Equity
€96,179 ▲ 9.1%
AMmedical paid out €25,000 in dividends. That is 76% of the 2024 profit.
AMmedical
Overview
Lifetime
4 annual accounts with figures on one time axispeak €56,737 (2022)
€52,872▲ 142%
peak €42,052 (2022)
€33,021▲ 124%
peak €96,179 (2024)
€96,179▲ 9.1%
€47,592▲ 31.9%
Board1 name since 2021
1 directorMATERNE Aude
Documentsfilings and deeds
29-10-202590 days late
2024micro format
Gross margin from €21,840 to €52,872Result from €14,713 to €33,021Dividend €25,000Debts from €36,078 to €47,592Cash from €88,303 to €118,985
Key points
from the 2024 annual accountsChecked score
56
Fair
Financially stronger than 58% of micro companies in human health (NACE 86)
Probability in this band: 1.5% to 4.2%
A confirmed filing finding caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,185 companies (NACE 86, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: < 0.1%▼ -0.1 percentage points vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.2%▲ +0.1 percentage points vs 08-2026
10-2026: 0.3%▲ +0.1 percentage points vs 09-2026highest value
11-2026: 0.3%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Capped at 59: a confirmed filing finding
Figures for financial year 2024 (filed on 29-09-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 90 days late; 2 of the last 3 accounts late
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 2.68, cash €118,985
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 55% of them on solvency, 68% on liquidity, 57% on profitability and 51% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as AMmedical has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AMmedical itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for AMmedical. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is ample, with a current ratio of 2.68 (2.84 in 2023), above the usual 1.5. Short-term debt is 33.1% and cash 82.8% of total assets. 33.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 4 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filingsDeviation from the deadline
2025
not filed
2024
90 days late
2023
65 days late
2022
25 days early
2021
6 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 31 days after the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
Recent changes
Incorporation
Founding capital of €2,000, 100 shares · Founder: MATERNE Aude · Appointment: MATERNE Aude (statutory director) · published on 14-04-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AMmedical Sint-Gillis (bij-Brussel) | €143,771 | €52,872 | 66.9% | - |
| HEALTHCARE CLINIC Anderlecht | €135,341 | €49,514 | 31.2% | - |
| Dr. Lynn Moreels, huisarts Londerzeel | €138,764 | €48,837 | 58.8% | - |
| Dr. Nathalie Lemlijn Hasselt | €149,876 | €55,637 | 31.2% | - |
| Dokter Karen Bollens Lommel | €159,825 | €56,772 | 22.9% | - |
| DOCTEUR LESUR CHARLOTTE Wanze | €140,965 | €50,657 | 69.2% | - |
| CABINET DOCTEUR MUES LAURIE Brugelette | €149,961 | €60,187 | 3.2% | - |
These companies have the same main activity as AMmedical: general medical practice (NACE 86210). They are comparable in size and age: total assets between €135,000 and €160,000, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 12-04-2021Normal situation
- Activity
- General medical practiceNACE 86210
- Establishment units
- 2.316.232.0191050 Ixelles, since 12-04-2021
- 2.316.232.1181180 Uccle, since 12-04-2021
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2024
- €52,872▲ 142%
- €33,021▲ 124%
- €96,179▲ 9.1%
- €143,771▲ 15.7%
- Filing
- Filed on 29-10-2025
Insights on AMmedical
AMmedical files the micro format. That format states no turnover. The gross margin fell from €53,810 in 2021 to €52,872 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2024
micro format, filed on 29-10-2025, 90 days late2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 10 November 2026.
€52,872
▲ 142%
€47,353
▲ 208%
€33,021
▲ 124%
€79,844
▲ 20.1%
66.9%
▼ 4.1 percentage points
2.68
▼ 0.17
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €120,000. Estimated: probably between €92,000 and €150,000.
Balance sheet
balance sheet total €143,771 on 31-12-2024What the company ownsHow it is paid for
in euro
in euro
Position in the sector
66.9%
Higher than 49% of 19,750 companies in 2024.
2.68
Higher than 43% of 19,354 companies in 2024.
23.0%
Higher than 57% of 19,619 companies in 2024.
