AMB AUTOS
ActiveSummary
The computed 12-month bankruptcy probability of AMB AUTOS is 1.9% (moderate). The 2025 annual accounts show equity of €31k and a net result of €12k. Equity is growing by ~88.8% per year across the filed fiscal years. Its solvency ranks better than 32% of 18280 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-36
Solvency38▼-5
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.15 against 1.21 in 2024; short-term debt: 86.7% and cash: 13.4% of total assets), and 86.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
13.3%
Return on assets
5.2%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
63 d late
2023
31 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▲ 64.0%
2024 · €19k
2023: €-3k
2024: €19k
2023 → 2025
Total assets
€229k▲ 116%
2024 · €106k
2023: €21k
2024: €106k
2023 → 2025
Net result
€12k▼ 43.7%
2024 · €21k
2023: €-9k
2024: €21k
2023 → 2025
Working capital
€30k▲ 63.7%
2024 · €19k
2023: €-3k
2024: €19k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-3k-€19k€31k▲ 64.0%
Operating result€-9k-€25k€15k▼ 40.7%
Net result€-9k-€21k€12k▼ 43.7%
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 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€50
Current assets
€229k
Equity and liabilities €229k
Equity
€31k ▲ 64.0%
Debt
€198k ▲ 128%
Debt's share of the balance-sheet total rises from 82.4% to 86.7%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.15▼
2024 · 1.21
Quick ratio
0.95▲
2024 · 0.44
Debt to equity
6.50▲
2024 · 4.68
ROE
39.0%▼
2024 · 113.6%
ROA
5.2%▼
2024 · 20.0%
Debt ≤ 1 year
€198k▲
2024 · €87k
Income taxes
€5k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€106k€229k▲
Fixed assets21/28-€50
Financial fixed assets28-€50
Current assets29/58€106k€229k▲
Stocks and contracts in progress3€68k€39k▼
Stocks30/36€68k€39k▼
Amounts receivable within one year40/41€34k€159k▲
Trade receivables40€7k€69k▲
Other amounts receivable41€27k€90k▲
Cash at bank and in hand54/58€5k€31k▲
Equity and liabilities
Total equity and liabilities10/49€106k€229k▲
Equity10/15€19k€31k▲
Contributions10/11€6k€6k=
Reserves13€13k€25k▲
Distributable reserves133€13k€25k▲
Amounts payable17/49€87k€198k▲
Amounts payable within one year42/48€87k€198k▲
Trade debts44€53k€135k▲
Suppliers440/4€53k€135k▲
Advances received on contracts in progress46-€14k
Taxes, remuneration and social security45€17k€32k▲
Taxes450/3€17k€32k▲
Other amounts payable47/48€18k€18k=
Income statement
Code20242025
Other operating charges640/8€2k€1k▼
Gross operating margin9900€27k€16k▼
Operating profit (loss)9901€25k€15k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€474€1k▲
Recurring financial charges65€474€1k▲
Profit (loss) for the period before taxes9903€26k€17k▼
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€21k€12k▼
Profit (loss) for the period to be appropriated9905€21k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€12k▼
Profit (loss) brought forward from the previous period14P€-9k-
Transfer to equity691/2€13k€12k▼
To other reserves6921€13k€12k▼
The notes to these accounts (6 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 63 days late
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tongeren-Borgloon · 1 establishment unit since 2023
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.
Godensteenstraat 33700 Tongeren-BorgloonGround area
403 m²
Building footprint
438 m²
Volume, LiDAR
2,048 m³
2 parcels, Flanders, Wallonia · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AMB AUTOS
since 20232.341.259.997
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73003C0307/00X000 | Flanders | 250 m² | 1 · 266 m² | 9.8 m · 1 fl. |
| 62097B0478/00C000 | Wallonia | 153 m² | 1 · 172 m² | 6.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
FLEXRENT
BE 0468.842.669
Peer · Eq €30,536
PACHA AUTOMOBILE
BE 0783.593.318
Kraainem · Eq €30,517
KANARYAM
BE 0521.924.039
Charleroi · Eq €30,594
GARAGE CORSELIS
BE 0826.839.678
Tournai · Eq €30,599
Daymohk
BE 0794.385.656
Gent · Eq €30,471
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 2,988 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.