Active BE 0758.519.016Private limited company

AMAY IMMO

Rue Natalis 2 ·4020 Liège, Belgium· 5 yrs active

Conclusion Checked

The computed 12-month bankruptcy probability of AMAY IMMO is 4.7% (elevated). The 2024 annual accounts show negative equity (€-183k) and a net result of €-19k. Equity is shrinking by ~87.1% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€-183k
Net result	€-19k
Active	5 yrs
Locations	1

Snowflake analysis 5 axes · computed by Checked

48 / 100

Mixed profile: strong on stability, weaker on health.

Health 25

Profitability 52

Solvency 37

Growth 32

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

4.7% Elevated

0%0,5%1,5%4%10%≥25%

Young company +No NACE activity registered +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2024 · computed

25 / 100 Weak

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~87.1%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Net profit

€-19k

+88.4% 21-24

Total assets

€399k

+9.4% 21-24

Equity

€-183k

-11.6% 21-24

Working capital

€-182k

-11.3% 21-24

Debt

€582k

+10.1% 21-24

Debt ≤ 1y

€581k

+10.0% 21-24

Current ratio

0.69

-0.5% 21-24

Quick ratio

0.02

-43.7% 21-24

Solvency

-45.8%

-2.0% 21-24

Debt / equity

-3.18

+1.4% 21-24

ROE

10.4%

-89.6% 21-24

ROA

-4.8%

+89.4% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	-
EBITDA	-
Net profit	€-19k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€399k
Equity	€-183k
Debt	€582k
of which ≤ 1y	€581k
of which > 1y	-
Working capital	€-182k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.69
Quick ratio	0.02
Working capital ratio	-45.6%
Solvency	-45.8%
Debt / equity	-3.18
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-4.8%
ROE	10.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€399k
Current assets	29/58	€399k
Stocks & contracts in progress	3	€386k
Amounts receivable within one year	40/41	€3k
Cash & bank	54/58	€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€399k
Equity	10/15	€-183k
Contributions / capital	10/11	€20k
Accumulated profits (losses)	14	€-203k
Amounts payable	17/49	€582k
Amounts payable within one year	42/48	€581k
Trade debts payable within one year	44	€6k
Income statement
Gross operating margin	9900	€-10k
Operating result	9901	€-16k
Financial charges	65	€3k
Result before taxes	9903	€-19k
Net result for the period	9904	€-19k
Result to be appropriated	9905	€-19k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	-
Legal form	Private limited company(610)
Incorporation	17-11-2020
Status	Active
Postal code	4020

Establishment units 1 location

-

Rue Natalis 2, 4020 LiègeHandel in eigen onroerend goed

since 20202.310.710.343

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62817B0482/00Z003	Wallonia	5,447 m²	1 · 1,275 m²	29.4 m · 7 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

28-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2024

28-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · volledig

21-06-2024

State Gazette act Director changes

2023

31-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

2022

31-08-2022

NBB filing Annual accounts filed

fiscal year 2021 · volledig

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

21-06-2024 4 directors appointed, 2 resigning Director changes

Emmanuel Berryer, Bestuurder
Jehan Delacroix, Bestuurder
Jehan Delacroix, Gedelegeerd bestuurder
Jehan Delacroix, Dagelijks bestuur
Florent Minguet, Bestuurder
Steffi THONON, Dagelijks bestuur

Original publication ↗

Technical details

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Company registry (CBE) Crossroads Bank

Names & trade names

Legal nameFR

AMAY IMMO

Registered office

Rue Natalis 2

4020 Liège, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.