AM Solutions
ActiveSummary
AM Solutions has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,600 and a net result of €6,135. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 27% of 17213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+81
Solvency55▼-14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.74 in 2024; short-term debt: 70% and cash: 53.7% of total assets), and 70% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
30%
Return on assets
9.9%
Age of the figures
9 mo
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 02-04-2026, 120 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
120 d early
2024
50 d early
2023
29 d early
2022
33 d early
2021
53 d early
2020
39 d early
2019
216 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 11 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€18,600▼ 38.3%
2024 · €30,122
Total assets
€61,990▼ 8.8%
2024 · €67,994
Net result
€6,135
2024 · -€10,236
Working capital
€17,680▼ 37.0%
2024 · €28,079
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,835▼ 73.1%€28,066▲ 218%€16,937▼ 39.7%-€8,928€10,930
Net result€4,872within the sector's middle half▼ 80.5%€19,528within the sector's middle half▲ 301%€11,160within the sector's middle half▼ 42.9%-€10,236below the sector's middle half€6,135within the sector's middle half
Equity€32,882within the sector's middle half▲ 17.4%€58,610within the sector's middle half▲ 78.2%€40,358within the sector's middle half▼ 31.1%€30,122within the sector's middle half▼ 25.4%€18,600below the sector's middle half▼ 38.3%
Total assets€45,762below the sector's middle half▼ 15.1%€71,715within the sector's middle half▲ 56.7%€78,312within the sector's middle half▲ 9.2%€67,994below the sector's middle half▼ 13.2%€61,990below the sector's middle half▼ 8.8%
Debt€12,880▼ 50.3%€13,105▲ 1.7%€37,954▲ 190%€37,872▼ 0.2%€43,390▲ 14.6%
Working capital€31,931within the sector's middle half▲ 14.8%€58,100within the sector's middle half▲ 82.0%€39,261within the sector's middle half▼ 32.4%€28,079within the sector's middle half▼ 28.5%€17,680within the sector's middle half▼ 37.0%
Solvency71.9%within the sector's middle half▲ 19.9pp81.7%above the sector's middle half▲ 9.9pp51.5%within the sector's middle half▼ 30.2pp44.3%within the sector's middle half▼ 7.2pp30.0%within the sector's middle half▼ 14.3pp
Current ratio3.48within the sector's middle half▲ 1.415.43above the sector's middle half▲ 1.952.04within the sector's middle half▼ 3.401.74within the sector's middle half▼ 0.291.41within the sector's middle half▼ 0.33
Return on assets (ROA)10.6%within the sector's middle half▼ 35.6pp27.2%within the sector's middle half▲ 16.6pp14.3%within the sector's middle half▼ 13.0pp-15.1%below the sector's middle half▼ 29.3pp9.9%within the sector's middle half▲ 25.0pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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 returns to profit in 2025: €10,930 after a loss of €8,928 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61,990
Fixed assets
€927 ▼ 55.3%
Current assets
€61,062 ▼ 7.4%
Equity and liabilities €61,990
Equity
€18,600 ▼ 38.3%
Debt
€43,390 ▲ 14.6%
Debt's share of the balance-sheet total rises from 55.7% to 70.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12,079▲
2024 · -€7,896
Cash flow
€7,284▲
2024 · -€9,205
Debt to equity
2.33▲
2024 · 1.26
ROE
33.0%▲
2024 · -34.0%
Interest coverage
7.06▲
2024 · -5.18
Debt ≤ 1 year
€43,383▲
2024 · €37,838
Income taxes
€3,283▲
2024 · €296
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €573 | €440 | €780 | €1,032 | €1,149 | ▲ 11.4% |
| Other operating charges640/8 | €2,742 | €1,033 | €672 | €3,320 | €1,493 | ▼ 55.0% |
| Gross operating margin9900 | €12,149 | €29,539 | €18,389 | -€4,575 | €13,572 | ▲ 397% |
| Operating profit (loss)9901 | €8,835 | €28,066 | €16,937 | -€8,928 | €10,930 | ▲ 222% |
| Financial income75/76B | - | €48 | €360 | €512 | €198 | ▼ 61.4% |
| Recurring financial income75 | - | €48 | €360 | €512 | €198 | ▼ 61.4% |
| Financial charges65/66B | €1,414 | €1,407 | €1,428 | €1,525 | €1,710 | ▲ 12.1% |
| Recurring financial charges65 | €1,414 | €1,407 | €1,428 | €1,525 | €1,710 | ▲ 12.1% |
