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AMURELA

Active
Private limited companyfounded 198838 yrs activePaleizenstraat 10, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0434.349.865
Summary

AMURELA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84,867 and a net result of €8,850. Equity is growing by ~11.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.1% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability63▼-15
Solvency100▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 71.13 against 2.99 in 2024; short-term debt: 1% and cash: 72.9% of total assets), and 1% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 38 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
99%
Return on assets
10.3%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
23 d early
2024
6 d early
2023
12 d early
2022
14 d late
2021
51 d late
2020
416 d late
2019
727 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 167 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 25 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 1 June 1988, AMURELA was incorporated.1 Total assets went from EUR 60,164 in 2018 to EUR 85,746 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€8,850▲ 15.9%
2024 · €7,638
Working capital
€61,632▲ 16.7%
2024 · €52,804
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€6,548▼ 30.4%€8,527▲ 30.2%€8,947▲ 4.9%€11,194▲ 25.1%€13,229▲ 18.2%
Net result€4,285▼ 36.8%€5,902▲ 37.7%€6,318▲ 7.0%€7,638▲ 20.9%€8,850▲ 15.9%
Equity€56,159▲ 8.3%€62,061▲ 10.5%€68,379▲ 10.2%€76,017▲ 11.2%€84,867▲ 11.6%
Total assets€82,854▲ 2.5%€86,953▲ 4.9%€93,387▲ 7.4%€102,628▲ 9.9%€85,746▼ 16.4%
Debt€26,695▼ 7.8%€24,892▼ 6.8%€25,008▲ 0.5%€26,611▲ 6.4%€879▼ 96.7%
Working capital€22,579▲ 64.0%€32,881▲ 45.6%€43,685▲ 32.9%€52,804▲ 20.9%€61,632▲ 16.7%
Result per fiscal year
Operating resultNet result
€0€5,000€10,000€15,000Operating result 2021: €6,548€6,548Net result 2021: €4,285€4,285Operating result 2022: €8,527€8,527Net result 2022: €5,902€5,902Operating result 2023: €8,947€8,947Net result 2023: €6,318€6,318Operating result 2024: €11,194€11,194Net result 2024: €7,638€7,638Operating result 2025: €13,229€13,229Net result 2025: €8,850€8,85020212022202320242025€0€5,000€10,000€15,000Operating result 2023: €8,947€8,950Net result 2023: €6,318€6,320Operating result 2024: €11,194€11,200Net result 2024: €7,638€7,640Operating result 2025: €13,229€13,200Net result 2025: €8,850€8,850202320242025
The operating result has risen four years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85,746
Fixed assets €23,235 =
Current assets €62,510 ▼ 21.3%
Equity and liabilities €85,746
Equity €84,867 ▲ 11.6%
Debt €879 ▼ 96.7%
Debt's share of the balance-sheet total falls from 25.9% to 1.0%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
Current ratio
71.13▲
2024 · 2.99
Debt to equity
0.01▼
2024 · 0.35
ROE
10.4%▲
2024 · 10.0%
ROA
10.3%▲
2024 · 7.4%
Debt ≤ 1 year
€879▼
2024 · €26,588
Income taxes
€4,130▲
2024 · €3,296
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.5% went bankrupt
5.9% stopped otherwise
93% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

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 31,370 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet Code20242025
Assets
Total assets20/58€102,628€85,746▼
Fixed assets21/28€23,235€23,235=
Tangible fixed assets22/27€23,235€23,235=
Land and buildings22€23,235€23,235=
Current assets29/58€79,392€62,510▼
Cash at bank and in hand54/58€79,392€62,510▼
Deferred charges and accrued income490/1€1-
Equity and liabilities
Total equity and liabilities10/49€102,628€85,746▼
Equity10/15€76,017€84,867▲
Contributions10/11€18,642€18,642=
Capital10€18,642€18,642=
Issued capital100€18,642€18,642=
Reserves13€9,499€18,344▲
Non-distributable reserves130/1€9,499€18,344▲
Legal reserve130€1,864€1,864=
Reserves not available under the articles1311€7,635€16,480▲
Profit (loss) carried forward14€47,876€47,881=
Amounts payable17/49€26,611€879▼
Amounts payable within one year42/48€26,588€879▼
Taxes, remuneration and social security45€3,909€879▼
Taxes450/3€3,909€879▼
Other amounts payable47/48€22,679-
Accrued charges and deferred income492/3€23-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,487-
Other operating charges640/8€947€400▼
Gross operating margin9900€13,628€13,629=
Operating profit (loss)9901€11,194€13,229▲
Financial income75/76B€4€3▼
Recurring financial income75€4€3▼
Financial charges65/66B€264€252▼
Recurring financial charges65€264€252▼
Profit (loss) for the period before taxes9903€10,934€12,980▲
Income taxes67/77€3,296€4,130▲
Profit (loss) for the period9904€7,638€8,850▲
Profit (loss) for the period to be appropriated9905€7,638€8,850▲
Appropriation of the result
Profit (loss) to be appropriated9906€55,511€56,726▲
Profit (loss) brought forward from the previous period14P€47,873€47,876=
Transfer to equity691/2€7,635€8,845▲
To other reserves6921€7,635€8,845▲

