AMOR
ActiveSummary
AMOR has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,919 and a net result of -€2,120. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 23% of 11508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability41▼-17
Solvency31▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.99 against 1.0 in 2024; short-term debt: 74.5% and cash: 2.1% of total assets), and 94.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.6%
Return on assets
-0.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 11508 sector peers (2025).
NBB · sector comparisonPosition among 11508 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
20 d early
2023
28 d late
2022
29 d late
2021
16 d early
2020
26 d late
2019
11 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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. Usually files around 29 August (4 of the last 5 filed years within 45 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€37,919▼ 5.3%
2024 · €40,039
Total assets
€671,227▼ 22.0%
2024 · €860,411
Net result
-€2,120
2024 · €7,277
Working capital
-€3,931▼ 516%
2024 · -€638
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€36,014-€23,847€30,846€12,673▼ 58.9%€5,449▼ 57.0%
Net result€29,769above the sector's middle half-€28,053below the sector's middle half€24,398within the sector's middle half€7,277within the sector's middle half▼ 70.2%-€2,120within the sector's middle half
Equity€36,417within the sector's middle half▲ 448%€8,364within the sector's middle half▼ 77.0%€32,762within the sector's middle half▲ 292%€40,039within the sector's middle half▲ 22.2%€37,919within the sector's middle half▼ 5.3%
Total assets€335,924within the sector's middle half▼ 2.3%€384,891within the sector's middle half▲ 14.6%€644,155above the sector's middle half▲ 67.4%€860,411above the sector's middle half▲ 33.6%€671,227above the sector's middle half▼ 22.0%
Debt€299,506▼ 11.2%€376,527▲ 25.7%€611,393▲ 62.4%€820,372▲ 34.2%€633,308▼ 22.8%
Working capital€45,561within the sector's middle half-€2,410within the sector's middle half€13,254within the sector's middle half-€638within the sector's middle half-€3,931within the sector's middle half▼ 516%
Solvency10.8%within the sector's middle half▲ 8.9pp2.2%below the sector's middle half▼ 8.7pp5.1%below the sector's middle half▲ 2.9pp4.7%below the sector's middle half▼ 0.4pp5.6%below the sector's middle half▲ 1.0pp
Current ratio1.19within the sector's middle half▲ 0.230.99within the sector's middle half▼ 0.201.02within the sector's middle half▲ 0.031.00within the sector's middle half▼ 0.020.99within the sector's middle half▼ 0.01
Return on assets (ROA)8.9%within the sector's middle half▲ 10.5pp-7.3%below the sector's middle half▼ 16.2pp3.8%within the sector's middle half▲ 11.1pp0.8%within the sector's middle half▼ 2.9pp-0.3%within the sector's middle half▼ 1.2pp
Staff (FTE)0.8▼ 20.0%0.9▲ 12.5%1▲ 11.1%1=1=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €671,227
Fixed assets
€175,187 ▲ 104%
Current assets
€496,040 ▼ 36.0%
Equity and liabilities €671,227
Equity
€37,919 ▼ 5.3%
Debt
€633,308 ▼ 22.8%
Debt's share of the balance-sheet total falls from 95.3% to 94.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€26,992▼
2024 · €32,671
Cash flow
€19,423▼
2024 · €27,275
Quick ratio
0.10▲
2024 · 0.10
Debt to equity
16.70▼
2024 · 20.49
ROE
-5.6%▼
2024 · 18.2%
Interest coverage
2.72▼
2024 · 4.63
Debt ≤ 1 year
€499,971▼
