AMAL
ActiveSummary
The computed 12-month bankruptcy probability of AMAL is 5.8% (elevated). The 2025 annual accounts show negative equity (-€12,052) and a net result of -€4,398. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 13560 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
5.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Six 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€12,052
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
59 d late
2023
61 d late
2022
32 d late
2021
31 d late
2020
61 d late
2019
285 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 80 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% 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
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator 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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Financials · fiscal year 2025, micro schema
Equity
-€12,052▼ 57.5%
2024 · -€7,654
Total assets
€553▼ 52.8%
2024 · €1,172
Net result
-€4,398▲ 8.9%
2024 · -€4,830
Working capital
-€12,052▼ 57.5%
2024 · -€7,654
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€3,972▲ 573%-€5,216€4-€4,757-€4,275▲ 10.1%
Net result€3,927▲ 992%-€5,268-€64▲ 98.8%-€4,830▼ 7,473%-€4,398▲ 8.9%
Equity€2,507-€2,761-€2,825▼ 2.3%-€7,654▼ 171%-€12,052▼ 57.5%
Total assets€6,820▲ 88.7%€9,880▲ 44.9%€7,034▼ 28.8%€1,172▼ 83.3%€553▼ 52.8%
Debt€4,313▼ 14.3%€12,641▲ 193%€9,859▼ 22.0%€8,827▼ 10.5%€12,605▲ 42.8%
Working capital€2,406-€2,862-€2,926▼ 2.2%-€7,654▼ 162%-€12,052▼ 57.5%
Staff (FTE)1▲ 25.0%1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4,275 in 2025 against €4,757 in 2024; the loss shrinks.
Key figures and ratios
Debt ≤ 1 year
€12,605▲
2024 · €8,827
Staff costs
€131▲
2024 · -€115
Ratios withheld: a balance sheet total of €553 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,640 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.9%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 5.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 6,640 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €7,566 | €22,100 | €115 | -€115 | €131 | ▲ 214% |
| Other operating charges640/8 | €2,499 | €1,147 | €1,229 | €1,281 | €1,848 | ▲ 44.2% |
| Gross operating margin9900 | €14,038 | €18,031 | €1,348 | -€3,591 | -€2,296 | ▲ 36.1% |
| Operating profit (loss)9901 | €3,972 | -€5,216 | €4 | -€4,757 | -€4,275 | ▲ 10.1% |
| Financial charges65/66B | €45 | €52 | €68 | €72 | €123 | ▲ 70.3% |
| Recurring financial charges65 | €45 | €52 | €68 | €72 | €123 | ▲ 70.3% |
| Profit (loss) for the period before taxes9903 | €3,927 | -€5,268 | -€64 | -€4,830 | -€4,398 | ▲ 8.9% |
| Profit (loss) for the period9904 | €3,927 | -€5,268 | -€64 | -€4,830 | -€4,398 | ▲ 8.9% |
| Profit (loss) for the period to be appropriated9905 | €3,927 | -€5,268 | -€64 | -€4,830 | -€4,398 | ▲ 8.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6,820 | €9,880 | €7,034 | €1,172 | €553 | ▼ 52.8% |
| Fixed assets21/28 | €101 | €101 | €101 | - | - | - |
| Financial fixed assets28 | €101 | €101 | €101 | - | - | - |
| Current assets29/58 | €6,719 | €9,778 | €6,933 | €1,172 | €553 | ▼ 52.8% |
| Stocks and contracts in progress3 | €470 | €480 | €520 | €520 | - | - |
| Stocks30/36 | €470 | €480 | €520 | €520 | - | - |
| Amounts receivable within one year40/41 | €5,698 | €8,425 | €6,062 | - | - | - |
| Other amounts receivable41 | €5,698 | €8,425 | €6,062 | - | - | - |
| Cash at bank and in hand54/58 | €327 | €106 | €126 | €129 | €29 | ▼ 77.2% |
| Deferred charges and accrued income490/1 | €224 | €766 | €224 | €524 | €524 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6,820 | €9,880 | €7,034 | €1,172 | €553 | ▼ 52.8% |
| Equity10/15 | €2,507 | -€2,761 | -€2,825 | -€7,654 | -€12,052 | ▼ 57.5% |
| Contributions10/11 | €12,200 | €12,200 | €12,200 | €12,200 | €12,200 | = |
| Profit (loss) carried forward14 | -€9,693 | -€14,961 | -€15,025 | -€19,854 | -€24,252 | ▼ 22.1% |
| Amounts payable17/49 | €4,313 | €12,641 | €9,859 | €8,827 | €12,605 | ▲ 42.8% |
| Amounts payable within one year42/48 | €4,313 | €12,641 | €9,859 | €8,827 | €12,605 | ▲ 42.8% |
| Trade debts44 | €2,596 | €5,064 | €2,188 | €3,352 | €4,634 | ▲ 38.3% |
| Suppliers440/4 | €2,596 | €5,064 | €2,188 | €3,352 | €4,634 | ▲ 38.3% |
| Taxes, remuneration and social security45 | €1,717 | €7,576 | €7,671 | €5,091 | - | - |
| Taxes450/3 | €825 | €5,671 | €7,360 | €5,091 | - | - |
| Remuneration and social security454/9 | €892 | €1,905 | €311 | - | - | - |
| Other amounts payable47/48 | - | - | - | €384 | €7,971 | ▲ 1,975% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,927 | -€5,268 | -€64 | -€4,830 | -€4,398 | ▲ 8.9% |
| Operating cash flow (approximation) | €3,927 | -€5,268 | -€64 | -€4,830 | -€4,398 | ▲ 8.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | -€220 | €20 | €2 | -€99 | ▼ 4,377% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet -€5,268
Net result drops to -€5,268, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €3,927 ▲992%
Operating result €3,972, net result €3,927, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.56
Current ratio from 0.70 to 1.56; short-term debt falls from €5,034 to €4,313.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 285 days late
2019
31-12
Financial
Back to profitnet €865
Net result €865 after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 59 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Schaarbeek · 1 establishment unit since 2006
Ground area
229 m²
Building footprint
116 m²
Volume, LiDAR
1,591 m³
Parcel 21910E0100/02R003, Brussels · tallest building 22.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
café EL AMAL
since 20062.151.964.103
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0100/02R003 | Brussels | 229 m² | 1 · 116 m² | 22.8 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.151.964.103
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2003 ZM
BE 0799.831.415
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FSG
BE 0693.949.678
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Of 14,005 companies in sector 56301 we hold annual accounts for 4,893. 1,995 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
Founded16-02-2006
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0879426447
Also
9925:BE0879426447
Registered
14-04-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.