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AMC Construct

Active
Private limited companyfounded 2025active for 1 yearDriesstraat 52, 1790 Affligem, BelgiumKBO/BCE: BE 1019.270.159
Summary

The computed 12-month bankruptcy probability of AMC Construct is 4.2% (elevated). The 2025 annual accounts show equity of €25,230 and a net result of €25,230. Its solvency ranks better than 38% of 9,288 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€79,955total assets 2025
Equity
€25,230
Profit
€25,230
Turnover not published (micro format)
Financial health
48 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
4.2%
Structure
Accounts 15 days early
Why 48raises riskFounded in 2025Size: total assets €79,955Sector: Construction of residential and non-residential buildings (NACE 41)Liquidity: current ratio 1.46, cash €5,131Show the evidence

Checked score

Score 2025
48 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 49% of its sector peers (NACE 41, micro)
Financial strength
Average
Solvency 57
equity 31.6% of total assets
Liquidity 21
short-term debt 68.4% · cash 6.4%
Profitability 100
return on assets 31.6%
Bankruptcy probability, 12 months
4.2% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,431 companies, NACE 41, micro)
Last 24 months 02-2026: 3.6%lowest value 03-2026: 3.6%● unchanged vs 02-2026lowest value 04-2026: 3.7%▲ +0.1 percentage points vs 03-2026 05-2026: 4.1%▲ +0.4 percentage points vs 04-2026 06-2026: 4.2%▲ +0.1 percentage points vs 05-2026 07-2026: 4.6%▲ +0.4 percentage points vs 06-2026highest value 08-2026: 4.0%▼ -0.6 percentage points vs 07-2026 09-2026: 4.2%▲ +0.2 percentage points vs 08-2026 10-2026: 4.2%● unchanged vs 09-2026
Credit of up to €1,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity tight (current ratio 1.46, below the usual 1.5; short-term debt: 68.4% and cash: 6.4% of total assets), and 68.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 39% on solvency, 17% on liquidity and 91% on profitability.

The bankruptcy probability was computed on 22-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
raises riskneutral
raises risk · Founded in 2025
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: total assets €79,955
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Liquidity: current ratio 1.46, cash €5,131
NBB · annual accounts
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 16-07-2026, 15 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
15 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2025.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. IncorporationAppointment: MARIAN Albert (director) ·…

Financials · financial year 2025, micro format

Equity
€25,230
Total assets
€79,955
Net result
€25,230
Working capital
€25,230

Turnover and EBIT margin not published: the micro format does not require them.

Balance-sheet composition
Equity and liabilities €79,955
Equity €25,230
Debt €54,725
Debt finances 68.4% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
1.46
Debt to equity
2.17
ROE
100.0%
ROA
31.6%
Debt ≤ 1 year
€54,725
Income taxes
€6,313

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
96.6% still going

For this company itself Checked computes a higher bankruptcy probability: 4.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 27 lines
Balance sheet Code2025
Assets
Total assets20/58€79,955
Current assets29/58€79,955
Amounts receivable within one year40/41€74,503
Trade receivables40€69,292
Other amounts receivable41€5,211
Cash at bank and in hand54/58€5,131
Deferred charges and accrued income490/1€321
Equity and liabilities
Total equity and liabilities10/49€79,955
Equity10/15€25,230
Profit (loss) carried forward14€25,230
Amounts payable17/49€54,725
Amounts payable within one year42/48€54,725
Trade debts44€48,412
Suppliers440/4€48,412
Taxes, remuneration and social security45€6,313
Taxes450/3€6,313
Income statement Code2025
Gross operating margin9900€32,076
Operating profit (loss)9901€32,076
Financial income75/76B€133
Recurring financial income75€133
Financial charges65/66B€666
Recurring financial charges65€666
Profit (loss) for the period before taxes9903€31,543
Income taxes67/77€6,313
Profit (loss) for the period9904€25,230
Profit (loss) for the period to be appropriated9905€25,230
Appropriation of the result
Profit (loss) to be appropriated9906€25,230