2024 · €775,327
Debt > 1 year
€131,310▲
2024 · €42,606
Income taxes
€353▼
2024 · €1,040
Staff costs
€30,426▲
2024 · €30,207
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 974 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a small loss
2.3%
went bankrupt
4.5%
stopped otherwise
93%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 974 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €14,473 | €19,920 | €25,042 | €30,207 | €30,426 | ▲ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,543 | €19,616 | €22,833 | €19,998 | €21,543 | ▲ 7.7% |
| Other operating charges640/8 | €5,691 | €4,245 | €1,879 | €2,380 | €3,314 | ▲ 39.3% |
| Gross operating margin9900 | €73,722 | €19,934 | €80,601 | €65,258 | €60,733 | ▼ 6.9% |
| Operating profit (loss)9901 | €36,014 | -€23,847 | €30,846 | €12,673 | €5,449 | ▼ 57.0% |
| Financial income75/76B | €319 | €319 | €758 | €2,696 | €2,694 | ▼ 0.1% |
| Recurring financial income75 | €319 | €319 | €758 | €2,696 | €2,694 | ▼ 0.1% |
| Financial charges65/66B | €6,087 | €4,192 | €5,809 | €7,052 | €9,911 | ▲ 40.5% |
| Recurring financial charges65 | €6,087 | €4,192 | €5,809 | €7,052 | €9,911 | ▲ 40.5% |
| Profit (loss) for the period before taxes9903 | €30,246 | -€27,720 | €25,796 | €8,317 | -€1,768 | ▼ 121% |
| Income taxes67/77 | €477 | €333 | €1,398 | €1,040 | €353 | ▼ 66.1% |
| Profit (loss) for the period9904 | €29,769 | -€28,053 | €24,398 | €7,277 | -€2,120 | ▼ 129% |
| Profit (loss) for the period to be appropriated9905 | €29,769 | -€28,053 | €24,398 | €7,277 | -€2,120 | ▼ 129% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €335,924 | €384,891 | €644,155 | €860,411 | €671,227 | ▼ 22.0% |
| Fixed assets21/28 | €56,625 | €71,943 | €65,002 | €85,723 | €175,187 | ▲ 104% |
| Tangible fixed assets22/27 | €54,934 | €70,253 | €63,446 | €84,168 | €173,631 | ▲ 106% |
| Plant, machinery and equipment23 | €45,999 | €29,858 | €11,476 | €9,277 | €110,920 | ▲ 1,096% |
| Furniture and vehicles24 | €2,390 | €5,386 | €21,955 | €25,111 | €20,073 | ▼ 20.1% |
| Leasing and similar rights25 | - | €11,413 | €8,812 | €20,470 | €15,721 | ▼ 23.2% |
| Other tangible fixed assets26 | €6,546 | €23,595 | €21,203 | €29,310 | €26,917 | ▼ 8.2% |
| Financial fixed assets28 | €1,691 | €1,691 | €1,556 | €1,556 | €1,556 | = |
| Current assets29/58 | €279,299 | €312,947 | €579,153 | €774,688 | €496,040 | ▼ 36.0% |
| Stocks and contracts in progress3 | €248,147 | €277,525 | €488,390 | €700,128 | €446,433 | ▼ 36.2% |
| Stocks30/36 | €248,147 | €277,525 | €488,390 | €700,128 | €446,433 | ▼ 36.2% |
| Amounts receivable within one year40/41 | - | €7,756 | €30,839 | €45,054 | €30,929 | ▼ 31.4% |
| Trade receivables40 | - | - | €11,627 | €0 | €499 | - |
| Other amounts receivable41 | - | €7,756 | €19,212 | €45,054 | €30,430 | ▼ 32.5% |
| Cash at bank and in hand54/58 | €28,688 | €24,160 | €57,320 | €26,366 | €14,188 | ▼ 46.2% |
| Deferred charges and accrued income490/1 | €2,463 | €3,506 | €2,603 | €3,140 | €4,490 | ▲ 43.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €335,924 | €384,891 | €644,155 | €860,411 | €671,227 | ▼ 22.0% |
| Equity10/15 | €36,417 | €8,364 | €32,762 | €40,039 | €37,919 | ▼ 5.3% |
| Contributions10/11 | €75,000 | €75,000 | €75,000 | €75,000 | €75,000 | = |
| Reserves13 | €86,581 | €86,581 | €96,581 | €103,858 | €103,858 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €0 | - | - | - |
