AML & C° 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 €115k and a net result of €-19k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 20% of 8018 sector peers (fiscal year 2025). The company has been active since 2016 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
20 d late
2022
on the day
2021
31 d early
2020
11 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▼ 14.3%
2024 · €134k
2019: €140k
2020: €155k
2021: €119k
2022: €115k
2023: €125k
2024: €134k
2019 → 2025
Net result
€-19k
2024 · €9k
2019: €59k
2020: €15k
2021: €-36k
2022: €-4k
2023: €11k
2024: €9k
2019 → 2025
Total assets
€786k▼ 13.3%
2024 · €906k
2019: €868k
2020: €824k
2021: €763k
2022: €760k
2023: €679k
2024: €906k
2019 → 2025
Solvency
14.7%▼ 0.2pp
2024 · 14.8%
2019: 16.2%
2020: 18.8%
2021: 15.6%
2022: 15.1%
2023: 18.4%
2024: 14.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€115k▼ 3.5%€125k▲ 9.3%€134k▲ 7.4%€115k▼ 14.3%
Operating result€-25k-€5k€27k▲ 442%€31k▲ 13.6%€5k▼ 83.0%
Net result€-36k-€-4k▲ 88.4%€11k€9k▼ 12.6%€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €786k
Fixed assets
€666k▼ 6.1%
Current assets
€120k▼ 39.3%
Equity and liabilities €786k
Equity
€115k▼ 14.3%
Debt
€670k▼ 13.1%
The debt ratio rises from 85.2% to 85.3%. Equity and debt are lower.
Key figures and ratios
Solvency
14.7%▼
2024 · 14.8%
ROE
-16.8%▼
2024 · 6.9%
ROA
-2.5%▼
2024 · 1.0%
Debt
€670k▼
2024 · €772k
Debt ≤ 1 year
€146k▲
2024 · €124k
Debt > 1 year
€322k▼
2024 · €345k
Income taxes
€16k▲
2024 · €12k
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€906k€786k▼
Fixed assets21/28€709k€666k▼
Tangible fixed assets22/27€709k€666k▼
Land and buildings22€653k€622k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€56k€42k▼
Current assets29/58€197k€120k▼
Amounts receivable within one year40/41€13k€315▼
Trade receivables40€13k€0▼
Other amounts receivable41€274€315▲
Current investments50/53€88k€110k▲
Cash at bank and in hand54/58€92k€5k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€906k€786k▼
Equity10/15€134k€115k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€126k€107k▼
Amounts payable17/49€772k€670k▼
Amounts payable after more than one year17€345k€322k▼
Financial debts170/4€345k€322k▼
Amounts payable within one year42/48€124k€146k▲
Current portion of amounts payable after more than one year42€23k€24k▲
Trade debts44€8k€1k▼
Suppliers440/4€8k€1k▼
Advances received on contracts in progress46€2k€567▼
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€12k€16k▲
Other amounts payable47/48€79k€105k▲
Accrued charges and deferred income492/3€303k€203k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€46k▲
Other operating charges640/8€9k€9k▼
Gross operating margin9900€83k€60k▼
Operating profit (loss)9901€31k€5k▼
Financial income75/76B€949€0▼
Recurring financial income75€949€0▼
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€21k€-3k▼
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€9k€-19k▼
Profit (loss) for the period to be appropriated9905€9k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€107k▼
Profit (loss) brought forward from the previous period14P€117k€126k▲
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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity times 22current ratio 1.59
Current ratio from 0.07 to 1.59; short-term debt falls from €187k to €124k.
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
31-03
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-36k ▼348%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Equity above €150kEq €155k ▲10.4%
2 profitable years in a row build equity to €155k.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 149 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, Kasterlee · 1 establishment unit since 2016
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.
Meere Goor 92460 KasterleeGround area
956 m²
Building footprint
198 m²
Volume, LiDAR
1,143 m³
Parcel 13017G0061/00B000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AML & C°
since 20162.252.950.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017G0061/00B000 | Flanders | 956 m² | 1 · 197 m² | 10.2 m · 2 fl. |
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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,663 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded09-05-2016
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68121Development of residential building projects
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.