AM DESIGN & BUILD
ActiveThe computed 12-month bankruptcy probability of AM DESIGN & BUILD is 4.5% (elevated). The 2025 annual accounts show equity of €147k and a net result of €25k. Equity is growing by ~27.1% per year across the filed fiscal years. Its solvency ranks better than 39% of 7391 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+12
Solvency58=
Growth52=
Track record94
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity ample (current ratio 2.47 against 1.5 in 2024; short-term debt: 39.2% and cash: 6.9% of total assets), but 67.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · 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 →
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
32.9%
Return on assets
5.7%
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 22-08-2026, 22 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 · 4 filingsDeviation from the deadline
2025
22 d late
2024
31 d late
2023
82 d late
2022
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€147k▲ 20.8%
2024 · €122k
2022: €37k
2023: €107k
2024: €122k
2022 → 2025
Total assets
€448k▲ 22.8%
2024 · €365k
2022: €100k
2023: €206k
2024: €365k
2022 → 2025
Net result
€25k▲ 72.0%
2024 · €15k
2022: €32k
2023: €70k
2024: €15k
2022 → 2025
Working capital
€258k▲ 114%
2024 · €120k
2022: €59k
2023: €142k
2024: €120k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€37k-€107k▲ 191%€122k▲ 13.7%€147k▲ 20.8%
Operating result€41k-€90k▲ 121%€21k▼ 76.6%€40k▲ 90.6%
Net result€32k-€70k▲ 121%€15k▼ 79.1%€25k▲ 72.0%
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 91% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €448k
Fixed assets
€15k▲ 719%
Current assets
€433k▲ 19.3%
Equity and liabilities €448k
Equity
€147k▲ 20.8%
Debt
€300k▲ 23.8%
The debt ratio rises from 66.5% to 67.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k
Cash flow
€29k
Solvency
32.9%▼
2024 · 33.5%
Current ratio
2.47▲
2024 · 1.50
Quick ratio
2.09▲
2024 · 1.26
Debt / equity
2.04▲
2024 · 1.99
ROE
17.2%▲
2024 · 12.1%
ROA
5.7%▲
2024 · 4.0%
Interest coverage
4.15
Debt
€300k▲
2024 · €243k
Debt ≤ 1 year
€175k▼
2024 · €243k
Debt > 1 year
€125k
Income taxes
€4k▼
2024 · €6k
Staff costs
€90k▼
2024 · €93k
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€365k€448k▲
Fixed assets21/28€2k€15k▲
Intangible fixed assets21-€12k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Financial fixed assets28€2k€2k=
Current assets29/58€363k€433k▲
Stocks and contracts in progress3€58k€66k▲
Stocks30/36€58k€66k▲
Amounts receivable within one year40/41€214k€331k▲
Trade receivables40€70k€241k▲
Other amounts receivable41€143k€90k▼
Cash at bank and in hand54/58€67k€31k▼
Deferred charges and accrued income490/1€25k€5k▼
Equity and liabilities
Total equity and liabilities10/49€365k€448k▲
Equity10/15€122k€147k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€117k€142k▲
Amounts payable17/49€243k€300k▲
Amounts payable after more than one year17-€125k
Financial debts170/4-€125k
Amounts payable within one year42/48€243k€175k▼
Financial debts43€50k€3k▼
Credit institutions430/8€50k€3k▼
Trade debts44€124k€127k▲
Suppliers440/4€124k€127k▲
Taxes, remuneration and social security45€36k€45k▲
Taxes450/3€26k€30k▲
Remuneration and social security454/9€10k€15k▲
Other amounts payable47/48€32k€200▼
Income statement
Code20242025
Non-recurring operating income76A-€952
Remuneration, social security and pensions62€93k€90k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3k
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€8k
Gross operating margin9900€117k€146k▲
Operating profit (loss)9901€21k€40k▲
Financial income75/76B€3€71▲
Recurring financial income75€3€71▲
Financial charges65/66B€321€11k▲
Recurring financial charges65€321€11k▲
Profit (loss) for the period before taxes9903€21k€30k▲
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€15k€25k▲
Profit (loss) for the period to be appropriated9905€15k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€117k€142k▲
Profit (loss) brought forward from the previous period14P€102k€117k▲
The notes to these accounts (12 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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €15k ▼79.1%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 82 days late
2023
31-12
Financial
Highest result since 2022net €70k ▲121%
Operating result €90k, net result €70k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲191%
2 profitable years in a row build equity to €107k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Ukkel · 2 establishment units 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.
Groeselenbergstraat 2321180 UkkelGround area
312 m²
Building footprint
105 m²
Volume, LiDAR
1,488 m³
2 parcels, Brussels, Wallonia · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
AM DESIGN & BUILD
since 20212.325.839.274
AM DESIGN & BUILD
since 20232.349.169.457
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62059B0358/00R000 | Wallonia | 214 m² | 1 · 8 m² | 4.7 m · 1 fl. |
| 21618B0337/00R011 | Brussels | 97 m² | 1 · 97 m² | 16.9 m · 5 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.
Recognitions · licences · registrations
Recognised contractor
10 categoriesAM DESIGN & BUILD SRL42424
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,669 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.