Amper&and

Active

Private limited companyfounded 20224 yrs activeKarel Martelstraat 38, 1000 Brussel, BelgiumKBO/BCE: BE 0785.993.374

Summary

Amper&and has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75,951 and a net result of €136,468. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 261 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

Amper&andActiveChecked score 84/100

Risk analysis Report Compare

Activity

Employment placement agencies

NACE 78100Business and other management consultancy NACE 70200

1 site

Size

€228,283total assets 2025

Staff: 0.9 FTE
Equity: €75,951
Profit: €136,468

Financial health

84 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Parent: AMPERSAND PARTNERS SWITSERLAND SAGL S. Etr. · 100%

Accounts 61 d early0 of 2 deeds read

Why 84- 1 change of registered office in 24 months+ Liquidity: current ratio 1.29, cash €114,840+ Sector Employment activities (NACE 78)+ Figures for FY 2025 (filed 31-05-2026)Show the evidence

Checked score

Score 2025

84 / 100

Excellent

Probability in this band: under 0.55%

Better than 52% of its sector peers (NACE 78, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 58-29

equity 33.3% of total assets

Liquidity 72-20

short-term debt 54.4% · cash 50.3%

Profitability 100=

return on assets 59.8%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (1,352 companies)

Last 13 months 10-2025: 0.1% 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -36.3% vs 12-2025 02-2026: 0.1%▼ -3.4% vs 01-2026lowest value 03-2026: 0.1%▲ +104% vs 02-2026 04-2026: 0.1%▲ +12.3% vs 03-2026 05-2026: 0.2%▲ +19.5% vs 04-2026 06-2026: 0.4%▲ +159% vs 05-2026 07-2026: 0.4%● 0.0% vs 06-2026 08-2026: 0.4%● 0.0% vs 07-2026 09-2026: 0.4%● 0.0% vs 08-2026 10-2026: 0.4%▲ +3.8% vs 09-2026highest value

Liquidity: current ratio 1.29, cash €114,840 lowers the probability
Sector Employment activities (NACE 78) lowers the probability
Figures for FY 2025 (filed 31-05-2026) lowers the probability
1 change of registered office in 24 months raises the probability

Credit up to €6,000 at 30 days acceptable

Liquidity tight (current ratio 1.29 against 2.98 in 2024; short-term debt: 54.4% and cash: 50.3% of total assets), and 66.7% 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 78, micro). Better than this share of them on solvency 42%, liquidity 64%, profitability 88%, growth against the median 14%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Liquidity: current ratio 1.29, cash €114,840

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Employment activities (NACE 78)

In the bankruptcy model this factor lowers the probability.

KBO

Figures for FY 2025 (filed 31-05-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-05-2026, 61 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

61 d early

2024

44 d early

2023

2 d early

← before the deadline after the deadline →

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

This company filed its last 3 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 30% of the sector filed late.

Checked, nothing found (2)

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 17 June (3 of the last 3 filed years within 43 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

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

31-05-26 Annual accounts filedfiscal year 2025 · full…
31-12-25 Highest result since 2023net €136,468 ▲19.9%
17-06-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Equity fell in 2025from €164,483 to €75,951 ▼ 53.8% View
Caution: Among the weakest 20% on equitysector median €664,297 · 261 companies €75,951 View
Controlled by AMPERSAND PARTNERS SWITSERLAND SAGL…known shareholders 100% 100% View