AMA-D
ActiveSummary
AMA-D has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €228,239 and a net result of €48,185. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 2028 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-2
Solvency71▲+12
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.63 in 2024; short-term debt: 17.1% and cash: 1.9% of total assets), and 54.1% of the assets are financed with debt.
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Signals
Four 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
45.9%
Return on assets
9.7%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
23 d early
2024
21 d early
2023
20 d early
← 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 21 days before the deadline; the sector median for financial year 2024 is 8 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.
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, abbreviated schema
Equity
€228,239▲ 26.8%
2024 · €180,053
Total assets
€497,754▼ 5.0%
2024 · €524,183
Net result
€48,185▼ 17.2%
2024 · €58,178
Working capital
-€51,694▼ 40.8%
2024 · -€36,721
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
Line202320242025
Operating result€164,147-€84,502▼ 48.5%€71,372▼ 15.5%
Net result€114,375-€58,178▼ 49.1%€48,185▼ 17.2%
Equity€121,875-€180,053▲ 47.7%€228,239▲ 26.8%
Total assets€459,541-€524,183▲ 14.1%€497,754▼ 5.0%
Debt€337,666-€344,129▲ 1.9%€269,516▼ 21.7%
Working capital-€47,491--€36,721▲ 22.7%-€51,694▼ 40.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €495,191
Fixed assets
€461,556 ▲ 0.7%
Current assets
€33,635 ▼ 45.3%
Equity and liabilities €497,754
Equity
€228,239 ▲ 26.8%
Debt
€269,516 ▼ 21.7%
Debt's share of the balance-sheet total falls from 65.7% to 54.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75,904▼
2024 · €92,159
Cash flow
€52,717▼
2024 · €65,835
Current ratio
0.39▼
2024 · 0.63
Debt to equity
1.18▼
2024 · 1.91
ROE
21.1%▼
2024 · 32.3%
ROA
9.7%▼
2024 · 11.1%
Interest coverage
12.85▼
2024 · 17.44
Debt ≤ 1 year
€85,329▼
2024 · €98,254
Debt > 1 year
€184,186▼
2024 · €245,876
Income taxes
€17,279▼
2024 · €21,041
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,224 | €7,657 | €4,531 | ▼ 40.8% |
| Other operating charges640/8 | €1,099 | €698 | €400 | ▼ 42.7% |
| Gross operating margin9900 | €177,470 | €92,856 | €76,303 | ▼ 17.8% |
| Operating profit (loss)9901 | €164,147 | €84,502 | €71,372 | ▼ 15.5% |
| Financial charges65/66B | €8,522 | €5,283 | €5,907 | ▲ 11.8% |
| Recurring financial charges65 | €8,522 | €5,283 | €5,907 | ▲ 11.8% |
| Profit (loss) for the period before taxes9903 | €155,625 | €79,219 | €65,465 | ▼ 17.4% |
| Income taxes67/77 | €41,250 | €21,041 | €17,279 | ▼ 17.9% |
| Profit (loss) for the period9904 | €114,375 | €58,178 | €48,185 | ▼ 17.2% |
| Profit (loss) for the period to be appropriated9905 | €114,375 | €58,178 | €48,185 | ▼ 17.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €459,541 | €524,183 | €497,754 | ▼ 5.0% |
| Formation expenses20 | €6,455 | €4,509 | €2,563 | ▼ 43.2% |
| Fixed assets21/28 | €383,586 | €458,141 | €461,556 | ▲ 0.7% |
| Tangible fixed assets22/27 | €8,183 | €2,472 | €5,887 | ▲ 138% |
| Plant, machinery and equipment23 | €642 | €194 | - | - |
| Furniture and vehicles24 | €7,541 | €2,278 | - | - |
| Other tangible fixed assets26 | - | - | €5,887 | - |
| Financial fixed assets28 | €375,403 | €455,669 | €455,669 | = |
| Current assets29/58 | €69,500 | €61,532 | €33,635 | ▼ 45.3% |
| Amounts receivable within one year40/41 | €54,450 | €58,400 | €24,200 | ▼ 58.6% |
| Trade receivables40 | €54,450 | €58,400 | €24,200 | ▼ 58.6% |
| Cash at bank and in hand54/58 | €13,793 | €2,211 | €9,435 | ▲ 327% |
| Deferred charges and accrued income490/1 | €1,257 | €921 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €459,541 | €524,183 | €497,754 | ▼ 5.0% |
| Equity10/15 | €121,875 | €180,053 | €228,239 | ▲ 26.8% |
| Contributions10/11 | €7,500 | €7,500 | €7,500 | = |
| Reserves13 | €114,375 | €172,553 | €220,739 | ▲ 27.9% |
| Distributable reserves133 | €114,375 | €172,553 | €220,739 | ▲ 27.9% |
| Amounts payable17/49 | €337,666 | €344,129 | €269,516 | ▼ 21.7% |
| Amounts payable after more than one year17 | €220,675 | €245,876 | €184,186 | ▼ 25.1% |
| Financial debts170/4 | €220,675 | €245,876 | €184,186 | ▼ 25.1% |
| Amounts payable within one year42/48 | €116,991 | €98,254 | €85,329 | ▼ 13.2% |
| Current portion of amounts payable after more than one year42 | €42,432 | €60,467 | €61,689 | ▲ 2.0% |
| Trade debts44 | €12,810 | €5,853 | €674 | ▼ 88.5% |
| Suppliers440/4 | €12,810 | €5,853 | €674 | ▼ 88.5% |
| Taxes, remuneration and social security45 | €49,249 | €31,934 | €22,966 | ▼ 28.1% |
| Taxes450/3 | €49,249 | €31,934 | €22,966 | ▼ 28.1% |
| Other amounts payable47/48 | €12,500 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €114,375 | €58,178 | €48,185 | ▼ 17.2% |
| + Depreciation and write-downs630 | €12,224 | €7,657 | €4,531 | ▼ 40.8% |
| Operating cash flow (approximation) | €126,599 | €65,835 | €52,717 | ▼ 19.9% |
| Investment in fixed assets (approximation) | - | -€82,212 | -€7,946 | ▲ 90.3% |
| Change in cash | - | -€11,582 | €7,224 | ▲ 162% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €48,185 ▼17.2%
Net result drops to €48,185, the lowest in the series.
31-12
Financial
Equity above €200,000Eq €228,239 ▲26.8%
3 profitable years in a row build equity to €228,239.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150,000Eq €180,053 ▲47.7%
2 profitable years in a row build equity to €180,053.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Kortrijk · 1 establishment unit since 2022
Ground area
210 m²
Building footprint
113 m²
Volume, LiDAR
994 m³
Parcel 34022E0072/00A008, Flanders · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AMA-D
since 20222.329.730.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E0072/00A008 | Flanders | 210 m² | 1 · 113 m² | 14.2 m · 3 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the 2025 annual accounts of AMA-D and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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ARCHITECTENVENNOOTSCHAP CALLEWAERT-CREUPELANT
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Of 18,252 companies in sector 71111 we hold annual accounts for 6,320. 4,989 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
Founded24-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
70200Business and other management consultancy
71112Activities of interior architects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0783780883
Also
9925:BE0783780883
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.