Summary
Am4 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 €277,883 and a net result of €130,305. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 8074 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 27-03-2026, 126 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
126 d early
2024
27 d late
2023
34 d early
2022
3 d early
2021
20 d early
2020
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 28 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€277,883=
2024 · €277,883
Net result
€130,305▲ 131%
2024 · €56,293
Total assets
€440,994▼ 22.5%
2024 · €569,056
Solvency
63.0%▲ 14.2pp
2024 · 48.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€79,564▼ 2.0%€72,217▼ 9.2%€332,437▲ 360%€84,331▼ 74.6%€182,169▲ 116%
Net result€60,403▼ 4.2%€53,962▼ 10.7%€248,180▲ 360%€56,293▼ 77.3%€130,305▲ 131%
Equity€128,447▲ 88.8%€182,409▲ 42.0%€221,590▲ 21.5%€277,883▲ 25.4%€277,883=
Total assets€195,812▲ 49.8%€267,874▲ 36.8%€521,764▲ 94.8%€569,056▲ 9.1%€440,994▼ 22.5%
Debt€67,364▲ 7.5%€85,465▲ 26.9%€300,175▲ 251%€291,173▼ 3.0%€163,111▼ 44.0%
Working capital€107,674▲ 184%€169,534▲ 57.5%€217,274▲ 28.2%€287,442▲ 32.3%€289,177▲ 0.6%
Solvency65.6%▲ 13.5pp68.1%▲ 2.5pp42.5%▼ 25.6pp48.8%▲ 6.4pp63.0%▲ 14.2pp
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2024 Net result -77% on 2023. Cause not known from the registers.
- 2023 Net result +360%, Total assets +95% on 2022. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 116% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €440,994
Fixed assets
€538 ▼ 40.0%
Current assets
€440,456 ▼ 22.5%
Equity and liabilities €440,994
Equity
€277,883 =
Debt
€163,111 ▼ 44.0%
Debt's share of the balance-sheet total falls from 51.2% to 37.0%. Debt is lower.
Key figures and ratios
ROE
46.9%▲
2024 · 20.3%
ROA
29.5%▲
2024 · 9.9%
Debt ≤ 1 year
€151,279▼
2024 · €280,718
Income taxes
€40,924▲
2024 · €17,423
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,845 | €7,845 | €7,845 | €6,843 | €358 | ▼ 94.8% |
| Other operating charges640/8 | €852 | €998 | €1,093 | €1,260 | €1,386 | ▲ 10.0% |
| Gross operating margin9900 | €88,261 | €81,060 | €341,374 | €92,434 | €183,913 | ▲ 99.0% |
| Operating profit (loss)9901 | €79,564 | €72,217 | €332,437 | €84,331 | €182,169 | ▲ 116% |
| Financial income75/76B | €9 | €0 | - | €0 | €1,368 | ▲ 6,841,650% |
| Recurring financial income75 | €9 | €0 | - | €0 | €1,368 | ▲ 6,841,650% |
| Financial charges65/66B | €1,985 | €1,988 | €2,446 | €10,615 | €12,307 | ▲ 15.9% |
| Recurring financial charges65 | €1,985 | €1,988 | €2,446 | €10,615 | €12,307 | ▲ 15.9% |
| Profit (loss) for the period before taxes9903 | €77,589 | €70,229 | €329,991 | €73,716 | €171,230 | ▲ 132% |
| Income taxes67/77 | €17,186 | €16,267 | €81,811 | €17,423 | €40,924 | ▲ 135% |
| Profit (loss) for the period9904 | €60,403 | €53,962 | €248,180 | €56,293 | €130,305 | ▲ 131% |
| Profit (loss) for the period to be appropriated9905 | €60,403 | €53,962 | €248,180 | €56,293 | €130,305 | ▲ 131% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €195,812 | €267,874 | €521,764 | €569,056 | €440,994 | ▼ 22.5% |
| Fixed assets21/28 | €22,297 | €14,453 | €6,608 | €895 | €538 | ▼ 40.0% |
| Tangible fixed assets22/27 | €22,287 | €14,443 | €6,598 | €885 | €528 | ▼ 40.4% |
| Furniture and vehicles24 | €22,287 | €14,443 | €6,598 | €885 | €528 | ▼ 40.4% |
| Financial fixed assets28 | €10 | €10 | €10 | €10 | €10 | = |
