Turnover
≈ €41,000 estimated
The micro format states no turnover.
AMCF IMMO
Overview
Lifetime
2 annual accounts with figures on one time axispeak €15,337 (2025)
€15,337▲ 28.4%
lowest -€3,756 (2025)
-€3,756▼ €11,392
peak €10,636 (2024)
€6,880▼ 35.3%
€214,658▼ 2.5%
Board1 name since 2024
1 directorLEFEVRE Cédric Serge Ghislain
Documentsfilings and deeds
20-08-202620 days late
2025micro format
Gross margin from €11,948 to €15,337Loss of €3,756Equity from €10,636 to €6,880Cash from €8,012 to €64
Key points
from the 2025 annual accountsDebts
€214,658 97% of the balance sheet
Financial debts 82%Suppliers 0%Taxes and wages 2%Other 15%
Of this, €38,389 falls due within a year.
Starting capital
€3,000 100 shares
2025 accounts filed 20 days after the deadline
Checked score
51
Fair
Financially stronger than 26% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 1.1%lowest value
08-2025: 1.1%● unchanged vs 07-2025
09-2025: 1.1%● unchanged vs 08-2025
10-2025: 1.4%▲ +0.3 percentage points vs 09-2025
11-2025: 1.4%● unchanged vs 10-2025
12-2025: 1.4%● unchanged vs 11-2025
01-2026: 1.4%● unchanged vs 12-2025
02-2026: 1.5%▲ +0.1 percentage points vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026
04-2026: 1.5%● unchanged vs 03-2026
05-2026: 1.5%● unchanged vs 04-2026
06-2026: 1.5%● unchanged vs 05-2026
07-2026: 1.6%▲ +0.1 percentage points vs 06-2026
08-2026: 2.2%▲ +0.6 percentage points vs 07-2026
09-2026: 2.6%▲ +0.4 percentage points vs 08-2026highest value
10-2026: 2.6%● unchanged vs 09-2026highest value
11-2026: 2.6%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.00, cash €64, halved
No registered site in the KBO
lowers risk
Sector: Real estate activities (NACE 68)
Size: total assets €221,538
Calculation
The band follows from the bankruptcy probability. 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 68, micro). It does better than 24% of them on solvency, 40% on liquidity, 27% on profitability and 15% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,301 companies had the same profile as AMCF IMMO has now. Each dot stands for 4 companies, two years later.
92.5%
were still trading
1.6%
stopped another way
5.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AMCF IMMO itself: 2.6% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,301 companies, not a prediction for AMCF IMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 17199 sector peers (2025).
NBB · sector comparisonPosition among 17199 sector peers
Solvency
better than 25%
← weakest
strongest →
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 20 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
20 days late
2024
39 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 30 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010244409
Incorporation
Founding capital of €3,000, 100 shares · Founder: LEFEVRE Cédric Serge Ghislain · Appointment: LEFEVRE Cédric Serge Ghislain (director) · published on 13-06-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AMCF IMMO Andenne | €221,538 | €15,337 | 3.1% | - |
| ASCLEPIAS Thuin | €250,658 | €14,449 | -15.5% | - |
| BELCOAST HOLIDAY HOMES Middelkerke | €203,479 | €18,549 | 26.8% | - |
| Area Hoboken Antwerp | €195,043 | €18,685 | 21.1% | - |
| CHAMPACCA Fernelmont | €299,010 | €11,879 | -9.5% | - |
| PISUKE IMMO Waterloo | €226,351 | €12,458 | -0.1% | - |
| MCT Potatoes Maldegem | €189,395 | €21,934 | 88.2% | - |
These companies have the same main activity as AMCF IMMO: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €189,000 and €299,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 11-06-2024Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 5 others
- Financial year end
- 31 December
- Peppol
- Reachable since 20-02-2026
Annual accounts 2025
- €15,337▲ 28.4%
- €3,756
- €6,880▼ 35.3%
- €221,538▼ 4.0%
- Filing
- Filed on 20-08-2026
Insights on AMCF IMMO
The computed 12-month bankruptcy probability of AMCF IMMO is 2.6% (moderate). The 2025 annual accounts show equity of €6,880 and a net result of -€3,756.
