AMBERES CAPITAL
ActiveAMBERES CAPITAL has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €382k and a net result of €2k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 2312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
68
/ 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
Profitability51▼-15
Solvency67=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.12 in 2024; short-term debt: 11.2% and cash: 3.3% of total assets), and 57.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
42.4%
Return on assets
0.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
40 d early
2024
1 d early
2023
on the day
2022
25 d early
2021
on the day
2020
23 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€382k▲ 0.6%
2024 · €380k
2019: €163k
2020: €145k
2021: €165k
2022: €172k
2023: €367k
2024: €380k
2019 → 2025
Total assets
€901k▲ 0.8%
2024 · €894k
2019: €497k
2020: €323k
2021: €317k
2022: €348k
2023: €604k
2024: €894k
2019 → 2025
Net result
€2k▼ 81.6%
2024 · €13k
2019: €3k
2020: €-19k
2021: €20k
2022: €7k
2023: €263k
2024: €13k
2019 → 2025
Working capital
€1k▼ 90.4%
2024 · €11k
2019: €98k
2020: €645
2021: €13k
2022: €503
2023: €261k
2024: €11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€172k▲ 4.1%€367k▲ 114%€380k▲ 3.5%€382k▲ 0.6%
Operating result€28k-€25k▼ 10.7%€338k▲ 1,243%€23k▼ 93.1%€21k▼ 8.5%
Net result€20k-€7k▼ 66.0%€263k▲ 3,784%€13k▼ 95.1%€2k▼ 81.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 8% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €901k
Fixed assets
€799k▲ 0.6%
Current assets
€102k▲ 1.7%
Equity and liabilities €901k
Equity
€382k▲ 0.6%
Provisions
€77k▼ 3.1%
Debt
€441k▲ 1.6%
The debt ratio rises from 48.6% to 49.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€61k▲
2024 · €44k
Cash flow
€42k▲
2024 · €33k
Solvency
42.4%▼
2024 · 42.5%
Current ratio
1.01▼
2024 · 1.12
Quick ratio
1.01▼
2024 · 1.12
Debt / equity
1.15▲
2024 · 1.14
ROE
0.6%▼
2024 · 3.4%
ROA
0.3%▼
2024 · 1.4%
Interest coverage
3.78▼
2024 · 5.42
Debt
€441k▲
2024 · €434k
Debt ≤ 1 year
€101k▲
2024 · €89k
Debt > 1 year
€340k▼
2024 · €345k
Income taxes
€6k▲
2024 · €5k
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€894k€901k▲
Fixed assets21/28€794k€799k▲
Tangible fixed assets22/27€603k€608k▲
Land and buildings22€575k€551k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€28k€55k▲
Financial fixed assets28€191k€191k=
Current assets29/58€100k€102k▲
Amounts receivable within one year40/41€34k€70k▲
Trade receivables40€12k€23k▲
Other amounts receivable41€22k€46k▲
Current investments50/53€0-
Cash at bank and in hand54/58€64k€30k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€894k€901k▲
Equity10/15€380k€382k▲
Contributions10/11€19k€19k=
Reserves13€361k€364k▲
Tax-exempt reserves132€240k€232k▼
Distributable reserves133€122k€131k▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€80k€77k▼
Deferred taxes168€80k€77k▼
Amounts payable17/49€434k€441k▲
Amounts payable after more than one year17€345k€340k▼
Financial debts170/4€345k€340k▼
Amounts payable within one year42/48€89k€101k▲
Current portion of amounts payable after more than one year42€32k€37k▲
Financial debts43€3k€10k▲
Credit institutions430/8€3k€10k▲
Trade debts44€981€10k▲
Suppliers440/4€981€10k▲
Taxes, remuneration and social security45€10k€987▼
Taxes450/3€6k€987▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€44k€42k▼
Income statement
Code20242025
Non-recurring operating income76A€0€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€40k▲
Other operating charges640/8€2k€8k▲
Gross operating margin9900€45k€69k▲
Operating profit (loss)9901€23k€21k▼
Financial income75/76B€1k€316▼
Recurring financial income75€1k€316▼
Financial charges65/66B€8k€16k▲
Recurring financial charges65€8k€16k▲
Profit (loss) for the period before taxes9903€16k€6k▼
Transfer from deferred taxes780€2k€2k▲
Transfer to deferred taxes680€0-
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€13k€2k▼
Transfer from tax-exempt reserves789€5k€7k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€18k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€10k▼
Transfer from equity791/2€0-
Transfer to equity691/2€18k€10k▼
To other reserves6921€18k€10k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (18 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2019net €263k ▲3784%
Operating result €338k, net result €263k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 3.30
Current ratio from 1.01 to 3.30.
30-06
Financial
Equity above €200kEq €367k ▲114%
3 profitable years in a row build equity to €367k.
06-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
30-06
Financial
Equity above €150kEq €165k ▲13.8%
Equity rises from €145k to €165k.
08-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €-19k ▼796%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
14-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Wommelgem · 1 establishment unit since 2001
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.
Kerkplaats 72160 WommelgemGround area
968 m²
Building footprint
322 m²
Volume, LiDAR
2,947 m³
Parcel 11052C0244/00F000, Flanders · tallest building 15.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kerkplaats 7, 2160 Wommelgem
since 20012.100.367.526
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0244/00F000 | Flanders | 968 m² | 1 · 322 m² | 15.4 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 2024 · 2 entries · 1,075 EUR awarded · 1,075 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 535 EUR | 535 EUR |
| 2022 | 1 | 540 EUR | 540 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,526 companies in sector 86931 we hold annual accounts for 550. 269 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2000
Fiscal year end30-06
Activities, NACEBEL
74142
86904Human health activities
86931Psychology services
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.