AMS
ActiveSummary
AMS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €281,733 and a net result of €36,768. Equity is growing by ~20% per year across the filed fiscal years. Its solvency ranks better than 58% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▲+6
Solvency77▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 2.05 against 1.04 in 2024; short-term debt: 12.8% and cash: 13% of total assets), and 48% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
52%
Return on assets
6.8%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
5 d late
2023
on the day
2022
2 d early
2021
9 d late
2020
1 d early
2019
12 d late
← 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 3 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€281,733▲ 15.0%
2024 · €244,965
Total assets
€541,966▲ 6.9%
2024 · €507,049
Net result
€36,768▲ 320%
2024 · €8,762
Working capital
€72,843▲ 1,308%
2024 · €5,172
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€32,859▲ 14.0%€89,345▲ 172%€84,002▼ 6.0%€22,080▼ 73.7%€57,168▲ 159%
Net result€18,312within the sector's middle half▲ 127%€57,050above the sector's middle half▲ 212%€53,941above the sector's middle half▼ 5.4%€8,762within the sector's middle half▼ 83.8%€36,768above the sector's middle half▲ 320%
Equity€125,213within the sector's middle half▲ 17.1%€182,263above the sector's middle half▲ 45.6%€236,204above the sector's middle half▲ 29.6%€244,965above the sector's middle half▲ 3.7%€281,733above the sector's middle half▲ 15.0%
Total assets€483,326above the sector's middle half▼ 6.0%€610,521above the sector's middle half▲ 26.3%€546,872above the sector's middle half▼ 10.4%€507,049above the sector's middle half▼ 7.3%€541,966above the sector's middle half▲ 6.9%
Debt€358,113▼ 12.0%€428,258▲ 19.6%€310,669▼ 27.5%€262,083▼ 15.6%€260,233▼ 0.7%
Working capital-€54,233▲ 9.9%€28,095-€14,260€5,172€72,843▲ 1,308%
Solvency25.9%within the sector's middle half▲ 5.1pp29.9%within the sector's middle half▲ 3.9pp43.2%within the sector's middle half▲ 13.3pp48.3%within the sector's middle half▲ 5.1pp52.0%within the sector's middle half▲ 3.7pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 159% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €541,966
Fixed assets
€399,857 ▲ 5.0%
Current assets
€142,110 ▲ 12.4%
Equity and liabilities €541,966
Equity
€281,733 ▲ 15.0%
Debt
€260,233 ▼ 0.7%
Debt's share of the balance-sheet total falls from 51.7% to 48.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95,296▲
2024 · €59,981
Cash flow
€74,896▲
2024 · €46,663
Current ratio
2.05▲
2024 · 1.04
Debt to equity
0.92▼
2024 · 1.07
ROE
13.1%▲
2024 · 3.6%
ROA
6.8%▲
2024 · 1.7%
Interest coverage
12.97▲
2024 · 6.00
Debt ≤ 1 year
€69,267▼
2024 · €121,223
Debt > 1 year
€186,066▲
2024 · €134,560
Income taxes
€13,051▲
2024 · €3,333
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,792 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,792 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €1,080 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,627 | €29,393 | €33,911 | €37,901 | €38,128 | ▲ 0.6% |
| Other operating charges640/8 | €2,708 | €5,095 | €4,811 | €2,883 | €4,598 | ▲ 59.5% |
| Gross operating margin9900 | €65,193 | €123,832 | €122,724 | €62,864 | €99,894 | ▲ 58.9% |
| Operating profit (loss)9901 | €32,859 | €89,345 | €84,002 | €22,080 | €57,168 | ▲ 159% |
| Financial income75/76B | €10 | €154 | - | €17 | €0 | ▼ 99.7% |
| Recurring financial income75 | €10 | €154 | - | €17 | €0 | ▼ 99.7% |
| Financial charges65/66B | €4,675 | €4,730 | €9,690 | €10,003 | €7,349 | ▼ 26.5% |
| Recurring financial charges65 | €4,675 | €4,730 | €9,690 | €10,003 | €7,349 | ▼ 26.5% |
| Profit (loss) for the period before taxes9903 | €28,194 | €84,769 | €74,312 | €12,095 | €49,819 | ▲ 312% |
| Income taxes67/77 | €9,882 | €27,719 | €20,371 | €3,333 | €13,051 | ▲ 292% |
| Profit (loss) for the period9904 | €18,312 | €57,050 | €53,941 | €8,762 | €36,768 | ▲ 320% |
| Profit (loss) for the period to be appropriated9905 | €18,312 | €57,050 | €53,941 | €8,762 | €36,768 | ▲ 320% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €483,326 | €610,521 | €546,872 | €507,049 | €541,966 | ▲ 6.9% |
| Fixed assets21/28 | €396,548 | €380,803 | €417,316 | €380,654 | €399,857 | ▲ 5.0% |
| Tangible fixed assets22/27 | €396,548 | €380,803 | €417,316 | €380,654 | €399,857 | ▲ 5.0% |
| Land and buildings22 | €379,676 | €361,587 | €341,855 | €322,416 | €303,332 | ▼ 5.9% |
| Plant, machinery and equipment23 | €12,136 | €8,935 | €4,380 | €2,680 | €1,784 | ▼ 33.5% |
| Furniture and vehicles24 | €4,737 | €10,281 | €71,082 | €55,558 | €59,171 | ▲ 6.5% |
| Leasing and similar rights25 | - | - | - | - | €35,571 | - |
| Current assets29/58 | €86,778 | €229,718 | €129,556 | €126,395 | €142,110 | ▲ 12.4% |