Its solvency ranks better than 25% of 17,199 sector peers (NACE 68, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 20-08-2026, 20 days late€15,337
▲ 28.4%
€5,185
▼ 52.5%
-€3,756
▼ €11,392
-€38,324
▲ €15,646
3.1%
▼ 1.5 percentage points
0.00
▼ 0.14
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €41,000. Estimated: probably between €27,000 and €66,000.
Balance sheet
balance sheet total €221,538 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
3.1%
Higher than 25% of 17,199 companies in 2025.
0.00
Lower than 95% of 16,496 companies in 2025.
-1.7%
Higher than 27% of 16,875 companies in 2025.
AMCF IMMO
Middle half of the sector
80% of the sector
Micro accounts in real estate (NACE 68)
Net result: middle half · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
221,538 | 230,696 | |
20 |
16,721 | 16,721 | |
21/28 |
204,753 | 204,843 | |
22/27 |
204,753 | 204,843 | |
22 |
186,148 | 184,890 | |
23 |
5,503 | 5,904 | |
24 |
13,102 | 14,049 | |
29/58 |
64 | 9,132 | |
40/41 |
- | 825 | |
41 |
- | 825 | |
54/58 |
64 | 8,012 | |
490/1 |
- | 295 | |
| Balance sheet: equity and liabilities | |||
10/49 |
221,538 | 230,696 | |
10/15 |
6,880 | 10,636 | |
10/11 |
3,000 | 3,000 | |
14 |
3,880 | 7,636 | |
17/49 |
214,658 | 220,060 | |
17 |
176,270 | 156,912 | |
170/4 |
176,270 | 156,912 | |
42/48 |
38,389 | 63,102 | |
42 |
10,138 | 9,686 | |
44 |
820 | 12,719 | |
440/4 |
820 | 12,719 | |
45 |
4,584 | 1,909 | |
450/3 |
4,584 | 1,909 | |
47/48 |
22,846 | 38,789 | |
492/3 |
- | 46 | |
| Income statement | |||
9900 |
15,337 | 11,948 | |
630 |
10,151 | 1,028 | |
9901 |
5,185 | 10,920 | |
75/76B |
- | 5 | |
75 |
- | 5 | |
65/66B |
8,941 | 1,380 | |
65 |
8,941 | 1,380 | |
9903 |
-3,756 | 9,545 | |
67/77 |
- | 1,909 | |
9904 |
-3,756 | 7,636 | |
9905 |
-3,756 | 7,636 | |
| Appropriation of the result | |||
9906 |
3,880 | 7,636 | |
14P |
7,636 | - | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 20-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 20 days after the deadline. Filed on 20 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00414346.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 15,337 | 11,948 | ||
| 6,395 | 8,664 | ||
| 10,061 | 205,871 | ||
| -7,948 | - | ||
| -38,324 | -53,970 | ||
| 3.1% | 4.6% | ||
| 0.00 | 0.14 | ||
| 31.20 | 20.69 | ||
| -54.6% | 71.8% | ||
| -1.7% | 3.3% | ||
| 1.72 | 8.66 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €10,061 | €205,871 |
| €10,151 | €1,028 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on AMCF IMMO
The operating result for 2025 is 53% lower than in 2024.
