APYMO
ActiveAPYMO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €396k and a net result of €70k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 4807 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▼-3
Solvency40▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 14.25 against 14.15 in 2023; short-term debt: 5.5% and cash: 1.9% of total assets), but 85.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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
2025
not confirmed
2024
22 d late
2023
30 d late
2022
24 d late
2021
31 d late
2020
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€70k▼ 5.1%
2023 · €73k
2021: €-54k
2022: €31k
2023: €73k
2021 → 2024
Working capital
€1.96M=
2023 · €1.96M
2021: €136k
2022: €1.98M
2023: €1.96M
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€221k-€253k▲ 14.2%€326k▲ 29.1%€396k▲ 21.4%
Operating result€-54k-€48k€109k▲ 129%€78k▼ 28.4%
Net result€-54k-€31k€73k▲ 134%€70k▼ 5.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 28% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.69M
Fixed assets
€584k▼ 5.4%
Current assets
€2.10M=
Equity and liabilities €2.69M
Equity
€396k▲ 21.4%
Provisions
€15k
Debt
€2.28M▼ 5.0%
The debt ratio falls from 88.0% to 84.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€112k▼
2023 · €144k
Cash flow
€104k▼
2023 · €109k
Solvency
14.7%▲
2023 · 12.0%
Current ratio
14.25▲
2023 · 14.15
Quick ratio
14.25▲
2023 · 14.15
Debt / equity
5.75▼
2023 · 7.35
ROE
17.6%▼
2023 · 22.5%
ROA
2.6%▼
2023 · 2.7%
Interest coverage
1.64▼
2023 · 2.02
Debt
€2.28M▼
2023 · €2.40M
Debt ≤ 1 year
€148k▼
2023 · €149k
Debt > 1 year
€2.13M▼
2023 · €2.25M
Income taxes
€4k▼
2023 · €27k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.72M€2.69M▼
Fixed assets21/28€617k€584k▼
Tangible fixed assets22/27€617k€584k▼
Land and buildings22€617k€584k▼
Current assets29/58€2.10M€2.10M=
Amounts receivable within one year40/41€2.02M€2.05M▲
Trade receivables40€3k€3k▲
Other amounts receivable41€2.02M€2.05M▲
Cash at bank and in hand54/58€86k€51k▼
Deferred charges and accrued income490/1€998€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.72M€2.69M▼
Equity10/15€326k€396k▲
Contributions10/11€70k€70k=
Reserves13€131k€131k=
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Tax-exempt reserves132€81k€81k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€125k€195k▲
Provisions and deferred taxes16-€15k
Provisions for liabilities and charges160/5-€15k
Major repairs and maintenance162-€15k
Amounts payable17/49€2.40M€2.28M▼
Amounts payable after more than one year17€2.25M€2.13M▼
Financial debts170/4€2.25M€2.13M▼
Amounts payable within one year42/48€149k€148k▼
Current portion of amounts payable after more than one year42€114k€117k▲
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€27k€25k▼
Taxes450/3€27k€25k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€34k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€18k
Provisions for liabilities and charges: additions (uses and reversals)635/8-€15k
Other operating charges640/8€31k€32k▲
Gross operating margin9900€175k€177k▲
Operating profit (loss)9901€109k€78k▼
Financial income75/76B€63k€64k▲
Recurring financial income75€63k€64k▲
Financial charges65/66B€72k€68k▼
Recurring financial charges65€72k€68k▼
Profit (loss) for the period before taxes9903€100k€74k▼
Income taxes67/77€27k€4k▼
Profit (loss) for the period9904€73k€70k▼
Profit (loss) for the period to be appropriated9905€73k€70k▼
Appropriation of the result
Profit (loss) to be appropriated9906€125k€195k▲
Profit (loss) brought forward from the previous period14P€52k€125k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Highest result since 2021net €73k ▲134%
Operating result €109k, net result €73k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 15.13
Current ratio from 4.78 to 15.13.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sprimont · 1 establishment unit since 2020
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.
Rue de Rabohaye(RVX) 74140 SprimontGround area
3,930 m²
Building footprint
140 m²
Parcel 62091M0742/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
APYMO
since 20202.300.977.679
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62091M0742/00B000 | Wallonia | 3,930 m² | 1 · 139 m² | - |
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
IMMO BEERSE
BE 0778.463.897
Beerse · Eq €396k
A-TEC INVEST
BE 0737.640.062
Hoogstraten · Eq €396k
ELPA
BE 0441.232.016
Aalst · Eq €395k
L'OBSIDIENNE
BE 0455.513.087
Elsene · Eq €395k
JANSEN DIENSTENCENTRUM
BE 0536.404.456
Zonhoven · Eq €397k
Of 9,133 companies in sector 68201 we hold annual accounts for 6,762. 5,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2020
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.