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Gross operating margin9900€32,076
Operating profit (loss)9901€32,076
Financial income75/76B€133
Recurring financial income75€133
Financial charges65/66B€666
Recurring financial charges65€666
Profit (loss) for the period before taxes9903€31,543
Income taxes67/77€6,313
Profit (loss) for the period9904€25,230
Profit (loss) for the period to be appropriated9905€25,230
Line2025
Assets
Total assets20/58€79,955
Current assets29/58€79,955
Amounts receivable within one year40/41€74,503
Trade receivables40€69,292
Other amounts receivable41€5,211
Cash at bank and in hand54/58€5,131
Deferred charges and accrued income490/1€321
Equity and liabilities
Total equity and liabilities10/49€79,955
Equity10/15€25,230
Profit (loss) carried forward14€25,230
Amounts payable17/49€54,725
Amounts payable within one year42/48€54,725
Trade debts44€48,412
Suppliers440/4€48,412
Taxes, remuneration and social security45€6,313
Taxes450/3€6,313
Line2025
Profit (loss) for the period9904€25,230
Operating cash flow (approximation)€25,230

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 16-07-2026 2026-00330920

Similar companies · same sector, comparable size

Of the 29,213 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,159. 12,220 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, no change since 2025
MARIAN Albert
Director (not named in the articles) · since 30-01-2025
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

1 person since 2025, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
MARIAN Albert
  • Director (not named in the articles), from 30-01-2025 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 30-01-2025 ↗
  • MARIAN Albert-Petrut 100 shares (100%) · €1,500

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 30-01-2025 Incorporation · €1,500 · 100 shares

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

AMC Construct was incorporated on 28 January 2025 as a private limited company by one natural person, with a starting capital of €1,500.12 Since 2025, MARIAN Albert has served as director of the company.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 30-01-2025
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
16-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
30-01
Gazette deed Incorporation
Appointment: MARIAN Albert (director) · Founder · Founding capital9 facts ▸
  • Incorporation, “AMC Construct” (deed in Dutch)
  • Founder, MARIAN Albert-Petrut
  • Founding capital, €1,500
  • Capital
  • Registered office clause, “Driesstraat 52,1790 Affligem, elke communicatie via dit adres door aandeelhouders,houders van effecten en houders van certificaten geacht geldig gebeurd” (deed in Dutch)
  • Board rule, 1
  • Director appointment, MARIAN Albert (director (not named in the articles))
  • Other provision, “afwezigheid bestuursverbod, Centraal register van bestuursverboden en Belgisch Staatsblad” (deed in Dutch)
  • Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en alle activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded28-01-2025
Financial year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43120Site preparation
43240Other construction installation
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:1019270159
Also 9925:BE1019270159
Registered 02-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 23 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1019.270.159

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Affligem · 1 establishment unit since 2025
registered office establishment The establishment unit on the map
Ground area
218 m²
Building footprint
129 m²
Building volume
795 m³
Parcel 23085A0589/00E002, Flanders · tallest building 8.2 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
AMC Construct
Driesstraat 52, 1790 AffligemGeneral construction of residential buildings
since 2025unit no. 2.370.185.003
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
23085A0589/00E002 Flanders 218 m² 1 · 129 m² 8.2 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Het ontwerpen,opmaken en uitwerken van alle studies,plannen en projecten aangaande alle bouwactiviteiten; Algemene bouwwerkzaamheden…” (deed in Dutch)
7 activities (deed in Dutch)
  1. Het ontwerpen,opmaken en uitwerken van alle studies,plannen en projecten aangaande alle bouwactiviteiten.
  2. Algemene bouwwerkzaamheden: bouwnijverheid,slopen en optrekken van gebouwen in ruime zin,het bouwrijp maken van terreinen,grondverzet,het ruimen van bouwterreinen,graven,ophogen,egaliseren en nivelleren van bouwterreinen,civieltechnische werken,bouwen en renoveren van onder meer individuele huizen,andere residentiële gebouwen,kantoorgebouwen,appartementen,gebouwen voor industrieel of commercieel gebruik,van stel- en stapelplaatsen,scholen,ziekenhuizen,van gebouwen voor de beoefening van erediensten,cultuur,sport,onderneming voor het bouwen van funderingen,voor het uitoefenen van metselwerk,tegels zetten,sanitair en andere bouw-,en elektrische installaties plaatsen,waaronder alarminstallaties tegen diefstal.
  3. Isolatiewerkzaamheden,het aanbrengen in gebouwen en andere bouwwerken voorzien van thermisch isolatiemateriaal,isolatiemateriaal tegen geluid en trillingen,isolatiewerkzaamheden aan verwarmingsleidingen en leidingen van koelsystemen,Loodgieterswerk,Installatie van verwarming,klimaatregeling en ventilatie.
  4. Vloer-,en muurbedekking,stukadoorswerken,arduin-,en marmerwerken,timmer-,en schrijnwerk,glaswerk,schilder-,en behangwerk,centrale verwarming,lood-,en zinkwerk,elektrische installatie,metaalbewerking en metalen kunstwerken,restauratiewerken,alle grondwerken,leggen van kabels en diverse leidingen,spoorlijnwerken,wegenwerken en bouw van niet metalen kunstwerken,aanleg en onderhoud van diverse terreinen en overig loodgieterswerk.
  5. Schoonmaakwerkzaamheden zowel in de privé als ondernemerssector,inclusief de industriële reiniging,het reinigen van het interieur van allerlei gebouwen zoals kantoren,fabrieken,winkels,scholen,appartementsgebouwen,maar ook het lappen van ramen,het schoorsteenvegen,en het schoonmaken van vuurplaatsen,kachels,ovens,ketels van centrale verwarming,ventilatiekanalen en uitlaatsystemen,het desinfecteren en het bestrijden van ongedierte,het reinigen van treinen,bussen,vliegtuigen,schepen,en dergelijke meer.
  6. De aankoop en verkoop,huur en verhuur,import en export,handel in alle schoonmaakproducten en van machines voor bouwnijverheid.
  7. Hoofdactiviteit : Bouw

