Ambrosio Construct
ActiveAmbrosio Construct has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €7k. Its solvency ranks better than 24% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+70
Solvency47▼-2
Growth78
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.17 in 2024; short-term debt: 77.8% and cash: 31.1% of total assets), and 77.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 43
Relative position
BE, all sectors
reference
Sector 43
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
22.2%
Return on assets
4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
36 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▲ 22.1%
2024 · €32k
2024: €32k
2024 → 2025
Total assets
€179k▲ 32.4%
2024 · €135k
2024: €135k
2024 → 2025
Net result
€7k
2024 · €-16k
2024: €-16k
2024 → 2025
Working capital
€33k▲ 90.5%
2024 · €17k
2024: €17k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€32k-€40k▲ 22.1%
Operating result€-16k-€21k
Net result€-16k-€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €16k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179k
Fixed assets
€7k▼ 55.6%
Current assets
€172k▲ 43.6%
Equity and liabilities €179k
Equity
€40k▲ 22.1%
Debt
€139k▲ 35.7%
The debt ratio rises from 75.9% to 77.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €-14k
Cash flow
€16k▲
2024 · €-14k
Solvency
22.2%▼
2024 · 24.1%
Current ratio
1.24▲
2024 · 1.17
Quick ratio
1.24▲
2024 · 1.17
Debt / equity
3.51▲
2024 · 3.16
ROE
18.1%▲
2024 · -50.2%
ROA
4.0%▲
2024 · -12.1%
Interest coverage
11.97▲
2024 · -53.00
Debt
€139k▲
2024 · €103k
Debt ≤ 1 year
€139k▲
2024 · €103k
Income taxes
€12k▲
2024 · €342
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€135k€179k▲
Fixed assets21/28€15k€7k▼
Tangible fixed assets22/27€15k€7k▼
Plant, machinery and equipment23€2k€548▼
Furniture and vehicles24€13k€6k▼
Current assets29/58€120k€172k▲
Amounts receivable within one year40/41€112k€117k▲
Trade receivables40€109k€112k▲
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€8k€56k▲
Equity and liabilities
Total equity and liabilities10/49€135k€179k▲
Equity10/15€32k€40k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€32k€39k▲
Amounts payable17/49€103k€139k▲
Amounts payable within one year42/48€103k€139k▲
Trade debts44€79k€96k▲
Suppliers440/4€79k€96k▲
Taxes, remuneration and social security45€14k€25k▲
Taxes450/3€7k€12k▲
Remuneration and social security454/9€7k€13k▲
Other amounts payable47/48€9k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€8k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€21k
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-12k€52k▲
Operating profit (loss)9901€-16k€21k▲
Financial income75/76B€707-
Recurring financial income75€707-
Financial charges65/66B€269€2k▲
Recurring financial charges65€269€2k▲
Profit (loss) for the period before taxes9903€-16k€19k▲
Income taxes67/77€342€12k▲
Profit (loss) for the period9904€-16k€7k▲
Profit (loss) for the period to be appropriated9905€-16k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€39k▲
Profit (loss) brought forward from the previous period14P€48k€32k▼
The notes to these accounts (4 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Anderlecht · 1 establishment unit 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.
Alph. Demunterstraat 521070 AnderlechtGround area
155 m²
Building footprint
148 m²
Volume, LiDAR
1,494 m³
Parcel 21001A0439/00N000, Brussels · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ambrosio Construct
since 20202.347.611.420
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0439/00N000 | Brussels | 155 m² | 1 · 147 m² | 12.2 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.
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BE 0831.362.254
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TECHNOTHERM.H.O.
BE 0639.831.695
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,939 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formGeneral partnership
Founded25-06-2020
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43350Other building finishing work
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.