AMCO
ActiveSummary
AMCO has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €198,582 and a net result of €36,904. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 9294 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability91▲+6
Solvency100▲+14
Growth25▲+3
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.93 against 1.89 in 2024; short-term debt: 24.6% and cash: 71.1% of total assets), and 24.6% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
75.4%
Return on assets
14%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
20 d late
2023
26 d late
2022
21 d late
2021
40 d late
2020
36 d early
2019
75 d late
← 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 25 days after 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
In the rankings
#9 oldest company in Charleroi, Real estate sector
Turnover
€60,266▲ 13.9%
2024 · €52,902
EBIT margin
71.8%▲ 3.9pp
2024 · 67.9%
Net result
€36,904▲ 78.9%
2024 · €20,629
Working capital
€125,131▲ 18.8%
2024 · €105,297
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€48,070▼ 11.0%€58,733▲ 22.2%€52,902€60,266▲ 13.9%
Operating result€9,521▼ 54.0%€31,426▲ 230%€47,011▲ 49.6%€35,903▼ 23.6%€43,274▲ 20.5%
Net result€3,322▼ 67.9%€23,396▲ 604%€31,635▲ 35.2%€20,629▼ 34.8%€36,904▲ 78.9%
EBIT margin19.8%▼ 18.5pp53.5%▲ 33.7pp67.9%71.8%▲ 3.9pp
Equity€136,018▼ 16.4%€159,414▲ 17.2%€191,049▲ 19.8%€181,678▼ 4.9%€198,582▲ 9.3%
Total assets€325,026▼ 2.0%€286,566▼ 11.8%€295,290▲ 3.0%€300,234▲ 1.7%€263,494▼ 12.2%
Debt€189,008▲ 11.9%€127,152▼ 32.7%€104,241▼ 18.0%€118,556▲ 13.7%€64,912▼ 45.2%
Working capital€45,333▼ 43.0%€63,692▲ 40.5%€106,891▲ 67.8%€105,297▼ 1.5%€125,131▲ 18.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263,494
Fixed assets
€73,451 ▼ 3.8%
Current assets
€190,043 ▼ 15.1%
Equity and liabilities €263,494
Equity
€198,582 ▲ 9.3%
Debt
€64,912 ▼ 45.2%
Debt's share of the balance-sheet total falls from 39.5% to 24.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46,204▲
2024 · €44,670
Cash flow
€39,834▲
2024 · €29,396
Current ratio
2.93▲
2024 · 1.89
Debt to equity
0.33▼
2024 · 0.65
ROE
18.6%▲
2024 · 11.4%
ROA
14.0%▲
2024 · 6.9%
Interest coverage
23102.00▲
2024 · 184.59
Debt ≤ 1 year
€64,912▼
2024 · €118,556
Income taxes
€11,556▼
2024 · €15,032
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 31,324 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €48,070 | €58,733 | - | €52,902 | €60,266 | ▲ 13.9% |
| Goods, raw materials, services and sundry goods60/61 | €18,578 | €6,817 | - | €3,782 | €5,596 | ▲ 48.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,945 | €12,945 | €12,944 | €8,767 | €2,930 | ▼ 66.6% |
| Other operating charges640/8 | €7,026 | €7,545 | €3,787 | €4,450 | €8,466 | ▲ 90.2% |
| Gross operating margin9900 | €29,492 | €51,916 | €63,742 | €49,120 | €54,670 | ▲ 11.3% |
| Operating profit (loss)9901 | €9,521 | €31,426 | €47,011 | €35,903 | €43,274 | ▲ 20.5% |
| Financial income75/76B | - | - | - | - | €5,188 | - |
| Recurring financial income75 | - | - | - | - | €5,188 | - |
| Financial charges65/66B | €1,135 | €530 | €287 | €242 | €2 | ▼ 99.2% |
| Recurring financial charges65 | €1,135 | €530 | €287 | €242 | €2 | ▼ 99.2% |
| Profit (loss) for the period before taxes9903 | €8,386 | €30,896 | €46,724 | €35,661 | €48,460 | ▲ 35.9% |
| Income taxes67/77 | €5,064 | €7,500 | €15,089 | €15,032 | €11,556 | ▼ 23.1% |
| Profit (loss) for the period9904 | €3,322 | €23,396 | €31,635 | €20,629 | €36,904 | ▲ 78.9% |
| Profit (loss) for the period to be appropriated9905 | €3,322 | €23,396 | €31,635 | €20,629 | €36,904 | ▲ 78.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €325,026 | €286,566 | €295,290 | €300,234 | €263,494 | ▼ 12.2% |
| Fixed assets21/28 | €110,047 | €97,102 | €84,158 | €76,381 | €73,451 | ▼ 3.8% |
| Tangible fixed assets22/27 | €109,573 | €96,628 | €83,684 | €75,907 | €72,977 | ▼ 3.9% |
| Land and buildings22 | €83,468 | €80,657 | €77,846 | €75,035 | €72,224 | ▼ 3.7% |
