AMAJ
ActiveAMAJ has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.66M and a net result of €64k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 72% of 3614 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-19
Solvency96▲+12
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 1.29 in 2024), and 47.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
52.2%
Return on assets
2%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
34 d early
2023
18 d early
2022
3 d early
2021
13 d late
2020
14 d late
2019
5 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.66M▲ 3.6%
2024 · €1.61M
2018: €995k
2019: €1.03M
2020: €1.06M
2021: €1.21M
2022: €1.32M
2023: €1.49M
2024: €1.61M
2018 → 2025
Total assets
€3.19M▲ 40.2%
2024 · €2.28M
2018: €2.25M
2019: €2.11M
2020: €1.93M
2021: €2.04M
2022: €1.98M
2023: €2.01M
2024: €2.28M
2018 → 2025
Net result
€64k▼ 47.9%
2024 · €123k
2018: €106k
2019: €36k
2020: €38k
2021: €161k
2022: €122k
2023: €169k
2024: €123k
2018 → 2025
Working capital
€452k▲ 385%
2024 · €93k
2018: €-436k
2019: €-509k
2020: €-305k
2021: €-202k
2022: €-81k
2023: €133k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.21M-€1.32M▲ 9.4%€1.49M▲ 12.6%€1.61M▲ 7.9%€1.66M▲ 3.6%
Operating result€209k-€188k▼ 9.9%€252k▲ 33.9%€201k▼ 20.4%€108k▼ 46.1%
Net result€161k-€122k▼ 24.2%€169k▲ 38.4%€123k▼ 27.5%€64k▼ 47.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 46% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.19M
Fixed assets
€2.38M▲ 28.4%
Current assets
€808k▲ 92.9%
Equity and liabilities €3.19M
Equity
€1.66M▲ 3.6%
Debt
€1.53M▲ 128%
The debt ratio rises from 29.4% to 47.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€300k▼
2024 · €365k
Cash flow
€256k▼
2024 · €287k
Solvency
52.2%▼
2024 · 70.6%
Current ratio
2.27▲
2024 · 1.29
Quick ratio
2.17▲
2024 · 1.21
Debt / equity
0.92▲
2024 · 0.42
ROE
3.8%▼
2024 · 7.6%
ROA
2.0%▼
2024 · 5.4%
Interest coverage
7.20▼
2024 · 15.59
Debt
€1.53M▲
2024 · €670k
Debt ≤ 1 year
€356k▲
2024 · €326k
Debt > 1 year
€1.17M▲
2024 · €344k
Income taxes
€10k▼
2024 · €63k
Staff costs
€635k▲
2024 · €561k
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€2.28M€3.19M▲
Fixed assets21/28€1.86M€2.38M▲
Intangible fixed assets21€938-
Tangible fixed assets22/27€1.86M€2.38M▲
Land and buildings22€1.76M€2.23M▲
Plant, machinery and equipment23€70k€86k▲
Furniture and vehicles24€28k€65k▲
Current assets29/58€419k€808k▲
Stocks and contracts in progress3€25k€36k▲
Stocks30/36€25k€36k▲
Amounts receivable within one year40/41€63k€89k▲
Trade receivables40€43k€46k▲
Other amounts receivable41€20k€43k▲
Cash at bank and in hand54/58€326k€226k▼
Deferred charges and accrued income490/1€5k€457k▲
Equity and liabilities
Total equity and liabilities10/49€2.28M€3.19M▲
Equity10/15€1.61M€1.66M▲
Contributions10/11€70k€70k=
Revaluation surpluses12€500k€500k=
Reserves13€1.04M€1.11M▲
Distributable reserves133€1.04M€1.11M▲
Profit (loss) carried forward14€-12k€-12k=
Investment grants15€6k€0▼
Amounts payable17/49€670k€1.53M▲
Amounts payable after more than one year17€344k€1.17M▲
Financial debts170/4€344k€1.17M▲
Amounts payable within one year42/48€326k€356k▲
Current portion of amounts payable after more than one year42€138k€174k▲
Trade debts44€71k€62k▼
Suppliers440/4€71k€62k▼
Taxes, remuneration and social security45€96k€96k▼
Taxes450/3€17k€0▼
Remuneration and social security454/9€79k€96k▲
Other amounts payable47/48€21k€25k▲
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€561k€635k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€165k€192k▲
Other operating charges640/8€29k€35k▲
Gross operating margin9900€955k€970k▲
Operating profit (loss)9901€201k€108k▼
Financial income75/76B€9k€7k▼
Recurring financial income75€9k€7k▼
Financial charges65/66B€23k€42k▲
Recurring financial charges65€23k€42k▲
Profit (loss) for the period before taxes9903€186k€74k▼
Income taxes67/77€63k€10k▼
Profit (loss) for the period9904€123k€64k▼
Profit (loss) for the period to be appropriated9905€123k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€110k€51k▼
Profit (loss) brought forward from the previous period14P€-12k€-12k=
Transfer to equity691/2€123k€64k▼
To other reserves6921€123k€64k▼
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)908714.016.5▲
The notes to these accounts (18 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €169k ▲38.4%
Operating result €252k, net result €169k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 13 days late
2021
14-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 14 days late
2020
26-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €36k ▼65.8%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €1MEq €1.03M ▲3.1%
2 profitable years in a row build equity to €1.03M.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 7 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kinrooi · 2 establishment units since 2004
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.
Maasstraat (Oph) 843640 KinrooiGround area
3,202 m²
Building footprint
980 m²
Volume, LiDAR
1,815 m³
2 parcels, Flanders · tallest building 14.4 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
De Spaenjerd
since 20042.143.656.943
De Maaskant
since 20122.222.186.163
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72026A0645/00G000 | Flanders | 2,109 m² | 1 · 690 m² | - |
| 72021B0419/00X000 | Flanders | 1,092 m² | 1 · 290 m² | 14.4 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 2,075 EUR awarded · 2,075 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 500 EUR | 500 EUR |
| 2022 | 1 | 1,575 EUR | 1,575 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
2 sitesKinrooi2.143.656.943
Maaseik2.222.186.163
Dual-learning approval
7 live approvalsHulpkelner (vwo)
Hulpkelner duaal (so)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Kok (vwo)
Kok duaal (so)
Show 1 more
Restaurant en keuken duaal (so)
Similar companies · same sector, comparable size
MAEKELHOEVE
BE 0467.050.050
Laakdal · Eq €1.66M
SALONS SAINT - GERMAIN
BE 0441.033.264
Diksmuide · Eq €1.66M
HOEVE DEWALLEFF
BE 0875.196.158
Riemst · Eq €1.66M
MARC NÜCHTERN CATERING SERVICE
BE 0861.977.335
Eupen · Eq €1.67M
DE VESTEN
BE 0453.856.070
Laakdal · Eq €1.67M
Of 20,231 companies in sector 56111 we hold annual accounts for 11,311. 2,704 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2004
Fiscal year end31-12
Activities, NACEBEL
55101Hotels
55301
56101Full-service restaurants
56111Full-service restaurants
55100Hotels and similar accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.