AMmedical
Middle half of the sector
80% of the sector
Micro accounts in human health (NACE 86)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
143,771 | 124,236 | 112,916 | 57,590 | |
21/28 |
16,335 | 21,650 | 3,211 | 4,322 | |
22/27 |
15,435 | 20,600 | 2,041 | 3,407 | |
23 |
15,435 | 20,019 | 470 | 847 | |
24 |
- | 581 | 1,571 | 2,561 | |
28 |
900 | 1,050 | 1,170 | 915 | |
29/58 |
127,437 | 102,586 | 109,705 | 53,268 | |
3 |
- | 3,116 | - | - | |
30/36 |
- | 3,116 | - | - | |
40/41 |
2,436 | 5,836 | 1,261 | - | |
41 |
2,436 | 5,836 | 1,261 | - | |
54/58 |
118,985 | 88,303 | 105,638 | 51,824 | |
490/1 |
6,016 | 5,332 | 2,806 | 1,444 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
143,771 | 124,236 | 112,916 | 57,590 | |
10/15 |
96,179 | 88,158 | 85,445 | 43,393 | |
10/11 |
2,000 | 2,000 | 2,000 | 2,000 | |
14 |
94,179 | 86,158 | 83,445 | 41,393 | |
17/49 |
47,592 | 36,078 | 27,471 | 14,198 | |
42/48 |
47,592 | 36,078 | 27,471 | 14,198 | |
42 |
8,357 | - | - | - | |
44 |
652 | 2,466 | 899 | - | |
440/4 |
652 | 2,466 | 899 | - | |
45 |
13,583 | 21,612 | 26,573 | 13,282 | |
450/3 |
13,583 | 21,612 | 26,573 | 13,282 | |
47/48 |
25,000 | 12,000 | - | 915 | |
| Income statement | |||||
9900 |
52,872 | 21,840 | 56,737 | 53,810 | |
630 |
4,584 | 3,892 | 1,366 | 722 | |
640/8 |
935 | 2,582 | 467 | 58 | |
9901 |
47,353 | 15,366 | 54,903 | 53,031 | |
75/76B |
1,334 | 70 | 70 | 1 | |
75 |
1,334 | 70 | 70 | 1 | |
65/66B |
349 | 684 | 493 | 123 | |
65 |
349 | 684 | 493 | 123 | |
9903 |
48,337 | 14,752 | 54,481 | 52,909 | |
67/77 |
15,316 | 38 | 12,429 | 11,516 | |
9904 |
33,021 | 14,713 | 42,052 | 41,393 | |
9905 |
33,021 | 14,713 | 42,052 | 41,393 | |
| Appropriation of the result | |||||
9906 |
119,179 | 98,158 | 83,445 | 41,393 | |
14P |
86,158 | 83,445 | 41,393 | - | |
694/7 |
25,000 | 12,000 | - | - | |
694 |
25,000 | 12,000 | - | - | |
| Document | |||||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2024 (PDF), filed on 29-10-2025.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| 51,937 | 19,258 | 56,270 | 53,752 | ||
| 37,605 | 18,606 | 43,419 | 42,114 | ||
| -731 | 22,451 | 255 | 5,044 | ||
| 30,682 | -17,335 | 53,814 | - | ||
| 79,844 | 66,509 | 82,234 | 39,070 | ||
| 66.9% | 71.0% | 75.7% | 75.3% | ||
| 2.68 | 2.84 | 3.99 | 3.75 | ||
| 2.68 | 2.76 | 3.99 | 3.75 | ||
| 0.49 | 0.41 | 0.32 | 0.33 | ||
| 34.3% | 16.7% | 49.2% | 95.4% | ||
| 23.0% | 11.8% | 37.2% | 71.9% | ||
| over 100 | 28.15 | over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Tangible fixed assets | - | €22,451 | - | €4,129 |
| Financial fixed assets | - | - | €255 | €915 |
| €4,584 | €3,892 | €1,366 | €722 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
Insights on AMmedical
The operating result for 2024 is nearly 3.1 times that of 2023. It is a recovery after the fall in 2023.
Debt's share of the balance-sheet total rises from 29.0% to 33.1%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationStatutory director
since 12-04-2021
term without a fixed end
listed in the 2023 annual accounts, filed on 04-10-2024
Mandates through the years
1 name, the dashed line is todayMATERNE Aude
Statutory director
Statutory director
Board
Mandates as a list
- MATERNE Aude
- Statutory director, from 12-04-2021 to date
Control
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €962 in 2024
- Source
- deed of 14-04-2021
Articles of association
deed of 14-04-2021 (in French)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 19:00
Founder
At incorporation
deed of 14-04-2021 ↗
- MATERNE Aude sole founder · 100% at incorporation
Network & group
No group
AMmedical has no parent and no holdings in its annual accounts. MATERNE Aude is the only director. AMmedical shares no director with another company.
