amloc
ActiveSummary
amloc has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.63M and a net result of €90k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability36▼-22
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260k at 30 days acceptable
short-term debt: 0.4% and cash: 5.8% of total assets, and 0.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer 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
99.6%
Return on assets
2.5%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
121 d early
2023
28 d early
2022
103 d early
2021
125 d early
2020
30 d early
2019
36 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.63M▲ 2.5%
2024 · €3.54M
2019: €132klowest in 7 years
2020: €153k▲ +15.3% vs 2019
2021: €3.14M▲ +1958% vs 2020
2022: €2.95M▼ -6.2% vs 2021
2023: €3.48M▲ +18.2% vs 2022
2024: €3.54M▲ +1.6% vs 2023
2025: €3.63M▲ +2.5% vs 2024highest in 7 years
2019 → 2025
Total assets
€3.64M▼ 8.6%
2024 · €3.98M
2019: €1.89Mlowest in 7 years
2020: €1.92M▲ +1.6% vs 2019
2021: €3.16M▲ +64.6% vs 2020
2022: €3.49M▲ +10.4% vs 2021
2023: €4.01M▲ +15.1% vs 2022highest in 7 years
2024: €3.98M▼ -0.7% vs 2023
2025: €3.64M▼ -8.6% vs 2024
2019 → 2025
Net result
€90k▼ 20.5%
2024 · €113k
2019: €82k
2020: €20k▼ -75.3% vs 2019
2021: €2.99M▲ +14622% vs 2020highest in 7 years
2022: €-76k▼ -103% vs 2021lowest in 7 years
2023: €537k▲ +808% vs 2022
2024: €113k▼ -78.9% vs 2023
2025: €90k▼ -20.5% vs 2024
2019 → 2025
Working capital
€2.03M▼ 13.1%
2024 · €2.34M
2019: €58klowest in 7 years
2020: €78k▲ +35.3% vs 2019
2021: €1.84M▲ +2253% vs 2020
2022: €1.31M▼ -28.8% vs 2021
2023: €2.38M▲ +81.7% vs 2022highest in 7 years
2024: €2.34M▼ -1.8% vs 2023
2025: €2.03M▼ -13.1% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.14M-€2.95M▼ 6.2%€3.48M▲ 18.2%€3.54M▲ 1.6%€3.63M▲ 2.5%
2021: €3.14M
2022: €2.95M▼ -6.2% vs 2021lowest in 5 years
2023: €3.48M▲ +18.2% vs 2022
2024: €3.54M▲ +1.6% vs 2023
2025: €3.63M▲ +2.5% vs 2024highest in 5 years
Operating result€65k-€43k▼ 34.3%€89k▲ 106%€110k▲ 24.3%€47k▼ 57.2%
2021: €65k
2022: €43k▼ -34.3% vs 2021lowest in 5 years
2023: €89k▲ +106% vs 2022
2024: €110k▲ +24.3% vs 2023highest in 5 years
2025: €47k▼ -57.2% vs 2024
Net result€2.99M-€-76k€537k€113k▼ 78.9%€90k▼ 20.5%
2021: €2.99Mhighest in 5 years
2022: €-76k▼ -103% vs 2021lowest in 5 years
2023: €537k▲ +808% vs 2022
2024: €113k▼ -78.9% vs 2023
2025: €90k▼ -20.5% vs 2024
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 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.64M
Fixed assets
€1.59M ▼ 0.5%
Current assets
€2.05M ▼ 14.0%
Equity and liabilities €3.64M
Equity
€3.63M ▲ 2.5%
Debt
€14k ▼ 96.9%
Debt's share of the balance-sheet total falls from 11.2% to 0.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€62k▼
2024 · €127k
Cash flow
€105k▼
2024 · €130k
Debt to equity
0.00▼
2024 · 0.13
ROE
2.5%▼
2024 · 3.2%
ROA
2.5%▼
2024 · 2.8%
Interest coverage
1.69▼
2024 · 4.24
Debt ≤ 1 year
€14k▼
2024 · €40k
Debt > 1 year
€0▼
2024 · €400k
Income taxes
€17k▼
2024 · €27k
A ratio outside any meaningful range has been withheld (balance sheet total €3.64M, equity €3.63M).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.98M€3.64M▼
Fixed assets21/28€1.60M€1.59M▼
Tangible fixed assets22/27€319k€307k▼
Land and buildings22€313k€301k▼
Plant, machinery and equipment23€848€255▼
Furniture and vehicles24€296€1k▲
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€1.28M€1.29M▲
Current assets29/58€2.38M€2.05M▼
Amounts receivable within one year40/41€90k€120k▲
Trade receivables40€80k€95k▲
Other amounts receivable41€10k€26k▲
Current investments50/53€2.08M€1.71M▼
Cash at bank and in hand54/58€203k€212k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€3.98M€3.64M▼
