AMIR
ActiveSummary
The computed 12-month bankruptcy probability of AMIR is 1.6% (moderate). The 2025 annual accounts show equity of €455,170 and a net result of €56,587. Equity is growing by ~32.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 18606 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-10
Solvency84▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 1.83 against 2.06 in 2024; short-term debt: 41.2% and cash: 5.9% of total assets), and 41.2% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
58.8%
Return on assets
7.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
56 d late
2023
2 d early
2022
7 d late
2021
6 d early
2020
1 d early
2019
60 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 20 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€56,587▼ 45.7%
2024 · €104,148
Working capital
€264,580▼ 5.0%
2024 · €278,434
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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€54,472€20,063▼ 63.2%€180,108▲ 798%€149,996▼ 16.7%€82,352▼ 45.1%
Net result€49,061above the sector's middle half€16,142within the sector's middle half▼ 67.1%€142,144above the sector's middle half▲ 781%€104,148above the sector's middle half▼ 26.7%€56,587above the sector's middle half▼ 45.7%
Equity€136,149above the sector's middle half▲ 56.3%€152,291above the sector's middle half▲ 11.9%€294,435above the sector's middle half▲ 93.3%€398,583above the sector's middle half▲ 35.4%€455,170above the sector's middle half▲ 14.2%
Total assets€175,919within the sector's middle half▲ 12.4%€251,238within the sector's middle half▲ 42.8%€526,389above the sector's middle half▲ 110%€661,856above the sector's middle half▲ 25.7%€773,791above the sector's middle half▲ 16.9%
Debt€39,770▼ 42.7%€98,947▲ 149%€231,954▲ 134%€263,274▲ 13.5%€318,621▲ 21.0%
Working capital€83,585within the sector's middle half▲ 271%€102,025above the sector's middle half▲ 22.1%€223,017above the sector's middle half▲ 119%€278,434above the sector's middle half▲ 24.8%€264,580above the sector's middle half▼ 5.0%
Solvency77.4%above the sector's middle half▲ 21.7pp60.6%within the sector's middle half▼ 16.8pp55.9%within the sector's middle half▼ 4.7pp60.2%within the sector's middle half▲ 4.3pp58.8%within the sector's middle half▼ 1.4pp
Current ratio4.66above the sector's middle half▲ 3.252.20within the sector's middle half▼ 2.451.99within the sector's middle half▼ 0.212.06within the sector's middle half▲ 0.071.83within the sector's middle half▼ 0.23
Return on assets (ROA)27.9%above the sector's middle half▲ 37.5pp6.4%within the sector's middle half▼ 21.5pp27.0%above the sector's middle half▲ 20.6pp15.7%above the sector's middle half▼ 11.3pp7.3%within the sector's middle half▼ 8.4pp
Staff (FTE)3▼ 11.8%3.8▲ 26.7%5▲ 31.6%15.6▲ 212%14.5▼ 7.1%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €773,791
Fixed assets
€190,590 ▲ 57.0%
Current assets
€583,201 ▲ 7.9%
Equity and liabilities €773,791
Equity
€455,170 ▲ 14.2%
Debt
€318,621 ▲ 21.0%
Debt's share of the balance-sheet total rises from 39.8% to 41.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€112,470▼
2024 · €165,657
Cash flow
€86,705▼
2024 · €119,809
Quick ratio
0.30▼
2024 · 0.71
Debt to equity
0.70▲
2024 · 0.66
ROE
12.4%▼
2024 · 26.1%
Interest coverage
30.54▼
2024 · 37.80
Debt ≤ 1 year
€318,621▲
2024 · €262,014
Income taxes
€22,082▼
2024 · €41,472
Staff costs
€264,362▲
2024 · €262,486
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,129 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €95,699 | €11,000 | - | - | - | - |
| Remuneration, social security and pensions62 | €34,117 | €102,644 | €142,459 | €262,486 | €264,362 | ▲ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,580 | €6,627 | €6,700 | €15,661 | €30,117 | ▲ 92.3% |
