Financials
- Fiscal year
- 2025
- Total assets
- €1.3m
- Profit
- €90,613
- Solvency
- 27.9%
AMZ CONSTRUCT NV SNC
ActiveSummary
The computed 12-month bankruptcy probability of AMZ CONSTRUCT NV SNC is 1.9% (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 9534 sector peers (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 43350NACE 43390Other 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)
Structure
Accounts 36 d overdue0 of 5 deeds read
Why 54- 1 change of registered office in 24 months- Latest accounts 79 days late; 3 of the last 3 late- Figures for FY 2025 (filed 18-11-2025)+ Size: total assets €1.3mShow the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 43% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
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
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.4%
12-2024: 0.7%▼ -54.8% vs 11-2024lowest value
01-2025: 1.1%▲ +62.5% vs 12-2024
02-2025: 1.0%▼ -1.3% vs 01-2025
03-2025: 1.1%▲ +0.6% vs 02-2025
04-2025: 1.1%▲ +1.6% vs 03-2025
05-2025: 1.2%▲ +9.3% vs 04-2025
06-2025: 1.3%▲ +10.4% vs 05-2025
07-2025: 1.4%▲ +6.2% vs 06-2025
08-2025: 1.5%▲ +10.9% vs 07-2025
09-2025: 1.8%▲ +16.3% vs 08-2025
10-2025: 2.0%▲ +14.7% vs 09-2025
11-2025: 3.8%▲ +88.0% vs 10-2025highest value
12-2025: 0.9%▼ -76.9% vs 11-2025
01-2026: 0.9%● 0.0% vs 12-2025
02-2026: 0.9%▼ -1.4% vs 01-2026
03-2026: 0.8%▼ -8.1% vs 02-2026
04-2026: 0.8%▲ +2.3% vs 03-2026
05-2026: 0.9%▲ +10.4% vs 04-2026
06-2026: 1.0%▲ +15.6% vs 05-2026
07-2026: 1.1%▲ +7.5% vs 06-2026
08-2026: 1.3%▲ +12.2% vs 07-2026
09-2026: 1.5%▲ +16.4% vs 08-2026
10-2026: 1.9%▲ +33.4% vs 09-2026
- 1 change of registered office in 24 months raises the probability
- Latest accounts 79 days late; 3 of the last 3 late raises the probability
- Size: total assets €1.3m lowers the probability for this profile
- Figures for FY 2025 (filed 18-11-2025) raises the probability
Credit up to €19,000 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 comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 29%, liquidity 14%, profitability 54%, growth against the median 77%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 filingsDeviation from the deadline
2026
not confirmed
2025
79 d late
2024
67 d late
2023
40 d late
2022
406 d late
2021
177 d 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 42% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2021net €105,853 ▲177%
Key points
By topic
Timeline
- Events
- 11
- Since
- 2021
- 18-11-2025Annual accounts filed
- 06-11-2024Annual accounts filed
- 31-01-2024Highest result since 2021
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 further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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