Turnover
≈ €260,000 estimated
The micro format states no turnover.
AMY CONSTRUCT
Overview
Lifetime
4 annual accounts with figures on one time axispeak €43,101 (2025)
€43,101▲ 93.7%
lowest -€1,381 (2022)
€23,299▲ 233%
peak €46,466 (2025)
€46,466▲ 101%
€39,379▼ 22.2%
Board1 name since 2022
1 directorAXINTE Ovidiu-Marius
Documentsfilings and deeds
31-03-202630 days before the deadline
2025micro format
Gross margin from €22,252 to €43,101Result from €6,993 to €23,299Equity from €23,167 to €46,466Debts from €50,610 to €39,379Cash from €2,018 to €330
Key points
from the 2025 annual accountsChecked score
55
Fair
Financially stronger than 67% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.5%
01-2025: 2.6%▲ +0.1 percentage points vs 12-2024
02-2025: 2.6%● unchanged vs 01-2025
03-2025: 2.6%● unchanged vs 02-2025
04-2025: 2.7%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 2.3%▼ -0.4 percentage points vs 04-2025
06-2025: 2.3%● unchanged vs 05-2025
07-2025: 2.3%● unchanged vs 06-2025
08-2025: 2.3%● unchanged vs 07-2025
09-2025: 2.3%● unchanged vs 08-2025
10-2025: 2.2%▼ -0.1 percentage points vs 09-2025
11-2025: 1.8%▼ -0.4 percentage points vs 10-2025
12-2025: 1.8%● unchanged vs 11-2025lowest value
01-2026: 2.0%▲ +0.2 percentage points vs 12-2025
02-2026: 2.1%▲ +0.1 percentage points vs 01-2026
03-2026: 1.9%▼ -0.2 percentage points vs 02-2026
04-2026: 2.0%▲ +0.1 percentage points vs 03-2026
05-2026: 2.0%● unchanged vs 04-2026
06-2026: 2.0%● unchanged vs 05-2026
07-2026: 2.0%● unchanged vs 06-2026
08-2026: 2.0%● unchanged vs 07-2026
09-2026: 2.0%● unchanged vs 08-2026
10-2026: 2.0%● unchanged vs 09-2026
11-2026: 2.0%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2022
Size: total assets €85,846
Liquidity: current ratio 1.48, cash €330, halved
Sector: Specialised construction activities (NACE 43)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 59% of them on solvency, 26% on liquidity, 92% on profitability and 91% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as AMY CONSTRUCT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AMY CONSTRUCT itself: 2.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for AMY CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.48 (0.78 in 2024), below the usual 1.5. Short-term debt is 31% and cash 0.4% of total assets. 45.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 days early
2024
13 days early
2023
7 days early
2022
24 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 7 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 21 April (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Board and ownership
- AXINTE Ovidiu-Marius 60 sharesdeed of 16-03-2022
- AXINTE Amalia 40 sharesdeed of 16-03-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0783379225
Incorporation
Founding capital of €3,000, 100 shares · Founders: AXINTE Ovidiu-Marius and AXINTE Amalia · Appointment: AXINTE Ovidiu-Marius (director) · published on 16-03-2022 · Gazette deed
First establishment
Rue Nicolas Lebrun 10, Genappe
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AMY CONSTRUCT Genappe | €85,846 | €43,101 | 54.1% | - |
| BOEL TONY & CO Lebbeke | €92,574 | €41,817 | 55.9% | - |
| LDG CONSTRUCT Charleroi | €70,647 | €41,380 | 58.6% | - |
| ARTEC PISCINES ET FILS Soumagne | €74,537 | €34,228 | 70.1% | - |
| Rokanzo Dendermonde | €74,527 | €43,357 | 8.1% | - |
| RENOVA.BE Forest | €78,455 | €33,651 | 24.7% | - |
| VM RENOV Wavre | €97,668 | €29,372 | 47.3% | - |
These companies have the same main activity as AMY CONSTRUCT: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €70,600 and €97,700, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 14-03-2022Normal situation
- Activity
- Other building finishing workNACE 43350and 4 others
- Establishment unit
- 2.330.219.1221470 Genappe, since 14-03-2022
- Financial year end
- 30 September
- Peppol
- Reachable since 18-12-2025
Annual accounts to 30-09-2025
- €43,101▲ 93.7%
- €23,299▲ 233%
- €46,466▲ 101%
- €85,846▲ 16.4%
- Filing
- Filed on 31-03-2026, 30 days before the end of the filing period
Insights on AMY CONSTRUCT
AMY CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from -€1,002 in 2022 to €43,101 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-03-2026, 30 days before the deadline€43,101
▲ 93.7%
€34,984
▲ 186%
€23,299
▲ 233%
€12,757
▲ €18,382
54.1%
▲ 22.7 percentage points
1.48
▲ 0.70
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €260,000. Estimated: probably between €180,000 and €430,000.
