AMBF
ActiveSummary
The computed 12-month bankruptcy probability of AMBF is 2.6% (moderate). The annual accounts of AMBF for fiscal year 2024 show a net loss of 95% of the equity at the start of that year. The 2024 annual accounts show equity of €549 and a net result of €-11k. Equity is shrinking by ~47.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 21% of 15865 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability8▼-58
Solvency25▼-67
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.63 against 2.66 in 2023; short-term debt: 99.6% and cash: 14.8% of total assets), and 99.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 · 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 2024Solvency, return and age of the figures
Solvency
0.4%
Return on assets
-8.3%
Age of the figures
21 mo
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 15865 sector peers (2024).
NBB · sector comparisonPosition among 15865 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
55 d late
2023
30 d late
2022
22 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€549▼ 95.4%
2023 · €12k
Total assets
€137k▲ 668%
2023 · €18k
Net result
€-11k
2023 · €862
Working capital
€-51k
2023 · €10k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202220232024
Operating result€1k-€2k▲ 6.5%€-10k
Net result€1k-€862▼ 15.3%€-11k
Equity€11k-€12k▲ 7.8%€549▼ 95.4%
Total assets€19k-€18k▼ 7.5%€137k▲ 668%
Debt€8k-€6k▼ 27.9%€136k▲ 2,190%
Working capital€8k-€10k▲ 19.2%€-51k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €10k after €2k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €137k
Fixed assets
€51k ▲ 2,436%
Current assets
€86k ▲ 442%
Equity and liabilities €137k
Equity
€549 ▼ 95.4%
Debt
€136k ▲ 2,190%
Debt's share of the balance-sheet total rises from 33.4% to 99.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-9k▼
2023 · €2k
Cash flow
€-10k▼
2023 · €2k
Current ratio
0.63▼
2023 · 2.66
Quick ratio
0.36▼
2023 · 0.69
ROA
-8.3%▼
2023 · 4.8%
Interest coverage
-5.74▼
2023 · 4.99
Debt ≤ 1 year
€136k▲
2023 · €6k
Income taxes
€0▼
2023 · €228
Staff costs
€5k
Equity ratios withheld: equity of €549 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €5k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €728 | €1k | ▲ 58.8% |
| Other operating charges640/8 | €398 | €384 | €2k | ▲ 493% |
| Gross operating margin9900 | €3k | €3k | €-1k | ▼ 147% |
| Operating profit (loss)9901 | €1k | €2k | €-10k | ▼ 749% |
| Financial income75/76B | €78 | €22 | €20 | ▼ 11.1% |
| Recurring financial income75 | €78 | €22 | €20 | ▼ 11.1% |
| Financial charges65/66B | €218 | €450 | €2k | ▲ 236% |
| Recurring financial charges65 | €218 | €450 | €2k | ▲ 236% |
| Profit (loss) for the period before taxes9903 | €1k | €1k | €-11k | ▼ 1,140% |
| Income taxes67/77 | €267 | €228 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €1k | €862 | €-11k | ▼ 1,414% |
| Profit (loss) for the period to be appropriated9905 | €1k | €862 | €-11k | ▼ 1,414% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €19k | €18k | €137k | ▲ 668% |
| Fixed assets21/28 | €3k | €2k | €51k | ▲ 2,436% |
| Tangible fixed assets22/27 | €3k | €2k | €44k | ▲ 2,101% |
| Furniture and vehicles24 | €3k | €2k | €1k | ▼ 35.5% |
| Other tangible fixed assets26 | - | - | €43k | - |
| Financial fixed assets28 | - | - | €7k | - |
| Current assets29/58 | €17k | €16k | €86k | ▲ 442% |
| Stocks and contracts in progress3 | €12k | €12k | €37k | ▲ 213% |
| Stocks30/36 | €12k | €12k | €37k | ▲ 213% |
| Amounts receivable within one year40/41 | €4k | €4k | €29k | ▲ 630% |
| Trade receivables40 | €3k | €3k | €29k | ▲ 886% |
| Other amounts receivable41 | €767 | €1k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €987 | €147 | €20k | ▲ 13,633% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €19k | €18k | €137k | ▲ 668% |
| Equity10/15 | €11k | €12k | €549 | ▼ 95.4% |
| Contributions10/11 | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | €1k | €2k | €-9k | ▼ 603% |
| Amounts payable17/49 | €8k | €6k | €136k | ▲ 2,190% |
| Amounts payable within one year42/48 | €8k | €6k | €136k | ▲ 2,190% |
| Trade debts44 | €4k | €2k | €50k | ▲ 1,941% |
| Suppliers440/4 | €4k | €2k | €50k | ▲ 1,941% |
| Taxes, remuneration and social security45 | €267 | €513 | €8k | ▲ 1,474% |
| Taxes450/3 | €267 | €513 | €6k | ▲ 1,114% |
| Remuneration and social security454/9 | - | - | €2k | - |
| Other amounts payable47/48 | €4k | €3k | €78k | ▲ 2,520% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €1k | €862 | €-11k | ▼ 1,414% |
| + Depreciation and write-downs630 | €2k | €728 | €1k | ▲ 58.8% |
| Operating cash flow (approximation) | €3k | €2k | €-10k | ▼ 740% |
| Investment in fixed assets (approximation) | - | €0 | €-50k | - |
| Change in cash | - | €-840 | €20k | ▲ 2,490% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Saint-Nicolas · 1 establishment unit since 2024
Ground area
8,261 m²
Building footprint
2,806 m²
Volume, LiDAR
15,090 m³
2 parcels, Wallonia · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Chaussée Romaine (War) 192, 4300 Waremme
since 20242.366.258.283
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62102B0064/00S004 | Wallonia | 4,307 m² | 1 · 891 m² | 9.1 m · 3 fl. |
| 64074B0010/00G000 | Wallonia | 3,953 m² | 1 · 1,915 m² | 7.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
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NAMERI
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Of 1,277 companies in sector 46160 we hold annual accounts for 686. 51 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47519Retail trade
Scores and ratios are computed by Checked and are not a credit decision.