| Amounts receivable within one year40/41 | €62,819 | €108,829 | €79,382 | €105,100 | €71,666 | ▼ 31.8% |
| Trade receivables40 | €54,171 | €106,192 | €78,276 | €68,120 | €68,341 | ▲ 0.3% |
| Other amounts receivable41 | €8,647 | €2,637 | €1,106 | €36,980 | €3,325 | ▼ 91.0% |
| Cash at bank and in hand54/58 | €21,499 | €120,595 | €50,174 | €20,941 | €70,444 | ▲ 236% |
| Deferred charges and accrued income490/1 | €2,460 | €294 | - | €353 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €483,326 | €610,521 | €546,872 | €507,049 | €541,966 | ▲ 6.9% |
| Equity10/15 | €125,213 | €182,263 | €236,204 | €244,965 | €281,733 | ▲ 15.0% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €105,213 | €162,263 | €216,204 | €224,965 | €261,733 | ▲ 16.3% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | - | - | - |
| Reserves not available under the articles1311 | €2,000 | €2,000 | €2,000 | - | - | - |
| Distributable reserves133 | €103,213 | €160,263 | €214,204 | €224,965 | €261,733 | ▲ 16.3% |
| Amounts payable17/49 | €358,113 | €428,258 | €310,669 | €262,083 | €260,233 | ▼ 0.7% |
| Amounts payable after more than one year17 | €204,724 | €211,457 | €161,952 | €134,560 | €186,066 | ▲ 38.3% |
| Financial debts170/4 | €204,724 | €211,457 | €161,952 | €134,560 | €131,217 | ▼ 2.5% |
| Other amounts payable178/9 | - | - | - | - | €54,849 | - |
| Amounts payable within one year42/48 | €141,011 | €201,624 | €143,816 | €121,223 | €69,267 | ▼ 42.9% |
| Current portion of amounts payable after more than one year42 | €35,541 | €52,296 | €49,505 | €47,566 | €38,944 | ▼ 18.1% |
| Financial debts43 | - | - | - | €1,812 | - | - |
| Credit institutions430/8 | - | - | - | €1,812 | - | - |
| Trade debts44 | €23,030 | €8,785 | €1,499 | €3,606 | €16,272 | ▲ 351% |
| Suppliers440/4 | €23,030 | €8,785 | €1,499 | €3,606 | €16,272 | ▲ 351% |
| Advances received on contracts in progress46 | €12,000 | €47,088 | - | - | - | - |
| Taxes, remuneration and social security45 | €11,737 | €33,519 | €22,771 | €8,522 | €14,051 | ▲ 64.9% |
| Taxes450/3 | €11,737 | €22,119 | €22,771 | €2,522 | €6,051 | ▲ 140% |
| Remuneration and social security454/9 | - | €11,400 | - | €6,000 | €8,000 | ▲ 33.3% |
| Other amounts payable47/48 | €58,702 | €59,935 | €70,041 | €59,716 | - | - |
| Accrued charges and deferred income492/3 | €12,378 | €15,178 | €4,900 | €6,300 | €4,900 | ▼ 22.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,312 | €57,050 | €53,941 | €8,762 | €36,768 | ▲ 320% |
| + Depreciation and write-downs630 | €29,627 | €29,393 | €33,911 | €37,901 | €38,128 | ▲ 0.6% |
| Operating cash flow (approximation) | €47,939 | €86,442 | €87,851 | €46,663 | €74,896 | ▲ 60.5% |
| Investment in fixed assets (approximation) | - | -€13,647 | -€70,424 | -€1,239 | -€57,331 | ▼ 4,528% |
| Change in cash | - | €99,096 | -€70,421 | -€29,233 | €49,503 | ▲ 269% |
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €200,000Eq €236,204 ▲29.6%
6 profitable years in a row build equity to €236,204.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €57,050 ▲212%
Operating result €89,345, net result €57,050, both a record.
30-09
Financial
Equity above €150,000Eq €182,263 ▲45.6%
5 profitable years in a row build equity to €182,263.
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €8,059 ▼52.8%
Net result drops to €8,059, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €100,000Eq €106,901 ▲8.2%
3 profitable years in a row build equity to €106,901.
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
Show earlier events
2019
07-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 191 days late
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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.
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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, Diest · 1 establishment unit since 2011
Ground area
533 m²
Building footprint
165 m²
Volume, LiDAR
1,292 m³
Parcel 24073L0175/00X000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AMS
since 20112.204.294.118
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24073L0175/00X000 | Flanders | 533 m² | 1 · 165 m² | 12.3 m · 3 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.
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Of 334 companies in sector 46471 we hold annual accounts for 189. 140 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
Founded16-10-2007
Fiscal year end30-09
Activities, NACEBEL 2025
46471Wholesale trade
31001Manufacture of furniture
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46472Wholesale trade
46839Wholesale trade
49420Removal services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0892929045
Also
9925:BE0892929045
Registered
16-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.