Checked.be
Active
BE 0735.696.401Private limited company
AMNABA
Beerveldestraat 133 ·9160 Lokeren, Belgium· 6 yrs active
Sector: Renting and leasing of other personal and household goods
(77229)
Conclusion
The computed 12-month bankruptcy probability of AMNABA is 2.1% (moderate). The 2025 annual accounts show equity of €36k and a net result of €-43k. Equity is shrinking by ~33.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 21% of 891 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €36k |
| Net result | €-43k |
| Staff (FTE) | 0.9 |
| Better than sector | 21% |
Financial profile
32
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
20
Profitability
0
Solvency
7
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
20
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
43
2023
25
2024
20
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.22 (< 1.0)
-10
Quick ratio
Quick ratio 0.22 (< 0.6)
-5
Leverage
Debt/equity 8.19 (> 3.0)
-10
Profitability
Negatieve ROE -119%
-10
Interest coverage
Interest coverage 8.5× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 01-09-2025 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Net result: declining trend of ~113.2%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 77, Rental and leasing activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 10.9% | 37.4% | |
| Net result | €-43k | €19k | |
| Equity | €36k | €286k | |
| Gross operating margin | €140k | €184k | |
| Staff costs | €28k | €159k |
€93k
-13.2%
23-25
€-43k
-327.8%
23-25
€82k
-18.8%
23-25
€331k
-19.3%
23-25
€36k
-54.3%
23-25
€-147k
-187.4%
23-25
1
-10.0%
23-25
€28k
+22.0%
23-25
€140
-64.8%
23-25
€295k
-11.0%
23-25
€188k
+38.2%
23-25
€107k
+17.1%
23-25
0.22
-65.2%
23-25
0.22
-65.2%
23-25
10.9%
-43.3%
23-25
8.19
+94.7%
23-25
-118.6%
-835.3%
23-25
-12.9%
-430.0%
23-25
8.52
-43.2%
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | micro schema |
| Revenue | - | - | - |
| EBITDA | €93k | €107k | €144k |
| Net profit | €-43k | €-10k | €54k |
| Cash flow | €82k | €101k | €138k |
| Staff costs | €28k | €23k | €16k |
| Income taxes | €140 | €397 | €1k |
| Dividends | - | - | - |
| Total assets | €331k | €410k | €446k |
| Equity | €36k | €79k | €89k |
| Debt | €295k | €331k | €358k |
| of which ≤ 1y | €188k | €136k | €226k |
| of which > 1y | €107k | €92k | €132k |
| Working capital | €-147k | €-51k | €-133k |
| Employees (FTE) | 0.9 | 1.0 | 0.8 |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Current ratio | 0.22 | 0.62 | 0.41 |
| Quick ratio | 0.22 | 0.62 | 0.41 |
| Working capital ratio | -44.4% | -12.5% | -29.9% |
| Solvency | 10.9% | 19.2% | 19.8% |
| Debt / equity | 8.19 | 4.21 | 4.04 |
| Long-term debt ratio | 2.98 | 1.16 | 1.49 |
| Interest coverage | 8.52 | 14.99 | 30.04 |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | -12.9% | -2.4% | 12.1% |
| ROE | -118.6% | -12.7% | 60.9% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €331k | €410k | €446k |
| Fixed assets | 21/28 | €290k | €325k | €353k |
| Intangible fixed assets | 21 | €7k | €33k | €59k |
| Tangible fixed assets | 22/27 | €284k | €293k | €295k |
| Current assets | 29/58 | €41k | €85k | €93k |
| Amounts receivable within one year | 40/41 | €33k | €84k | €87k |
| Investments | 50/53 | €12 | - | - |
| Cash & bank | 54/58 | €8k | €242 | €6k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €331k | €410k | €446k |
| Equity | 10/15 | €36k | €79k | €89k |
| Contributions / capital | 10/11 | €5k | €5k | €5k |
| Accumulated profits (losses) | 14 | €31k | €74k | €84k |
| Amounts payable | 17/49 | €295k | €331k | €358k |
| Amounts payable after one year | 17 | €107k | €92k | €132k |
| Amounts payable within one year | 42/48 | €188k | €136k | €226k |
| Trade debts payable within one year | 44 | €15k | €43k | €82k |
| Income statement | ||||
| Gross operating margin | 9900 | €140k | €142k | €164k |
| Operating result | 9901 | €-32k | €-4k | €60k |
| Financial income | 75 | €175 | €2k | €278 |
| Financial charges | 65 | €11k | €7k | €5k |
| Result before taxes | 9903 | €-43k | €-10k | €55k |
| Income taxes | 67/77 | €140 | €397 | €1k |
| Net result for the period | 9904 | €-43k | €-10k | €54k |
| Result to be appropriated | 9905 | €-43k | €-10k | €54k |
Legal Structure
| NACE primary | Renting and leasing of other personal and household goods(77229) |
| Legal form | Private limited company(610) |
| Incorporation | 04-10-2019 |
| Status | Active |
| Postal code | 9160 |
Establishment units
AMNABA
since 20192.295.378.801
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384C0123/00H002 | Flanders | 781 m² | 1 · 163 m² | 8.4 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2025
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series.
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Renting and leasing of other personal and household goods77229Rental and leasing activities77299Manufacture of machinery and equipment not elsewhere classified28299
Names & trade names
| Legal nameNL | AMNABA |
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