AMER
ActiveThe computed 12-month bankruptcy probability of AMER is 2.2% (moderate). The 2025 annual accounts show equity of €219k and a net result of €84k. Equity is growing by ~69.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 5.24 against 5.0 in 2024; short-term debt: 15.7% and cash: 65.2% of total assets), and 20.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
79.7%
Return on assets
30.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-11-2025, 66 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
66 d early
2024
65 d early
2023
69 d early
2022
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€219k▲ 62.4%
2024 · €135k
2022: €42k
2023: €82k
2024: €135k
2022 → 2025
Total assets
€275k▲ 52.7%
2024 · €180k
2022: €59k
2023: €142k
2024: €180k
2022 → 2025
Net result
€84k▲ 59.1%
2024 · €53k
2022: €39k
2023: €41k
2024: €53k
2022 → 2025
Working capital
€184k▲ 86.3%
2024 · €99k
2022: €36k
2023: €65k
2024: €99k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€42k-€82k▲ 97.2%€135k▲ 64.6%€219k▲ 62.4%
Operating result€48k-€56k▲ 15.5%€63k▲ 12.5%€107k▲ 70.9%
Net result€39k-€41k▲ 6.8%€53k▲ 28.5%€84k▲ 59.1%
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 71% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€48k▼ 15.4%
Current assets
€227k▲ 84.2%
Equity and liabilities €275k
Equity
€219k▲ 62.4%
Debt
€56k▲ 23.5%
The debt ratio falls from 25.0% to 20.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€129k▲
2024 · €75k
Cash flow
€106k▲
2024 · €66k
Solvency
79.7%▲
2024 · 75.0%
Current ratio
5.24▲
2024 · 5.00
Quick ratio
5.24▲
2024 · 5.00
Debt / equity
0.25▼
2024 · 0.33
ROE
38.4%▼
2024 · 39.2%
ROA
30.7%▲
2024 · 29.4%
Interest coverage
227.28▲
2024 · 104.06
Debt
€56k▲
2024 · €45k
Debt ≤ 1 year
€43k▲
2024 · €25k
Debt > 1 year
€12k▼
2024 · €20k
Income taxes
€23k▲
2024 · €9k
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€180k€275k▲
Fixed assets21/28€57k€48k▼
Tangible fixed assets22/27€57k€48k▼
Land and buildings22€3k€2k▼
Furniture and vehicles24€54k€46k▼
Current assets29/58€123k€227k▲
Amounts receivable within one year40/41€56k€45k▼
Trade receivables40€56k€45k▼
Cash at bank and in hand54/58€66k€179k▲
Deferred charges and accrued income490/1€808€2k▲
Equity and liabilities
Total equity and liabilities10/49€180k€275k▲
Equity10/15€135k€219k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€132k€216k▲
Amounts payable17/49€45k€56k▲
Amounts payable after more than one year17€20k€12k▼
Financial debts170/4€20k€12k▼
Amounts payable within one year42/48€25k€43k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€375€1k▲
Suppliers440/4€375€1k▲
Taxes, remuneration and social security45€16k€29k▲
Taxes450/3€15k€29k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€202€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€22k▲
Other operating charges640/8€126€296▲
Gross operating margin9900€75k€129k▲
Operating profit (loss)9901€63k€107k▲
Financial income75/76B€246€603▲
Recurring financial income75€246€603▲
Financial charges65/66B€724€568▼
Recurring financial charges65€724€568▼
Profit (loss) for the period before taxes9903€62k€107k▲
Income taxes67/77€9k€23k▲
Profit (loss) for the period9904€53k€84k▲
Profit (loss) for the period to be appropriated9905€53k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€216k▲
Profit (loss) brought forward from the previous period14P€79k€132k▲
The notes to these accounts (6 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
2025
26-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2022net €84k ▲59.1%
Operating result €107k, net result €84k, both a record.
30-06
Financial
Equity above €200kEq €219k ▲62.4%
4 profitable years in a row build equity to €219k.
2024
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €100kEq €135k ▲64.6%
3 profitable years in a row build equity to €135k.
2023
23-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Chastre · 1 establishment unit since 2021
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 du Village 151450 ChastreGround area
1,721 m²
Building footprint
135 m²
Parcel 25017A0425/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Village 15, 1450 Chastre
since 20212.327.333.965
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25017A0425/00D000 | Wallonia | 1,721 m² | 1 · 135 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
BOUW FERDINAND BOLLEN
BE 0787.525.776
Riemst · Eq €219k
DAKWERKEN BATAILLE
BE 0431.517.663
Harelbeke · Eq €219k
TOBIAS Dakwerken
BE 0746.509.030
Scherpenheuvel-Zichem · Eq €219k
M-DAK
BE 0891.470.184
Brugge · Eq €220k
JEAN-LUC ARNDT
BE 0860.165.415
Hamois · Eq €220k
Of 11,137 companies in sector 43910 we hold annual accounts for 5,487. 4,454 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2021
Fiscal year end30-06
Activities, NACEBEL
43910Bricklaying and masonry work
43994Specialised construction activities
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.