Amelo RoBa
ActiveSummary
Amelo RoBa has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €115k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency40▼-34
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.48 in 2024; short-term debt: 68.2% and cash: 65.1% of total assets), and 85.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
14.8%
Return on assets
26.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2024
71 d late
2023
70 d late
2022
150 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▼ 58.1%
2024 · €156k
2022: €29k
2023: €69k
2024: €156k
2022 → 2025
Total assets
€441k▲ 39.2%
2024 · €317k
2022: €120k
2023: €238k
2024: €317k
2022 → 2025
Net result
€115k▲ 33.7%
2024 · €86k
2022: €24k
2023: €40k
2024: €86k
2022 → 2025
Working capital
€953▼ 98.2%
2024 · €52k
2022: €17k
2023: €-12k
2024: €52k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€29k-€69k▲ 136%€156k▲ 124%€65k▼ 58.1%
Operating result€36k-€53k▲ 49.4%€111k▲ 110%€155k▲ 39.0%
Net result€24k-€40k▲ 64.3%€86k▲ 115%€115k▲ 33.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€139k ▼ 11.1%
Current assets
€302k ▲ 88.4%
Equity and liabilities €441k
Equity
€65k ▼ 58.1%
Debt
€376k ▲ 133%
Debt's share of the balance-sheet total rises from 50.8% to 85.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€178k▲
2024 · €132k
Cash flow
€139k▲
2024 · €107k
Current ratio
1.00▼
2024 · 1.48
Debt to equity
5.76▲
2024 · 1.03
ROE
176.9%▲
2024 · 55.4%
ROA
26.2%▼
2024 · 27.2%
Interest coverage
60.86▲
2024 · 52.06
Debt ≤ 1 year
€301k▲
2024 · €108k
Debt > 1 year
€75k▲
2024 · €53k
Income taxes
€37k▲
2024 · €23k
Staff costs
€68k▲
2024 · €67k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€317k€441k▲
Fixed assets21/28€157k€139k▼
Intangible fixed assets21€98k€85k▼
Tangible fixed assets22/27€58k€54k▼
Plant, machinery and equipment23€51k€47k▼
Furniture and vehicles24€7k€7k▼
Financial fixed assets28€141€141=
Current assets29/58€160k€302k▲
Amounts receivable within one year40/41€406€12k▲
Trade receivables40€406€6k▲
Other amounts receivable41-€6k
Cash at bank and in hand54/58€157k€287k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€317k€441k▲
Equity10/15€156k€65k▼
Contributions10/11€5k€5k=
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€126k€36k▼
Amounts payable17/49€161k€376k▲
Amounts payable after more than one year17€53k€75k▲
Financial debts170/4€53k€75k▲
Amounts payable within one year42/48€108k€301k▲
Current portion of amounts payable after more than one year42€14k€24k▲
Trade debts44€24k€20k▼
Suppliers440/4€24k€20k▼
Taxes, remuneration and social security45€20k€51k▲
Taxes450/3€13k€45k▲
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€50k€206k▲
Income statement
Code20242025
Non-recurring operating income76A€8k-
Remuneration, social security and pensions62€67k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€23k▲
Other operating charges640/8€1k€967▼
Gross operating margin9900€200k€248k▲
Operating profit (loss)9901€111k€155k▲
Financial income75/76B€8€0▼
Recurring financial income75€8€0▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€109k€152k▲
Income taxes67/77€23k€37k▲
Profit (loss) for the period9904€86k€115k▲
Profit (loss) for the period to be appropriated9905€86k€115k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€242k▲
Profit (loss) brought forward from the previous period14P€40k€126k▲
Profit to be distributed694/7-€206k
Return on contributions (dividend)694-€206k
The notes to these accounts (11 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2022net €115k ▲33.7%
Operating result €155k, net result €115k, both a record.
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Equity above €150kEq €156k ▲124%
3 profitable years in a row build equity to €156k.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 150 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Liège · 1 establishment unit since 2022
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.
Quai de la Boverie 324020 LiègeGround area
1,857 m²
Building footprint
177 m²
Volume, LiDAR
1,818 m³
2 parcels, Wallonia · tallest building 31.8 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Cabinet dentaire Bauduin
since 20222.330.420.149
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92121B0005/00E000 | Wallonia | 1,233 m² | 1 · 116 m² | - |
| 62817C0031/00H003 | Wallonia | 624 m² | 1 · 61 m² | 31.8 m · 10 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845007E6U44D5E5DD71
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,314 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.