Amorio Marino

Active

Private limited companyfounded 20233 yrs activeRijselstraat B197, 8930 Menen, BelgiumKBO/BCE: BE 0804.097.534

Summary

The computed 12-month bankruptcy probability of Amorio Marino is 4.2% (elevated). The 2024 annual accounts show equity of €10,496 and a net result of €2,423. Its solvency ranks better than 87% of 26069 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

Amorio MarinoActiveChecked score 51/100

Risk analysis Report Compare

Activity

Retail sale of clothing and accessories for women, men, children and babies (general range)

NACE 47716

1 site

Size

€13,191total assets 2024

Equity: €10,496
Profit: €2,423

Turnover not published (abridged schema)

Financial health

51 Fair Checked score 2024

Bankruptcy chance 12 m: 4.2%

Structure

Accounts 67 d overdue0 of 2 deeds read

Why 51- Size: total assets €13,191- Founded in 2023- 1 financial year not filed after the legal deadline; latest accounts 64 days late; 2 of the last 3 late- Figures for FY 2024 (filed 10-10-2025)Show the evidence

Checked score

Score 2024

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 80% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Strong

Solvency 100+35

equity 79.6% of total assets

Liquidity 56-19

short-term debt 20.4% · cash 9.8%

Profitability 92+79

return on assets 18.4%

Bankruptcy probability, 12 months

4.2% Elevated

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,158 companies)

Last 24 months 11-2024: 4.3% 12-2024: 2.5%▼ -41.1% vs 11-2024lowest value 01-2025: 2.5%▲ +0.6% vs 12-2024 02-2025: 2.6%▲ +3.7% vs 01-2025 03-2025: 2.6%▲ +1.3% vs 02-2025 04-2025: 3.0%▲ +13.7% vs 03-2025 05-2025: 3.0%▼ -0.6% vs 04-2025 06-2025: 3.0%▲ +0.8% vs 05-2025 07-2025: 3.1%▲ +4.3% vs 06-2025 08-2025: 4.3%▲ +37.0% vs 07-2025 09-2025: 4.5%▲ +4.3% vs 08-2025 10-2025: 7.3%▲ +62.3% vs 09-2025highest value 11-2025: 3.5%▼ -51.4% vs 10-2025 12-2025: 3.5%● 0.0% vs 11-2025 01-2026: 3.5%▼ -0.6% vs 12-2025 02-2026: 3.5%▼ -1.2% vs 01-2026 03-2026: 3.4%▼ -1.8% vs 02-2026 04-2026: 4.2%▲ +21.4% vs 03-2026 05-2026: 4.5%▲ +7.6% vs 04-2026 06-2026: 4.6%▲ +2.1% vs 05-2026 07-2026: 2.6%▼ -42.4% vs 06-2026 08-2026: 3.0%▲ +12.7% vs 07-2026 09-2026: 3.1%▲ +3.4% vs 08-2026 10-2026: 4.2%▲ +36.4% vs 09-2026

Size: total assets €13,191 raises the probability for this profile
Founded in 2023 raises the probability for this profile
1 financial year not filed after the legal deadline; latest accounts 64 days late; 2 of the last 3 late raises the probability
Figures for FY 2024 (filed 10-10-2025) raises the probability

Credit up to €500 at 30 days only on tighter terms

Liquidity ample (current ratio 4.75 against 2.0 in 2023; short-term debt: 20.4% and cash: 9.8% of total assets), and 20.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 61%, profitability 86%, growth against the median 79%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Size: total assets €13,191

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

1 financial year not filed after the legal deadline; latest accounts 64 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Figures for FY 2024 (filed 10-10-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-10-2025, 64 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

64 d late

2023

91 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 78 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

03-10-25 Annual accounts filedfiscal year 2024 · micro…
31-12-24 Back to profitnet €2,423
31-12-24 Liquidity doublescurrent ratio 4.75

Key points

Caution: Accounts not fileddeadline was 31-07-2026 67 d late View
Positive: Among the best 13% on solvencysector median 32.3% · 26,069 companies 79.6% View
Total assets 20242 fiscal years filed €13,191 View