| Profit (loss) for the period before taxes9903 | €7,421 | €26,708 | €15,869 | -€9,940 | €9,418 | ▲ 195% |
| Income taxes67/77 | €2,549 | €7,179 | €4,710 | €296 | €3,283 | ▲ 1,009% |
| Profit (loss) for the period9904 | €4,872 | €19,528 | €11,160 | -€10,236 | €6,135 | ▲ 160% |
| Profit (loss) for the period to be appropriated9905 | €4,872 | €19,528 | €11,160 | -€10,236 | €6,135 | ▲ 160% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €45,762 | €71,715 | €78,312 | €67,994 | €61,990 | ▼ 8.8% |
| Fixed assets21/28 | €951 | €510 | €1,134 | €2,077 | €927 | ▼ 55.3% |
| Tangible fixed assets22/27 | €951 | €510 | €1,134 | €2,077 | €927 | ▼ 55.3% |
| Furniture and vehicles24 | €951 | €510 | €1,134 | €2,077 | €927 | ▼ 55.3% |
| Current assets29/58 | €44,811 | €71,205 | €77,178 | €65,917 | €61,062 | ▼ 7.4% |
| Amounts receivable within one year40/41 | €14,199 | €18,502 | €19,624 | €19,271 | €26,521 | ▲ 37.6% |
| Trade receivables40 | €14,127 | €17,430 | €18,178 | €13,806 | €21,667 | ▲ 56.9% |
| Other amounts receivable41 | €73 | €1,072 | €1,447 | €5,465 | €4,854 | ▼ 11.2% |
| Cash at bank and in hand54/58 | €30,612 | €52,702 | €57,430 | €45,529 | €33,303 | ▼ 26.9% |
| Deferred charges and accrued income490/1 | - | - | €123 | €1,117 | €1,238 | ▲ 10.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €45,762 | €71,715 | €78,312 | €67,994 | €61,990 | ▼ 8.8% |
| Equity10/15 | €32,882 | €58,610 | €40,358 | €30,122 | €18,600 | ▼ 38.3% |
| Contributions10/11 | €12,400 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €20,482 | €40,010 | €21,758 | €11,522 | €0 | ▼ 100% |
| Amounts payable17/49 | €12,880 | €13,105 | €37,954 | €37,872 | €43,390 | ▲ 14.6% |
| Amounts payable within one year42/48 | €12,880 | €13,105 | €37,917 | €37,838 | €43,383 | ▲ 14.7% |
| Financial debts43 | €10 | €1,158 | €101 | €14 | €16 | ▲ 17.4% |
| Credit institutions430/8 | €10 | - | - | - | - | - |
| Other loans439 | - | €1,158 | €101 | €14 | €16 | ▲ 17.4% |
| Trade debts44 | €4,196 | €2,058 | €1,386 | €3,096 | €2,360 | ▼ 23.8% |
| Suppliers440/4 | €4,196 | €2,058 | €1,386 | €3,096 | €2,360 | ▼ 23.8% |
| Taxes, remuneration and social security45 | €8,487 | €9,438 | €6,134 | €8,162 | €9,360 | ▲ 14.7% |
| Taxes450/3 | €8,487 | €9,190 | €5,894 | €7,974 | €9,041 | ▲ 13.4% |
| Remuneration and social security454/9 | - | €249 | €240 | €188 | €320 | ▲ 70.4% |
| Other amounts payable47/48 | €186 | €451 | €30,295 | €26,567 | €31,646 | ▲ 19.1% |
| Accrued charges and deferred income492/3 | - | - | €37 | €34 | €7 | ▼ 78.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,872 | €19,528 | €11,160 | -€10,236 | €6,135 | ▲ 160% |
| + Depreciation and write-downs630 | €573 | €440 | €780 | €1,032 | €1,149 | ▲ 11.4% |
| Operating cash flow (approximation) | €5,445 | €19,969 | €11,940 | -€9,205 | €7,284 | ▲ 179% |
| Investment in fixed assets (approximation) | - | €0 | -€1,404 | -€1,975 | €0 | ▲ 100% |
| Change in cash | - | €22,091 | €4,728 | -€11,901 | -€12,226 | ▼ 2.7% |
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
Next filing, fiscal year 2026, expected by
2026
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €6,135
Net result €6,135 after one loss-making year.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€10,236
Net result drops to -€10,236, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
04-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 216 days late
2020
31-12
Financial
Back to profitnet €24,941
Net result €24,941 after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Nivelles · 1 establishment unit since 2018
Ground area
547 m²
Building footprint
181 m²
Volume, LiDAR
861 m³
2 parcels, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
17
companies at this address
See who is registered here
1 establishment unit
AM Solutions
since 20182.283.038.520
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0066/00F000 | Wallonia | 285 m² | 1 · 89 m² | 12.5 m · 3 fl. |
| 25072B0157/00X004 | Wallonia | 262 m² | 1 · 91 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 12,704 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0704757656
Also
9925:BE0704757656
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.