AmberFin Contracting Solutions
ActiveAmberFin Contracting Solutions has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €380k and a net result of €175k. Equity is growing by ~48% per year across the filed fiscal years. Its solvency ranks better than 39% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
71
/ 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
Profitability91▲+17
Solvency72▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.34 in 2024; short-term debt: 53.1% and cash: 3.5% of total assets), but 53.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
46.9%
Return on assets
21.5%
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 29-04-2026, 93 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
93 d early
2024
44 d early
2023
90 d early
2022
67 d early
2021
13 d early
2020
39 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€380k▲ 84.8%
2024 · €206k
2020: €-2k
2021: €83k
2022: €107k
2023: €120k
2024: €206k
2020 → 2025
Total assets
€811k▲ 36.5%
2024 · €594k
2020: €1k
2021: €226k
2022: €229k
2023: €328k
2024: €594k
2020 → 2025
Net result
€175k▲ 104%
2024 · €86k
2020: €-4k
2021: €85k
2022: €24k
2023: €13k
2024: €86k
2020 → 2025
Working capital
€305k▲ 134%
2024 · €131k
2020: €-2k
2021: €93k
2022: €107k
2023: €60k
2024: €131k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€107k▲ 28.5%€120k▲ 12.5%€206k▲ 71.2%€380k▲ 84.8%
Operating result€113k-€32k▼ 71.4%€19k▼ 42.3%€118k▲ 536%€235k▲ 98.5%
Net result€85k-€24k▼ 72.2%€13k▼ 43.4%€86k▲ 539%€175k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 99% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €811k
Fixed assets
€75k=
Current assets
€735k▲ 41.8%
Equity and liabilities €811k
Equity
€380k▲ 84.8%
Debt
€430k▲ 10.9%
The debt ratio falls from 65.3% to 53.1%. Equity and debt are higher.
Key figures and ratios
Solvency
46.9%▲
2024 · 34.7%
Current ratio
1.71▲
2024 · 1.34
Quick ratio
1.71▲
2024 · 1.34
Debt / equity
1.13▼
2024 · 1.88
ROE
45.9%▲
2024 · 41.6%
ROA
21.5%▲
2024 · 14.4%
Debt
€430k▲
2024 · €388k
Debt ≤ 1 year
€430k▲
2024 · €388k
Income taxes
€60k▲
2024 · €32k
Staff costs
€1.58M▲
2024 · €1.04M
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€594k€811k▲
Fixed assets21/28€75k€75k=
Financial fixed assets28€75k€75k=
Current assets29/58€519k€735k▲
Amounts receivable within one year40/41€391k€707k▲
Trade receivables40€296k€410k▲
Other amounts receivable41€95k€297k▲
Cash at bank and in hand54/58€127k€28k▼
Deferred charges and accrued income490/1€564€393▼
Equity and liabilities
Total equity and liabilities10/49€594k€811k▲
Equity10/15€206k€380k▲
Contributions10/11€2k€2k=
Reserves13€204k€204k=
Distributable reserves133€204k€204k=
Profit (loss) carried forward14-€175k
Amounts payable17/49€388k€430k▲
Amounts payable within one year42/48€388k€430k▲
Trade debts44€216k€158k▼
Suppliers440/4€216k€158k▼
Taxes, remuneration and social security45€172k€272k▲
Taxes450/3€44k€78k▲
Remuneration and social security454/9€128k€194k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.04M€1.58M▲
Other operating charges640/8€387€400▲
Gross operating margin9900€1.16M€1.82M▲
Operating profit (loss)9901€118k€235k▲
Financial income75/76B-€8
Recurring financial income75-€8
Financial charges65/66B€349€416▲
Recurring financial charges65€349€416▲
Profit (loss) for the period before taxes9903€118k€234k▲
Income taxes67/77€32k€60k▲
Profit (loss) for the period9904€86k€175k▲
Profit (loss) for the period to be appropriated9905€86k€175k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€175k▲
Transfer to equity691/2€86k-
To other reserves6921€86k-
The notes to these accounts (2 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
08-09
State Gazette act
Statutes amendment · Resignations & appointmentsGeneral meeting · Statutes amendment · Director resignation13 facts ▸
State Gazette act
Statutes amendment · Resignations & appointments
General meeting · Statutes amendment · Director resignation13 facts ▸
- General meeting, 2026-09-03
- Statutes amendment
- Director resignation, Gomez Cruz Marc (bestuurder)
- Director resignation, Thomas Alexander (bestuurder)
- Director appointment, DAVIES Amy Ruth (bestuurder)
- Director appointment, HOSKIN John Hugo (bestuurder)
- Director appointment, MISSAH Kwasi Martin (bestuurder)
- Mandate compensation, DAVIES Amy Ruth
- Mandate compensation, HOSKIN John Hugo
- Mandate compensation, MISSAH Kwasi Martin
- Power of attorney, DAVIES Amy Ruth
- Power of attorney, HOSKIN John Hugo
- +1 further facts in this act
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €175k ▲104%
Operating result €235k, net result €175k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €206k ▲71.2%
4 profitable years in a row build equity to €206k.
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €107k ▲28.5%
2 profitable years in a row build equity to €107k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €85k
Net result €85k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 1.70
Current ratio from 0.38 to 1.70.
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 39 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26359441). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
DAVIES Amy Ruth
CurrentDirector · since 03-09-2026
HOSKIN John Hugo
CurrentDirector · since 03-09-2026
MISSAH Kwasi Martin
CurrentDirector · since 03-09-2026
03-09-2026
DAVIES Amy Ruth: Appointed as Director
03-09-2026
HOSKIN John Hugo: Appointed as Director
03-09-2026
MISSAH Kwasi Martin: Appointed as Director
24-06-2026
Gomez Cruz Marc: Resigned as Director
24-06-2026
Thomas Alexander: Resigned as Director
Location & real-estate footprint
Registered office, Kraainem · 2 establishment units since 2020
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.
Steenweg op Mechelen 4551950 KraainemGround area
1.2 ha
Building footprint
1,387 m²
Volume, LiDAR
43,826 m³
2 parcels, Brussels, Flanders · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
2 establishment units
AmberFin Contracting Solutions
since 20202.305.658.425
AmberFin Contracting Solutions
since 20212.334.912.635
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 21362B0286/00M010 | Brussels | 636 m² | 1 · 522 m² | 28.8 m · 6 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
TAP TSI Services Governance Association
BE 0673.899.877
Brussel · Eq €381k
MARIJKE VAN ZUNDERT CONSULTING
BE 0727.575.125
Schilde · Eq €379k
COMPUTERS CUYPERS
BE 0435.893.848
Schoten · Eq €381k
TECH FUSION
BE 0766.514.190
Hamme (Vl.) · Eq €381k
COMAX
BE 0738.443.182
Schoten · Eq €382k
Of 16,878 companies in sector 62100 we hold annual accounts for 8,776. 5,882 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2020
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.