GALERIE AMBRE CONGO
ActiveSummary
GALERIE AMBRE CONGO has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-751k) and a net result of €-25k. Equity is shrinking by ~40.4% per year across the filed fiscal years. Its solvency ranks better than 9% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+30
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 2.46 against 2.92 in 2024; short-term debt: 34.9% and cash: 0.1% of total assets), but equity is negative.
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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-109.1%
Return on assets
-3.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-751k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
32 d early
2023
55 d early
2022
119 d late
2021
114 d late
2020
31 d late
2019
75 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-751k▼ 3.5%
2024 · €-726k
2018: €52k
2019: €-92k
2020: €-197k
2021: €-271k
2022: €-274k
2023: €-397k
2024: €-726k
2018 → 2025
Total assets
€689k▼ 6.8%
2024 · €739k
2018: €1.68M
2019: €1.55M
2020: €1.50M
2021: €1.47M
2022: €1.41M
2023: €1.20M
2024: €739k
2018 → 2025
Net result
€-25k▲ 92.2%
2024 · €-329k
2018: €28k
2019: €-132k
2020: €-105k
2021: €-74k
2022: €-3k
2023: €-123k
2024: €-329k
2018 → 2025
Working capital
€352k▼ 11.0%
2024 · €396k
2018: €633k
2019: €968k
2020: €961k
2021: €923k
2022: €957k
2023: €741k
2024: €396k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-271k-€-274k▼ 1.1%€-397k▼ 44.8%€-726k▼ 82.8%€-751k▼ 3.5%
Operating result€-45k-€27k€-91k€-309k▼ 241%€-8k▲ 97.3%
Net result€-74k-€-3k▲ 96.1%€-123k▼ 4,122%€-329k▼ 167%€-25k▲ 92.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €309k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €689k
Fixed assets
€96k ▼ 30.1%
Current assets
€593k ▼ 1.5%
Key figures and ratios
EBITDA
€33k▲
2024 · €-268k
Cash flow
€16k▲
2024 · €-287k
Solvency
-109.1%▼
2024 · -98.2%
Current ratio
2.46▼
2024 · 2.92
Quick ratio
0.58▼
2024 · 0.79
Debt to equity
-1.92▲
2024 · -2.02
ROA
-3.7%▲
2024 · -44.5%
Interest coverage
1.86▲
2024 · -13.53
Debt
€1.44M▼
2024 · €1.46M
Debt ≤ 1 year
€241k▲
2024 · €206k
Debt > 1 year
€1.20M▼
2024 · €1.26M
Income taxes
€99▲
2024 · €63
Staff costs
€11k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€739k€689k▼
Fixed assets21/28€137k€96k▼
Tangible fixed assets22/27€135k€94k▼
Land and buildings22€132k€92k▼
Furniture and vehicles24€488€207▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€2k€2k=
Current assets29/58€602k€593k▼
Stocks and contracts in progress3€439k€453k▲
Stocks30/36€439k€453k▲
Amounts receivable within one year40/41€162k€140k▼
Trade receivables40€162k€140k▼
Cash at bank and in hand54/58€309€875▲
Deferred charges and accrued income490/1-€35
Equity and liabilities
Total equity and liabilities10/49€739k€689k▼
Equity10/15€-726k€-751k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-748k€-773k▼
Amounts payable17/49€1.46M€1.44M▼
Amounts payable after more than one year17€1.26M€1.20M▼
Financial debts170/4€184k€124k▼
Other amounts payable178/9€1.07M€1.07M=
Amounts payable within one year42/48€206k€241k▲
Current portion of amounts payable after more than one year42€56k€60k▲
Financial debts43€34k€87k▲
Credit institutions430/8€34k€87k▲
Trade debts44€20k€2k▼
Suppliers440/4€20k€2k▼
Taxes, remuneration and social security45€505€3k▲
Taxes450/3€505€3k▲
Other amounts payable47/48€96k€90k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€9k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€41k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€376k€-14k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€123k€36k▼
Operating profit (loss)9901€-309k€-8k▲
Financial income75/76B€1€642▲
Recurring financial income75€1€642▲
Financial charges65/66B€20k€18k▼
Recurring financial charges65€20k€18k▼
Profit (loss) for the period before taxes9903€-329k€-25k▲
Income taxes67/77€63€99▲
Profit (loss) for the period9904€-329k€-25k▲
Profit (loss) for the period to be appropriated9905€-329k€-25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-748k€-773k▼
Profit (loss) brought forward from the previous period14P€-419k€-748k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-329k
Net result drops to €-329k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 119 days late
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 114 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 75 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 5.13
Current ratio from 2.01 to 5.13; short-term debt falls from €629k to €235k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1989
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.
Sint-Jakobsgang 171000 BrusselGround area
206 m²
Building footprint
203 m²
Volume, LiDAR
2,555 m³
Parcel 21808H1823/00F000, Brussels · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Jakobsgang 17, 1000 Brussel
since 19892.042.155.648
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1823/00F000 | Brussels | 206 m² | 1 · 203 m² | 16.1 m · 4 fl. |
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
THOMAS DEPREZ FINE ARTS
BE 0691.670.376
Zonnebeke · Eq €51,665
SAPIS
BE 0810.677.894
Hasselt · Eq €51,674
GONÇALO PASCOAL
BE 0755.728.483
Brussel · Eq €51,565
Létude
BE 0821.016.809
Leuven · Eq €52,114
WHITE INTERIORS
BE 0427.798.704
Lievegem · Eq €52,248
Of 1,435 companies in sector 47791 we hold annual accounts for 455. 326 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded10-08-1988
Fiscal year end31-12
Activities, NACEBEL 2025
47784Retail sale of souvenirs and religious articles
47791Retail sale of antiques
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.