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
AMC Construct
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaamse Gewest, kan bij enkel besluit van het bestuursorgaan administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren…” (deed in Dutch)

deed of 30-01-2025

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
Each director alone
Board ruleHow the board is made up, meets and takes decisions.
“ARTIKEL TIEN, overblijvende bestuurders bij collegiaal orgaan bij openvallen voor einde mandaat” (deed in Dutch)
“ARTIKEL TWAALF, algemene kosten” (deed in Dutch)

deed of 30-01-2025

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“Op naam, ARTIKEL ACHT” (deed in Dutch)
Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Helft overdrager helft kopers naar evenredigheid aantal, elke overdracht onder levenden ten bezwarende-kosteloze titel vrijwillig-gedwongen…” (deed in Dutch)

deed of 30-01-2025

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Last Thursday of June at 18:00

deed of 30-01-2025

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor
Dissolution ruleWhen and by whom the company can be dissolved.
“Beslissing algemene vergadering beslissende in vormen vereist voor statutenwijziging, op elk moment” (deed in Dutch)
1 more provision on this in the deed
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Ontbinding om welke reden en op welk ogenblik ook, een of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen” (deed in Dutch)

deed of 30-01-2025

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Stortingsplicht op aandelen, bestuurder(s)/bestuursorgaan” (deed in Dutch)
Other provision: “Naar evenredigheid van aantal bezeten aandelen, recht van voorkeur bij inbreng in geld met uitgifte van nieuwe aandelen” (deed in Dutch)
Other provision: “Op naam, aard van de andere effecten” (deed in Dutch)
Other provision: “Ondeelbaarheid van de effecten, ARTIKEL NEGEN BIS” (deed in Dutch)
Other provision: “Één of meerdere commissarissen, controle van de vennootschap” (deed in Dutch)
Other provision: “ARTIKEL VIJFTIEN, bij authentieke akte te verlijden besluiten” (deed in Dutch)
Other provision: “Telecommunicatietechnieken die collectieve beraadslaging mogelijk maken, Algemene vergaderingen op afstand” (deed in Dutch)
Other provision: “ARTIKEL ZESTIEN, rechten niet geschorst” (deed in Dutch)
Other provision: “Bestuurder,bij gebrek aanwezige aandeelhouder met meeste aandelen,bij pariteit oudste, ARTIKEL ZEVENTIEN” (deed in Dutch)
Other provision: “ARTIKEL ACHTTIEN, meerderheid van stemmen ongeacht vertegenwoordigde effecten tenzij wet of statuten anders” (deed in Dutch)
Other provision: “Bestuursorgaan, verdaging algemene vergadering” (deed in Dutch)
Other provision: “Bestemming nettowinst reserves, bestuursorgaan” (deed in Dutch)
Liquidation distribution: “Nog in natura voorhanden goederen op zelfde wijze verdeeld, na aanzuivering schulden,lasten,kosten of consignatie nodige sommen” (deed in Dutch)
Other provision: “Uitvoering statuten,mededelingen,aanmaningen,dagvaardingen,betekeningen, woonstkeuze” (deed in Dutch)
Other provision: “Niet-geldig afwijkende bepalingen Wetboek van Vennootschappen en Verenigingen geacht ingeschreven, gemeen recht” (deed in Dutch)
2 more provisions in the deed, see the deed of 30-01-2025

deed of 30-01-2025