Summary
AMBRECO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €157k and a net result of €48k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 61% of 8024 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 03-12-2025, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
84 d early
2023
43 d early
2022
41 d early
2021
45 d early
2020
44 d early
2019
43 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k=
2024 · €157k
2019: €165k
2020: €105k
2021: €157k
2022: €157k
2023: €157k
2024: €157k
2019 → 2025
Net result
€48k▼ 70.0%
2024 · €159k
2019: €149k
2020: €125k
2021: €167k
2022: €358k
2023: €243k
2024: €159k
2019 → 2025
Total assets
€242k▼ 30.8%
2024 · €349k
2019: €279k
2020: €312k
2021: €301k
2022: €541k
2023: €427k
2024: €349k
2019 → 2025
Solvency
65.1%▲ 20.0pp
2024 · 45.0%
2019: 59.1%
2020: 33.7%
2021: 52.2%
2022: 29.1%
2023: 36.9%
2024: 45.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€157k-€157k=€157k=€157k=€157k=
Operating result€225k-€475k▲ 111%€320k▼ 32.6%€152k▼ 52.5%€67k▼ 55.6%
Net result€167k-€358k▲ 114%€243k▼ 32.3%€159k▼ 34.4%€48k▼ 70.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€37k ▼ 65.7%
Current assets
€205k ▼ 15.3%
Equity and liabilities €242k
Equity
€157k =
Debt
€84k ▼ 56.0%
The debt ratio falls from 55.0% to 34.9%. Debt is lower.
Key figures and ratios
ROE
30.3%▼
2024 · 101.2%
ROA
19.7%▼
2024 · 45.6%
Debt ≤ 1 year
€84k▼
2024 · €192k
Income taxes
€14k▼
2024 · €35k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€349k€242k▼
Fixed assets21/28€107k€37k▼
Tangible fixed assets22/27€33k€35k▲
Land and buildings22€27k€30k▲
Furniture and vehicles24€6k€5k▼
Financial fixed assets28€75k€2k▼
Current assets29/58€242k€205k▼
Amounts receivable within one year40/41€37k€17k▼
Trade receivables40€18k€0▼
Other amounts receivable41€18k€17k▼
Current investments50/53€145€9k▲
Cash at bank and in hand54/58€202k€176k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€349k€242k▼
Equity10/15€157k€157k=
Contributions10/11€92k€92k=
Reserves13€66k€66k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€66k€66k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€192k€84k▼
Amounts payable within one year42/48€192k€84k▼
Financial debts43€5k€5k=
Credit institutions430/8€0€5k▲
Other loans439€5k€0▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€24k€8k▼
Taxes450/3€24k€8k▼
Other amounts payable47/48€160k€71k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€159k€76k▼
Operating profit (loss)9901€152k€67k▼
Financial income75/76B€46k€55k▲
Recurring financial income75€46k€55k▲
Financial charges65/66B€4k€61k▲
Recurring financial charges65€4k€4k▼
Non-recurring financial charges66B-€57k
Profit (loss) for the period before taxes9903€194k€62k▼
Income taxes67/77€35k€14k▼
Profit (loss) for the period9904€159k€48k▼
Profit (loss) for the period to be appropriated9905€159k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€159k€48k▼
Profit to be distributed694/7€159k€48k▼
Return on contributions (dividend)694€159k€48k▼
The notes to these accounts (11 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
03-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €48k ▼70%
Net result drops to €48k, the lowest in the series.
2024
08-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €358k ▲114%
Operating result €475k, net result €358k, both a record.
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Equity above €150kEq €157k ▲49.5%
3 profitable years in a row build equity to €157k.
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
21-12
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, Bree · 1 establishment unit since 2014
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.
Bergstraat 613960 BreeGround area
1,025 m²
Building footprint
225 m²
Volume, LiDAR
1,261 m³
Parcel 72027B0211/00K000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bergstraat 61, 3960 Bree
since 20142.229.924.090
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72027B0211/00K000 | Flanders | 1,025 m² | 1 · 225 m² | 9.7 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.
Similar companies · same sector, comparable size
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ULMUS
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OmniRecht Holding
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P@H
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,314 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2014
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.