| Distributable reserves133 | €84,722 | €84,722 | €96,581 | €103,858 | €103,858 | = |
| Profit (loss) carried forward14 | -€125,164 | -€153,218 | -€138,819 | -€138,819 | -€140,939 | ▼ 1.5% |
| Amounts payable17/49 | €299,506 | €376,527 | €611,393 | €820,372 | €633,308 | ▼ 22.8% |
| Amounts payable after more than one year17 | €65,769 | €60,995 | €43,437 | €42,606 | €131,310 | ▲ 208% |
| Financial debts170/4 | €65,769 | €60,995 | €43,437 | €42,606 | €131,310 | ▲ 208% |
| Amounts payable within one year42/48 | €233,738 | €315,357 | €565,899 | €775,327 | €499,971 | ▼ 35.5% |
| Current portion of amounts payable after more than one year42 | €25,346 | €26,415 | €31,386 | €30,158 | €24,308 | ▼ 19.4% |
| Financial debts43 | €170,424 | - | - | €3,051 | €883 | ▼ 71.1% |
| Credit institutions430/8 | €170,424 | - | - | €3,051 | €883 | ▼ 71.1% |
| Trade debts44 | €4,384 | €8,138 | €16,310 | €11,833 | €18,975 | ▲ 60.4% |
| Suppliers440/4 | €4,384 | €8,138 | €16,310 | €11,833 | €18,975 | ▲ 60.4% |
| Taxes, remuneration and social security45 | €7,602 | €7,434 | €17,965 | €19,045 | €10,616 | ▼ 44.3% |
| Taxes450/3 | €6,566 | €4,209 | €13,661 | €9,251 | €6,586 | ▼ 28.8% |
| Remuneration and social security454/9 | €1,035 | €3,225 | €4,303 | €9,794 | €4,030 | ▼ 58.9% |
| Other amounts payable47/48 | €25,982 | €273,370 | €500,239 | €711,239 | €445,189 | ▼ 37.4% |
| Accrued charges and deferred income492/3 | - | €175 | €2,056 | €2,440 | €2,027 | ▼ 16.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,769 | -€28,053 | €24,398 | €7,277 | -€2,120 | ▼ 129% |
| + Depreciation and write-downs630 | €17,543 | €19,616 | €22,833 | €19,998 | €21,543 | ▲ 7.7% |
| Operating cash flow (approximation) | €47,313 | -€8,437 | €47,231 | €27,275 | €19,423 | ▼ 28.8% |
| Investment in fixed assets (approximation) | - | -€34,934 | -€15,892 | -€40,719 | -€111,007 | ▼ 173% |
| Change in cash | - | -€4,528 | €33,160 | -€30,954 | -€12,178 | ▲ 60.7% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €24,398
Net result €24,398 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet -€28,053
Net result drops to -€28,053, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €29,769
Net result €29,769 after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8,952
Net result €8,952 after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Roeselare · 1 establishment unit since 1997
Ground area
2.3 ha
Building footprint
6,772 m²
Volume, LiDAR
33,124 m³
Parcel 36505C1136/00L000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
22
companies at this address
See who is registered here
1 establishment unit
AMOR
since 19972.084.477.540
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36505C1136/00L000 | Flanders | 2.3 ha | 1 · 6,772 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 3,082 EUR awarded · 3,082 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 42 EUR |
| 2024 | 1 | 42 EUR | 0 EUR |
| 2023 | 2 | 3,040 EUR | 3,040 EUR |
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Of 1,567 companies in sector 46900 we hold annual accounts for 920. 472 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
Founded18-11-1997
Fiscal year end31-12
Activities, NACEBEL 2025
46900Non-specialised wholesale trade
96230Day spas, saunas and steam baths
47750Retail sale of cosmetics and toilet articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461916473
Also
9925:BE0461916473
Registered
09-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.