AMARRAGE
ActiveSummary
AMARRAGE has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €279,764 and a net result of -€68,794. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 20% of 692 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability16=
Solvency34▼-3
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.68 in 2023; short-term debt: 57.2% and cash: 37.2% of total assets), but 90.8% of the assets are financed with debt.
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Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Residential care activities (NACE 87)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
9.2%
Return on assets
-2.3%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€68,794
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 692 sector peers (2024).
NBB · sector comparisonPosition among 692 sector peers
Solvency
better than 20%
← weakest
strongest →
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 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
35 d early
2023
41 d early
2022
28 d early
2021
26 d early
2020
37 d early
2019
43 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 23 days before the deadline; the sector median for financial year 2024 is 27 days before the deadline, and 25% 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. Usually files around 26 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 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 check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check 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 What other support did companies like this one receive, and it did not?Public money
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Financials · fiscal year 2024, full schema
In the rankings
#5 oldest company in Ottignies-Louvain-la-Neuve, Health and social work sector#8 employer in Walloon Brabant, Residential care sector#10 company by total assets in Ottignies-Louvain-la-Neuve, Health and social work sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€68,794▲ 6.8%
2023 · -€73,821
Working capital
€1.2m▲ 0.6%
2023 · €1.2m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 87, Residential care activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€310,326€349,130▲ 12.5%€13,733▼ 96.1%-€72,466-€67,833▲ 6.4%
Net result€316,930within the sector's middle half€349,499above the sector's middle half▲ 10.3%€8,643within the sector's middle half▼ 97.5%-€73,821below the sector's middle half-€68,794below the sector's middle half▲ 6.8%
Equity€362,945below the sector's middle half▲ 20.4%€310,555within the sector's middle half▼ 14.4%€422,379within the sector's middle half▲ 36.0%€348,558within the sector's middle half▼ 17.5%€279,764within the sector's middle half▼ 19.7%
Total assets€2.8mwithin the sector's middle half▲ 34.0%€3.0mabove the sector's middle half▲ 7.9%€3.0mabove the sector's middle half▲ 0.5%€3.0mwithin the sector's middle half▼ 0.2%€3.0mwithin the sector's middle half▲ 0.6%
Debt€2.4m▲ 36.3%€2.7m▲ 11.2%€2.6m▼ 3.6%€2.7m▲ 2.7%€2.8m▲ 3.3%
Working capital€1.2mwithin the sector's middle half▲ 61.2%€1.4mabove the sector's middle half▲ 12.7%€986,658above the sector's middle half▼ 28.5%€1.2mabove the sector's middle half▲ 21.1%€1.2mabove the sector's middle half▲ 0.6%
Solvency13.0%below the sector's middle half▼ 1.5pp10.3%below the sector's middle half▼ 2.7pp14.0%within the sector's middle half▲ 3.6pp11.6%below the sector's middle half▼ 2.4pp9.2%below the sector's middle half▼ 2.3pp
Current ratio1.83within the sector's middle half▲ 0.231.89within the sector's middle half▲ 0.061.50within the sector's middle half▼ 0.391.68within the sector's middle half▲ 0.181.69within the sector's middle half▲ 0.01
Return on assets (ROA)11.4%above the sector's middle half▲ 13.1pp11.6%above the sector's middle half▲ 0.3pp0.3%within the sector's middle half▼ 11.3pp-2.4%below the sector's middle half▼ 2.7pp-2.3%within the sector's middle half▲ 0.2pp
Staff (FTE)56.9within the sector's middle half▼ 1.4%61.1▲ 7.4%66.4▲ 8.7%66.5above the sector's middle half▲ 0.2%68.6above the sector's middle half▲ 3.2%
above
within
below
the middle half (P25 to P75) of NACE 87, Residential care activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €67,833 in 2024 against €72,466 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.0m
Fixed assets
€96,228 ▲ 66.3%
Current assets
€2.9m ▼ 0.7%
Equity and liabilities €3.0m
Equity
€279,764 ▼ 19.7%
Debt
€2.8m ▲ 3.3%
Debt's share of the balance-sheet total rises from 88.4% to 90.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€41,980▲
2023 · -€57,356
Cash flow
-€42,941▲
2023 · -€58,710
Debt to equity
9.85▲
2023 · 7.65
ROE
-24.6%▼
2023 · -21.2%
Interest coverage
-14.05▲
2023 · -24.38
Debt ≤ 1 year
€1.7m▼
2023 · €1.8m
Income taxes
€868▲
2023 · €414
Staff costs
€5.0m▲
2023 · €4.5m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 140 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 96% are still going.