| Plant, machinery and equipment23 | - | - | - | €872 | €753 | ▼ 13.6% |
| Other tangible fixed assets26 | €26,105 | €15,971 | €5,838 | - | - | - |
| Financial fixed assets28 | €474 | €474 | €474 | €474 | €474 | = |
| Current assets29/58 | €214,979 | €189,464 | €211,132 | €223,853 | €190,043 | ▼ 15.1% |
| Amounts receivable within one year40/41 | €2,557 | €7,006 | - | €1,377 | €2,651 | ▲ 92.5% |
| Trade receivables40 | - | €5,760 | - | - | €472 | - |
| Other amounts receivable41 | €2,557 | €1,246 | - | €1,377 | €2,179 | ▲ 58.2% |
| Cash at bank and in hand54/58 | €212,422 | €182,458 | €211,132 | €222,476 | €187,392 | ▼ 15.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €325,026 | €286,566 | €295,290 | €300,234 | €263,494 | ▼ 12.2% |
| Equity10/15 | €136,018 | €159,414 | €191,049 | €181,678 | €198,582 | ▲ 9.3% |
| Contributions10/11 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Capital10 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Issued capital100 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Profit (loss) carried forward14 | €111,018 | €134,414 | €166,049 | €156,678 | €173,582 | ▲ 10.8% |
| Amounts payable17/49 | €189,008 | €127,152 | €104,241 | €118,556 | €64,912 | ▼ 45.2% |
| Amounts payable after more than one year17 | €19,362 | - | - | - | - | - |
| Financial debts170/4 | €19,362 | - | - | - | - | - |
| Amounts payable within one year42/48 | €169,646 | €125,772 | €104,241 | €118,556 | €64,912 | ▼ 45.2% |
| Trade debts44 | €20,002 | €15,768 | €17,151 | €12,152 | €9,991 | ▼ 17.8% |
| Suppliers440/4 | €20,002 | €15,768 | €17,151 | €12,152 | €9,991 | ▼ 17.8% |
| Taxes, remuneration and social security45 | - | - | €11,686 | - | - | - |
| Taxes450/3 | - | - | €11,686 | - | - | - |
| Other amounts payable47/48 | €149,644 | €110,004 | €75,404 | €106,404 | €54,921 | ▼ 48.4% |
| Accrued charges and deferred income492/3 | - | €1,380 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,322 | €23,396 | €31,635 | €20,629 | €36,904 | ▲ 78.9% |
| + Depreciation and write-downs630 | €12,945 | €12,945 | €12,944 | €8,767 | €2,930 | ▼ 66.6% |
| Operating cash flow (approximation) | €16,267 | €36,341 | €44,579 | €29,396 | €39,834 | ▲ 35.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€990 | €0 | ▲ 100% |
| Change in cash | - | -€29,964 | €28,674 | €11,344 | -€35,084 | ▼ 409% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Equity above €150,000Eq €159,414 ▲17.2%
5 profitable years in a row build equity to €159,414.
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
2021
31-12
Financial
Weakest financial yearnet €3,322 ▼67.9%
Net result drops to €3,322, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 75 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
6 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, Charleroi · 1 establishment unit since 1976
Ground area
1,133 m²
Building footprint
274 m²
Volume, LiDAR
4,861 m³
2 parcels, Wallonia · tallest building 24.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Basson 18, 6001 Charleroi
since 19762.012.755.146
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52045A0261/00L009 | Wallonia | 768 m² | 1 · 117 m² | 12.7 m · 4 fl. |
| 52011C0103/00Z000 | Wallonia | 366 m² | 1 · 158 m² | 24.1 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
AGEDIF
BE 0808.258.042
Vilvoorde · Eq €198,215
IMMO VERCRUYSSE
BE 0874.485.088
Evergem · Eq €198,986
DREAM ESTATE COSTA BLANCA
BE 0801.555.045
Knokke-Heist · Eq €198,132
AKILA CONSULTING
BE 0799.745.303
Linkebeek · Eq €197,889
AGENCE IMMOBILIERE SOCIALE D'UCCLE
BE 0469.541.069
Ukkel · Eq €199,421
Of 11,756 companies in sector 68310 we hold annual accounts for 6,907. 5,187 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
Founded27-09-1976
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0416552840
Also
9925:BE0416552840
Registered
08-04-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.