AMY

Active

Private limited companyfounded 20224 yrs activeWinterslagstraat 10, 3600 Genk, BelgiumKBO/BCE: BE 0780.696.580

The computed 12-month bankruptcy probability of AMY is 2.4% (moderate). The 2025 annual accounts show negative equity (€-16k) and a net result of €896. Equity is shrinking by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 16% of 18016 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

8 / 100

Critical▲ +8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency33▼-3

Growth58=

Stability94

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.35 against 0.6 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

-24.6%

Return on assets

1.4%

Age of the figures

8 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 18016 sector peers (2025).

NBB · sector comparison

Position among 18016 sector peers

Solvency

better than 16%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 filings

Deviation from the deadline

2025

3 d late

2024

91 d late

2023

61 d late

2022

60 d late

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€-16k▲ 5.4%

2024 · €-17k

2022: €3k 2023: €-19k 2024: €-17k

2022 → 2025

Total assets

€64k▲ 7.1%

2024 · €59k

2022: €3k 2023: €190k 2024: €59k

2022 → 2025

Net result

€896▼ 58.9%

2024 · €2k

2022: €65 2023: €-21k 2024: €2k

2022 → 2025

Working capital

€-52k▼ 69.7%

2024 · €-30k

2022: €3k 2023: €-31k 2024: €-30k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€3k-€-19k€-17k▲ 11.7%€-16k▲ 5.4%

Operating result€98-€-23k€508€1k▲ 122%

Net result€65-€-21k€2k€896▼ 58.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 122% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €64k

56.5%

43.5%

Fixed assets €36k▲ 159%

Current assets €28k▼ 39.2%

Key figures and ratios

2025 value · change against 2024

EBITDA

€4k▲

2024 · €2k

Cash flow

€4k▲

2024 · €4k

Solvency

-24.6%▲

2024 · -27.9%

Current ratio

0.35▼

2024 · 0.60

Quick ratio

0.30▼

2024 · 0.55

Debt / equity

-5.07▼

2024 · -4.59

ROE

-5.7%▲

2024 · -13.2%

ROA

1.4%▼

2024 · 3.7%

Interest coverage

18.22▲

2024 · -11.21

Debt

€79k▲

2024 · €76k

Debt ≤ 1 year

€79k▲

2024 · €76k

Staff costs

€3k▼

2024 · €128k

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€59k€64k▲

Fixed assets21/28€14k€36k▲

Tangible fixed assets22/27€14k€36k▲

Land and buildings22-€25k

Furniture and vehicles24€14k€11k▼

Current assets29/58€45k€28k▼

Stocks and contracts in progress3€4k€4k▲

Stocks30/36€4k€4k▲

Amounts receivable within one year40/41€39k€22k▼

Trade receivables40€15k€17k▲

Other amounts receivable41€24k€4k▼

Cash at bank and in hand54/58€3k€2k▼

Equity and liabilities

Total equity and liabilities10/49€59k€64k▲

Equity10/15€-17k€-16k▲

Contributions10/11€3k€3k=

Reserves13€65€65=

Distributable reserves133€65€65=

Profit (loss) carried forward14€-19k€-18k▲

Amounts payable17/49€76k€79k▲

Amounts payable within one year42/48€76k€79k▲

Trade debts44€2k€31k▲

Suppliers440/4€2k€31k▲

Other amounts payable47/48€74k€48k▼

Income statement Code20242025

Non-recurring operating income76A€1k€12k▲

Remuneration, social security and pensions62€128k€3k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲

Other operating charges640/8€2k€224▼

Gross operating margin9900€132k€7k▼

Operating profit (loss)9901€508€1k▲

Financial income75/76B€1k€0▼

Recurring financial income75€1k€0▼

Financial charges65/66B€-183€231▲

Recurring financial charges65€-183€231▲

Profit (loss) for the period before taxes9903€2k€896▼

Profit (loss) for the period9904€2k€896▼

Profit (loss) for the period to be appropriated9905€2k€896▼

Appropriation of the result

Profit (loss) to be appropriated9906€-19k€-18k▲

Profit (loss) brought forward from the previous period14P€-21k€-19k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 3 days late

2025

30-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 91 days late

2024

31-12

Financial Back to profitnet €2k

Net result €2k after one loss-making year.

30-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 61 days late

2023

31-12

Financial Weakest financial yearnet €-21k ▼32973%

Net result drops to €-21k, the lowest in the series; recovery starts the following year.

29-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 60 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 directors, no change since 2024

Zargar Salim

Director · since 01-11-2024

Current

01-11-2024 Zargar Salim: Appointed as Director

01-11-2024 Salim CommV: Resigned as Director

01-12-2023 Zargar Salim: Resigned as Director

01-12-2023 Salim CommV: Appointed as Director

01-12-2023 Salim CommV: Appointed as Permanent representative

Location & real-estate footprint

Registered office, Genk · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Winterslagstraat 103600 Genk

Ground area

584 m²

Building footprint

589 m²

Volume, LiDAR

5,907 m³

Parcel 71016I0911/00P000, Flanders · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

SaZaTech

Winterslagstraat 10, 3600 GenkRetail trade

since 20222.347.605.579

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71016I0911/00P000	Flanders	584 m²	1 · 589 m²	15.6 m · 4 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

LIMO BELGIUM SERVICES

Sint-Agatha-Berchem · Eq €3k

SAM LEIRENS IT CONSULTANCY

Of 3,210 companies in sector 47400 we hold annual accounts for 1,795. 445 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-01-2022

Fiscal year end31-12

Activities, NACEBEL

47400Retail sale of information and communication equipment

47420Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.