Amber Goeman
ActiveThe computed 12-month bankruptcy probability of Amber Goeman is 2.0% (moderate). The 2025 annual accounts show equity of €16k and a net result of €7k. Its solvency ranks better than 27% of 18237 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
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+5
Solvency31▲+2
Growth52
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.85 in 2024; short-term debt: 42.3% and cash: 6.9% of total assets), and 93.6% 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
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
6.4%
Return on assets
2.7%
Age of the figures
9 mo
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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
12 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 71.8%
2024 · €9k
2024: €9k
2024 → 2025
Total assets
€247k▲ 6.0%
2024 · €233k
2024: €233k
2024 → 2025
Net result
€7k▼ 1.4%
2024 · €7k
2024: €7k
2024 → 2025
Working capital
€-29k▼ 125%
2024 · €-13k
2024: €-13k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€9k-€16k▲ 71.8%
Operating result€13k-€14k▲ 0.7%
Net result€7k-€7k▼ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€172k▲ 6.3%
Current assets
€75k▲ 5.3%
Equity and liabilities €247k
Equity
€16k▲ 71.8%
Debt
€231k▲ 3.3%
The debt ratio falls from 96.0% to 93.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▲
2024 · €25k
Cash flow
€18k▲
2024 · €18k
Solvency
6.4%▲
2024 · 4.0%
Current ratio
0.72▼
2024 · 0.85
Quick ratio
0.32▼
2024 · 0.41
Debt / equity
14.59▼
2024 · 24.27
ROE
41.8%▼
2024 · 72.9%
ROA
2.7%▼
2024 · 2.9%
Interest coverage
4.70▲
2024 · 4.04
Debt
€231k▲
2024 · €224k
Debt ≤ 1 year
€104k▲
2024 · €84k
Debt > 1 year
€127k▼
2024 · €139k
Income taxes
€2k▲
2024 · €710
Staff costs
€98k▼
2024 · €103k
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€233k€247k▲
Fixed assets21/28€161k€172k▲
Intangible fixed assets21€27k€24k▼
Tangible fixed assets22/27€131k€145k▲
Plant, machinery and equipment23€13k€27k▲
Other tangible fixed assets26€118k€118k▼
Financial fixed assets28€3k€3k=
Current assets29/58€72k€75k▲
Stocks and contracts in progress3€37k€42k▲
Stocks30/36€37k€42k▲
Amounts receivable within one year40/41€16k€16k▼
Trade receivables40€9k€10k▲
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€18k€17k▼
Deferred charges and accrued income490/1€135€87▼
Equity and liabilities
Total equity and liabilities10/49€233k€247k▲
Equity10/15€9k€16k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€7k€13k▲
Amounts payable17/49€224k€231k▲
Amounts payable after more than one year17€139k€127k▼
Financial debts170/4€108k€95k▼
Other amounts payable178/9€31k€31k=
Amounts payable within one year42/48€84k€104k▲
Current portion of amounts payable after more than one year42€24k€29k▲
Trade debts44€25k€34k▲
Suppliers440/4€25k€34k▲
Taxes, remuneration and social security45€23k€25k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€21k€22k▲
Other amounts payable47/48€13k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€103k€98k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€562€548▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€129k€128k▼
Operating profit (loss)9901€13k€14k▲
Financial income75/76B€78€127▲
Recurring financial income75€78€127▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€7k€8k▲
Income taxes67/77€710€2k▲
Profit (loss) for the period9904€7k€7k▼
Profit (loss) for the period to be appropriated9905€7k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€13k▲
Profit (loss) brought forward from the previous period14P-€7k
The notes to these accounts (10 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
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
NBB filing
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-Niklaas · 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.
Lepelhoekstraat 649100 Sint-NiklaasGround area
409 m²
Building footprint
179 m²
Volume, LiDAR
986 m³
Parcel 46021A0227/00Y000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Amber uw buurtwinkel
since 20232.348.482.341
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46021A0227/00Y000 | Flanders | 409 m² | 1 · 179 m² | 9.9 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Niklaas2.348.482.341
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 3,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2023
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47210Retail sale of fruit and vegetables
47221Retail sale of meat and meat products, excluding game and poultry
47222Retail trade
47271Retail trade
47279Other retail sale of food
47291Retail trade
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.