| Other operating charges640/8 | €1,190 | €1,279 | €3,335 | €1,525 | €1,567 | ▲ 2.7% |
| Non-recurring operating charges66A | - | €179 | €845 | €2,164 | €272 | ▼ 87.4% |
| Gross operating margin9900 | €98,360 | €130,791 | €333,446 | €431,832 | €378,671 | ▼ 12.3% |
| Operating profit (loss)9901 | €54,472 | €20,063 | €180,108 | €149,996 | €82,352 | ▼ 45.1% |
| Financial income75/76B | €1 | €8 | €0 | €6 | €0 | ▼ 97.0% |
| Recurring financial income75 | €1 | €8 | €0 | €6 | €0 | ▼ 97.0% |
| Financial charges65/66B | €4,721 | €3,377 | €3,601 | €4,383 | €3,683 | ▼ 16.0% |
| Recurring financial charges65 | €4,721 | €3,377 | €3,601 | €4,383 | €3,683 | ▼ 16.0% |
| Profit (loss) for the period before taxes9903 | €49,751 | €16,694 | €176,507 | €145,619 | €78,669 | ▼ 46.0% |
| Income taxes67/77 | €690 | €552 | €34,363 | €41,472 | €22,082 | ▼ 46.8% |
| Profit (loss) for the period9904 | €49,061 | €16,142 | €142,144 | €104,148 | €56,587 | ▼ 45.7% |
| Profit (loss) for the period to be appropriated9905 | €49,061 | €16,142 | €142,144 | €104,148 | €56,587 | ▼ 45.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €175,919 | €251,238 | €526,389 | €661,856 | €773,791 | ▲ 16.9% |
| Fixed assets21/28 | €69,476 | €64,519 | €78,444 | €121,409 | €190,590 | ▲ 57.0% |
| Tangible fixed assets22/27 | €35,528 | €30,571 | €23,871 | €66,836 | €136,017 | ▲ 104% |
| Furniture and vehicles24 | - | €1,482 | €1,065 | €50,313 | €37,470 | ▼ 25.5% |
| Other tangible fixed assets26 | €35,528 | €29,089 | €22,806 | €16,524 | €98,547 | ▲ 496% |
| Financial fixed assets28 | €33,948 | €33,948 | €54,573 | €54,573 | €54,573 | = |
| Current assets29/58 | €106,444 | €186,720 | €447,945 | €540,447 | €583,201 | ▲ 7.9% |
| Stocks and contracts in progress3 | €44,142 | €111,371 | €250,620 | €353,719 | €487,517 | ▲ 37.8% |
| Stocks30/36 | €44,142 | €111,371 | €250,620 | €353,719 | €487,517 | ▲ 37.8% |
| Amounts receivable within one year40/41 | €35,487 | €37,702 | €36,720 | €135,350 | €47,599 | ▼ 64.8% |
| Trade receivables40 | €34,484 | €36,139 | €35,157 | €35,589 | €34,441 | ▼ 3.2% |
| Other amounts receivable41 | €1,002 | €1,563 | €1,563 | €99,761 | €13,158 | ▼ 86.8% |
| Cash at bank and in hand54/58 | €24,939 | €37,646 | €151,218 | €50,347 | €45,607 | ▼ 9.4% |
| Deferred charges and accrued income490/1 | €1,876 | - | €9,388 | €1,031 | €2,478 | ▲ 140% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €175,919 | €251,238 | €526,389 | €661,856 | €773,791 | ▲ 16.9% |
| Equity10/15 | €136,149 | €152,291 | €294,435 | €398,583 | €455,170 | ▲ 14.2% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €20,451 | ▲ 10.0% |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | - | - |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | - | - |
| Profit (loss) carried forward14 | €115,698 | €131,840 | €273,984 | €378,131 | €434,719 | ▲ 15.0% |
| Amounts payable17/49 | €39,770 | €98,947 | €231,954 | €263,274 | €318,621 | ▲ 21.0% |
| Amounts payable after more than one year17 | €16,912 | €14,252 | €7,026 | - | - | - |
| Other amounts payable178/9 | €16,912 | €14,252 | €7,026 | - | - | - |
| Amounts payable within one year42/48 | €22,859 | €84,695 | €224,928 | €262,014 | €318,621 | ▲ 21.6% |
| Trade debts44 | €2,266 | €52,940 | €141,405 | €127,925 | €174,642 | ▲ 36.5% |
| Suppliers440/4 | €2,266 | €52,940 | €141,405 | €127,925 | €174,642 | ▲ 36.5% |
| Taxes, remuneration and social security45 | €19,717 | €31,755 | €83,523 | €128,565 | €120,553 | ▼ 6.2% |
| Taxes450/3 | €6,604 | €1,690 | €40,721 | €76,896 | €68,815 | ▼ 10.5% |
| Remuneration and social security454/9 | €13,113 | €30,065 | €42,802 | €51,669 | €51,738 | ▲ 0.1% |
