AMC VIRTUS
ActiveSummary
AMC VIRTUS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €309,470 and a net result of €37,014. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 14284 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 4.81 against 3.74 in 2024; short-term debt: 14.5% and cash: 21.4% of total assets), and 14.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
85.5%
Return on assets
10.2%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
3 d early
2023
on the day
2022
on the day
2021
23 d early
2020
3 d late
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€309,470▲ 13.6%
2024 · €272,456
Total assets
€361,857▲ 11.3%
2024 · €325,120
Net result
€37,014▼ 29.4%
2024 · €52,427
Working capital
€199,584▲ 38.4%
2024 · €144,160
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€72,994▲ 3.4%€48,150▼ 34.0%€48,694▲ 1.1%€61,513▲ 26.3%€44,602▼ 27.5%
Net result€67,985above the sector's middle half▲ 29.4%€20,873within the sector's middle half▼ 69.3%€37,662above the sector's middle half▲ 80.4%€52,427above the sector's middle half▲ 39.2%€37,014above the sector's middle half▼ 29.4%
Equity€161,495within the sector's middle half▲ 44.8%€182,367within the sector's middle half▲ 12.9%€220,030within the sector's middle half▲ 20.7%€272,456within the sector's middle half▲ 23.8%€309,470above the sector's middle half▲ 13.6%
Total assets€245,576within the sector's middle half▲ 36.0%€246,350within the sector's middle half▲ 0.3%€275,941within the sector's middle half▲ 12.0%€325,120within the sector's middle half▲ 17.8%€361,857within the sector's middle half▲ 11.3%
Debt€84,082▲ 21.8%€63,982▼ 23.9%€55,911▼ 12.6%€52,664▼ 5.8%€52,387▼ 0.5%
Working capital€86,085within the sector's middle half▲ 97.0%€109,503within the sector's middle half▲ 27.2%€155,092above the sector's middle half▲ 41.6%€144,160above the sector's middle half▼ 7.0%€199,584above the sector's middle half▲ 38.4%
Solvency65.8%above the sector's middle half▲ 4.0pp74.0%above the sector's middle half▲ 8.3pp79.7%above the sector's middle half▲ 5.7pp83.8%above the sector's middle half▲ 4.1pp85.5%above the sector's middle half▲ 1.7pp
Current ratio2.02within the sector's middle half▲ 0.392.71within the sector's middle half▲ 0.693.77above the sector's middle half▲ 1.063.74above the sector's middle half▼ 0.044.81above the sector's middle half▲ 1.07
Return on assets (ROA)27.7%above the sector's middle half▼ 1.4pp8.5%above the sector's middle half▼ 19.2pp13.6%above the sector's middle half▲ 5.2pp16.1%above the sector's middle half▲ 2.5pp10.2%above the sector's middle half▼ 5.9pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361,857
Fixed assets
€109,886 ▼ 14.3%
Current assets
€251,970 ▲ 28.0%
Equity and liabilities €361,857
Equity
€309,470 ▲ 13.6%
Debt
€52,387 ▼ 0.5%
Debt's share of the balance-sheet total falls from 16.2% to 14.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69,218▼
2024 · €73,914
Cash flow
€61,630▼
2024 · €64,828
Debt to equity
0.17▼
2024 · 0.19
ROE
12.0%▼
2024 · 19.2%
Interest coverage
502.67▲
2024 · 400.90
Debt ≤ 1 year
€52,387▼
2024 · €52,664
Income taxes
€16,036▼
2024 · €18,310
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% 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 34,696 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €29,278 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,259 | €9,579 | €9,868 | €12,402 | €24,616 | ▲ 98.5% |
| Other operating charges640/8 | €1,279 | €1,386 | €1,859 | €1,222 | €746 | ▼ 38.9% |
| Gross operating margin9900 | €83,532 | €59,116 | €60,421 | €75,136 | €69,964 | ▼ 6.9% |
| Operating profit (loss)9901 | €72,994 | €48,150 | €48,694 | €61,513 | €44,602 | ▼ 27.5% |
| Financial income75/76B | €17,819 | €5 | €6,433 | €9,408 | €8,585 | ▼ 8.7% |
| Recurring financial income75 | €17,819 | €5 | €6,433 | €9,408 | €8,585 | ▼ 8.7% |
| Financial charges65/66B | €86 | €12,162 | €155 | €184 | €138 | ▼ 25.3% |
| Recurring financial charges65 | €86 | €12,162 | €155 | €184 | €138 | ▼ 25.3% |
| Profit (loss) for the period before taxes9903 | €90,727 | €35,994 | €54,972 | €70,737 | €53,050 | ▼ 25.0% |
| Income taxes67/77 | €22,742 | €15,121 | €17,310 | €18,310 | €16,036 | ▼ 12.4% |
| Profit (loss) for the period9904 | €67,985 | €20,873 | €37,662 | €52,427 | €37,014 | ▼ 29.4% |
