AMG BEHEER 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 €709k and a net result of €3k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 5498 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
30 d late
2022
25 d late
2021
31 d late
2020
30 d late
2019
62 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€709k▲ 0.4%
2024 · €706k
2018: €519k
2019: €577k
2020: €637k
2021: €641k
2022: €691k
2023: €573k
2024: €706k
2018 → 2025
Net result
€3k▼ 97.9%
2024 · €133k
2018: €74k
2019: €59k
2020: €60k
2021: €4k
2022: €50k
2023: €6k
2024: €133k
2018 → 2025
Total assets
€1.16M▼ 0.1%
2024 · €1.16M
2018: €981k
2019: €939k
2020: €1.23M
2021: €1.04M
2022: €1.12M
2023: €966k
2024: €1.16M
2018 → 2025
Solvency
60.9%▲ 0.3pp
2024 · 60.6%
2018: 52.9%
2019: 61.5%
2020: 52.0%
2021: 61.7%
2022: 61.5%
2023: 59.3%
2024: 60.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€641k-€691k▲ 7.8%€573k▼ 17.0%€706k▲ 23.2%€709k▲ 0.4%
Operating result€6k-€66k▲ 991%€14k▼ 78.7%€191k▲ 1,263%€21k▼ 88.9%
Net result€4k-€50k▲ 1,299%€6k▼ 88.1%€133k▲ 2,138%€3k▼ 97.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€206k▲ 37.3%
Current assets
€956k▼ 5.7%
Equity and liabilities €1.16M
Equity
€709k▲ 0.4%
Provisions
€23k=
Debt
€431k▼ 1.0%
The debt ratio falls from 37.4% to 37.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
60.9%▲
2024 · 60.6%
ROE
0.4%▼
2024 · 18.8%
ROA
0.2%▼
2024 · 11.4%
Debt
€431k▼
2024 · €435k
Debt ≤ 1 year
€341k▲
2024 · €294k
Income taxes
€2k▼
2024 · €43k
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€1.16M€1.16M▼
Fixed assets21/28€150k€206k▲
Tangible fixed assets22/27€150k€206k▲
Land and buildings22€150k€150k▼
Furniture and vehicles24-€56k
Financial fixed assets28€400€400=
Current assets29/58€1.01M€956k▼
Amounts receivable within one year40/41€1.00M€894k▼
Trade receivables40€660k€550k▼
Other amounts receivable41€344k€344k=
Cash at bank and in hand54/58€7k€59k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.16M€1.16M▼
Equity10/15€706k€709k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€644k€647k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€638k€641k▲
Provisions and deferred taxes16€23k€23k=
Provisions for liabilities and charges160/5€23k€23k=
Pensions and similar obligations160€23k€23k=
Amounts payable17/49€435k€431k▼
Amounts payable within one year42/48€294k€341k▲
Trade debts44€24k€19k▼
Suppliers440/4€24k€19k▼
Taxes, remuneration and social security45€63k€93k▲
Taxes450/3€63k€57k▼
Remuneration and social security454/9-€36k
Other amounts payable47/48€208k€229k▲
Accrued charges and deferred income492/3€141k€90k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€939€9k▲
Other operating charges640/8€427€838▲
Gross operating margin9900€192k€31k▼
Operating profit (loss)9901€191k€21k▼
Financial charges65/66B€16k€16k▲
Recurring financial charges65€16k€16k▲
Profit (loss) for the period before taxes9903€175k€5k▼
Income taxes67/77€43k€2k▼
Profit (loss) for the period9904€133k€3k▼
Profit (loss) for the period to be appropriated9905€133k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€133k€3k▼
Transfer to equity691/2€133k€3k▼
To other reserves6921€133k€3k▼
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
31-07
State Gazette act
General meeting · Merger
Dissolution · Real estate · Natalie Cabes
2025
31-12
Financial
Weakest financial yearnet €3k ▼97.9%
Net result drops to €3k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €133k ▲2138%
Operating result €191k, net result €133k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Houthalen-Helchteren · 1 establishment unit since 2003
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.
Molenheidestraat 213530 Houthalen-HelchterenGround area
5.7 ha
Building footprint
984 m²
Volume, LiDAR
4,153 m³
2 parcels, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
O. L. Vrouwstraat 64, 3560 Lummen
since 20032.133.118.981
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72014B0047/00X040 | Flanders | 5.4 ha | - | - |
| 71542B0158/00B000 | Flanders | 2,855 m² | 1 · 984 m² | 7.6 m · 1 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,313 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-04-2003
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.