Balance sheet
balance sheet total €85,846 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
54.1%
Higher than 58% of 35,119 companies in 2025.
1.48
Higher than 40% of 34,493 companies in 2025.
27.1%
Higher than 85% of 34,694 companies in 2025.
AMY CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
85,846 | 73,777 | 81,255 | 36,965 | |
20 |
724 | 1,217 | 1,711 | 2,203 | |
21/28 |
45,768 | 52,544 | 56,095 | 28,307 | |
22/27 |
18,268 | 25,044 | 28,595 | 807 | |
23 |
2,364 | 2,811 | - | - | |
24 |
15,904 | 22,233 | 28,595 | 807 | |
28 |
27,500 | 27,500 | 27,500 | 27,500 | |
29/58 |
39,354 | 20,016 | 23,449 | 6,455 | |
29 |
- | - | 3,000 | - | |
291 |
- | - | 3,000 | - | |
40/41 |
37,224 | 16,276 | 13,856 | 1,452 | |
40 |
27,235 | 6,206 | 13,314 | 1,452 | |
41 |
9,990 | 10,070 | 542 | - | |
54/58 |
330 | 2,018 | 4,356 | 3,435 | |
490/1 |
1,799 | 1,722 | 2,238 | 1,569 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
85,846 | 73,777 | 81,255 | 36,965 | |
10/15 |
46,466 | 23,167 | 16,174 | 1,619 | |
10/11 |
3,000 | 3,000 | 3,000 | 3,000 | |
14 |
43,466 | 20,167 | 13,174 | -1,381 | |
17/49 |
39,379 | 50,610 | 65,081 | 35,346 | |
17 |
12,282 | 24,469 | 38,920 | 25,000 | |
170/4 |
9,820 | 15,386 | 20,720 | - | |
178/9 |
2,462 | 9,083 | 18,200 | 25,000 | |
42/48 |
26,597 | 25,641 | 26,161 | 10,346 | |
42 |
5,566 | 5,334 | 5,112 | - | |
43 |
1,463 | - | - | - | |
430/8 |
1,463 | - | - | - | |
44 |
4,223 | 2,901 | 2,384 | 3,330 | |
440/4 |
4,223 | 2,901 | 2,384 | 3,330 | |
45 |
15,345 | 17,406 | 18,665 | 7,016 | |
450/3 |
15,345 | 7,268 | 10,247 | 5,277 | |
454/9 |
- | 10,138 | 8,418 | 1,739 | |
492/3 |
500 | 500 | - | - | |
| Income statement | |||||
9900 |
43,101 | 22,252 | 24,068 | -1,002 | |
62 |
8 | - | 215 | - | |
630 |
7,269 | 7,236 | 3,079 | 282 | |
640/8 |
839 | 2,536 | 1,960 | - | |
66A |
- | 252 | - | - | |
9901 |
34,984 | 12,228 | 18,814 | -1,284 | |
65/66B |
1,496 | 2,635 | 634 | 55 | |
65 |
1,496 | 2,635 | 634 | 55 | |
9903 |
33,488 | 9,593 | 18,180 | -1,339 | |
67/77 |
10,189 | 2,599 | 3,625 | 42 | |
9904 |
23,299 | 6,993 | 14,554 | -1,381 | |
9905 |
23,299 | 6,993 | 14,554 | -1,381 | |
| Appropriation of the result | |||||
9906 |
43,466 | 20,167 | 13,174 | -1,381 | |
14P |
20,167 | 13,174 | -1,381 | - | |
| Document | |||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 31-03-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 42,253 | 19,464 | 21,893 | -1,002 | ||
| 30,569 | 14,229 | 17,634 | -1,099 | ||
| 493 | 3,191 | 30,375 | 28,328 | ||
| -1,688 | -2,338 | 921 | - | ||
| 12,757 | -5,625 | -2,711 | -3,891 | ||
| 54.1% | 31.4% | 19.9% | 4.4% | ||
| 1.48 | 0.78 | 0.90 | 0.62 | ||
| 0.85 | 2.18 | 4.02 | 21.83 | ||
| 50.1% | 30.2% | 90.0% | -85.3% | ||
| 27.1% | 9.5% | 17.9% | -3.7% | ||
| 28.25 | 7.39 | 34.53 | -18.26 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | €3,191 | €30,375 | €828 |
| Financial fixed assets | - | - | - | €27,500 |
| €7,269 | €7,236 | €3,079 | €282 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on AMY CONSTRUCT
The operating result for 2025 is 186% higher than in 2024 and the highest since 2022. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 68.6% to 45.9%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 16-03-2022
listed in the 2025 annual accounts, filed on 31-03-2026
Mandates through the years
1 name, the dashed line is todayAXINTE Ovidiu-Marius
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- AXINTE Ovidiu-Marius
- Director (not named in the articles), appointed by deed of 16-03-2022, still in office
Control
Founders
AXINTE Ovidiu-Marius, AXINTE Amalia
This company
AMY CONSTRUCT
Equity €46,466
Profit €23,299 in 2025
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €465 in 2025
- Source
- deed of 16-03-2022
Articles of association
deed of 16-03-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Tuesday of March at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Shareholders
At incorporation
deed of 16-03-2022 ↗
- AXINTE Ovidiu-Marius 60 shares (60%) · €1,800
- AXINTE Amalia 40 shares (40%) · €1,200
Network & group
Holdings
own accounts to 30-09-2025This companyAMY CONSTRUCT1 holding, 1 country
accounts to 30-09-2025
Belgium 1 Equity Result
- BE LAB-L30% €31,830 result €1,517
Source: list of holdings in its own 30-09-2025 accounts. Every holding stands with its own latest accounts.
