Skip to content

AMOS

Active
Private limited companyfounded 201115 yrs activeBerentrodedreef 14, 2820 Bonheiden, BelgiumKBO/BCE: BE 0834.478.231
Summary

AMOS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €18,324 and a net result of -€54,002. Equity is shrinking by ~16.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 17% of 8074 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

Signals

Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 8074 sector peers (2025).
NBB · sector comparison
Position among 8074 sector peers
Solvency
better than 17%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 d early
2024
3 d early
2023
on the day
2022
73 d late
2021
75 d late
2020
19 d late
2019
20 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 20 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven months
Position in the running window
31-03-2026 close27-09-2026 today31-10-2026 deadline
neutral · 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

History

On 14 March 2011, AMOS was incorporated.1 Total assets went from EUR 169,444 in 2019 to EUR 164,321 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€18,324▼ 74.7%
2024 · €72,326
Net result
-€54,002▲ 16.5%
2024 · -€64,639
Total assets
€164,321▼ 43.2%
2024 · €289,490
Solvency
11.2%▼ 13.8pp
2024 · 25.0%
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€18,102▼ 36.2%-€22,088-€19,748▲ 10.6%-€56,648▼ 187%-€51,223▲ 9.6%
Net result€14,037▼ 27.0%-€25,685-€27,286▼ 6.2%-€64,639▼ 137%-€54,002▲ 16.5%
Equity€189,936▲ 8.0%€164,251▼ 13.5%€136,965▼ 16.6%€72,326▼ 47.2%€18,324▼ 74.7%
Total assets€440,668▲ 105%€322,827▼ 26.7%€347,759▲ 7.7%€289,490▼ 16.8%€164,321▼ 43.2%
Debt€250,732▲ 544%€158,576▼ 36.8%€210,794▲ 32.9%€217,164▲ 3.0%€145,997▼ 32.8%
Working capital€65,175▼ 0.2%€41,545▼ 36.3%€16,315▼ 60.7%-€15,086-€75,091▼ 398%
Solvency43.1%▼ 38.8pp50.9%▲ 7.8pp39.4%▼ 11.5pp25.0%▼ 14.4pp11.2%▼ 13.8pp
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€75,000-€50,000-€25,000€0€25,000Operating result 2021: €18,102€18,102Net result 2021: €14,037€14,037Operating result 2022: -€22,088-€22,088Net result 2022: -€25,685-€25,685Operating result 2023: -€19,748-€19,748Net result 2023: -€27,286-€27,286Operating result 2024: -€56,648-€56,648Net result 2024: -€64,639-€64,639Operating result 2025: -€51,223-€51,223Net result 2025: -€54,002-€54,00220212022202320242025-€80,000-€60,000-€40,000-€20,000€0Operating result 2023: -€19,748-€19,700Net result 2023: -€27,286-€27,300Operating result 2024: -€56,648-€56,600Net result 2024: -€64,639-€64,600Operating result 2025: -€51,223-€51,200Net result 2025: -€54,002-€54,000202320242025
The operating result stays negative: a loss of €51,223 in 2025 against €56,648 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164,321
Fixed assets €93,415 ▲ 0.9%
Current assets €70,906 ▼ 64.0%
Equity and liabilities €164,321
Equity €18,324 ▼ 74.7%
Debt €145,997 ▼ 32.8%
Debt's share of the balance-sheet total rises from 75.0% to 88.8%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
ROE
-294.7%▼
2024 · -89.4%
ROA
-32.9%▼
2024 · -22.3%
Debt ≤ 1 year
€145,997▼
2024 · €211,948
Income taxes
€868▼
2024 · €914
Staff costs
€31,270▼
2024 · €33,463
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet Code20242025
Assets
Total assets20/58€289,490€164,321▼
Fixed assets21/28€92,628€93,415▲
Tangible fixed assets22/27€92,628€93,415▲
Furniture and vehicles24€92,628€93,415▲
Financial fixed assets28€0-
Current assets29/58€196,862€70,906▼
Stocks and contracts in progress3€67,223€0▼
Stocks30/36€67,223€0▼
Amounts receivable within one year40/41€98,047€57,127▼
Trade receivables40€98,047€57,127▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€27,398€13,020▼
Deferred charges and accrued income490/1€4,195€759▼
Equity and liabilities
Total equity and liabilities10/49€289,490€164,321▼
Equity10/15€72,326€18,324▼
Contributions10/11€12,400€12,400=
Reserves13€133,855€92,000▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€133,855€92,000▼
Profit (loss) carried forward14-€73,929-€86,076▼
Amounts payable17/49€217,164€145,997▼
Amounts payable within one year42/48€211,948€145,997▼
Trade debts44€93,365€17,521▼
Suppliers440/4€93,365€17,521▼
Taxes, remuneration and social security45€13,519€10,327▼
Taxes450/3€8,182€5,109▼
Remuneration and social security454/9€5,337€5,218▼
Other amounts payable47/48€105,063€118,150▲
Accrued charges and deferred income492/3€5,216€0▼
Income statement Code20242025
Remuneration, social security and pensions62€33,463€31,270▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,498€1,375▼
Other operating charges640/8€4,403€3,179▼
Gross operating margin9900-€17,283-€15,399▲
Operating profit (loss)9901-€56,648-€51,223▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€7,078€1,911▼
Recurring financial charges65€7,078€1,911▼
Profit (loss) for the period before taxes9903-€63,725-€53,133▲
Income taxes67/77€914€868▼
Profit (loss) for the period9904-€64,639-€54,002▲
Profit (loss) for the period to be appropriated9905-€64,639-€54,002▲
Appropriation of the result
Profit (loss) to be appropriated9906-€73,929-€127,931▼
Profit (loss) brought forward from the previous period14P-€9,290-€73,929▼
Transfer from equity791/2-€41,855