- Medium-sized
- 20 years or older
- solvency under 10%
- a small loss
2.1%
went bankrupt
1.4%
stopped otherwise
96%
still going
For this company itself Checked computes a lower bankruptcy probability: < 0.1% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 140 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €50 | €13,750 | €30,001 | ▲ 118% |
| Remuneration, social security and pensions62 | - | €3.5m | €4.1m | €4.5m | €5.0m | ▲ 11.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,442 | €22,136 | €16,252 | €15,110 | €25,853 | ▲ 71.1% |
| Other operating charges640/8 | - | €5,552 | €3,547 | €6,434 | €5,181 | ▼ 19.5% |
| Non-recurring operating charges66A | - | - | - | €5,973 | €2,021 | ▼ 66.2% |
| Gross operating margin9900 | - | €3.9m | €4.2m | €4.4m | €4.9m | ▲ 11.5% |
| Operating profit (loss)9901 | €310,326 | €349,130 | €13,733 | -€72,466 | -€67,833 | ▲ 6.4% |
| Financial income75/76B | - | €6,989 | €0 | €1,412 | €2,893 | ▲ 105% |
| Recurring financial income75 | €11,157 | €6,989 | €0 | €1,412 | €2,893 | ▲ 105% |
| Non-recurring financial income76B | - | €6,989 | - | - | - | - |
| Financial charges65/66B | - | €6,620 | €5,090 | €2,353 | €2,987 | ▲ 27.0% |
| Recurring financial charges65 | €4,553 | €6,620 | €5,090 | €2,353 | €2,987 | ▲ 27.0% |
| Debt charges650 | €4,553 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €316,930 | €349,499 | €8,643 | -€73,407 | -€67,926 | ▲ 7.5% |
| Income taxes67/77 | - | - | - | €414 | €868 | ▲ 110% |
| Profit (loss) for the period9904 | €316,930 | €349,499 | €8,643 | -€73,821 | -€68,794 | ▲ 6.8% |
| Profit (loss) for the period to be appropriated9905 | €316,930 | €349,499 | €8,643 | -€73,821 | -€68,794 | ▲ 6.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.8m | €3.0m | €3.0m | €3.0m | €3.0m | ▲ 0.6% |
| Fixed assets21/28 | €88,363 | €81,083 | €68,416 | €57,863 | €96,228 | ▲ 66.3% |
| Tangible fixed assets22/27 | €81,555 | €74,016 | €57,764 | €47,511 | €88,262 | ▲ 85.8% |
| Plant, machinery and equipment23 | - | €4,702 | €1,543 | €1,050 | €31,803 | ▲ 2,930% |
| Furniture and vehicles24 | - | €15,155 | €10,807 | €9,159 | €5,643 | ▼ 38.4% |
| Other tangible fixed assets26 | - | €54,158 | €45,414 | €37,302 | €50,817 | ▲ 36.2% |
| Financial fixed assets28 | €6,808 | €7,068 | €10,653 | €10,353 | €7,966 | ▼ 23.1% |
| Current assets29/58 | €2.7m | €2.9m | €3.0m | €3.0m | €2.9m | ▼ 0.7% |
| Stocks and contracts in progress3 | - | - | €11 | - | - | - |
| Stocks30/36 | - | - | €11 | - | - | - |
| Amounts receivable within one year40/41 | €807,986 | €913,619 | €1.2m | €1.1m | €1.2m | ▲ 7.9% |
| Trade receivables40 | - | €774,977 | €985,164 | €906,760 | €937,753 | ▲ 3.4% |
| Other amounts receivable41 | - | €138,642 | €256,130 | €188,346 | €243,802 | ▲ 29.4% |
| Current investments50/53 | €401,534 | €401,534 | €401,534 | €402,499 | €604,524 | ▲ 50.2% |
| Cash at bank and in hand54/58 | €1.5m | €1.6m | €1.3m | €1.4m | €1.1m | ▼ 21.8% |
| Deferred charges and accrued income490/1 | - | €13,097 | €27,910 | €17,673 | €23,761 | ▲ 34.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.8m | €3.0m | €3.0m | €3.0m | €3.0m | ▲ 0.6% |
| Equity10/15 | €362,945 | €310,555 | €422,379 | €348,558 | €279,764 | ▼ 19.7% |
| Contributions10/11 | - | - | €224,102 | €224,102 | €224,102 | = |
| Capital10 | - | - | €224,102 | €224,102 | €224,102 | = |
| Profit (loss) carried forward14 | €138,843 | €86,453 | €198,277 | €124,456 | €55,662 | ▼ 55.3% |
| Amounts payable17/49 | €2.4m | €2.7m | €2.6m | €2.7m | €2.8m | ▲ 3.3% |
