AmLo
ActiveAmLo has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €308k and a net result of €101k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 32% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
61
/ 100
Healthy▲ +25 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+72
Solvency41▲+19
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.08 in 2024), and 66.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
33.2%
Return on assets
10.9%
Age of the figures
11 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-04-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
8 d early
2023
32 d early
2022
30 d early
2021
30 d early
2020
1 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€308k▲ 49.0%
2024 · €207k
2018: €138k
2019: €162k
2020: €160k
2021: €172k
2022: €182k
2023: €195k
2024: €207k
2018 → 2025
Total assets
€927k▲ 3.9%
2024 · €892k
2018: €292k
2019: €313k
2020: €350k
2021: €497k
2022: €670k
2023: €923k
2024: €892k
2018 → 2025
Net result
€101k▲ 762%
2024 · €12k
2018: €57k
2019: €24k
2020: €-1k
2021: €12k
2022: €10k
2023: €13k
2024: €12k
2018 → 2025
Working capital
€-252k▲ 23.2%
2024 · €-328k
2018: €5k
2019: €29k
2020: €-17k
2021: €-187k
2022: €-21k
2023: €-386k
2024: €-328k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€182k▲ 5.6%€195k▲ 7.4%€207k▲ 6.0%€308k▲ 49.0%
Operating result€14k-€17k▲ 20.0%€25k▲ 47.9%€30k▲ 18.8%€111k▲ 272%
Net result€12k-€10k▼ 15.9%€13k▲ 38.2%€12k▼ 12.2%€101k▲ 762%
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 four years in a row; 2025 is 272% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €927k
Fixed assets
€851k▼ 1.6%
Current assets
€76k▲ 180%
Equity and liabilities €927k
Equity
€308k▲ 49.0%
Debt
€619k▼ 9.7%
The debt ratio falls from 76.8% to 66.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€134k▲
2024 · €71k
Cash flow
€124k▲
2024 · €53k
Solvency
33.2%▲
2024 · 23.2%
Current ratio
0.23▲
2024 · 0.08
Quick ratio
0.23▲
2024 · 0.08
Debt / equity
2.01▼
2024 · 3.32
ROE
32.9%▲
2024 · 5.7%
ROA
10.9%▲
2024 · 1.3%
Interest coverage
15.69▲
2024 · 7.29
Debt
€619k▼
2024 · €686k
Debt ≤ 1 year
€328k▼
2024 · €356k
Debt > 1 year
€291k▼
2024 · €330k
Income taxes
€1k▼
2024 · €8k
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€892k€927k▲
Fixed assets21/28€865k€851k▼
Tangible fixed assets22/27€865k€851k▼
Land and buildings22€865k€851k▼
Furniture and vehicles24€0€0=
Current assets29/58€27k€76k▲
Amounts receivable within one year40/41€9k€25k▲
Trade receivables40€9k€25k▲
Other amounts receivable41€403€0▼
Cash at bank and in hand54/58€18k€51k▲
Equity and liabilities
Total equity and liabilities10/49€892k€927k▲
Equity10/15€207k€308k▲
Contributions10/11€20k€20k=
Reserves13€40k€40k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€146k€248k▲
Amounts payable17/49€686k€619k▼
Amounts payable after more than one year17€330k€291k▼
Financial debts170/4€330k€291k▼
Amounts payable within one year42/48€356k€328k▼
Current portion of amounts payable after more than one year42€38k€39k▲
Trade debts44€32k€3k▼
Suppliers440/4€32k€3k▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€286k€285k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€23k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€73k€137k▲
Operating profit (loss)9901€30k€111k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€20k€102k▲
Income taxes67/77€8k€1k▼
Profit (loss) for the period9904€12k€101k▲
Profit (loss) for the period to be appropriated9905€12k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€146k€248k▲
Profit (loss) brought forward from the previous period14P€135k€146k▲
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
2026
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €101k ▲762%
Operating result €111k, net result €101k, both a record.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €207k ▲6%
4 profitable years in a row build equity to €207k.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-1k ▼105%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €150kEq €162k ▲17.4%
2 profitable years in a row build equity to €162k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
12-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Deinze · 1 establishment unit since 2014
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.
Albert Saveryslaan 109800 DeinzeGround area
710 m²
Building footprint
161 m²
Volume, LiDAR
836 m³
Parcel 44004C0072/00Z000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AmLo
since 20142.227.358.738
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44004C0072/00Z000 | Flanders | 709 m² | 1 · 161 m² | 7.8 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 82,215 companies in sector 70200 we hold annual accounts for 52,392. 37,865 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2014
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.