AMSAEY
ActiveSummary
The computed 12-month bankruptcy probability of AMSAEY is 2.7% (moderate). The 2025 annual accounts show equity of €6k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 18400 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
Score 2025
Axes · tick = 2024
Profitability75▼-6
Solvency31▲+5
Growth32=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five 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 · 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
16 d early
2023
34 d early
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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▲ 1,406%
2024 · €394
2022: €13khighest in 4 years
2023: €-6k▼ -146% vs 2022lowest in 4 years
2024: €394▲ +106% vs 2023
2025: €6k▲ +1406% vs 2024
2022 → 2025
Total assets
€103k▲ 52.6%
2024 · €68k
2022: €74k
2023: €89k▲ +20.8% vs 2022
2024: €68k▼ -24.1% vs 2023lowest in 4 years
2025: €103k▲ +52.6% vs 2024highest in 4 years
2022 → 2025
Net result
€6k▼ 14.3%
2024 · €6k
2022: €8khighest in 4 years
2023: €-19k▼ -337% vs 2022lowest in 4 years
2024: €6k▲ +134% vs 2023
2025: €6k▼ -14.3% vs 2024
2022 → 2025
Working capital
€-57k▼ 13.7%
2024 · €-50k
2022: €-30khighest in 4 years
2023: €-65k▼ -119% vs 2022lowest in 4 years
2024: €-50k▲ +22.3% vs 2023
2025: €-57k▼ -13.7% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€-6k€394€6k▲ 1,406%
2022: €13khighest in 4 years
2023: €-6k▼ -146% vs 2022lowest in 4 years
2024: €394▲ +106% vs 2023
2025: €6k▲ +1406% vs 2024
Operating result€14k-€-16k€10k€7k▼ 22.6%
2022: €14khighest in 4 years
2023: €-16k▼ -216% vs 2022lowest in 4 years
2024: €10k▲ +161% vs 2023
2025: €7k▼ -22.6% vs 2024
Net result€8k-€-19k€6k€6k▼ 14.3%
2022: €8khighest in 4 years
2023: €-19k▼ -337% vs 2022lowest in 4 years
2024: €6k▲ +134% vs 2023
2025: €6k▼ -14.3% 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 falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€63k ▲ 20.6%
Current assets
€40k ▲ 175%
Equity and liabilities €103k
Equity
€6k ▲ 1,406%
Debt
€97k ▲ 44.6%
Debt's share of the balance-sheet total falls from 99.4% to 94.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €24k
Cash flow
€21k▲
2024 · €21k
Current ratio
0.41▲
2024 · 0.22
Quick ratio
0.32▲
2024 · 0.12
Debt to equity
16.38
ROE
93.4%
ROA
5.4%▼
2024 · 9.6%
Interest coverage
10.06▲
2024 · 7.63
Debt ≤ 1 year
€97k▲
2024 · €65k
Staff costs
€86k▲
2024 · €71k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€68k€103k▲
Formation expenses20€913€412▼
Fixed assets21/28€52k€63k▲
Tangible fixed assets22/27€52k€63k▲
Plant, machinery and equipment23€36k€53k▲
Furniture and vehicles24€16k€10k▼
Current assets29/58€14k€40k▲
Stocks and contracts in progress3€6k€9k▲
Stocks30/36€6k€9k▲
Amounts receivable within one year40/41€593€15k▲
Trade receivables40€593€15k▲
Cash at bank and in hand54/58€7k€15k▲
Deferred charges and accrued income490/1€863€297▼
Equity and liabilities
Total equity and liabilities10/49€68k€103k▲
Equity10/15€394€6k▲
Contributions10/11€5k€5k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-13k€-7k▲
Amounts payable17/49€67k€97k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€65k€97k▲
Current portion of amounts payable after more than one year42€6k€2k▼
Trade debts44€13k€58k▲
Suppliers440/4€13k€58k▲
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€3k€3k▼
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€34k€24k▼
Income statement
Code20242025
Remuneration, social security and pensions62€71k€86k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€306€4k▲
Gross operating margin9900€97k€114k▲
Operating profit (loss)9901€10k€7k▼
Financial income75/76B€3€391▲
Recurring financial income75€3€391▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€6k€6k▼
Profit (loss) for the period9904€6k€6k▼
Profit (loss) for the period to be appropriated9905€6k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-7k▲
Profit (loss) brought forward from the previous period14P€-19k€-13k▲
The notes to these accounts (5 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 | €6k | €59k | €71k | €86k | ▲ 20.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €12k | €15k | €16k | ▲ 8.2% |
| Other operating charges640/8 | €814 | €1k | €1k | €1k | ▲ 14.5% |
| Non-recurring operating charges66A | - | - | €306 | €4k | ▲ 1,275% |
| Gross operating margin9900 | €25k | €56k | €97k | €114k | ▲ 18.0% |