| Current assets29/58 | €173,515 | €253,422 | €515,156 | €568,160 | €440,456 | ▼ 22.5% |
| Amounts receivable within one year40/41 | €16,552 | €51,841 | €19,410 | €78,674 | €316,619 | ▲ 302% |
| Trade receivables40 | €16,552 | €51,542 | €19,221 | €60,242 | €27,140 | ▼ 54.9% |
| Other amounts receivable41 | - | €299 | €189 | €18,432 | €289,480 | ▲ 1,470% |
| Cash at bank and in hand54/58 | €154,586 | €199,009 | €493,078 | €485,669 | €120,321 | ▼ 75.2% |
| Deferred charges and accrued income490/1 | €2,376 | €2,572 | €2,668 | €3,817 | €3,516 | ▼ 7.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €195,812 | €267,874 | €521,764 | €569,056 | €440,994 | ▼ 22.5% |
| Equity10/15 | €128,447 | €182,409 | €221,590 | €277,883 | €277,883 | = |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €123,447 | €177,409 | €216,590 | €272,883 | €272,883 | = |
| Distributable reserves133 | €123,447 | €177,409 | €216,590 | €272,883 | €272,883 | = |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €67,364 | €85,465 | €300,175 | €291,173 | €163,111 | ▼ 44.0% |
| Amounts payable within one year42/48 | €65,841 | €83,887 | €297,882 | €280,718 | €151,279 | ▼ 46.1% |
| Trade debts44 | €1,140 | €1,722 | €1,262 | €36,081 | €4,592 | ▼ 87.3% |
| Suppliers440/4 | €1,140 | €1,722 | €1,262 | €36,081 | €4,592 | ▼ 87.3% |
| Taxes, remuneration and social security45 | €26,590 | €42,749 | €46,577 | €24,937 | €16,381 | ▼ 34.3% |
| Taxes450/3 | €26,590 | €42,749 | €46,577 | €24,937 | €16,381 | ▼ 34.3% |
| Other amounts payable47/48 | €38,111 | €39,416 | €250,044 | €219,700 | €130,305 | ▼ 40.7% |
| Accrued charges and deferred income492/3 | €1,524 | €1,577 | €2,292 | €10,455 | €11,832 | ▲ 13.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €60,403 | €53,962 | €248,180 | €56,293 | €130,305 | ▲ 131% |
| + Depreciation and write-downs630 | €7,845 | €7,845 | €7,845 | €6,843 | €358 | ▼ 94.8% |
| Operating cash flow (approximation) | €68,248 | €61,806 | €256,025 | €63,136 | €130,663 | ▲ 107% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,130 | €0 | ▲ 100% |
| Change in cash | - | €44,423 | €294,069 | -€7,409 | -€365,348 | ▼ 4,831% |
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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €248,180 ▲360%
Operating result €332,437, net result €248,180, both a record.
31-12
Financial
Equity above €200,000Eq €221,590 ▲21.5%
4 profitable years in a row build equity to €221,590.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €53,962 ▼10.7%
Net result drops to €53,962, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150,000Eq €182,409 ▲42%
3 profitable years in a row build equity to €182,409.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €128,447 ▲88.8%
2 profitable years in a row build equity to €128,447.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Kruisem · 1 establishment unit since 2019
Ground area
1,648 m²
Building footprint
211 m²
Volume, LiDAR
1,373 m³
Parcel 45031A0127/00V002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Am4
since 20192.295.313.176
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45031A0127/00V002 | Flanders | 1,648 m² | 1 · 211 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,731 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
Founded04-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0737366086
Also
9925:BE0737366086
Registered
20-03-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.