AMSver bv
ActiveAMSver bv has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €55k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 2669 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth41▲+6
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 6.29 against 3.9 in 2024), and 15.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
84.5%
Return on assets
21.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 5 filingsDeviation from the deadline
2025
21 d late
2024
61 d late
2023
68 d late
2022
32 d late
2021
30 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€174k▲ 14.9%
2024 · €152k
2021: €214k
2022: €138k
2023: €150k
2024: €152k
2021 → 2025
EBIT margin
45.0%▲ 1.6pp
2024 · 43.3%
2021: 55.4%
2022: 39.9%
2023: 41.8%
2024: 43.3%
2021 → 2025
Net result
€55k▲ 22.2%
2024 · €45k
2021: €86k
2022: €39k
2023: €37k
2024: €45k
2021 → 2025
Working capital
€212k▲ 37.2%
2024 · €154k
2021: €52k
2022: €83k
2023: €109k
2024: €154k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€214k-€138k▼ 35.7%€150k▲ 9.0%€152k▲ 1.1%€174k▲ 14.9%
Equity€54k-€93k▲ 71.3%€117k▲ 25.8%€162k▲ 38.7%€218k▲ 34.1%
Operating result€119k-€55k▼ 53.7%€63k▲ 14.1%€66k▲ 4.8%€78k▲ 19.2%
Net result€86k-€39k▼ 55.1%€37k▼ 4.4%€45k▲ 22.3%€55k▲ 22.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €258k
Fixed assets
€6k▼ 26.8%
Current assets
€252k▲ 21.4%
Equity and liabilities €258k
Equity
€218k▲ 34.1%
Debt
€40k▼ 24.7%
The debt ratio falls from 24.7% to 15.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€82k▲
2024 · €70k
Cash flow
€59k▲
2024 · €49k
Solvency
84.5%▲
2024 · 75.3%
Current ratio
6.29▲
2024 · 3.90
Quick ratio
6.29▲
2024 · 3.90
Debt / equity
0.18▼
2024 · 0.33
ROE
25.4%▼
2024 · 27.9%
ROA
21.5%▲
2024 · 21.0%
Interest coverage
225.83▲
2024 · 121.69
Debt
€40k▼
2024 · €53k
Debt ≤ 1 year
€40k▼
2024 · €53k
Income taxes
€23k▲
2024 · €20k
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€216k€258k▲
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€2k€655▼
Furniture and vehicles24€3k€3k▼
Current assets29/58€208k€252k▲
Amounts receivable within one year40/41€52k€66k▲
Trade receivables40€18k€16k▼
Other amounts receivable41€34k€50k▲
Current investments50/53€14k€17k▲
Cash at bank and in hand54/58€141k€167k▲
Deferred charges and accrued income490/1€567€3k▲
Equity and liabilities
Total equity and liabilities10/49€216k€258k▲
Equity10/15€162k€218k▲
Contributions10/11€5k€5k=
Outside capital11€5k€5k=
Share premium1100/10€5k€5k=
Reserves13€157k€213k▲
Distributable reserves133€157k€213k▲
Amounts payable17/49€53k€40k▼
Amounts payable within one year42/48€53k€40k▼
Trade debts44€17k€938▼
Suppliers440/4€17k€938▼
Taxes, remuneration and social security45€36k€39k▲
Taxes450/3€36k€39k▲
Income statement
Code20242025
Turnover70€152k€174k▲
Goods, raw materials, services and sundry goods60/61€82k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€370€950▲
Gross operating margin9900€70k€83k▲
Operating profit (loss)9901€66k€78k▲
Financial charges65/66B€572€361▼
Recurring financial charges65€572€361▼
Profit (loss) for the period before taxes9903€65k€78k▲
Income taxes67/77€20k€23k▲
Profit (loss) for the period9904€45k€55k▲
Profit (loss) for the period to be appropriated9905€45k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€55k▲
Transfer to equity691/2€45k€55k▲
To other reserves6921€45k€55k▲
The notes to these accounts (4 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-12
Financial
Equity above €200kEq €218k ▲34.1%
5 profitable years in a row build equity to €218k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €150kEq €162k ▲38.7%
4 profitable years in a row build equity to €162k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Weakest financial yearnet €37k ▼4.4%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €117k ▲25.8%
3 profitable years in a row build equity to €117k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Leuven · 1 establishment unit since 2020
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.
Duinberglaan 1243001 LeuvenGround area
360 m²
Building footprint
84 m²
Volume, LiDAR
451 m³
Parcel 24433E0265/00Y002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AMSver bv
since 20202.308.420.153
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0265/00Y002 | Flanders | 360 m² | 1 · 84 m² | 8.1 m · 2 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.
Similar companies · same sector, comparable size
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PROFIT+
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 6,470 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2020
Fiscal year end31-12
Abbreviation NL
AMSver
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.