AMEJARD
ActiveAMEJARD has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-34k) and a net result of €-30k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
7
/ 100
Critical▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency34▼-2
Growth32=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.51 against 0.64 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-16.7%
Return on assets
-14.8%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€34k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
147 d early
2023
156 d early
2022
1 d early
2021
23 d late
2020
23 d late
2019
31 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-34k▼ 773%
2024 · €-4k
2018: €27k
2019: €12k
2020: €-27k
2021: €-22k
2022: €-25k
2023: €-10k
2024: €-4k
2018 → 2025
Total assets
€206k▲ 32.3%
2024 · €156k
2018: €153k
2019: €143k
2020: €117k
2021: €103k
2022: €106k
2023: €144k
2024: €156k
2018 → 2025
Net result
€-30k
2024 · €6k
2018: €8k
2019: €-16k
2020: €-39k
2021: €5k
2022: €-3k
2023: €16k
2024: €6k
2018 → 2025
Working capital
€-93k▼ 85.4%
2024 · €-50k
2018: €-15k
2019: €-29k
2020: €-69k
2021: €-68k
2022: €-66k
2023: €-43k
2024: €-50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-22k-€-25k▼ 15.5%€-10k▲ 61.5%€-4k▲ 59.5%€-34k▼ 773%
Operating result€12k-€-6k€21k€15k▼ 28.6%€-23k
Net result€5k-€-3k€16k€6k▼ 62.8%€-30k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €23k after €15k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€109k▲ 62.8%
Current assets
€97k▲ 9.1%
Key figures and ratios
EBITDA
€-5k▼
2024 · €31k
Cash flow
€-12k▼
2024 · €22k
Solvency
-16.7%▼
2024 · -2.5%
Current ratio
0.51▼
2024 · 0.64
Quick ratio
0.30▼
2024 · 0.39
Debt / equity
-7.00▲
2024 · -40.60
ROE
88.6%▲
2024 · -146.8%
ROA
-14.8%▼
2024 · 3.7%
Interest coverage
-0.59▼
2024 · 4.84
Debt
€240k▲
2024 · €160k
Debt ≤ 1 year
€189k▲
2024 · €139k
Debt > 1 year
€50k▲
2024 · €21k
Staff costs
€199k▲
2024 · €180k
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€156k€206k▲
Fixed assets21/28€67k€109k▲
Tangible fixed assets22/27€67k€109k▲
Land and buildings22€21k€14k▼
Plant, machinery and equipment23€2k€218▼
Furniture and vehicles24€45k€37k▼
Other tangible fixed assets26-€58k
Financial fixed assets28€99€99=
Current assets29/58€89k€97k▲
Stocks and contracts in progress3€35k€40k▲
Stocks30/36€35k€40k▲
Amounts receivable within one year40/41€40k€46k▲
Trade receivables40€27k€38k▲
Other amounts receivable41€13k€8k▼
Cash at bank and in hand54/58€7k€6k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€156k€206k▲
Equity10/15€-4k€-34k▼
Contributions10/11€19k€19k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-33k€-63k▼
Amounts payable17/49€160k€240k▲
Amounts payable after more than one year17€21k€50k▲
Financial debts170/4€21k€50k▲
Amounts payable within one year42/48€139k€189k▲
Current portion of amounts payable after more than one year42€9k€16k▲
Financial debts43€72k€60k▼
Credit institutions430/8€72k€60k▼
Trade debts44€6k€41k▲
Suppliers440/4€6k€41k▲
Taxes, remuneration and social security45€6k€27k▲
Taxes450/3€1k€19k▲
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€46k€46k=
Accrued charges and deferred income492/3-€930
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€180k€199k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€1k€247▼
Gross operating margin9900€215k€197k▼
Operating profit (loss)9901€15k€-23k▼
Financial income75/76B€1€556▲
Recurring financial income75€1€7▲
Non-recurring financial income76B-€548
Financial charges65/66B€9k€8k▼
Recurring financial charges65€6k€8k▲
Non-recurring financial charges66B€3k-
Profit (loss) for the period before taxes9903€6k€-30k▼
Income taxes67/77€15-
Profit (loss) for the period9904€6k€-30k▼
Profit (loss) for the period to be appropriated9905€6k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-63k▼
Profit (loss) brought forward from the previous period14P€-38k€-33k▲
The notes to these accounts (8 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 2001
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.
Rue des Verreries 636040 CharleroiGround area
6,609 m²
Building footprint
42 m²
Volume, LiDAR
252 m³
2 parcels, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Bas(H) 82, 6220 Fleurus
since 20012.098.673.687
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034B1260/00X012 | Wallonia | 6,247 m² | - | - |
| 52032A0093/00S000 | Wallonia | 362 m² | 1 · 42 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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
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G.L.B.
BE 0453.641.383
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Thomas & Thomas
BE 1013.354.347
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DIP.S
BE 0790.452.307
Zaventem · Eq €12k
GOMES
BE 0459.409.816
Charleroi · Eq €12k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,859. 9,730 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2001
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43331Floor and wall tiling
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.