AMRO
ActiveSummary
The computed 12-month bankruptcy probability of AMRO is 5.0% (elevated). The 2025 annual accounts show negative equity (€-7k) and a net result of €-11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 18400 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-78
Solvency11▼-21
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
5.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 0.62 in 2024; short-term debt: 113.9% and cash: 4.7% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
-13.9%
Return on assets
-20.5%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-7k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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 · 4 filingsDeviation from the deadline
2025
5 d late
2024
13 d late
2023
28 d late
2022
17 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-7k
2024 · €4k
2022: €1k
2023: €63▼ -94.4% vs 2022
2024: €4k▲ +5563% vs 2023highest in 4 years
2025: €-7k▼ -309% vs 2024lowest in 4 years
2022 → 2025
Total assets
€53k▲ 8.0%
2024 · €49k
2022: €47klowest in 4 years
2023: €51k▲ +7.9% vs 2022
2024: €49k▼ -3.6% vs 2023
2025: €53k▲ +8.0% vs 2024highest in 4 years
2022 → 2025
Net result
€-11k
2024 · €3k
2022: €-19klowest in 4 years
2023: €-1k▲ +94.4% vs 2022
2024: €3k▲ +432% vs 2023highest in 4 years
2025: €-11k▼ -414% vs 2024
2022 → 2025
Working capital
€-36k▼ 107%
2024 · €-17k
2022: €-30k
2023: €-25k▲ +15.0% vs 2022
2024: €-17k▲ +30.8% vs 2023highest in 4 years
2025: €-36k▼ -107% vs 2024lowest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1k-€63▼ 94.4%€4k▲ 5,563%€-7k
2022: €1k
2023: €63▼ -94.4% vs 2022
2024: €4k▲ +5563% vs 2023highest in 4 years
2025: €-7k▼ -309% vs 2024lowest in 4 years
Operating result€-18k-€-34▲ 99.8%€5k€-10k
2022: €-18klowest in 4 years
2023: €-34▲ +99.8% vs 2022
2024: €5k▲ +13573% vs 2023highest in 4 years
2025: €-10k▼ -314% vs 2024
Net result€-19k-€-1k▲ 94.4%€3k€-11k
2022: €-19klowest in 4 years
2023: €-1k▲ +94.4% vs 2022
2024: €3k▲ +432% vs 2023highest in 4 years
2025: €-11k▼ -414% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€29k ▲ 37.0%
Current assets
€25k ▼ 13.4%
Key figures and ratios
EBITDA
€-4k▼
2024 · €9k
Cash flow
€-6k▼
2024 · €8k
Solvency
-13.9%▼
2024 · 7.2%
Current ratio
0.41▼
2024 · 0.62
Quick ratio
0.15▼
2024 · 0.15
Debt to equity
-8.21▼
2024 · 12.93
ROA
-20.5%▼
2024 · 7.1%
Interest coverage
-3.82▼
2024 · 8.13
Debt
€61k▲
2024 · €46k
Debt ≤ 1 year
€61k▲
2024 · €46k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€49k€53k▲
Fixed assets21/28€21k€29k▲
Intangible fixed assets21€12k€10k▼
Tangible fixed assets22/27€9k€19k▲
Furniture and vehicles24-€12k
Other tangible fixed assets26€9k€7k▼
Current assets29/58€28k€25k▼
Stocks and contracts in progress3€21k€16k▼
Stocks30/36€21k€16k▼
Amounts receivable within one year40/41-€4k
Trade receivables40-€3k
Other amounts receivable41-€1k
Cash at bank and in hand54/58€7k€3k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€49k€53k▲
Equity10/15€4k€-7k▼
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Profit (loss) carried forward14€-16k€-27k▼
Amounts payable17/49€46k€61k▲
Amounts payable within one year42/48€46k€61k▲
Trade debts44€532€371▼
Suppliers440/4€532€371▼
Taxes, remuneration and social security45€4k€4k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€42k€56k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€13k€-273▼
Operating profit (loss)9901€5k€-10k▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€3k€-11k▼
Profit (loss) for the period9904€3k€-11k▼
Profit (loss) for the period to be appropriated9905€3k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-27k▼
Profit (loss) brought forward from the previous period14P€-20k€-16k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €16k | €146 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €6k | €4k | €5k | ▲ 26.2% |
| Other operating charges640/8 | €1k | €7k | €5k | €4k | ▼ 8.5% |
