Amal
ActiveAmal has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €108k and a net result of €523. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 15866 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
86
/ 100
Excellent▼ -14 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability2▼-98
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 5.13 against 4.28 in 2023), and 19.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
35 d early
2022
62 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€108k▲ 0.5%
2023 · €107k
2022: €45k
2023: €107k
2022 → 2024
Total assets
€134k▼ 3.7%
2023 · €139k
2022: €148k
2023: €139k
2022 → 2024
Net result
€523▼ 99.2%
2023 · €62k
2022: €24k
2023: €62k
2022 → 2024
Working capital
€107k▲ 3.1%
2023 · €104k
2022: €39k
2023: €104k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€45k-€107k▲ 138%€108k▲ 0.5%
Operating result€34k-€87k▲ 154%€2k▼ 97.6%
Net result€24k-€62k▲ 164%€523▼ 99.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 98% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €134k
Fixed assets
€918▼ 74.6%
Current assets
€133k▼ 1.8%
Equity and liabilities €134k
Equity
€108k▲ 0.5%
Debt
€26k▼ 18.0%
The debt ratio falls from 22.7% to 19.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€5k▼
2023 · €90k
Cash flow
€3k▼
2023 · €65k
Solvency
80.6%▲
2023 · 77.3%
Current ratio
5.13▲
2023 · 4.28
Quick ratio
5.13▲
2023 · 4.28
Debt / equity
0.24▼
2023 · 0.29
ROE
0.5%▼
2023 · 57.9%
ROA
0.4%▼
2023 · 44.8%
Interest coverage
7.21▼
2023 · 199.45
Debt
€26k▼
2023 · €32k
Debt ≤ 1 year
€26k▼
2023 · €32k
Income taxes
€880▼
2023 · €24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€139k€134k▼
Fixed assets21/28€4k€918▼
Tangible fixed assets22/27€4k€918▼
Plant, machinery and equipment23€2k€918▼
Furniture and vehicles24€2k-
Current assets29/58€135k€133k▼
Amounts receivable within one year40/41€122k€123k▲
Trade receivables40€22k€13k▼
Other amounts receivable41€100k€109k▲
Cash at bank and in hand54/58€11k€8k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€139k€134k▼
Equity10/15€107k€108k▲
Contributions10/11€200€200=
Reserves13€106k€106k=
Tax-exempt reserves132€748€748=
Distributable reserves133€105k€105k=
Profit (loss) carried forward14€1k€2k▲
Amounts payable17/49€32k€26k▼
Amounts payable within one year42/48€32k€26k▼
Financial debts43€3k€3k▲
Credit institutions430/8€3k€3k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€19k€9k▼
Taxes450/3€17k€6k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€8k€10k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€132€306▲
Gross operating margin9900€90k€5k▼
Operating profit (loss)9901€87k€2k▼
Financial charges65/66B€449€660▲
Recurring financial charges65€449€660▲
Profit (loss) for the period before taxes9903€86k€1k▼
Income taxes67/77€24k€880▼
Profit (loss) for the period9904€62k€523▼
Profit (loss) for the period to be appropriated9905€62k€523▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€2k▼
Profit (loss) brought forward from the previous period14P€875€1k▲
Transfer to equity691/2€62k-
To other reserves6921€62k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €523 ▼99.2%
Net result drops to €523, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €62k ▲164%
Operating result €87k, net result €62k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.28
Current ratio from 1.38 to 4.28; short-term debt falls from €103k to €32k.
31-12
Financial
Equity above €100kEq €107k ▲138%
2 profitable years in a row build equity to €107k.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Lochristi · 1 establishment unit since 2010
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.
Kloefkensakker 109080 LochristiGround area
666 m²
Building footprint
100 m²
Parcel 44034C0580/00C015, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
LINTO & CO
since 20102.184.234.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0580/00C015 | Flanders | 666 m² | 1 · 100 m² | 0.1 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 · 1 entry · 900 EUR awarded · 596 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 900 EUR | 596 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
AMATEX
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BENELUX PROCESS
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WALNOC
BE 1001.361.880
Clavier · Eq €109k
DISTRIMAT
BE 0831.742.039
Laakdal · Eq €110k
DC Coldforming Solutions
BE 1012.967.238
Bilzen-Hoeselt · Eq €106k
Of 1,070 companies in sector 46140 we hold annual accounts for 640. 502 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2009
Fiscal year end31-12
Activities, NACEBEL
46140Agents in the wholesale of industrial machinery, ships and aircraft
46130Agents in the wholesale of timber and building materials
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.