AM CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €109k and a net result of €52k. Its solvency ranks better than 67% of 2423 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
31 d early
2024
50 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€109k▲ 88.9%
2024 · €58k
2024: €58k
2024 → 2025
Net result
€52k▲ 7.4%
2024 · €48k
2024: €48k
2024 → 2025
Total assets
€159k▲ 85.6%
2024 · €86k
2024: €86k
2024 → 2025
Solvency
68.8%▲ 1.2pp
2024 · 67.6%
2024: 67.6%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€58k-€109k▲ 88.9%
Operating result€60k-€72k▲ 19.7%
Net result€48k-€52k▲ 7.4%
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 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159k
Fixed assets
€615▼ 41.2%
Current assets
€159k▲ 87.2%
Equity and liabilities €159k
Equity
€109k▲ 88.9%
Debt
€50k▲ 78.9%
The debt ratio falls from 32.4% to 31.2%. Equity and debt are higher.
Key figures and ratios
Solvency
68.8%▲
2024 · 67.6%
ROE
47.1%▼
2024 · 82.7%
ROA
32.4%▼
2024 · 56.0%
Debt
€50k▲
2024 · €28k
Debt ≤ 1 year
€49k▲
2024 · €28k
Income taxes
€20k▲
2024 · €12k
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€86k€159k▲
Fixed assets21/28€1k€615▼
Tangible fixed assets22/27€1k€615▼
Furniture and vehicles24€1k€615▼
Current assets29/58€85k€159k▲
Amounts receivable within one year40/41€12k€0▼
Trade receivables40€12k€0▼
Cash at bank and in hand54/58€73k€159k▲
Deferred charges and accrued income490/1€18€0▼
Equity and liabilities
Total equity and liabilities10/49€86k€159k▲
Equity10/15€58k€109k▲
Contributions10/11€10k€10k=
Reserves13€40k€92k▲
Distributable reserves133€40k€92k▲
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€28k€50k▲
Amounts payable within one year42/48€28k€49k▲
Trade debts44€108€954▲
Suppliers440/4€108€954▲
Taxes, remuneration and social security45€25k€46k▲
Taxes450/3€23k€44k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€66€227▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€247€431▲
Other operating charges640/8€488€117▼
Gross operating margin9900€61k€72k▲
Operating profit (loss)9901€60k€72k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B-€463
Recurring financial charges65-€463
Profit (loss) for the period before taxes9903€60k€71k▲
Income taxes67/77€12k€20k▲
Profit (loss) for the period9904€48k€52k▲
Profit (loss) for the period to be appropriated9905€48k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€59k▲
Profit (loss) brought forward from the previous period14P-€8k
Transfer to equity691/2€40k€52k▲
To the legal reserve6920€40k€0▼
To other reserves6921-€52k
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €109k ▲88.9%
2 profitable years in a row build equity to €109k.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Niklaas · 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.
Brandstraat 20A9100 Sint-NiklaasGround area
2,378 m²
Building footprint
161 m²
Volume, LiDAR
1,193 m³
Parcel 46442C1073/00H002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AM CONSULTING
since 20242.360.438.382
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C1073/00H002 | Flanders | 2,378 m² | 1 · 161 m² | 10.8 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
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Belgianbrain
BE 0500.956.795
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SYNAXONE
BE 1003.909.814
Welkenraedt · Eq €109k
B.A.L. CONSEILS
BE 0460.468.304
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ATLAS FINANCE
BE 0779.607.410
Halle · Eq €111k
Of 1,509 companies in sector 66199 we hold annual accounts for 918. 629 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2024
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.