Equity10/15€3.54M€3.63M▲
Contributions10/11€50k€50k=
Reserves13€3.49M€3.58M▲
Distributable reserves133€3.49M€3.58M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€445k€14k▼
Amounts payable after more than one year17€400k€0▼
Financial debts170/4€400k€0▼
Amounts payable within one year42/48€40k€14k▼
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€15k€11k▼
Taxes450/3€15k€11k▼
Other amounts payable47/48€19k€0▼
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€14k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€131k€66k▼
Operating profit (loss)9901€110k€47k▼
Financial income75/76B€60k€97k▲
Recurring financial income75€60k€97k▲
Financial charges65/66B€30k€36k▲
Recurring financial charges65€30k€36k▲
Profit (loss) for the period before taxes9903€141k€108k▼
Income taxes67/77€27k€17k▼
Profit (loss) for the period9904€113k€90k▼
Profit (loss) for the period to be appropriated9905€113k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€113k€90k▼
Transfer from equity791/2€59k€0▼
Transfer to equity691/2€113k€90k▼
To other reserves6921€113k€90k▼
Profit to be distributed694/7€59k€0▼
Return on contributions (dividend)694€59k€0▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €58k | €22k | €16k | €14k | ▼ 11.4% |
| Other operating charges640/8 | - | €1k | €3k | €5k | €4k | ▼ 10.2% |
| Gross operating margin9900 | €70k | €103k | €114k | €131k | €66k | ▼ 49.9% |
| Operating profit (loss)9901 | €65k | €43k | €89k | €110k | €47k | ▼ 57.2% |
| Financial income75/76B | - | €10k | €393k | €60k | €97k | ▲ 60.8% |
| Recurring financial income75 | €2.96M | €10k | €393k | €60k | €97k | ▲ 60.8% |
| Financial charges65/66B | - | €117k | €-75k | €30k | €36k | ▲ 22.3% |
| Recurring financial charges65 | €35k | €117k | €-75k | €30k | €36k | ▲ 22.3% |
| Profit (loss) for the period before taxes9903 | €2.99M | €-64k | €556k | €141k | €108k | ▼ 23.6% |
| Income taxes67/77 | €7k | €12k | €19k | €27k | €17k | ▼ 36.5% |
| Profit (loss) for the period9904 | €2.99M | €-76k | €537k | €113k | €90k | ▼ 20.5% |
| Profit (loss) for the period to be appropriated9905 | €2.99M | €-76k | €537k | €113k | €90k | ▼ 20.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.16M | €3.49M | €4.01M | €3.98M | €3.64M | ▼ 8.6% |
| Fixed assets21/28 | €1.30M | €1.64M | €1.62M | €1.60M | €1.59M | ▼ 0.5% |
| Tangible fixed assets22/27 | €14k | €357k | €336k | €319k | €307k | ▼ 4.0% |
| Land and buildings22 | - | €336k | €324k | €313k | €301k | ▼ 3.7% |
| Plant, machinery and equipment23 | - | €3k | €1k | €848 | €255 | ▼ 70.0% |
| Furniture and vehicles24 | - | €10k | €3k | €296 | €1k | ▲ 309% |
| Other tangible fixed assets26 | - | €9k | €7k | €5k | €4k | ▼ 31.3% |
| Financial fixed assets28 | €1.28M | €1.28M | €1.28M | €1.28M | €1.29M | ▲ 0.4% |
| Current assets29/58 | €1.86M | €1.85M | €2.40M | €2.38M | €2.05M | ▼ 14.0% |
| Amounts receivable within one year40/41 | €11k | €21k | €61k | €90k | €120k | ▲ 34.3% |
| Trade receivables40 | - | €13k | €47k | €80k | €95k | ▲ 18.9% |
| Other amounts receivable41 | - | €8k | €14k | €10k | €26k | ▲ 157% |
| Current investments50/53 | - | €1.24M | €2.25M | €2.08M | €1.71M | ▼ 17.9% |
| Cash at bank and in hand54/58 | €1.85M | €582k | €78k | €203k | €212k | ▲ 4.3% |
| Deferred charges and accrued income490/1 | - | €3k | €3k | €6k | €6k | ▼ 2.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.16M | €3.49M | €4.01M | €3.98M | €3.64M | ▼ 8.6% |
| Equity10/15 | €3.14M | €2.95M | €3.48M | €3.54M | €3.63M | ▲ 2.5% |
| Contributions10/11 | - | €50k | €50k | €50k | €50k | = |
| Reserves13 | €3.09M | €2.90M | €3.43M | €3.49M | €3.58M | ▲ 2.6% |