At the same address
Rue Nicolas Lebrun 10, 1470 Genappe · 3 other companies| LoCo Factory
registered office since 04-01-2017 · founded in 2017 |
total assets €2.7m (2025) 0668.711.961 |
| TAM PROJECT
registered office since 13-12-2018 · founded in 2018 |
total assets €212,783 (2025) 0715.802.986 |
| Association des copropriétaires "Factory" à 1470 Genappe, rue Nicolas Lebrun 10
registered office since 28-06-2024 |
founded in 2024 1011.529.361 |
Holdings and subsidiaries
1 holdingHoldings 1
Share, source and own figures per holding (1)
- Equity €31,830 Profit of €1,517 in 2025 (profit of €3,975 in 2024) Checked score 52Sourceown accounts 30-09-202530%
Connections & network
1 current directorThe network lets you explore the ties of AMY CONSTRUCT.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
9 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 30 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0783379225
Highest result from 2022 to 2025 net €23,299 ▲233% The operating result of €34,984 and the net result of €23,299 are both a record.
Annual accounts 2024 filed PDFmicro format · 13 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 7 days before the deadline
2023
Back to profit net €14,554 The net result is €14,554, after one loss-making year.
Annual accounts 2022 filed PDFmicro format · 24 days late
2022
IncorporationFounding capital of €3,000, 100 shares · Founders: AXINTE Ovidiu-Marius and AXINTE Amalia · Appointment: AXINTE Ovidiu-Marius (director) · published on 16-03-20226 points ▸
- Founder, AXINTE Ovidiu-Marius
- Founder, AXINTE Amalia
- Founding capital, €3,000, 100 shares
- Registered office clause, rue Nicolas Lebrun 10, 1470 Genappe
- Board rule, 1
- Director appointment, AXINTE Ovidiu-Marius (director (not named in the articles))
- The deed holds 11 more points.
First establishment Rue Nicolas Lebrun 10, Genappe
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 14 March 2022, AMY CONSTRUCT was incorporated as a private limited company by two natural persons, with a starting capital of €3,000.12 AXINTE Ovidiu-Marius is director of the company, appointed by deed of 16-03-2022.2 Total assets went from €36,965 in 2022 to €85,846 in 2025.3
Company details
Identity
- Enterprise number
- 0783.379.225
- VAT number
- BE 0783.379.225
- Peppol ID
- 0208:0783379225
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-03-2022
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Tuesday of March at 18:00deed of 16-03-2022 (in French)
- Peppol
- Reachable since 18-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- AMY CONSTRUCT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-03-2022 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région Wallonne”deed of 16-03-2022 (in French)
Activities
NACEBEL 202543350
Other building finishing work main activity
43230
Insulation installation
43310
Plastering work
43320
Joinery installation
43331
Floor and wall tiling
Codes under NACEBEL 2008
43390
Specialised construction activities main activity
43291
Specialised construction activities
43310
Plastering work
43320
Joinery installation
43331
Floor and wall tiling
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Le commerce et l’industrie de matériaux de construction et de tout ce qui se rapporte à l’industrie de la construction, elle peut donc…”deed of 16-03-2022 (in French)
2 activities
- Le commerce et l’industrie de matériaux de construction et de tout ce qui se rapporte à l’industrie de la construction, elle peut donc acheter, vendre, louer et prendre en location tout matériel, tous matériaux et toutes marchandises généralement quelconque s’y rapportant
- Tous travaux de construction, d’aménagement, de rénovation, de menuiserie, d’ameublement de décoration, d’installation, d’exploitation d’immeubles ou parties d’immeubles, ainsi que tous travaux de parachèvement de la construction en général
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Nicolas Lebrun 10 registered office 1470 Genappe | 14-03-2022 | 2.330.219.122 |
Buildings and parcels at the address
- Ground area
- 1,578 m²
- Buildings
- 496 m²
- Volume, LiDAR
- 2,911 m³
- Tallest building
- 9.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25031A0623/00X004 | 1,578 m² | 1 · 496 m² | 9.7 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0783.379.225