AMY CAPITAL

Active

Private limited companyfounded 20224 yrs activeHindelaan 11, 2970 Schilde, BelgiumKBO/BCE: BE 0783.824.039

The computed 12-month bankruptcy probability of AMY CAPITAL is 3.7% (moderate). The 2025 annual accounts show equity of €48k and a net result of €26k. Equity is growing by ~39.5% per year across the filed fiscal years. Its solvency ranks better than 74% of 4488 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

75 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+50

Solvency89▲+8

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

3.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 3.67 against 1.8 in 2024; short-term debt: 20% of total assets), and 36.3% of the assets are financed with debt.

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.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

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

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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

63.7%

Return on assets

34.7%

Age of the figures

9 mo

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 filings

Deviation from the deadline

2025

31 d late

2024

31 d late

2023

31 d late

2022

28 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

17-09-2026 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

Turnover

€159k

EBIT margin

11.0%

Net result

€26k

2024 · €-7k

2022: €13k 2023: €14k 2024: €-7k

2022 → 2025

Working capital

€40k▲ 194%

2024 · €14k

2023: €27k 2024: €14k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Turnover€159k

Equity€16k-€29k▲ 86.8%€22k▼ 25.2%€48k▲ 120%

Operating result€13k-€18k▲ 32.4%€12k▼ 30.9%€11k▼ 9.2%

Net result€13k-€14k▲ 7.5%€-7k€26k

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 9% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €75k

26.8%

73.2%

Fixed assets €20k▲ 146%

Current assets €55k▲ 80.0%

Equity and liabilities €75k

63.7%

36.3%

Equity €48k▲ 120%

Debt €27k▲ 60.8%

The debt ratio falls from 43.7% to 36.3%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€12k▼

2024 · €13k

Cash flow

€28k▲

2024 · €-7k

Solvency

63.7%▲

2024 · 56.3%

Current ratio

3.67▲

2024 · 1.80

Quick ratio

3.67▲

2024 · 1.80

Debt / equity

0.57▼

2024 · 0.78

ROE

54.5%▲

2024 · -33.7%

ROA

34.7%▲

2024 · -19.0%

Interest coverage

34.50▼

2024 · 85.66

Debt

€27k▲

2024 · €17k

Debt ≤ 1 year

€15k▼

2024 · €17k

Debt > 1 year

€12k

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€39k€75k▲

Fixed assets21/28€8k€20k▲

Tangible fixed assets22/27€8k€20k▲

Furniture and vehicles24€8k€20k▲

Current assets29/58€31k€55k▲

Amounts receivable within one year40/41€7k€52k▲

Trade receivables40€4k€4k▼

Other amounts receivable41€3k€48k▲

Cash at bank and in hand54/58€19k-

Deferred charges and accrued income490/1€4k€3k▼

Equity and liabilities

Total equity and liabilities10/49€39k€75k▲

Equity10/15€22k€48k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€19k€45k▲

Amounts payable17/49€17k€27k▲

Amounts payable after more than one year17-€12k

Financial debts170/4-€12k

Amounts payable within one year42/48€17k€15k▼

Current portion of amounts payable after more than one year42-€7k

Trade debts44€13k€5k▼

Suppliers440/4€13k€5k▼

Taxes, remuneration and social security45€36€35▼

Taxes450/3€36€35▼

Other amounts payable47/48€4k€4k▲

Income statement Code20242025

Goods, raw materials, services and sundry goods60/61-€54k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€474€1k▲

Other operating charges640/8€1k€573▼

Gross operating margin9900€14k€13k▼

Operating profit (loss)9901€12k€11k▼

Financial income75/76B-€15k

Recurring financial income75-€15k

Non-recurring financial income76B-€15k

Financial charges65/66B€147€362▲

Recurring financial charges65€147€362▲

Profit (loss) for the period before taxes9903€12k€26k▲

Income taxes67/77€19k-

Profit (loss) for the period9904€-7k€26k▲

Profit (loss) for the period to be appropriated9905€-7k€26k▲

Appropriation of the result

Profit (loss) to be appropriated9906€19k€45k▲

Profit (loss) brought forward from the previous period14P€26k€19k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

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

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Back to profitnet €26k

Net result €26k after one loss-making year.

31-12

Financial Liquidity doublescurrent ratio 3.67

Current ratio from 1.80 to 3.67; short-term debt falls from €17k to €15k.

31-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 31 days late

2024

31-12

Financial Weakest financial yearnet €-7k ▼154%

Net result drops to €-7k, the lowest in the series; recovery starts the following year.

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

28-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 28 days late

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

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, Schilde · 2 establishment units since 2022

establishment All 2 establishment units 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.

Hindelaan 112970 Schilde

Ground area

1,470 m²

Building footprint

336 m²

Volume, LiDAR

1,964 m³

2 parcels, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

AMY CAPITAL

Hindelaan 11, 2970 SchildeOn-demand passenger transport by chauffeured vehicle

since 20222.330.504.281

Frans Versmissenlaan 34, 2100 Antwerpen

On-demand passenger transport by chauffeured vehicle

since 20262.391.384.055

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11344A0477/00V007	Flanders	835 m²	1 · 152 m²	9.0 m · 3 fl.
11041B0340/00H003	Flanders	635 m²	1 · 184 m²	9.2 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

Sint-Pieters-Leeuw · Eq €48k

HAYA TRANSPORT

BE 0689.767.592

Schaarbeek · Eq €48k

Of 6,686 companies in sector 49330 we hold annual accounts for 2,284. 1,877 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-03-2022

Fiscal year end31-12

Activities, NACEBEL

49330On-demand passenger transport by chauffeured vehicle

77210Renting and leasing of sports and recreation goods

Sources

Crossroads Bank for EnterprisesNational Bank · 4 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.