ 188%
Operating result€25k-€50k▲ 105%
Net result€17k-€37k▲ 117%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 105% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€4k▼ 33.4%
Current assets
€81k▲ 220%
Equity and liabilities €85k
Equity
€55k▲ 188%
Debt
€30k▲ 144%
The debt ratio falls from 39.5% to 35.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €26k
Cash flow
€39k▲
2024 · €19k
Solvency
64.4%▲
2024 · 60.5%
Current ratio
2.67▲
2024 · 2.04
Quick ratio
2.67▲
2024 · 2.04
Debt / equity
0.55▼
2024 · 0.65
ROE
66.8%▼
2024 · 88.6%
ROA
43.0%▼
2024 · 53.6%
Interest coverage
12.89▲
2024 · 8.76
Debt
€30k▲
2024 · €12k
Debt ≤ 1 year
€30k▲
2024 · €12k
Income taxes
€10k▲
2024 · €6k
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€31k€85k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€6k€4k▼
Financial fixed assets28-€159
Current assets29/58€25k€81k▲
Amounts receivable within one year40/41€15k€28k▲
Trade receivables40€13k€23k▲
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€10k€51k▲
Deferred charges and accrued income490/1€204€2k▲
Equity and liabilities
Total equity and liabilities10/49€31k€85k▲
Equity10/15€19k€55k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€16k€52k▲
Amounts payable17/49€12k€30k▲
Amounts payable within one year42/48€12k€30k▲
Trade debts44€1k€7k▲
Suppliers440/4€1k€7k▲
Taxes, remuneration and social security45€11k€23k▲
Taxes450/3€11k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€473€407▼
Gross operating margin9900€27k€53k▲
Operating profit (loss)9901€25k€50k▲
Financial income75/76B€906€267▼
Recurring financial income75€906€267▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€22k€47k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€17k€37k▲
Profit (loss) for the period to be appropriated9905€17k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€52k▲
Profit (loss) brought forward from the previous period14P-€16k
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
The notes to these accounts (8 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
3 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, Houthalen-Helchteren · 1 establishment unit since 2024
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.
Groenstraat 543530 Houthalen-HelchterenGround area
321 m²
Building footprint
182 m²
Parcel 72452E0303/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
AM-consult
since 20242.358.459.087
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72452E0303/00F000 | Flanders | 321 m² | 1 · 182 m² | - |
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.
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PANG
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PC Consulting
BE 1006.390.935
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STRAGITTUS
BE 0474.034.545
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ANMAKIDA
BE 0731.581.522
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WEBVIZI
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 15,371 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2024
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62030Computer programming, consultancy and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.