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AMZ CONSTRUCT NV SNC

Active
General partnershipfounded 20178 years activeGeneraal De Wittelaan 7A, 2800 Mechelen, BelgiumKBO/BCE: BE 0683.908.002
Summary

The computed 12-month bankruptcy probability of AMZ CONSTRUCT NV SNC is 3.2% (moderate). The 2025 annual accounts show equity of €359,790 and a net result of €90,613. Equity is growing by ~41.7% per year across the filed fiscal years. Its solvency ranks better than 30% of 9,546 sector peers (NACE 43, fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
Other building finishing work
NACE 43350Other building cleaning and industrial cleaning NACE 81220
1 site
Size
€1.3mtotal assets 2025
Equity
€359,790
Profit
€90,613
Turnover not published (abridged schema)
Financial health
50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.2%
Structure
Accounts 38 days overdue0 of 5 deeds read
Why 50- Figures for FY 2025 (filed 18-11-2025)- 1 change of registered office in 24 months- Latest accounts 79 days late; 3 of the last 3 late+ Size: total assets €1.3mShow the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 43% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Average
Solvency 53=
equity 27.9% of total assets
Liquidity 24-8
short-term debt 64.5% · cash 6.3%
Profitability 78-4
return on assets 7.0%
Bankruptcy probability, 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,518 companies)
Last 24 months 11-2024: 1.4% 12-2024: 0.7%▼ -0.7 percentage points vs 11-2024lowest value 01-2025: 1.1%▲ +0.4 percentage points vs 12-2024 02-2025: 1.0%▼ -0.1 percentage points vs 01-2025 03-2025: 1.1%▲ +0.1 percentage points vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.2%▲ +0.1 percentage points vs 04-2025 06-2025: 1.3%▲ +0.1 percentage points vs 05-2025 07-2025: 1.4%▲ +0.1 percentage points vs 06-2025 08-2025: 1.5%▲ +0.1 percentage points vs 07-2025 09-2025: 1.8%▲ +0.3 percentage points vs 08-2025 10-2025: 2.0%▲ +0.2 percentage points vs 09-2025 11-2025: 3.8%▲ +1.8 percentage points vs 10-2025highest value 12-2025: 0.9%▼ -2.9 percentage points vs 11-2025 01-2026: 0.9%● unchanged vs 12-2025 02-2026: 0.9%● unchanged vs 01-2026 03-2026: 0.8%▼ -0.1 percentage points vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.9%▲ +0.1 percentage points vs 04-2026 06-2026: 1.0%▲ +0.1 percentage points vs 05-2026 07-2026: 1.1%▲ +0.1 percentage points vs 06-2026 08-2026: 1.3%▲ +0.2 percentage points vs 07-2026 09-2026: 1.5%▲ +0.2 percentage points vs 08-2026 10-2026: 3.2%▲ +1.7 percentage points vs 09-2026
Credit up to €17,000 at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.41 in 2024; short-term debt: 64.5% and cash: 6.3% of total assets), and 72.1% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 29% on solvency, 14% on liquidity, 54% on profitability and 77% on growth.

The bankruptcy probability was computed on 07-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2025 (filed 18-11-2025)
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian State Gazette
raises risk · Latest accounts 79 days late; 3 of the last 3 late
NBB · filings
lowers risk · Size: total assets €1.3m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 18-11-2025, 79 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 · 5 filings
Deviation from the deadline
2026
not confirmed
2025
79 days late
2024
67 days late
2023
40 days late
2022
406 days late
2021
177 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 154 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Highest result since 2021net €105,853 ▲177%

Key points

  • Caution: Accounts not fileddeadline was 31-08-2026 38 days late View
  • Positive: Equity rose in 2025from €269,177 to €359,790 ▲ 33.7% View
  • Positive: 5 profitable years in a rowprofit 2025: €90,613 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.3m
Profit
€90,613
Solvency
27.9%
Go to Financials

Timeline

Events
11
Since
2021
  1. 31-01-2024Equity above €200,000
  2. 11-10-2023Annual accounts filed
  3. 10-10-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
General partnership
Activity
Other building finishing workNACE 43350
Founded
02-11-2017
Year ends
31-01
Peppol
Reachable for e-invoices
Go to Company details

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