Summary
GROUP-AMJ is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €6.3m and a net result of €393,801. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 5651 sector peers (fiscal year 2025). The company has been active since 1958 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
33 d late
2023
55 d late
2022
27 d early
2021
19 d late
2020
328 d late
2019
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 66 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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 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 What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
In the rankings
#1 oldest company in Hasselt, Finance and insurance sector
Equity
€6.3m▼ 8.0%
2024 · €6.9m
Net result
€393,801▼ 21.7%
2024 · €503,174
Total assets
€8.7m▼ 7.1%
2024 · €9.4m
Solvency
72.7%▼ 0.8pp
2024 · 73.4%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2.4m€150,047▼ 93.7%€197,486▲ 31.6%€122,722▼ 37.9%€141,823▲ 15.6%
Net result€2.1mabove the sector's middle half▲ 54.1%€527,338above the sector's middle half▼ 75.4%€448,865above the sector's middle half▼ 14.9%€503,174above the sector's middle half▲ 12.1%€393,801above the sector's middle half▼ 21.7%
Equity€5.9mabove the sector's middle half▼ 4.4%€6.4mabove the sector's middle half▲ 9.0%€6.4mabove the sector's middle half▼ 0.1%€6.9mabove the sector's middle half▲ 7.9%€6.3mabove the sector's middle half▼ 8.0%
Total assets€9.8mabove the sector's middle half▲ 10.9%€11.0mabove the sector's middle half▲ 11.5%€10.2mabove the sector's middle half▼ 7.0%€9.4mabove the sector's middle half▼ 7.9%€8.7mabove the sector's middle half▼ 7.1%
Debt€3.9m▲ 50.4%€4.5m▲ 16.1%€3.7m▼ 17.0%€2.4m▼ 35.0%€2.3m▼ 4.3%
Working capital€212,090within the sector's middle half€792,345above the sector's middle half▲ 274%€814,095above the sector's middle half▲ 2.7%€1.3mabove the sector's middle half▲ 64.7%€791,933above the sector's middle half▼ 41.0%
Solvency59.7%within the sector's middle half▼ 9.6pp58.4%within the sector's middle half▼ 1.4pp62.7%within the sector's middle half▲ 4.4pp73.4%within the sector's middle half▲ 10.7pp72.7%within the sector's middle half▼ 0.8pp
Current ratio1.07within the sector's middle half▲ 0.511.20within the sector's middle half▲ 0.141.25within the sector's middle half▲ 0.051.68within the sector's middle half▲ 0.431.41within the sector's middle half▼ 0.27
Return on assets (ROA)21.8%above the sector's middle half▲ 6.1pp4.8%within the sector's middle half▼ 17.0pp4.4%within the sector's middle half▼ 0.4pp5.4%within the sector's middle half▲ 1.0pp4.5%within the sector's middle half▼ 0.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2021 Net result +54% on 2020. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.7m
Fixed assets
€6.0m ▼ 1.3%
Current assets
€2.7m ▼ 17.6%
Equity and liabilities €8.7m
Equity
€6.3m ▼ 8.0%
Provisions
€70,456 ▼ 8.8%
Debt
€2.3m ▼ 4.3%
Debt's share of the balance-sheet total rises from 25.7% to 26.5%. Equity and debt are lower.
Key figures and ratios
ROE
6.2%▼
2024 · 7.3%
Debt ≤ 1 year
€1.9m▼
2024 · €2.0m
Debt > 1 year
€376,927▼
2024 · €446,181
Income taxes
€92,903▲
2024 · €91,484
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €1,874 | €30,218 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €203,698 | €126,936 | €92,911 | €92,911 | €93,007 | ▲ 0.1% |
| Other operating charges640/8 | €1,860 | €3,501 | €5,978 | €72,184 | €35,814 | ▼ 50.4% |
| Gross operating margin9900 | €2.6m | €280,483 | €296,376 | €287,817 | €270,644 | ▼ 6.0% |
| Operating profit (loss)9901 | €2.4m | €150,047 | €197,486 | €122,722 | €141,823 | ▲ 15.6% |
| Financial income75/76B | €102,469 | €505,336 | €382,452 | €480,797 | €405,473 | ▼ 15.7% |
| Recurring financial income75 | €102,469 | €505,336 | €382,452 | €480,797 | €405,473 | ▼ 15.7% |
| Financial charges65/66B | €21,037 | €19,095 | €20,114 | €15,680 | €67,410 | ▲ 330% |
| Recurring financial charges65 | €21,037 | €19,095 | €20,114 | €15,680 | €67,410 | ▲ 330% |
| Profit (loss) for the period before taxes9903 | €2.5m | €636,288 | €559,823 | €587,839 | €479,886 | ▼ 18.4% |
| Transfer from deferred taxes780 | €53,340 | €15,073 | €6,818 | €6,818 | €6,818 | = |
| Income taxes67/77 | €372,837 | €124,023 | €117,777 | €91,484 | €92,903 | ▲ 1.6% |
| Profit (loss) for the period9904 | €2.1m | €527,338 | €448,865 | €503,174 | €393,801 | ▼ 21.7% |
| Transfer from tax-exempt reserves789 | €401,773 | €45,218 | €20,455 | €20,455 | €20,455 | = |
| Profit (loss) for the period to be appropriated9905 | €2.5m | €572,556 | €469,320 | €523,629 | €414,256 | ▼ 20.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €9.8m | €11.0m | €10.2m | €9.4m | €8.7m | ▼ 7.1% |
| Fixed assets21/28 | €6.4m | €6.3m | €6.2m | €6.1m | €6.0m | ▼ 1.3% |
