AMPHIBEAN 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 €184k and a net result of €149k. Equity is growing by ~45.1% per year across the filed fiscal years. Its solvency ranks better than 48% of 8006 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-03-2026, 34 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
34 d early
2024
33 d early
2023
on the day
2022
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€184k▼ 41.7%
2024 · €316k
2022: €100k
2023: €184k
2024: €316k
2022 → 2025
Net result
€149k▲ 13.3%
2024 · €132k
2022: €97k
2023: €85k
2024: €132k
2022 → 2025
Total assets
€379k▼ 3.3%
2024 · €392k
2022: €173k
2023: €247k
2024: €392k
2022 → 2025
Solvency
48.6%▼ 31.9pp
2024 · 80.5%
2022: 58.0%
2023: 74.5%
2024: 80.5%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€100k-€184k▲ 83.0%€316k▲ 72.0%€184k▼ 41.7%
Operating result€141k-€120k▼ 14.9%€169k▲ 40.8%€194k▲ 14.9%
Net result€97k-€85k▼ 12.8%€132k▲ 54.9%€149k▲ 13.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €379k
Fixed assets
€84k▲ 4.5%
Current assets
€295k▼ 5.3%
Equity and liabilities €379k
Equity
€184k▼ 41.7%
Debt
€195k▲ 156%
The debt ratio rises from 19.5% to 51.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
48.6%▼
2024 · 80.5%
ROE
80.8%▲
2024 · 41.7%
ROA
39.3%▲
2024 · 33.5%
Debt
€195k▲
2024 · €76k
Debt ≤ 1 year
€191k▲
2024 · €72k
Income taxes
€44k▲
2024 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€392k€379k▼
Fixed assets21/28€81k€84k▲
Tangible fixed assets22/27€22k€26k▲
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€5k€7k▲
Other tangible fixed assets26€16k€16k=
Financial fixed assets28€58k€58k=
Current assets29/58€312k€295k▼
Amounts receivable within one year40/41€2k€17k▲
Trade receivables40€2k€17k▲
Other amounts receivable41€17€6▼
Current investments50/53€25k€150k▲
Cash at bank and in hand54/58€281k€114k▼
Deferred charges and accrued income490/1€4k€14k▲
Equity and liabilities
Total equity and liabilities10/49€392k€379k▼
Equity10/15€316k€184k▼
Contributions10/11€3k€3k=
Reserves13€312k€181k▼
Distributable reserves133€312k€181k▼
Profit (loss) carried forward14€539-
Amounts payable17/49€76k€195k▲
Amounts payable within one year42/48€72k€191k▲
Trade debts44€5k€16k▲
Suppliers440/4€5k€16k▲
Taxes, remuneration and social security45€59k€13k▼
Taxes450/3€59k€13k▼
Other amounts payable47/48€8k€161k▲
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€385
Gross operating margin9900€173k€201k▲
Operating profit (loss)9901€169k€194k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€170k€193k▲
Income taxes67/77€39k€44k▲
Profit (loss) for the period9904€132k€149k▲
Profit (loss) for the period to be appropriated9905€132k€149k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€150k▲
Profit (loss) brought forward from the previous period14P-€539
Transfer from equity791/2-€131k
Transfer to equity691/2€131k-
To other reserves6921€131k-
Profit to be distributed694/7-€281k
Return on contributions (dividend)694-€281k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €149k ▲13.3%
Operating result €194k, net result €149k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €316k ▲72%
3 profitable years in a row build equity to €316k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €85k ▼12.8%
Net result drops to €85k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €150kEq €184k ▲83%
2 profitable years in a row build equity to €184k.
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wingene · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Beukenlaan 1A8750 WingeneGround area
774 m²
Building footprint
208 m²
Volume, LiDAR
610 m³
Parcel 37019B0980/00K000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AMPHIBEAN
since 20212.314.258.761
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37019B0980/00K000 | Flanders | 774 m² | 1 · 208 m² | 7.3 m · 1 fl. |
Linked by address, not proof of ownership
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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,537 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2021
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.