| Operating profit (loss)9901 | €14k | €-16k | €10k | €7k | ▼ 22.6% |
| Financial income75/76B | - | €55 | €3 | €391 | ▲ 12,981% |
| Recurring financial income75 | - | €55 | €3 | €391 | ▲ 12,981% |
| Financial charges65/66B | €5k | €3k | €3k | €2k | ▼ 27.2% |
| Recurring financial charges65 | €5k | €3k | €3k | €2k | ▼ 27.2% |
| Profit (loss) for the period before taxes9903 | €9k | €-19k | €6k | €6k | ▼ 14.3% |
| Income taxes67/77 | €956 | - | - | - | - |
| Profit (loss) for the period9904 | €8k | €-19k | €6k | €6k | ▼ 14.3% |
| Profit (loss) for the period to be appropriated9905 | €8k | €-19k | €6k | €6k | ▼ 14.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €74k | €89k | €68k | €103k | ▲ 52.6% |
| Formation expenses20 | €2k | €1k | €913 | €412 | ▼ 54.8% |
| Fixed assets21/28 | €41k | €66k | €52k | €63k | ▲ 20.6% |
| Tangible fixed assets22/27 | €40k | €66k | €52k | €63k | ▲ 20.6% |
| Plant, machinery and equipment23 | €30k | €44k | €36k | €53k | ▲ 47.6% |
| Furniture and vehicles24 | €10k | €23k | €16k | €10k | ▼ 40.6% |
| Financial fixed assets28 | €1k | - | - | - | - |
| Current assets29/58 | €31k | €21k | €14k | €40k | ▲ 175% |
| Stocks and contracts in progress3 | €8k | €4k | €6k | €9k | ▲ 34.6% |
| Stocks30/36 | €8k | €4k | €6k | €9k | ▲ 34.6% |
| Amounts receivable within one year40/41 | €8k | €5k | €593 | €15k | ▲ 2,509% |
| Trade receivables40 | €8k | €4k | €593 | €15k | ▲ 2,509% |
| Other amounts receivable41 | - | €556 | - | - | - |
| Cash at bank and in hand54/58 | €14k | €12k | €7k | €15k | ▲ 133% |
| Deferred charges and accrued income490/1 | - | €810 | €863 | €297 | ▼ 65.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €74k | €89k | €68k | €103k | ▲ 52.6% |
| Equity10/15 | €13k | €-6k | €394 | €6k | ▲ 1,406% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Reserves13 | €8k | €8k | €8k | €8k | = |
| Distributable reserves133 | €8k | €8k | €8k | €8k | = |
| Profit (loss) carried forward14 | €84 | €-19k | €-13k | €-7k | ▲ 43.9% |
| Amounts payable17/49 | €61k | €95k | €67k | €97k | ▲ 44.6% |
| Amounts payable after more than one year17 | - | €9k | €2k | - | - |
| Financial debts170/4 | - | €9k | €2k | - | - |
| Amounts payable within one year42/48 | €60k | €86k | €65k | €97k | ▲ 49.7% |
| Current portion of amounts payable after more than one year42 | - | €6k | €6k | €2k | ▼ 65.4% |
| Trade debts44 | €29k | €30k | €13k | €58k | ▲ 360% |
| Suppliers440/4 | €29k | €30k | €13k | €58k | ▲ 360% |
| Taxes, remuneration and social security45 | €3k | €11k | €12k | €12k | ▲ 5.5% |
| Taxes450/3 | €2k | €4k | €3k | €3k | ▼ 2.3% |
| Remuneration and social security454/9 | €1k | €7k | €8k | €9k | ▲ 8.7% |
| Other amounts payable47/48 | €28k | €39k | €34k | €24k | ▼ 28.2% |
| Accrued charges and deferred income492/3 | €131 | - | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8k | €-19k | €6k | €6k | ▼ 14.3% |
| + Depreciation and write-downs630 | €5k | €12k | €15k | €16k | ▲ 8.2% |
| Operating cash flow (approximation) | €13k | €-7k | €21k | €21k | ▲ 1.3% |
| Investment in fixed assets (approximation) | - | €-37k | €-500 | €-26k | ▼ 5,186% |
| Change in cash | - | €-3k | €-5k | €9k | ▲ 280% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
17-08
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 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Habay · 2 establishment units since 2021
Ground area
4,932 m²
Building footprint
973 m²
Volume, LiDAR
9,720 m³
2 parcels, Wallonia · tallest building 15.2 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
Avenue de la Gare 34, 6720 Habay
since 20212.321.877.518
Rue du Pont-d'Oye 1, 6720 Habay
since 20262.384.618.108
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85014B0911/00D000 | Wallonia | 4,186 m² | 1 · 973 m² | 15.2 m · 3 fl. |
| 85014A0840/00H000 | Wallonia | 746 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2 sitesHabay2.321.877.518
Habay2.384.618.108
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Of 2,475 companies in sector 47279 we hold annual accounts for 949. 458 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
Founded16-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47279Other retail sale of food
56210Event catering
10850Manufacture of food products
47252Retail sale of beverages, general range
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.