Debt's share of the balance-sheet total rises from 95.4% to 96.9%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 13-06-2024
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”deed of 13-06-2024
Mandates through the years
1 name, the dashed line is todayLEFEVRE Cédric Serge Ghislain
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- LEFEVRE Cédric Serge Ghislain
- Director (not named in the articles), appointed by deed of 13-06-2024, still in office
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €68.80 in 2025
- Source
- deed of 13-06-2024
Articles of association
deed of 13-06-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Article 9, tenus de solliciter agrément selon mêmes formalités s'ils ne deviennent pas de plein droit actionnaires”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of May at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Shareholders
At incorporation
deed of 13-06-2024 ↗
- LEFEVRE Cédric Serge Ghislain 100 shares (100%) · €3,000 in cash
Network & group
No group
AMCF IMMO has no parent and no holdings in its annual accounts. LEFEVRE Cédric Serge Ghislain is the only director. AMCF IMMO shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 20 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1010244409
2025
Annual accounts 2024 filed NBBmicro format · 39 days late
2024
IncorporationFounding capital of €3,000, 100 shares · Founder: LEFEVRE Cédric Serge Ghislain · Appointment: LEFEVRE Cédric Serge Ghislain (director) · published on 13-06-20246 points ▸
- Founder, LEFEVRE Cédric Serge Ghislain
- Founding capital, €3,000, 100 shares
- 100 shares
- Registered office clause, Rue Sicile 4A à 5300 Namêche
- Board rule, 1
- Director appointment, LEFEVRE Cédric Serge Ghislain (director (not named in the articles))
- The deed holds 5 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
AMCF IMMO was incorporated on 11 June 2024 as a private limited company by one natural person, with a starting capital of €3,000.12 LEFEVRE Cédric Serge Ghislain is director of the company, appointed by deed of 13-06-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1010.244.409
- VAT number
- BE 1010.244.409
- Peppol ID
- 0208:1010244409
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 11-06-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of May at 18:00deed of 13-06-2024 (in French)
- Peppol
- Reachable since 20-02-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- AMCF IMMO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 13-06-2024 (in French)
Activities
NACEBEL 202568201
Renting and operating of own or leased residential real estate, excluding social housing main activity
43320
Joinery installation
Codes under NACEBEL 2008
68201
Real estate activities main activity
25110
Manufacture of metal structures and parts of structures
43299
Specialised construction activities
43320
Joinery installation
45209
55203
Holiday cottages, homes and apartments
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'entreprise générale de construction de bâtiments ou infrastructures au sens large,ainsi que tous types de travaux de…”deed of 13-06-2024 (in French)
22 activities
- L'entreprise générale de construction de bâtiments ou infrastructures au sens large,ainsi que tous types de travaux de construction,réfection ou entretien de voiries ou d'infrastructures y afférentes au sens large.
- Toutes opérations immobilières généralement quelconques,dans le sens le plus large,notamment l'aliénation (achat,vente,cession,acquisition par voie d'apport,fusion/absorption,etc),la réalisation,la conception,les études,la coordination,l'expertise,l'échange,le lotissement,l'aménagement,la promotion,la restauration,la transformation,la division horizontale et verticale,la mise sous le régime de la copropriété,la viabilisation,l'exploitation et la mise en valeur ainsi que la location,la sous-location,le leasing,la cession de bail et la gestion d'immeubles (bâtis ou non bâtis,ruraux,urbains,agricoles,industriels,forestiers ou autres) et de meubles,de droits immobiliers ou de fonds de commerce,la mise en valeur et la gestion de tous biens immeubles et en général l'exécution de toutes opérations immobilières,l'étude et l'exécution de toute opération en relation avec tout droit immobilier par nature,par incorporation ou par destination ; elle pourra donner en location ses installations et exploitations ou les donner à gérer à des tiers,en tout ou en partie.
- La fabrication de structures métalliques et de parties de structures ;
- La fabrication de portes et de fenêtres en métal ;
- La fabrication d'autres réservoirs,citernes et conteneurs métalliques ;
- L’usinage ;
- Tous travaux de menuiserie
- Toutes autres activités de construction spécialisées ;
- Le commerce de détail de véhicules automobiles pour le transport des personnes,y compris les véhicules automobiles spéciaux (p.ex. ambulances),neufs ou usagés ;
- L’entretien et réparation général de voitures et de véhicules légers ( 3,5 tonnes) ;
- La révision du moteur des véhicules automobiles ;
- La réparation de carrosseries ( y compris la peinture ) ;
- Le montage de pièces et d'accessoires,y compris les travaux de transformation ;
- Le commerce de détail de pneumatiques ;
- L’entretien,la réparation et le commerce de détail de motocycles,y compris les pièces et accessoires ;
- Les transports routiers de fret,sauf services de déménagement ;
- La location et location-bail de voitures et de véhicules automobiles légers (< 3,5 tonnes) ;
- La location et location-bail de machines-outils,de matériel et d'outils à main pour le bricolage ;
- La location et la location-bail de camions et d'autres véhicules automobiles lourds (> 3,5 tonnes) ;
- La location et la location-bail de conteneurs à usage de bâtiment ;
- La location et location-bail d'autres machines,équipements et biens matériels ;
- La location et location-bail de machines et équipements pour la construction.
Registered office and establishments
| Ruelle Sicile 4 registered office 5300 Andenne |
Invoicing and payment
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. Use the enterprise number 1010.244.409