AMS
ActiveSummary
AMS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €57k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 82% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency94▼-6
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.22 against 5.1 in 2024; short-term debt: 30.6% and cash: 86.5% of total assets), and 30.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69.4%
Return on assets
54.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-05-2026, 64 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
64 d early
2024
115 d early
2023
128 d early
2022
153 d early
2021
29 d late
2020
31 d late
2019
91 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 370%
2024 · €15k
2018: €34k
2019: €32k
2020: €44k
2021: €49k
2022: €45k
2023: €28k
2024: €15k
2018 → 2025
Total assets
€104k▲ 444%
2024 · €19k
2018: €81k
2019: €89k
2020: €86k
2021: €82k
2022: €69k
2023: €35k
2024: €19k
2018 → 2025
Net result
€57k
2024 · €-12k
2018: €6k
2019: €-2k
2020: €12k
2021: €5k
2022: €-4k
2023: €-18k
2024: €-12k
2018 → 2025
Working capital
€71k▲ 362%
2024 · €15k
2018: €23k
2019: €23k
2020: €28k
2021: €35k
2022: €22k
2023: €13k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€45k▼ 8.4%€28k▼ 38.8%€15k▼ 44.5%€72k▲ 370%
Operating result€818-€-4k€-17k▼ 316%€-13k▲ 22.0%€62k
Net result€5k-€-4k€-18k▼ 322%€-12k▲ 29.7%€57k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €62k after a loss of €13k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€1k
Current assets
€103k
Equity and liabilities €104k
Equity
€72k ▲ 370%
Debt
€32k ▲ 750%
Debt's share of the balance-sheet total rises from 19.6% to 30.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k
Cash flow
€57k
Current ratio
3.22▼
2024 · 5.10
Debt to equity
0.44▲
2024 · 0.24
ROE
78.7%▲
2024 · -80.2%
ROA
54.6%▲
2024 · -64.5%
Interest coverage
7807.60
Debt ≤ 1 year
€32k▲
2024 · €4k
Income taxes
€6k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€19k€104k▲
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€19k€103k▲
Amounts receivable within one year40/41€19k€13k▼
Trade receivables40-€2k
Other amounts receivable41€19k€11k▼
Cash at bank and in hand54/58€63€90k▲
Equity and liabilities
Total equity and liabilities10/49€19k€104k▲
Equity10/15€15k€72k▲
Contributions10/11€19k€19k=
Reserves13€2k€54k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€52k
Profit (loss) carried forward14€-5k-
Amounts payable17/49€4k€32k▲
Amounts payable within one year42/48€4k€32k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45-€27k
Taxes450/3-€27k
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Remuneration, social security and pensions62€-571-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€48
Other operating charges640/8€15k€98▼
Gross operating margin9900€776€62k▲
Operating profit (loss)9901€-13k€62k▲
Financial income75/76B€1k€811▼
Recurring financial income75€1k€811▼
Financial charges65/66B€60€8▼
Recurring financial charges65€60€8▼
Profit (loss) for the period before taxes9903€-12k€63k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€-12k€57k▲
Profit (loss) for the period to be appropriated9905€-12k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€52k▲
Profit (loss) brought forward from the previous period14P€7k€-5k▼
Transfer to equity691/2-€52k
To other reserves6921-€52k
The notes to these accounts (5 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €57k
Net result €57k after 3 loss-making years.
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 302 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Verviers · 2 establishment units since 2016
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.
Rue Rogier 64800 VerviersGround area
1,484 m²
Building footprint
374 m²
Volume, LiDAR
4,448 m³
3 parcels, Wallonia · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
AMS Coiffure
since 20162.254.671.463
Rue Albert Ier 109, 4820 Dison
since 20192.309.142.903
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079D0403/00Y007 | Wallonia | 763 m² | 1 · 122 m² | 15.5 m · 4 fl. |
| 63079D0351/00K009 | Wallonia | 591 m² | 1 · 160 m² | 15.9 m · 4 fl. |
| 63020B0258/00C000 | Wallonia | 129 m² | 1 · 92 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
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SSCP
BE 0896.611.679
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CAPELLI
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Waasmunster · Eq €71,964
Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 1,948 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2016
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
47784Retail sale of souvenirs and religious articles
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.