| Tangible fixed assets22/27 | €1.4m | €1.3m | €1.2m | €1.1m | €978,680 | ▼ 7.5% |
| Land and buildings22 | €1.3m | €1.2m | €1.2m | €1.1m | €978,680 | ▼ 7.5% |
| Plant, machinery and equipment23 | €0 | - | - | - | - | - |
| Furniture and vehicles24 | €41,500 | €20,750 | €0 | - | - | - |
| Financial fixed assets28 | €5.0m | €5.0m | €5.0m | €5.0m | €5.0m | = |
| Current assets29/58 | €3.4m | €4.7m | €4.0m | €3.3m | €2.7m | ▼ 17.6% |
| Amounts receivable within one year40/41 | €3.0m | €330,180 | €190,655 | €330,154 | €343,276 | ▲ 4.0% |
| Trade receivables40 | €107,192 | €47,241 | €43,717 | €47,622 | €55,790 | ▲ 17.2% |
| Other amounts receivable41 | €2.9m | €282,939 | €146,939 | €282,532 | €287,485 | ▲ 1.8% |
| Current investments50/53 | - | €4.1m | €3.6m | €1.2m | €1.8m | ▲ 56.4% |
| Cash at bank and in hand54/58 | €392,544 | €287,400 | €222,395 | €1.8m | €550,980 | ▼ 69.5% |
| Deferred charges and accrued income490/1 | - | €909 | €1,811 | €1,645 | €2,453 | ▲ 49.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €9.8m | €11.0m | €10.2m | €9.4m | €8.7m | ▼ 7.1% |
| Equity10/15 | €5.9m | €6.4m | €6.4m | €6.9m | €6.3m | ▼ 8.0% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €5.8m | €6.3m | €6.3m | €6.8m | €6.3m | ▼ 8.1% |
| Non-distributable reserves130/1 | €14,844 | €14,844 | €14,844 | €14,844 | €14,844 | = |
| Legal reserve130 | €14,844 | €14,844 | €14,844 | €14,844 | €14,844 | = |
| Tax-exempt reserves132 | €317,952 | €272,733 | €252,278 | €231,823 | €211,368 | ▼ 8.8% |
| Distributable reserves133 | €5.5m | €6.1m | €6.1m | €6.6m | €6.1m | ▼ 8.1% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €105,984 | €90,911 | €84,093 | €77,274 | €70,456 | ▼ 8.8% |
| Deferred taxes168 | €105,984 | €90,911 | €84,093 | €77,274 | €70,456 | ▼ 8.8% |
| Amounts payable17/49 | €3.9m | €4.5m | €3.7m | €2.4m | €2.3m | ▼ 4.3% |
| Amounts payable after more than one year17 | €644,921 | €585,488 | €508,323 | €446,181 | €376,927 | ▼ 15.5% |
| Financial debts170/4 | €644,921 | €585,488 | €508,323 | €446,181 | €376,927 | ▼ 15.5% |
| Amounts payable within one year42/48 | €3.2m | €3.9m | €3.2m | €2.0m | €1.9m | ▼ 1.8% |
| Current portion of amounts payable after more than one year42 | €63,348 | €54,090 | €66,359 | €67,728 | €69,254 | ▲ 2.3% |
| Trade debts44 | €141,327 | €224,940 | €238,068 | €252,900 | €104,273 | ▼ 58.8% |
| Suppliers440/4 | €141,327 | €224,940 | €238,068 | €252,900 | €104,273 | ▼ 58.8% |
| Taxes, remuneration and social security45 | €587,486 | €500,042 | €181,496 | €53,079 | €106,461 | ▲ 101% |
| Taxes450/3 | €587,486 | €500,042 | €181,496 | €53,079 | €106,461 | ▲ 101% |
| Other amounts payable47/48 | €2.4m | €3.1m | €2.7m | €1.6m | €1.7m | ▲ 3.7% |
| Accrued charges and deferred income492/3 | - | €487 | €0 | - | €896 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2.1m | €527,338 | €448,865 | €503,174 | €393,801 | ▼ 21.7% |
| + Depreciation and write-downs630 | €203,698 | €126,936 | €92,911 | €92,911 | €93,007 | ▲ 0.1% |
| Operating cash flow (approximation) | €2.3m | €654,273 | €541,776 | €596,085 | €486,808 | ▼ 18.3% |
| Investment in fixed assets (approximation) | - | €0 | €20,750 | €0 | -€14,068 | - |
| Change in cash | - | -€105,144 | -€65,005 | €1.6m | -€1.3m | ▼ 179% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 328 days late
2021
31-12
Financial
Highest result since 2018net €2.1m ▲54.1%
Operating result €2.4m, net result €2.1m, both a record.
2020
31-12
Financial
Equity above €5mEq €6.1m ▲30.3%
3 profitable years in a row build equity to €6.1m.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
23-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 84 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 0 of 12 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 1958
Ground area
2,399 m²
Building footprint
292 m²
Volume, LiDAR
1,514 m³
Parcel 71324E0682/00F000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Trekschurenstraat 253, 3500 Hasselt
since 19582.005.887.051
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0682/00F000 | Flanders | 2,399 m² | 1 · 292 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
99.9%
-
99.8%
According to the 2025 annual accounts of GROUP-AMJ and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
HOLDING DUCHEZ
BE 0885.938.117
Estaimpuis · Eq €6,339,711
D.H.C.
BE 0444.677.197
Anzegem · Eq €6,337,798
INFICOM
BE 0454.197.352
Kortrijk · Eq €6,337,763
PATCOR
BE 0830.166.382
De Haan · Eq €6,337,341
Coelembier Holding
BE 0784.575.491
Kuurne · Eq €6,364,038
Of 24,721 companies in this sector we hold annual accounts for 19,804. 7,413 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded15-09-1958
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0401291968
Also
9925:BE0401291968
Registered
04-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.