AM&ER
ActiveThe file of AM&ER contains 4 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
For AM&ER, at least two filing cycles of the annual accounts are missing. The computed 12-month bankruptcy probability is 3.3% (moderate). The 2023 annual accounts show equity of €55,974 and a net result of €13,168. Equity is growing by ~34.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 24612 sector peers (fiscal year 2023).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2021
Profitability63▼-19
Solvency52▼-32
Growth85=
Track record85
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals
Seven signals. The signal on the left, the evidence on the right.
+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
27.2%
Return on assets
6.4%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline01-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 11-09-2024, 42 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
42 d late
2021
60 d late
2020
234 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 112 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
On 16 September 2019, AM&ER was incorporated as a Private limited company.1 In 2026 the registered office moved to Mol.2 Maria Ewa GOLEBIEWSKA has served as director of the company since 2025.2 Revenue went from EUR 476,909 in 2020 to EUR 906,527 in 2023 and headcount from 0.1 to 1 full-time equivalents.3 The company was declared bankrupt on 5 June 2026.4
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Financials · fiscal year 2023, micro schema
Turnover
€906,527▲ 42.9%
2021 · €634,204
EBIT margin
3.8%▼ 2.7pp
2021 · 6.4%
Net result
€13,168▼ 54.4%
2021 · €28,863
Working capital
€52,091▲ 31.7%
2021 · €39,539
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202020212023
Turnover€476,909-€634,204▲ 33.0%€906,527-
Operating result€9,900-€40,777▲ 312%€34,142-
Net result€6,774within the sector's middle half-€28,863above the sector's middle half▲ 326%€13,168within the sector's middle half-
EBIT margin2.1%-6.4%▲ 4.4pp3.8%-
Equity€12,774within the sector's middle half-€41,636within the sector's middle half▲ 226%€55,974within the sector's middle half-
Total assets€45,651below the sector's middle half-€70,240within the sector's middle half▲ 53.9%€205,880within the sector's middle half-
Debt€32,877-€28,604▼ 13.0%€149,906-
Working capital€10,038within the sector's middle half-€39,539within the sector's middle half▲ 294%€52,091within the sector's middle half-
Solvency28.0%within the sector's middle half-59.3%within the sector's middle half▲ 31.3pp27.2%within the sector's middle half-
Current ratio1.31within the sector's middle half-2.38within the sector's middle half▲ 1.081.35within the sector's middle half-
Return on assets (ROA)14.8%above the sector's middle half-41.1%above the sector's middle half▲ 26.3pp6.4%within the sector's middle half-
Staff (FTE)0.1below the sector's middle half-0.9▲ 800%1-
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €34,142 in 2023, compared with €40,777 in 2021. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2023 in colour, 2021 as the grey bar beneath
Assets €205,880
Fixed assets
€3,883 ▲ 85.1%
Current assets
€201,997 ▲ 196%
Equity and liabilities €205,880
Equity
€55,974 ▲ 34.4%
Debt
€149,906 ▲ 424%
Debt's share of the balance-sheet total rises from 40.7% to 72.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35,606▼
2021 · €41,415
Cash flow
€14,633▼
2021 · €29,501
Quick ratio
0.83▼
2021 · 1.37
Debt to equity
2.68▲
2021 · 0.69
ROE
23.5%▼
2021 · 69.3%
Interest coverage
8.20▼
2021 · 19.24
Debt ≤ 1 year
€149,906▲
2021 · €28,604
Income taxes
€17,012▲
2021 · €9,761
Staff costs
€5,592▲
2021 · €4,813
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2023 | Change |
|---|---|---|---|---|
| Turnover70 | €476,909 | €634,204 | €906,527 | - |
| Goods, raw materials, services and sundry goods60/61 | - | €584,072 | €864,779 | - |
| Remuneration, social security and pensions62 | - | €4,813 | €5,592 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €454 | €638 | €1,464 | - |
| Other operating charges640/8 | - | €2,350 | €790 | - |
| Non-recurring operating charges66A | - | €3,000 | - | - |
| Gross operating margin9900 | €12,000 | €51,577 | €41,989 | - |
| Operating profit (loss)9901 | €9,900 | €40,777 | €34,142 | - |
| Financial income75/76B | - | - | €381 | - |
| Recurring financial income75 | - | - | €381 | - |
| Financial charges65/66B | - | €2,153 | €4,343 | - |
| Recurring financial charges65 | €961 | €2,153 | €4,343 | - |
| Profit (loss) for the period before taxes9903 | €8,939 | €38,624 | €30,180 | - |