| Amounts payable after more than one year17 | €200,000 | - | - | - | - | - |
| Amounts payable within one year42/48 | €1.5m | €1.5m | €2.0m | €1.8m | €1.7m | ▼ 1.5% |
| Current portion of amounts payable after more than one year42 | - | €594,598 | €921,132 | €930,705 | €886,351 | ▼ 4.8% |
| Trade debts44 | €11,349 | €29,416 | €32,422 | €10,247 | €15,309 | ▲ 49.4% |
| Suppliers440/4 | - | €29,416 | €32,422 | €10,247 | €15,309 | ▲ 49.4% |
| Taxes, remuneration and social security45 | - | €611,632 | €702,458 | €596,496 | €805,251 | ▲ 35.0% |
| Taxes450/3 | - | €86,551 | €110,031 | €66,124 | €56,158 | ▼ 15.1% |
| Remuneration and social security454/9 | - | €525,081 | €592,427 | €530,372 | €749,093 | ▲ 41.2% |
| Accrued charges and deferred income492/3 | - | €1.1m | €632,696 | €904,169 | €1.0m | ▲ 12.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €316,930 | €349,499 | €8,643 | -€73,821 | -€68,794 | ▲ 6.8% |
| + Depreciation and write-downs630 | €20,442 | €22,136 | €16,252 | €15,110 | €25,853 | ▲ 71.1% |
| Operating cash flow (approximation) | €337,372 | €371,635 | €24,895 | -€58,710 | -€42,941 | ▲ 26.9% |
| Investment in fixed assets (approximation) | - | -€14,856 | -€3,585 | -€4,557 | -€64,218 | ▼ 1,309% |
| Change in cash | - | €125,779 | -€314,255 | €161,432 | -€313,887 | ▼ 294% |
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
23-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet -€73,821
Net result drops to -€73,821, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €349,499 ▲10.3%
Operating result €349,130, net result €349,499, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €316,930
Net result €316,930 after one loss-making year.
12-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 43 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 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
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, Ottignies-Louvain-la-Neuve · 6 establishment units since 2006
Ground area
6,482 m²
Building footprint
1,024 m²
Volume, LiDAR
5,711 m³
4 parcels, Wallonia · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
6 establishment units
"Le Chenal"
since 20062.155.288.134
"Le Cabestan"
since 20062.155.288.233
"L'Estacade"
since 20062.155.288.431
"L'Atalante"
since 20062.155.289.223
"Le Baïne"
since 20082.231.936.544
AMARRAGE
since 20182.278.863.065
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25041D0081/00G000 | Wallonia | 3,554 m² | 1 · 223 m² | 9.5 m · 3 fl. |
| 25744E1594/00C000 | Wallonia | 1,420 m² | 1 · 372 m² | - |
| 25016A0185/00H008 | Wallonia | 1,099 m² | 1 · 277 m² | 8.5 m · 2 fl. |
| 25782C0114/00V002 | Wallonia | 409 m² | 1 · 152 m² | 17.0 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 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
Wallonia-Brussels Federation
2021 to 2025 · 176 entries · 20,816,628 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 142 | 5,577,462 EUR |
| 2024 | 13 | 5,469,838 EUR |
| 2023 | 14 | 5,241,638 EUR |
| 2022 | 2 | 4,440,415 EUR |
| 2021 | 5 | 87,274 EUR |
Budget allocations
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Of 228 companies in sector 87991 we hold annual accounts for 209. 147 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded27-06-1973
Fiscal year end31-12
Activities, NACEBEL 2025
87991Residential care activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0413714106
Also
9925:BE0413714106
Registered
09-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.