| Profit (loss) for the period to be appropriated9905 | €67,985 | €20,873 | €37,662 | €52,427 | €37,014 | ▼ 29.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €245,576 | €246,350 | €275,941 | €325,120 | €361,857 | ▲ 11.3% |
| Fixed assets21/28 | €75,409 | €72,865 | €64,938 | €128,296 | €109,886 | ▼ 14.3% |
| Tangible fixed assets22/27 | €75,409 | €72,865 | €64,938 | €128,296 | €109,886 | ▼ 14.3% |
| Land and buildings22 | - | - | - | €7,217 | €6,714 | ▼ 7.0% |
| Plant, machinery and equipment23 | €8,504 | €14,059 | €12,306 | €10,553 | €12,856 | ▲ 21.8% |
| Furniture and vehicles24 | €63,245 | €55,146 | €48,972 | €106,866 | €86,657 | ▼ 18.9% |
| Other tangible fixed assets26 | €3,660 | €3,660 | €3,660 | €3,660 | €3,660 | = |
| Current assets29/58 | €170,167 | €173,485 | €211,004 | €196,824 | €251,970 | ▲ 28.0% |
| Amounts receivable within one year40/41 | €4,050 | €4,050 | - | - | €39,469 | - |
| Trade receivables40 | €4,050 | €4,050 | - | - | €28,325 | - |
| Other amounts receivable41 | - | - | - | - | €11,144 | - |
| Current investments50/53 | €77,807 | €64,208 | €69,620 | €76,983 | €133,779 | ▲ 73.8% |
| Cash at bank and in hand54/58 | €86,588 | €103,830 | €139,388 | €118,697 | €77,273 | ▼ 34.9% |
| Deferred charges and accrued income490/1 | €1,722 | €1,397 | €1,996 | €1,144 | €1,449 | ▲ 26.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €245,576 | €246,350 | €275,941 | €325,120 | €361,857 | ▲ 11.3% |
| Equity10/15 | €161,495 | €182,367 | €220,030 | €272,456 | €309,470 | ▲ 13.6% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €51,860 | €72,733 | €110,395 | €162,822 | €199,835 | ▲ 22.7% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €50,000 | €70,873 | €108,535 | €160,962 | €197,975 | ▲ 23.0% |
| Profit (loss) carried forward14 | €103,435 | €103,435 | €103,435 | €103,435 | €103,435 | = |
| Amounts payable17/49 | €84,082 | €63,982 | €55,911 | €52,664 | €52,387 | ▼ 0.5% |
| Amounts payable within one year42/48 | €84,082 | €63,982 | €55,911 | €52,664 | €52,387 | ▼ 0.5% |
| Trade debts44 | €6,679 | €4,317 | €3,812 | €5,071 | €6,069 | ▲ 19.7% |
| Suppliers440/4 | €6,679 | €4,317 | €3,812 | €5,071 | €6,069 | ▲ 19.7% |
| Taxes, remuneration and social security45 | €55,995 | €54,917 | €48,256 | €47,027 | €46,318 | ▼ 1.5% |
| Taxes450/3 | €54,745 | €53,667 | €47,006 | €43,177 | €46,318 | ▲ 7.3% |
| Remuneration and social security454/9 | €1,250 | €1,250 | €1,250 | €3,850 | - | - |
| Other amounts payable47/48 | €21,408 | €4,748 | €3,844 | €566 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €67,985 | €20,873 | €37,662 | €52,427 | €37,014 | ▼ 29.4% |
| + Depreciation and write-downs630 | €9,259 | €9,579 | €9,868 | €12,402 | €24,616 | ▲ 98.5% |
| Operating cash flow (approximation) | €77,244 | €30,452 | €47,530 | €64,828 | €61,630 | ▼ 4.9% |
| Investment in fixed assets (approximation) | - | -€7,034 | -€1,940 | -€75,760 | -€6,206 | ▲ 91.8% |
| Change in cash | - | €17,242 | €35,557 | -€20,690 | -€41,424 | ▼ 100% |
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
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €220,030 ▲20.7%
6 profitable years in a row build equity to €220,030.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €67,985 ▲29.4%
Operating result €72,994, net result €67,985, both a record.
31-12
Financial
Equity above €150,000Eq €161,495 ▲44.8%
4 profitable years in a row build equity to €161,495.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
31-12
Financial
Equity above €100,000Eq €111,495 ▲89.1%
3 profitable years in a row build equity to €111,495.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Herent · 1 establishment unit since 2007
Ground area
1,162 m²
Building footprint
171 m²
Volume, LiDAR
1,070 m³
Parcel 24423I0038/00L000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AMC Virtus
since 20072.168.357.596
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423I0038/00L000 | Flanders | 1,161 m² | 1 · 171 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 1,293 companies in sector 68122 we hold annual accounts for 903. 596 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
Founded14-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
68122Development of non-residential building projects
62100Computer programming
70200Business and other management consultancy
71111Activities of building architects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0894547757
Registered
06-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.