AMB SALES
ActiveThe computed 12-month bankruptcy probability of AMB SALES is 3.3% (moderate). The 2025 annual accounts show equity of €379 and a net result of €-5k. Equity is shrinking by ~41.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 20% of 11209 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▼-80
Solvency25▼-14
Growth32▼-26
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 1.0 against 1.16 in 2024; short-term debt: 99.6% and cash: 64.5% of total assets), and 99.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2025Solvency, return and age of the figures
Solvency
0.4%
Return on assets
-5.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 11209 sector peers (2025).
NBB · sector comparisonPosition among 11209 sector peers
Solvency
better than 20%
← weakest
strongest →
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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
41 d early
2023
58 d late
2022
6 d early
2021
4 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€379▼ 99.2%
2024 · €46k
2021: €64k
2022: €120k
2023: €168k
2024: €46k
2021 → 2025
Total assets
€91k▼ 72.0%
2024 · €326k
2021: €86k
2022: €149k
2023: €261k
2024: €326k
2021 → 2025
Net result
€-5k
2024 · €114k
2021: €59k
2022: €56k
2023: €48k
2024: €114k
2021 → 2025
Working capital
€-268
2024 · €45k
2021: €64k
2022: €118k
2023: €166k
2024: €45k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€120k▲ 87.8%€168k▲ 39.6%€46k▼ 72.6%€379▼ 99.2%
Operating result€77k-€64k▼ 16.6%€66k▲ 3.2%€129k▲ 94.9%€31k▼ 76.3%
Net result€59k-€56k▼ 4.7%€48k▼ 15.4%€114k▲ 140%€-5k
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 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€646▼ 35.8%
Current assets
€90k▼ 72.2%
Equity and liabilities €91k
Equity
€379▼ 99.2%
Debt
€91k▼ 67.6%
The debt ratio rises from 85.9% to 99.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€31k▼
2024 · €129k
Cash flow
€-4k▼
2024 · €114k
Solvency
0.4%▼
2024 · 14.1%
Current ratio
1.00▼
2024 · 1.16
Quick ratio
1.00▼
2024 · 1.16
ROA
-5.1%▼
2024 · 35.0%
Interest coverage
0.86▼
2024 · 59.16
Debt
€91k▼
2024 · €280k
Debt ≤ 1 year
€91k▼
2024 · €280k
Income taxes
€22▼
2024 · €35k
Equity ratios withheld: equity of €379 is too small for a meaningful ratio.
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€326k€91k▼
Fixed assets21/28€1k€646▼
Tangible fixed assets22/27€1k€646▼
Furniture and vehicles24€1k€646▼
Current assets29/58€325k€90k▼
Amounts receivable within one year40/41€78k€32k▼
Trade receivables40€78k€18k▼
Other amounts receivable41€469€14k▲
Cash at bank and in hand54/58€246k€59k▼
Equity and liabilities
Total equity and liabilities10/49€326k€91k▼
Equity10/15€46k€379▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€41k€-5k▼
Amounts payable17/49€280k€91k▼
Amounts payable within one year42/48€280k€91k▼
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Advances received on contracts in progress46€2k€430▼
Taxes, remuneration and social security45€56k€18k▼
Taxes450/3€54k€18k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€217k€71k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€360€360=
Other operating charges640/8€409€400▼
Gross operating margin9900€130k€31k▼
Operating profit (loss)9901€129k€31k▼
Financial income75/76B€22k€772▼
Recurring financial income75€22k€772▼
Financial charges65/66B€2k€36k▲
Recurring financial charges65€2k€36k▲
Profit (loss) for the period before taxes9903€149k€-5k▼
Income taxes67/77€35k€22▼
Profit (loss) for the period9904€114k€-5k▼
Profit (loss) for the period to be appropriated9905€114k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€277k€36k▼
Profit (loss) brought forward from the previous period14P€163k€41k▼
Profit to be distributed694/7€236k€41k▼
Return on contributions (dividend)694€236k€41k▼
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-5k ▼104%
Net result drops to €-5k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €114k ▲140%
Operating result €129k, net result €114k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Equity above €150kEq €168k ▲39.6%
3 profitable years in a row build equity to €168k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €120k ▲87.8%
2 profitable years in a row build equity to €120k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Sint-Lambrechts-Woluwe · 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.
de Broquevillelaan 3021200 Sint-Lambrechts-WoluweGround area
450 m²
Building footprint
204 m²
Volume, LiDAR
3,723 m³
Parcel 21674C0288/00L002, Brussels · tallest building 22.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
de Broquevillelaan 302, 1200 Sint-Lambrechts-Woluwe
since 20212.313.109.015
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21674C0288/00L002 | Brussels | 450 m² | 1 · 204 m² | 22.6 m · 6 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.
Similar companies · same sector, comparable size
ARBELUX
BE 0775.745.820
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GANICRICE
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Montrosa
BE 0753.696.631
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KEB
BE 0816.898.267
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Lier · Eq €318
Of 6,157 companies in sector 46190 we hold annual accounts for 2,567. 165 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2021
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.