Timeline
Timeline
8 events since 2021Filings
Financial
Establishments
202220242026
2025
Annual accounts 2024 filed PDFmicro format · 90 days late
2024
Annual accounts 2023 filed PDFmicro format · 65 days late
2023
Weakest financial year net €14,713 ▼65% The net result drops to €14,713, the lowest from 2021 to 2024. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 25 days before the deadline
2022
Highest result from 2021 to 2024 net €42,052 ▲1.6% The operating result of €54,903 and the net result of €42,052 are both a record.
Annual accounts 2021 filed PDFmicro format · 6 days before the deadline
2021
IncorporationFounding capital of €2,000, 100 shares · Founder: MATERNE Aude · Appointment: MATERNE Aude (statutory director) · published on 14-04-20213 points ▸
- Founder, MATERNE Aude
- Founding capital, €2,000, 100 shares
- Director appointment, MATERNE Aude (statutory director)
- The deed holds 2 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 12 April 2021, AMmedical was incorporated as a private limited company by one natural person, with a starting capital of €2,000.12 MATERNE Aude has served as statutory director since 2021.3 Total assets went from €57,590 in 2021 to €143,771 in 2024.4
Company details
Identity
- Enterprise number
- 0766.632.471
- VAT number
- BE 0766.632.471
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-04-2021
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 19:00deed of 14-04-2021 (in French)
- Peppol
- Not found in the Peppol Directory
- Name
- AMmedical in French
- Entity type
- Legal entity
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “19, rue Félix Delhasse, boîte RC, 1060 Saint-Gilles”deed of 14-04-2021 (in French)
Activities
NACEBEL 202586210
General medical practice main activity
Codes under NACEBEL 2008
86210
General medical practice main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'exercice de la médecine et plus spécialement l'art de guérir en ce compris notamment la médecine esthétique et générale par le ou les…”deed of 14-04-2021 (in French)
9 activities
- L'exercice de la médecine et plus spécialement l'art de guérir en ce compris notamment la médecine esthétique et générale par le ou les médecins qui la composent, lesquels sont ou seront exclusivement des médecins légalement habilités à exercer l'Art de Guérir en Belgique.
- La mise à disposition des moyens nécessaires aux médecins pour exercer leur art au sein de la société.
- Procéder à toutes les recherches et toutes études en rapport avec son objet principal, s'occuper de la recherche et du développement de techniques scientifiques favorisant un diagnostic précis.
- Dispenser tous avis, donner tous cours et conférences et organiser tous séminaires dans le cadre de la pratique médicale.
- En Belgique, exercer toute autre activité susceptible de favoriser son objet tant en matière indépendante que dans le cadre de contrats avec des établissements de soins ou des confrères médecins, dans le respect du Code de Déontologie Médicale.
- Moyennant l'accord préalable du Conseil compétent de l'Ordre des Médecins, s'intéresser de toutes façons dans toutes sociétés ou entreprises existantes ou à créer, dont l'objet serait similaire, analogue ou connexe au sien.
- Poser tout acte nécessaire et/ou indispensable à l'accomplissement de son objet et plus particulièrement toute transaction mobilière ou immobilière concernant les locaux médicaux, l'achat du matériel médical et non médical, l'engagement du personnel administratif, soignant, pratiquant ou appelé à pratiquer dans la société.
- D'une façon générale accomplir toutes opérations se rapportant directement ou indirectement à la réalisation de son objet, sans en modifier la vocation médicale.
- A titre accessoire, accomplir toutes opérations immobilières, mobilières, financières, en respectant la déontologie médicale et pour autant que ces opérations s'inscrivant dans les limites d'une gestion en « bon père de famille » n'aient pas un caractère répétitif et commercial.
Registered office and establishments
2 establishments| Establishment | Since | Unit number |
|---|---|---|
| Félix Delhassestraat 19 registered office 1060 Sint-Gillis (bij-Brussel) | ||
| Louizalaan 405 1050 Ixelles | 12-04-2021 | 2.316.232.019 |
| Karmelietenstraat 152 1180 Uccle | 12-04-2021 | 2.316.232.118 |
Buildings and parcels at the addresses
- Ground area
- 878 m²
- Buildings
- 529 m²
- Volume, LiDAR
- 11,707 m³
- Tallest building
- 36.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21807G0210/00X002 | 597 m² | 1 · 301 m² | 36.0 m · 10 |
| 21016B0276/00X050 | 163 m² | 1 · 133 m² | 14.8 m · 4 |
| 21013B0371/00S016 | 119 m² | 1 · 94 m² | 20.8 m · 5 |