AMWO
ActiveSummary
AMWO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €645k and a net result of €95k. Equity is growing by ~26.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-4
Solvency76▲+8
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.01 in 2024; short-term debt: 21.2% and cash: 5.6% of total assets), and 48.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
51.2%
Return on assets
7.5%
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
30 d late
2022
30 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
€645k▲ 17.2%
2024 · €551k
Total assets
€1.26M▼ 1.9%
2024 · €1.28M
Net result
€95k▼ 29.5%
2024 · €134k
Working capital
€51k▲ 2,242%
2024 · €2k
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
Line2022202320242025
Operating result€64k-€197k▲ 208%€189k▼ 4.1%€146k▼ 23.1%
Net result€249k-€142k▼ 42.8%€134k▼ 5.9%€95k▼ 29.5%
Equity€274k-€417k▲ 52.0%€551k▲ 32.2%€645k▲ 17.2%
Total assets€671k-€777k▲ 15.8%€1.28M▲ 65.1%€1.26M▼ 1.9%
Debt€397k-€361k▼ 9.1%€733k▲ 103%€614k▼ 16.2%
Working capital€-156k-€-15k▲ 90.2%€2k€51k▲ 2,242%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€941k ▲ 1.4%
Current assets
€318k ▼ 10.4%
Equity and liabilities €1.26M
Equity
€645k ▲ 17.2%
Debt
€614k ▼ 16.2%
Debt's share of the balance-sheet total falls from 57.1% to 48.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€161k▼
2024 · €200k
Cash flow
€110k▼
2024 · €145k
Current ratio
1.19▲
2024 · 1.01
Debt to equity
0.95▼
2024 · 1.33
ROE
14.6%▼
2024 · 24.3%
ROA
7.5%▼
2024 · 10.4%
Interest coverage
6.41▼
2024 · 11.62
Debt ≤ 1 year
€267k▼
2024 · €353k
Debt > 1 year
€318k▼
2024 · €364k
Income taxes
€26k▼
2024 · €38k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €0 | €11k | €15k | ▲ 37.9% |
| Other operating charges640/8 | €929 | €505 | €540 | €528 | ▼ 2.3% |
| Gross operating margin9900 | €68k | €198k | €201k | €161k | ▼ 19.7% |
| Operating profit (loss)9901 | €64k | €197k | €189k | €146k | ▼ 23.1% |
| Financial income75/76B | €200k | €0 | - | €305 | - |
| Recurring financial income75 | €200k | €0 | - | €305 | - |
| Financial charges65/66B | €3k | €14k | €17k | €25k | ▲ 45.3% |
| Recurring financial charges65 | €3k | €14k | €17k | €25k | ▲ 45.3% |
| Profit (loss) for the period before taxes9903 | €261k | €183k | €172k | €121k | ▼ 29.8% |
| Income taxes67/77 | €12k | €41k | €38k | €26k | ▼ 30.8% |
| Profit (loss) for the period9904 | €249k | €142k | €134k | €95k | ▼ 29.5% |
| Profit (loss) for the period to be appropriated9905 | €249k | €142k | €134k | €95k | ▼ 29.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €671k | €777k | €1.28M | €1.26M | ▼ 1.9% |
| Fixed assets21/28 | €502k | €502k | €928k | €941k | ▲ 1.4% |
| Tangible fixed assets22/27 | - | - | €426k | €439k | ▲ 3.0% |
| Land and buildings22 | - | - | €426k | €432k | ▲ 1.5% |
| Plant, machinery and equipment23 | - | - | - | €2k | - |
| Furniture and vehicles24 | - | - | - | €4k | - |
| Financial fixed assets28 | €502k | €502k | €502k | €502k | = |
| Current assets29/58 | €169k | €275k | €355k | €318k | ▼ 10.4% |
| Amounts receivable within one year40/41 | €122k | €129k | €259k | €235k | ▼ 9.3% |
| Trade receivables40 | €62k | €129k | €184k | €160k | ▼ 13.1% |
| Other amounts receivable41 | €60k | €0 | €76k | €76k | = |
| Current investments50/53 | - | - | - | €12k | - |
| Cash at bank and in hand54/58 | €47k | €146k | €96k | €70k | ▼ 26.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €671k | €777k | €1.28M | €1.26M | ▼ 1.9% |
| Equity10/15 | €274k | €417k | €551k | €645k | ▲ 17.2% |
| Contributions10/11 | €25k | €25k | €25k | €25k | = |
| Reserves13 | €245k | €390k | €525k | €620k | ▲ 18.1% |
| Distributable reserves133 | €245k | €390k | €525k | €620k | ▲ 18.1% |
| Profit (loss) carried forward14 | €4k | €2k | €583 | €88 | ▼ 85.0% |
| Amounts payable17/49 | €397k | €361k | €733k | €614k | ▼ 16.2% |
| Amounts payable after more than one year17 | €72k | €58k | €364k | €318k | ▼ 12.5% |
| Financial debts170/4 | €72k | €58k | €364k | €318k | ▼ 12.5% |
| Amounts payable within one year42/48 | €325k | €290k | €353k | €267k | ▼ 24.4% |
| Current portion of amounts payable after more than one year42 | €14k | €14k | €27k | €45k | ▲ 69.2% |
| Financial debts43 | €60k | €0 | - | - | - |
| Credit institutions430/8 | €60k | €0 | - | - | - |
| Trade debts44 | €504 | €711 | €19k | €11 | ▼ 99.9% |
| Suppliers440/4 | €504 | €711 | €19k | €11 | ▼ 99.9% |
| Taxes, remuneration and social security45 | €26k | €73k | €116k | €51k | ▼ 56.1% |
| Taxes450/3 | €26k | €73k | €116k | €51k | ▼ 56.1% |
| Other amounts payable47/48 | €224k | €203k | €191k | €170k | ▼ 11.0% |
| Accrued charges and deferred income492/3 | - | €12k | €16k | €29k | ▲ 83.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €249k | €142k | €134k | €95k | ▼ 29.5% |
| + Depreciation and write-downs630 | €3k | €0 | €11k | €15k | ▲ 37.9% |
| Operating cash flow (approximation) | €252k | €142k | €145k | €110k | ▼ 24.4% |
| Investment in fixed assets (approximation) | - | €0 | €-437k | €-28k | ▲ 93.6% |
| Change in cash | - | €99k | €-50k | €-25k | ▲ 49.2% |
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
31-12
Financial
Weakest financial yearnet €95k ▼29.5%
Net result drops to €95k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €500kEq €551k ▲32.2%
3 profitable years in a row build equity to €551k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Torhout · 1 establishment unit since 2021
Ground area
9,420 m²
Building footprint
3,523 m²
Volume, LiDAR
21,900 m³
Parcel 31522B0485/00B000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
AMWO
since 20212.320.675.906
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31522B0485/00B000 | Flanders | 9,420 m² | 1 · 3,523 m² | 9.2 m · 2 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 5,710 companies in sector 70100 we hold annual accounts for 3,495. 2,099 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
Founded23-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
52210Service activities incidental to land transportation
Contact
E-mail
strijkpunttamara@gmail.comTorhout
Phone
0496685739Torhout
Scores and ratios are computed by Checked and are not a credit decision.