Summary
AMELGEM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.4m and a net result of €17,732. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 81% of 5565 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 09-07-2026, 22 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
22 d early
2024
6 d early
2023
6 d early
2022
29 d late
2021
2 d early
2020
24 d late
2019
69 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 12 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 company by equity in Meise, Finance and insurance sector#10 company by total assets in Meise, Finance and insurance sector
Equity
€4.4m▲ 0.4%
2024 · €4.4m
Net result
€17,732▲ 175%
2024 · €6,447
Total assets
€5.1m▼ 3.0%
2024 · €5.3m
Solvency
85.8%▲ 2.9pp
2024 · 82.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€21,163▲ 85.1%-€8,030€1,042-€2,394€13,177
Net result€17,245within the sector's middle half▲ 58.0%-€3,748below the sector's middle half€10,252within the sector's middle half€6,447within the sector's middle half▼ 37.1%€17,732within the sector's middle half▲ 175%
Equity€4.3mabove the sector's middle half▲ 0.4%€4.3mabove the sector's middle half▼ 0.1%€4.3mabove the sector's middle half▲ 0.2%€4.4mabove the sector's middle half▲ 0.1%€4.4mabove the sector's middle half▲ 0.4%
Total assets€4.6mabove the sector's middle half▲ 2.3%€4.7mabove the sector's middle half▲ 2.5%€5.0mabove the sector's middle half▲ 5.8%€5.3mabove the sector's middle half▲ 5.2%€5.1mabove the sector's middle half▼ 3.0%
Debt€262,416▲ 49.7%€381,302▲ 45.3%€645,316▲ 69.2%€900,867▲ 39.6%€725,538▼ 19.5%
Working capital€307,651▲ 48.0%€307,658=€308,496▲ 0.3%€351,515▲ 13.9%€215,750▼ 38.6%
Solvency94.3%above the sector's middle half▼ 1.8pp91.9%above the sector's middle half▼ 2.4pp87.1%above the sector's middle half▼ 4.8pp82.9%above the sector's middle half▼ 4.2pp85.8%above the sector's middle half▲ 2.9pp
Staff (FTE)2.6within the sector's middle half▲ 4.0%2within the sector's middle half▼ 23.1%3.5above the sector's middle half▲ 75.0%3.5above the sector's middle half=3.5above the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13,177 after a loss of €2,394 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.1m
Fixed assets
€4.2m ▲ 3.8%
Current assets
€940,302 ▼ 24.8%
Equity and liabilities €5.1m
Equity
€4.4m ▲ 0.4%
Debt
€725,538 ▼ 19.5%
Debt's share of the balance-sheet total falls from 17.1% to 14.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.4%▲
2024 · 0.1%
ROA
0.3%▲
2024 · 0.1%
Debt ≤ 1 year
€724,552▼
2024 · €898,128
Income taxes
€0▲
2024 · -€210
Staff costs
€119,286▲
2024 · €113,639
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €65,890 | €58,514 | €100,339 | €113,639 | €119,286 | ▲ 5.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €82,586 | €82,749 | €81,428 | €81,230 | €91,550 | ▲ 12.7% |
| Other operating charges640/8 | €12,396 | €15,537 | €17,290 | €15,541 | €46,303 | ▲ 198% |
| Gross operating margin9900 | €182,035 | €148,770 | €200,099 | €208,017 | €270,317 | ▲ 29.9% |
| Operating profit (loss)9901 | €21,163 | -€8,030 | €1,042 | -€2,394 | €13,177 | ▲ 651% |
| Financial income75/76B | €5,851 | €10,500 | €33,313 | €41,788 | €32,910 | ▼ 21.2% |
| Recurring financial income75 | €5,851 | €10,500 | €33,313 | €41,788 | €32,910 | ▼ 21.2% |
| Financial charges65/66B | €3,390 | €6,218 | €23,780 | €33,157 | €28,355 | ▼ 14.5% |
| Recurring financial charges65 | €3,390 | €6,218 | €23,780 | €33,157 | €28,355 | ▼ 14.5% |
| Profit (loss) for the period before taxes9903 | €23,625 | -€3,748 | €10,575 | €6,237 | €17,732 | ▲ 184% |
| Income taxes67/77 | €6,380 | €0 | €323 | -€210 | €0 | ▲ 100% |
| Profit (loss) for the period9904 | €17,245 | -€3,748 | €10,252 | €6,447 | €17,732 | ▲ 175% |