| Distributable reserves133 | - | €2.90M | €3.43M | €3.49M | €3.58M | ▲ 2.6% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €21k | €542k | €530k | €445k | €14k | ▼ 96.9% |
| Amounts payable after more than one year17 | - | - | €400k | €400k | €0 | ▼ 100% |
| Financial debts170/4 | - | - | €400k | €400k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €21k | €536k | €12k | €40k | €14k | ▼ 65.6% |
| Current portion of amounts payable after more than one year42 | - | €400k | €0 | - | - | - |
| Trade debts44 | €1k | €8k | €2k | €7k | €3k | ▼ 57.8% |
| Suppliers440/4 | - | €8k | €2k | €7k | €3k | ▼ 57.8% |
| Taxes, remuneration and social security45 | - | €28k | €10k | €15k | €11k | ▼ 24.5% |
| Taxes450/3 | - | €28k | €10k | €15k | €11k | ▼ 24.5% |
| Other amounts payable47/48 | - | €100k | €0 | €19k | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €6k | €118k | €5k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2.99M | €-76k | €537k | €113k | €90k | ▼ 20.5% |
| + Depreciation and write-downs630 | €3k | €58k | €22k | €16k | €14k | ▼ 11.4% |
| Operating cash flow (approximation) | €2.99M | €-18k | €560k | €130k | €105k | ▼ 19.3% |
| Investment in fixed assets (approximation) | - | €-401k | €-882 | €0 | €-7k | - |
| Change in cash | - | €-1.27M | €-505k | €126k | €9k | ▼ 93.0% |
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
07-08
State Gazette act
General meeting · Director reappointment
Permanent representative · Mandate compensation
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 147.69
Current ratio from 59.02 to 147.69; short-term debt falls from €40k to €14k.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €537k
Net result €537k after one loss-making year.
31-12
Financial
Liquidity times 56current ratio 192.96
Current ratio from 3.45 to 192.96; short-term debt falls from €536k to €12k.
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-76k
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €2.99M ▲14,622%
Net result €2.99M, the highest in the series.
31-12
Financial
Liquidity times 30current ratio 89.67
Current ratio from 3.01 to 89.67; short-term debt falls from €39k to €21k.
Show earlier events
31-12
Financial
Equity above €2MEq €3.14M ▲1,958%
3 profitable years in a row build equity to €3.14M.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150kEq €153k ▲15.3%
2 profitable years in a row build equity to €153k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 2018
Ground area
1,127 m²
Building footprint
581 m²
Volume, LiDAR
5,603 m³
2 parcels, Flanders · tallest building 20.0 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
amloc
since 20182.280.987.266
Marie-Joséstraat 6, 8300 Knokke-Heist
since 20222.337.894.988
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016C0958/00R002 | Flanders | 753 m² | 1 · 207 m² | 9.9 m · 2 fl. |
| 31334B0038/00A000 | Flanders | 374 m² | 1 · 374 m² | 19.9 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Recognitions · licences · registrations
Legal Entity Identifier
6994005PO36ZGTY5V727
Similar companies · same sector, comparable size
MFM INVEST
BE 0663.926.693
Tielt · Eq €3,625,435
AQUA-INVEST
BE 0807.663.471
Kortrijk · Eq €3,624,264
HESTIA
BE 0474.817.374
Aarschot · Eq €3,631,500
SOLDIVA
BE 0458.501.875
Pelt · Eq €3,634,864
ALMALU
BE 0821.752.524
Schilde · Eq €3,635,584
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 14,024 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
Founded20-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
70100Activities of head offices
82300Organisation of conventions and trade shows
82990Other business support services
85592Vocational training
Scores and ratios are computed by Checked and are not a credit decision.