AMARY
ActiveAMARY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €46k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+11
Solvency54▼-43
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 3.4 in 2024; short-term debt: 70.9% and cash: 69.5% of total assets), and 71.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
28.9%
Return on assets
68.3%
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 08-04-2026, 114 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
114 d early
2024
34 d early
2023
22 d early
2022
20 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 83.8%
2024 · €119k
2022: €52k
2023: €92k
2024: €119k
2022 → 2025
Total assets
€67k▼ 59.7%
2024 · €166k
2022: €85k
2023: €142k
2024: €166k
2022 → 2025
Net result
€46k▲ 70.9%
2024 · €27k
2022: €47k
2023: €40k
2024: €27k
2022 → 2025
Working capital
€16k▼ 86.0%
2024 · €111k
2022: €36k
2023: €81k
2024: €111k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€52k-€92k▲ 77.5%€119k▲ 28.9%€19k▼ 83.8%
Operating result€61k-€53k▼ 12.7%€37k▼ 31.1%€59k▲ 61.6%
Net result€47k-€40k▼ 14.3%€27k▼ 33.8%€46k▲ 70.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 62% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€4k▼ 51.6%
Current assets
€63k▼ 60.1%
Equity and liabilities €67k
Equity
€19k▼ 83.8%
Debt
€47k▲ 1.9%
The debt ratio rises from 28.1% to 71.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€63k▲
2024 · €41k
Cash flow
€50k▲
2024 · €31k
Solvency
28.9%▼
2024 · 71.9%
Current ratio
1.33▼
2024 · 3.40
Quick ratio
1.33▼
2024 · 3.40
Debt / equity
2.46▲
2024 · 0.39
ROE
236.7%▲
2024 · 22.4%
ROA
68.3%▲
2024 · 16.1%
Interest coverage
63.59▲
2024 · 18.94
Debt
€47k▲
2024 · €47k
Debt ≤ 1 year
€47k▲
2024 · €46k
Income taxes
€13k▲
2024 · €8k
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€166k€67k▼
Fixed assets21/28€8k€4k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€8k€4k▼
Furniture and vehicles24€8k€4k▼
Current assets29/58€158k€63k▼
Amounts receivable within one year40/41€22k€16k▼
Trade receivables40€22k€16k▼
Other amounts receivable41€0€13▲
Cash at bank and in hand54/58€135k€46k▼
Deferred charges and accrued income490/1€645€679▲
Equity and liabilities
Total equity and liabilities10/49€166k€67k▼
Equity10/15€119k€19k▼
Contributions10/11€5k€5k=
Reserves13€114k€14k▼
Distributable reserves133€114k€14k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€47k€47k▲
Amounts payable within one year42/48€46k€47k▲
Trade debts44€13k€2k▼
Suppliers440/4€13k€2k▼
Taxes, remuneration and social security45€10k€12k▲
Taxes450/3€10k€12k▲
Other amounts payable47/48€23k€34k▲
Accrued charges and deferred income492/3€150€150=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€582€829▲
Gross operating margin9900€41k€64k▲
Operating profit (loss)9901€37k€59k▲
Financial charges65/66B€2k€994▼
Recurring financial charges65€2k€994▼
Profit (loss) for the period before taxes9903€35k€58k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€27k€46k▲
Profit (loss) for the period to be appropriated9905€27k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€46k▲
Transfer from equity791/2-€110k
Transfer to equity691/2€27k€10k▼
To other reserves6921€27k€10k▼
Profit to be distributed694/7-€145k
Return on contributions (dividend)694-€145k
The notes to these accounts (7 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €27k ▼33.8%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €119k ▲28.9%
3 profitable years in a row build equity to €119k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
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
1 act for this company is 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, Heusden-Zolder · 1 establishment unit since 2021
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.
Rond Punt 293550 Heusden-ZolderGround area
623 m²
Building footprint
96 m²
Volume, LiDAR
687 m³
Parcel 71025A0073/00R080, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AMARY
since 20212.314.205.808
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A0073/00R080 | Flanders | 623 m² | 1 · 96 m² | 11.4 m · 3 fl. |
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 to 2025 · 4 entries · 1,214 EUR awarded · 1,214 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 195 EUR | 195 EUR |
| 2024 | 1 | 944 EUR | 944 EUR |
| 2023 | 1 | 0 EUR | 75 EUR |
| 2022 | 1 | 75 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 5,753 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2021
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
85599Other education
85699Other educational support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.amarybv.be