| Income taxes67/77 | €2,165 | €9,761 | €17,012 | - |
| Profit (loss) for the period9904 | €6,774 | €28,863 | €13,168 | - |
| Profit (loss) for the period to be appropriated9905 | €6,774 | €28,863 | €13,168 | - |
| Line | 2020 | 2021 | 2023 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €45,651 | €70,240 | €205,880 | - |
| Fixed assets21/28 | €2,736 | €2,098 | €3,883 | - |
| Tangible fixed assets22/27 | €2,736 | €2,098 | €3,883 | - |
| Furniture and vehicles24 | - | €2,098 | €822 | - |
| Other tangible fixed assets26 | - | - | €3,061 | - |
| Current assets29/58 | €42,915 | €68,142 | €201,997 | - |
| Stocks and contracts in progress3 | €13,065 | €28,917 | €77,689 | - |
| Stocks30/36 | - | €28,917 | €77,689 | - |
| Amounts receivable within one year40/41 | €18,254 | €15,046 | €107,797 | - |
| Trade receivables40 | - | €15,000 | €104,918 | - |
| Other amounts receivable41 | - | €46 | €2,879 | - |
| Cash at bank and in hand54/58 | €11,596 | €24,179 | €16,511 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €45,651 | €70,240 | €205,880 | - |
| Equity10/15 | €12,774 | €41,636 | €55,974 | - |
| Contributions10/11 | - | €6,000 | €6,000 | - |
| Profit (loss) carried forward14 | €6,774 | €35,636 | €49,974 | - |
| Amounts payable17/49 | €32,877 | €28,604 | €149,906 | - |
| Amounts payable within one year42/48 | €32,877 | €28,604 | €149,906 | - |
| Trade debts44 | €6,245 | €10,894 | €140,608 | - |
| Suppliers440/4 | - | €10,894 | €140,608 | - |
| Taxes, remuneration and social security45 | - | €17,709 | €9,297 | - |
| Taxes450/3 | - | €14,771 | €6,454 | - |
| Remuneration and social security454/9 | - | €2,938 | €2,844 | - |
| Line | 2020 | 2021 | 2023 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,774 | €28,863 | €13,168 | - |
| + Depreciation and write-downs630 | €454 | €638 | €1,464 | - |
| Operating cash flow (approximation) | €7,228 | €29,501 | €14,633 | - |
| Investment in fixed assets (approximation) | - | €0 | - | - |
| Change in cash | - | €12,583 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
28-09
State Gazette act
Resignation: Mandeep KAUR (director)Appointment: Maria Ewa GOLEBIEWSKA (director) · Director discharge · Registered-office move5 facts ▸
State Gazette act
Resignation: Mandeep KAUR (director)
Appointment: Maria Ewa GOLEBIEWSKA (director) · Director discharge · Registered-office move5 facts ▸
- General meeting, 12-02-2025
- Director resignation, Mandeep KAUR (director)
- Director discharge, Mandeep KAUR (director)
- Director appointment, Maria Ewa GOLEBIEWSKA (director)
- Registered-office move, Statiestraat 60, 2400 Mol
06-07
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Turnhout · event 30-06-2026
10-06
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Turnhout · event 05-06-2026
2025
14-03
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Turnhout · event 11-03-2025
25-02
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Turnhout · event 18-02-2025
2024
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 234 days late
2021
31-12
Financial
Highest result since 2020net €28,863 ▲326%
Operating result €40,777, net result €28,863, both a record.
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2025
Maria Ewa GOLEBIEWSKA
CurrentDirector · since 12-02-2025
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Balen · 2 establishment units since 2019
Ground area
2,902 m²
Building footprint
274 m²
Volume, LiDAR
1,554 m³
3 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
AM&ER
since 20192.294.451.361
Royal Indian Food
since 20232.352.372.338
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003A1408/00X003 | Flanders | 2,149 m² | 1 · 111 m² | 9.9 m · 1 fl. |
| 13003D0329/00P000 | Flanders | 747 m² | 1 · 163 m² | 9.2 m · 2 fl. |
| 13434F0067/00A002 | Flanders | 6 m² | - | - |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2025, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Maria Ewa GOLEBIEWSKA |
|
| Mandeep KAUR |
|
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | CHRISTOPHE GEUKENS Lindestraat 2, 2490 Balen |
05-06-2026 → 30-06-2026 |
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
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Company details
Identification
Legal formPrivate limited company
Founded16-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
E-mail
ame420300@gmail.com
E-invoicing
Not found in the Peppol register
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Register as of 1 October 2026 · Peppol Directory
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