| Other amounts payable47/48 | €876 | - | - | €5,523 | €23,426 | ▲ 324% |
| Accrued charges and deferred income492/3 | - | - | - | €1,260 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €49,061 | €16,142 | €142,144 | €104,148 | €56,587 | ▼ 45.7% |
| + Depreciation and write-downs630 | €8,580 | €6,627 | €6,700 | €15,661 | €30,117 | ▲ 92.3% |
| Operating cash flow (approximation) | €57,642 | €22,769 | €148,844 | €119,809 | €86,705 | ▼ 27.6% |
| Investment in fixed assets (approximation) | - | -€1,670 | -€20,625 | -€58,626 | -€99,298 | ▼ 69.4% |
| Change in cash | - | €12,708 | €113,572 | -€100,871 | -€4,740 | ▲ 95.3% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €142,144 ▲781%
Operating result €180,108, net result €142,144, both a record.
31-12
Financial
Equity above €200,000Eq €294,435 ▲93.3%
3 profitable years in a row build equity to €294,435.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Equity above €150,000Eq €152,291 ▲11.9%
2 profitable years in a row build equity to €152,291.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €49,061
Net result €49,061 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.66
Current ratio from 1.40 to 4.66; short-term debt falls from €55,877 to €22,859.
31-12
Financial
Equity above €100,000Eq €136,149 ▲56.3%
Equity rises from €87,088 to €136,149.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Show earlier events
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
31-12
Financial
Back to profitnet €29,126
Net result €29,126 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €102,130 ▲39.9%
Equity rises from €73,004 to €102,130.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 13 acts read
About the unread acts
We know of 13 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
13 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, Brussel · 4 establishment units since 2002
Ground area
300 m²
Building footprint
210 m²
Volume, LiDAR
3,154 m³
4 parcels, Brussels · tallest building 27.1 m, ±6 floors. Linked by address, not a title deed.
4 establishment units
Boterstraat 39, 1000 Brussel
since 20022.068.063.457
AMIR
since 20072.166.441.946
GOURMET
since 20182.277.997.587
GOURMET CHOCOLATERIE BELGE
since 20232.352.037.192
4 parcels
Brussels
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21004A0363/00B000 | Brussels | 105 m² | 1 · 105 m² | 17.6 m · 5 fl. |
| 21004A0352/00D000 | Brussels | 94 m² | 1 · 28 m² | 14.3 m · 4 fl. |
| 21004A1281/00B000 | Brussels | 57 m² | 1 · 34 m² | 27.1 m · 6 fl. |
| 21004A0445/00_000 ProtectedArchitectural ensemble · Site or landscape · MonumentDe Duif - uitbreiding van de bescherming tot de totaliteitSource ↗ |
Brussels | 44 m² | 1 · 44 m² | 22.0 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
4 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Food safety, FASFC
3 sitesBrussel2.166.441.946
Brussel2.277.997.587
Brussel2.352.037.192
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BAKKERIJ GIJBELS
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BROWN SUGAR
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Of 2,403 companies in sector 47241 we hold annual accounts for 1,101. 609 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
Founded02-05-1994
Fiscal year end31-12
Activities, NACEBEL 2025
47241Retail sale of bread and pastry (bakery outlets)
47784Retail sale of souvenirs and religious articles
46360Wholesale trade
47252Retail sale of beverages, general range
47260Retail trade
47552Retail sale of lighting equipment
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0452594179
Also
9925:BE0452594179
Registered
05-02-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.