| Gross operating margin9900 | €10k | €13k | €13k | €-273 | ▼ 102% |
| Operating profit (loss)9901 | €-18k | €-34 | €5k | €-10k | ▼ 314% |
| Financial income75/76B | €0 | - | - | - | - |
| Recurring financial income75 | €0 | - | - | - | - |
| Financial charges65/66B | €567 | €1k | €1k | €1k | ▲ 6.3% |
| Recurring financial charges65 | €567 | €1k | €1k | €1k | ▲ 6.3% |
| Profit (loss) for the period before taxes9903 | €-19k | €-1k | €3k | €-11k | ▼ 414% |
| Profit (loss) for the period9904 | €-19k | €-1k | €3k | €-11k | ▼ 414% |
| Profit (loss) for the period to be appropriated9905 | €-19k | €-1k | €3k | €-11k | ▼ 414% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €47k | €51k | €49k | €53k | ▲ 8.0% |
| Fixed assets21/28 | €31k | €25k | €21k | €29k | ▲ 37.0% |
| Intangible fixed assets21 | €16k | €14k | €12k | €10k | ▼ 16.5% |
| Tangible fixed assets22/27 | €15k | €11k | €9k | €19k | ▲ 110% |
| Furniture and vehicles24 | €1k | €80 | - | €12k | - |
| Other tangible fixed assets26 | €13k | €11k | €9k | €7k | ▼ 24.6% |
| Current assets29/58 | €17k | €26k | €28k | €25k | ▼ 13.4% |
| Stocks and contracts in progress3 | €12k | €25k | €21k | €16k | ▼ 26.4% |
| Stocks30/36 | €12k | €25k | €21k | €16k | ▼ 26.4% |
| Amounts receivable within one year40/41 | €2k | - | - | €4k | - |
| Trade receivables40 | - | - | - | €3k | - |
| Other amounts receivable41 | €2k | - | - | €1k | - |
| Cash at bank and in hand54/58 | €2k | €1k | €7k | €3k | ▼ 64.3% |
| Deferred charges and accrued income490/1 | - | - | - | €2k | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €47k | €51k | €49k | €53k | ▲ 8.0% |
| Equity10/15 | €1k | €63 | €4k | €-7k | ▼ 309% |
| Contributions10/11 | €20k | €20k | €20k | €20k | = |
| Outside capital11 | €20k | €20k | €20k | €20k | = |
| Other1109/19 | €20k | €20k | €20k | €20k | = |
| Profit (loss) carried forward14 | €-19k | €-20k | €-16k | €-27k | ▼ 66.6% |
| Amounts payable17/49 | €46k | €51k | €46k | €61k | ▲ 32.5% |
| Amounts payable within one year42/48 | €46k | €51k | €46k | €61k | ▲ 32.5% |
| Trade debts44 | €15k | €4k | €532 | €371 | ▼ 30.2% |
| Suppliers440/4 | €15k | €4k | €532 | €371 | ▼ 30.2% |
| Taxes, remuneration and social security45 | €3k | €3k | €4k | €4k | ▲ 20.1% |
| Taxes450/3 | €1k | €2k | €2k | €3k | ▲ 29.7% |
| Remuneration and social security454/9 | €1k | €1k | €1k | €1k | = |
| Other amounts payable47/48 | €28k | €45k | €42k | €56k | ▲ 34.4% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-19k | €-1k | €3k | €-11k | ▼ 414% |
| + Depreciation and write-downs630 | €11k | €6k | €4k | €5k | ▲ 26.2% |
| Operating cash flow (approximation) | €-8k | €4k | €8k | €-6k | ▼ 172% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-13k | - |
| Change in cash | - | €-917 | €6k | €-5k | ▼ 175% |
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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
30-06
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
17-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Brussel · 1 establishment unit since 2020
Ground area
70 m²
Building footprint
68 m²
Volume, LiDAR
690 m³
Parcel 21814P0430/00H020, Brussels · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AMRO
since 20202.305.290.815
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21814P0430/00H020 | Brussels | 70 m² | 1 · 68 m² | 17.3 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.305.290.815
Similar companies · same sector, comparable size
EASYSHOP
BE 0820.325.832
Lasne · Eq €3,561
P&D Retail
BE 0730.712.777
Antwerpen · Eq €3,533
DALEIA
BE 0740.432.276
Evere · Eq €3,529
MSI TABAC
BE 0762.650.919
Mouscron · Eq €3,571
CRF EXPRESS STATION
BE 0799.357.796
Florennes · Eq €3,522
Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 2,135 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
Founded23-07-2020
Fiscal year end30-06
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.