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A€18,000€18,000€18,000---
Goods, raw materials, services and sundry goods60/61€841€650€675---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,462€4,462€4,462€1,487--
Other operating charges640/8€6,149€4,361€3,916€947€400▼ 57.8%
Gross operating margin9900€17,159€17,350€17,325€13,628€13,629=
Operating profit (loss)9901€6,548€8,527€8,947€11,194€13,229▲ 18.2%
Financial income75/76B--€1€4€3▼ 32.9%
Recurring financial income75--€1€4€3▼ 32.9%
Financial charges65/66B€299€252€330€264€252▼ 4.6%
Recurring financial charges65€299€252€330€264€252▼ 4.6%
Profit (loss) for the period before taxes9903€6,249€8,275€8,618€10,934€12,980▲ 18.7%
Income taxes67/77€1,964€2,373€2,300€3,296€4,130▲ 25.3%
Profit (loss) for the period9904€4,285€5,902€6,318€7,638€8,850▲ 15.9%
Profit (loss) for the period to be appropriated9905€4,285€5,902€6,318€7,638€8,850▲ 15.9%
Line20212022202320242025Change
Assets
Total assets20/58€82,854€86,953€93,387€102,628€85,746▼ 16.4%
Fixed assets21/28€33,647€29,185€24,723€23,235€23,235=
Tangible fixed assets22/27€33,647€29,185€24,723€23,235€23,235=
Land and buildings22€33,647€29,185€24,723€23,235€23,235=
Current assets29/58€49,207€57,768€68,664€79,392€62,510▼ 21.3%
Current investments50/53€602€602€597---
Cash at bank and in hand54/58€48,605€56,607€67,507€79,392€62,510▼ 21.3%
Deferred charges and accrued income490/1-€559€560€1--
Equity and liabilities
Total equity and liabilities10/49€82,854€86,953€93,387€102,628€85,746▼ 16.4%
Equity10/15€56,159€62,061€68,379€76,017€84,867▲ 11.6%
Contributions10/11€18,642€18,642€18,642€18,642€18,642=
Capital10---€18,642€18,642=
Issued capital100---€18,642€18,642=
Reserves13€1,864€1,864€1,864€9,499€18,344▲ 93.1%
Non-distributable reserves130/1€1,864€1,864€1,864€9,499€18,344▲ 93.1%
Legal reserve130---€1,864€1,864=
Reserves not available under the articles1311€1,864€1,864€1,864€7,635€16,480▲ 116%
Profit (loss) carried forward14€35,653€41,555€47,873€47,876€47,881=
Amounts payable17/49€26,695€24,892€25,008€26,611€879▼ 96.7%
Amounts payable within one year42/48€26,628€24,887€24,979€26,588€879▼ 96.7%
Taxes, remuneration and social security45€3,949€2,208€2,300€3,909€879▼ 77.5%
Taxes450/3€3,949€2,208€2,300€3,909€879▼ 77.5%
Other amounts payable47/48€22,679€22,679€22,679€22,679--
Accrued charges and deferred income492/3€67€5€29€23--
Line20212022202320242025Change
Profit (loss) for the period9904€4,285€5,902€6,318€7,638€8,850▲ 15.9%
+ Depreciation and write-downs630€4,462€4,462€4,462€1,487--
Operating cash flow (approximation)€8,747€10,364€10,780€9,125€8,850▼ 3.0%
Investment in fixed assets (approximation)-€0€0€0€0▼ 100%
Change in cash-€8,002€10,900€11,885-€16,881▼ 242%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
08-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Liquidity times 24current ratio 71.13
Current ratio from 2.99 to 71.13; short-term debt falls from €26,588 to €879.
25-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
14-08
NBB filing Annual accounts filed
fiscal year 2022 · full schema · 14 days late
2022
20-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 51 days late
20-09
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 416 days late
28-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 727 days late
2021
31-12
Financial Weakest financial yearnet €4,285 ▼36.8%
Net result drops to €4,285, the lowest in the series; recovery starts the following year.
2019
30-09
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
29-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2016
30-08
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 30 days late
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, Schaarbeek · 1 establishment unit since 1988
seat establishment The establishment unit on the map
Ground area
301 m²
Building footprint
185 m²
Volume, LiDAR
2,648 m³
2 parcels, Brussels · tallest building 22.4 m, ±5 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
AMURELA
Dupontstraat 93, 1030 SchaarbeekInsurance, reinsurance and pension funding, except compulsory social security
since 19882.038.487.761
2 parcels
Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21908E0298/00F003
ProtectedSite or landscapeSint-Mariakerk en haar omgeving
Brussels 183 m² 1 · 93 m² 22.4 m · 5 fl.
21908E0250/00A002 Brussels 118 m² 1 · 92 m² 17.7 m · 5 fl.
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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Identification & contact

Identification
Legal formPrivate limited company
Founded01-06-1988
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.