| Profit (loss) for the period to be appropriated9905 | €17,245 | -€3,748 | €10,252 | €6,447 | €17,732 | ▲ 175% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.6m | €4.7m | €5.0m | €5.3m | €5.1m | ▼ 3.0% |
| Formation expenses20 | €916 | €0 | - | - | - | - |
| Fixed assets21/28 | €4.0m | €4.0m | €4.0m | €4.0m | €4.2m | ▲ 3.8% |
| Tangible fixed assets22/27 | €4.0m | €4.0m | €4.0m | €4.0m | €4.2m | ▲ 3.8% |
| Land and buildings22 | €4.0m | €4.0m | €4.0m | €4.0m | €4.0m | ▲ 0.3% |
| Plant, machinery and equipment23 | €8,688 | €4,344 | €0 | €0 | €140,824 | - |
| Furniture and vehicles24 | €4,000 | €0 | - | - | - | - |
| Current assets29/58 | €567,021 | €688,960 | €953,812 | €1.2m | €940,302 | ▼ 24.8% |
| Amounts receivable within one year40/41 | €557,545 | €687,922 | €946,290 | €989,514 | €897,938 | ▼ 9.3% |
| Other amounts receivable41 | €557,545 | €687,922 | €946,290 | €989,514 | €897,938 | ▼ 9.3% |
| Cash at bank and in hand54/58 | €740 | €222 | €5,180 | €255,582 | €4,644 | ▼ 98.2% |
| Deferred charges and accrued income490/1 | €8,736 | €816 | €2,342 | €4,547 | €37,720 | ▲ 730% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.6m | €4.7m | €5.0m | €5.3m | €5.1m | ▼ 3.0% |
| Equity10/15 | €4.3m | €4.3m | €4.3m | €4.4m | €4.4m | ▲ 0.4% |
| Contributions10/11 | €4.3m | €4.3m | €4.3m | €4.3m | €4.3m | = |
| Reserves13 | - | - | - | - | €49,579 | - |
| Distributable reserves133 | - | - | - | - | €49,579 | - |
| Profit (loss) carried forward14 | €18,896 | €15,148 | €25,401 | €31,847 | €0 | ▼ 100% |
| Amounts payable17/49 | €262,416 | €381,302 | €645,316 | €900,867 | €725,538 | ▼ 19.5% |
| Amounts payable within one year42/48 | €259,371 | €381,302 | €645,316 | €898,128 | €724,552 | ▼ 19.3% |
| Trade debts44 | €10,664 | €9,522 | €6,014 | €1,708 | €21,435 | ▲ 1,155% |
| Suppliers440/4 | €10,664 | €9,522 | €6,014 | €1,708 | €21,435 | ▲ 1,155% |
| Taxes, remuneration and social security45 | €19,094 | €15,811 | €20,305 | €15,803 | €17,207 | ▲ 8.9% |
| Taxes450/3 | €13,458 | €11,289 | €11,052 | €5,960 | €6,797 | ▲ 14.0% |
| Remuneration and social security454/9 | €5,636 | €4,522 | €9,253 | €9,843 | €10,410 | ▲ 5.8% |
| Other amounts payable47/48 | €229,613 | €355,969 | €618,997 | €880,617 | €685,910 | ▼ 22.1% |
| Accrued charges and deferred income492/3 | €3,046 | €0 | - | €2,739 | €986 | ▼ 64.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,245 | -€3,748 | €10,252 | €6,447 | €17,732 | ▲ 175% |
| + Depreciation and write-downs630 | €82,586 | €82,749 | €81,428 | €81,230 | €91,550 | ▲ 12.7% |
| Operating cash flow (approximation) | €99,831 | €79,001 | €91,681 | €87,677 | €109,282 | ▲ 24.6% |
| Investment in fixed assets (approximation) | - | -€76,865 | -€90,843 | -€47,397 | -€243,295 | ▼ 413% |
| Change in cash | - | -€518 | €4,958 | €250,402 | -€250,939 | ▼ 200% |
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €17,732 ▲175%
Net result €17,732, the highest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €10,252
Net result €10,252 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
31-12
Financial
Back to profitnet €10,911
Net result €10,911 after 2 loss-making years.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
31-12
Financial
Weakest financial yearnet -€7,277
Net result drops to -€7,277, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Meise · 1 establishment unit since 2018
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.
Bosweg 11860 Meise1 establishment unit
AMELGEM
since 20182.272.879.353
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 8,566 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
Founded16-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0688531041
Also
9925:BE0688531041
Registered
02-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.