AMT Construct
ActiveThe computed 12-month bankruptcy probability of AMT Construct is 1.6% (moderate). The 2025 annual accounts show equity of €242k and a net result of €32k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 7719 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 6.54 against 4.91 in 2024; short-term debt: 15.2% and cash: 1.3% of total assets), and 15.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
84.8%
Return on assets
11.3%
Age of the figures
9 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 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
121 d late
2022
70 d late
2021
99 d late
2020
90 d late
2019
130 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€182k
EBIT margin
12.7%
Net result
€32k▼ 31.8%
2024 · €47k
2018: €17k
2019: €22k
2020: €36k
2021: €18k
2022: €14k
2023: €43k
2024: €47k
2018 → 2025
Working capital
€240k▲ 16.6%
2024 · €206k
2018: €26k
2019: €50k
2020: €79k
2021: €96k
2022: €114k
2023: €155k
2024: €206k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€120k▲ 12.9%€163k▲ 35.4%€210k▲ 28.9%€242k▲ 15.3%
Operating result€30k-€25k▼ 16.2%€64k▲ 152%€48k▼ 25.0%€50k▲ 4.9%
Net result€18k-€14k▼ 22.6%€43k▲ 210%€47k▲ 10.8%€32k▼ 31.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€2k▼ 48.4%
Current assets
€283k▲ 9.7%
Equity and liabilities €285k
Equity
€242k▲ 15.3%
Debt
€43k▼ 17.7%
The debt ratio falls from 20.0% to 15.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €56k
Cash flow
€34k▼
2024 · €55k
Solvency
84.8%▲
2024 · 80.0%
Current ratio
6.54▲
2024 · 4.91
Quick ratio
6.54▲
2024 · 4.91
Debt / equity
0.18▼
2024 · 0.25
ROE
13.3%▼
2024 · 22.4%
ROA
11.3%▼
2024 · 18.0%
Interest coverage
48.21▼
2024 · 60.09
Debt
€43k▼
2024 · €53k
Debt ≤ 1 year
€43k▼
2024 · €53k
Income taxes
€17k
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€262k€285k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€624€173▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€258k€283k▲
Amounts receivable after more than one year29€203k-
Other amounts receivable291€203k-
Amounts receivable within one year40/41€49k€275k▲
Trade receivables40€48k€14k▼
Other amounts receivable41€914€261k▲
Current investments50/53€694€694=
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€262k€285k▲
Equity10/15€210k€242k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€207k€239k▲
Amounts payable17/49€53k€43k▼
Amounts payable within one year42/48€53k€43k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€33k€15k▼
Suppliers440/4€33k€15k▼
Advances received on contracts in progress46€290€290=
Taxes, remuneration and social security45€15k€28k▲
Taxes450/3€15k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€2k▼
Other operating charges640/8€2k€26k▲
Gross operating margin9900€58k€78k▲
Operating profit (loss)9901€48k€50k▲
Financial income75/76B€143-
Recurring financial income75€143-
Financial charges65/66B€925€1k▲
Recurring financial charges65€925€1k▲
Non-recurring financial charges66B€925-
Profit (loss) for the period before taxes9903€47k€49k▲
Income taxes67/77-€17k
Profit (loss) for the period9904€47k€32k▼
Profit (loss) for the period to be appropriated9905€47k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€207k€239k▲
Profit (loss) brought forward from the previous period14P€160k€207k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €47k ▲10.8%
Net result €47k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 4.91
Current ratio from 2.32 to 4.91; short-term debt falls from €117k to €53k.
31-12
Financial
Equity above €200kEq €210k ▲28.9%
7 profitable years in a row build equity to €210k.
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 121 days late
2023
31-12
Financial
Equity above €150kEq €163k ▲35.4%
6 profitable years in a row build equity to €163k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €14k ▼22.6%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
07-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 99 days late
2021
31-12
Financial
Equity above €100kEq €106k ▲20%
4 profitable years in a row build equity to €106k.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 130 days late
2019
08-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 100 days late
2018
05-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2017
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.
Rassonstraat 191030 SchaarbeekGround area
240 m²
Building footprint
35 m²
Volume, LiDAR
123 m³
Parcel 21905C0020/00M007, Brussels · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rassonstraat 19, 1030 Schaarbeek
since 20172.262.385.537
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21905C0020/00M007 | Brussels | 240 m² | 1 · 35 m² | 8.7 m · 1 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.
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ART ET CHENE GILLES AZION
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,135. 7,207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2017
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43343Specialised construction activities
43910Bricklaying and masonry work
43994Specialised construction activities
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.