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62-€8,052€34,116€33,463€31,270▼ 6.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,055€2,055€2,055€1,498€1,375▼ 8.2%
Other operating charges640/8-€5,274€11,158€4,403€3,179▼ 27.8%
Gross operating margin9900€23,371-€6,707€27,581-€17,283-€15,399▲ 10.9%
Operating profit (loss)9901€18,102-€22,088-€19,748-€56,648-€51,223▲ 9.6%
Financial income75/76B-€0--€0-
Recurring financial income75€5,113€0--€0-
Financial charges65/66B-€2,212€3,879€7,078€1,911▼ 73.0%
Recurring financial charges65€1,639€2,212€3,879€7,078€1,911▼ 73.0%
Profit (loss) for the period before taxes9903€21,576-€24,301-€23,627-€63,725-€53,133▲ 16.6%
Income taxes67/77€7,539€1,384€3,659€914€868▼ 5.0%
Profit (loss) for the period9904€14,037-€25,685-€27,286-€64,639-€54,002▲ 16.5%
Profit (loss) for the period to be appropriated9905€14,037-€25,685-€27,286-€64,639-€54,002▲ 16.5%
Line20212022202320242025Change
Assets
Total assets20/58€440,668€322,827€347,759€289,490€164,321▼ 43.2%
Fixed assets21/28€124,761€122,705€120,650€92,628€93,415▲ 0.9%
Tangible fixed assets22/27€122,631€120,575€118,520€92,628€93,415▲ 0.9%
Furniture and vehicles24-€120,575€118,520€92,628€93,415▲ 0.9%
Financial fixed assets28€2,130€2,130€2,130€0--
Current assets29/58€315,907€200,122€227,109€196,862€70,906▼ 64.0%
Stocks and contracts in progress3€84,714€74,797€74,797€67,223€0▼ 100%
Stocks30/36-€74,797€74,797€67,223€0▼ 100%
Amounts receivable within one year40/41€203,023€112,868€137,026€98,047€57,127▼ 41.7%
Trade receivables40-€108,716€133,229€98,047€57,127▼ 41.7%
Other amounts receivable41-€4,152€3,797€0--
Cash at bank and in hand54/58€24,432€2,227€8,654€27,398€13,020▼ 52.5%
Deferred charges and accrued income490/1-€10,230€6,632€4,195€759▼ 81.9%
Equity and liabilities
Total equity and liabilities10/49€440,668€322,827€347,759€289,490€164,321▼ 43.2%
Equity10/15€189,936€164,251€136,965€72,326€18,324▼ 74.7%
Contributions10/11-€12,400€12,400€12,400€12,400=
Reserves13€133,855€133,855€133,855€133,855€92,000▼ 31.3%
Non-distributable reserves130/1-€1,855€1,855€0--
Reserves not available under the articles1311-€1,855€1,855€0--
Distributable reserves133-€132,000€132,000€133,855€92,000▼ 31.3%
Profit (loss) carried forward14€43,681€17,996-€9,290-€73,929-€86,076▼ 16.4%
Amounts payable17/49€250,732€158,576€210,794€217,164€145,997▼ 32.8%
Amounts payable within one year42/48€250,732€158,576€210,794€211,948€145,997▼ 31.1%
Financial debts43-€7,025€0---
Credit institutions430/8-€7,025€0---
Trade debts44€171,130€82,397€118,538€93,365€17,521▼ 81.2%
Suppliers440/4-€82,397€118,538€93,365€17,521▼ 81.2%
Taxes, remuneration and social security45-€10,360€21,372€13,519€10,327▼ 23.6%
Taxes450/3-€9,492€17,731€8,182€5,109▼ 37.6%
Remuneration and social security454/9-€869€3,641€5,337€5,218▼ 2.2%
Other amounts payable47/48-€58,794€70,883€105,063€118,150▲ 12.5%
Accrued charges and deferred income492/3---€5,216€0▼ 100%
Line20212022202320242025Change
Profit (loss) for the period9904€14,037-€25,685-€27,286-€64,639-€54,002▲ 16.5%
+ Depreciation and write-downs630€2,055€2,055€2,055€1,498€1,375▼ 8.2%
Operating cash flow (approximation)€16,092-€23,630-€25,230-€63,141-€52,626▲ 16.7%
Investment in fixed assets (approximation)-€0€0€26,524-€2,163▼ 108%
Change in cash--€22,205€6,427€18,743-€14,378▼ 177%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-10-2026
2025
29-10
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2024
28-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial Weakest financial yearnet -€64,639
Net result drops to -€64,639, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
12-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 73 days late
2022
14-01
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2020
19-11
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
31-03
Financial Highest result since 2019net €19,225 ▲26.9%
Operating result €28,364, net result €19,225, both a record.
2019
11-10
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
22-10
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-10
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-11
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 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
5 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, Bonheiden · 1 establishment unit since 2011
seat establishment The establishment unit on the map
Ground area
1,578 m²
Building footprint
208 m²
Volume, LiDAR
1,378 m³
Parcel 12005B0296/00N000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
AMOS
Berentrodedreef 14, 2820 BonheidenFinancial service activities, except insurance and pension funding
since 20112.199.163.214
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12005B0296/00N000 Flanders 1,578 m² 1 · 208 m² 8.2 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.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 7,120 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
Founded14-03-2011
Fiscal year end31-03
Activities, NACEBEL 2025
47690Retail sale of other cultural and recreation goods
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0834478231
Also 9925:BE0834478231
Registered 09-02-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.