Equity
-€4,258
Debts exceed assets in financial year 2025.
RealAmor
Lifetime
2 annual accounts with figures on one time axispeak -€1,752 (2025)
-€1,752▲ €3,163
lowest -€5,909 (2024)
-€2,349▲ €3,560
peak -€1,909 (2024)
-€4,258▼ €2,349
€14,311▲ 129%
Board1 name since 2024
1 directorSAVA Simona Liliana
Documentsfilings and deeds
12-09-202643 days late
2025micro format
Gross margin from -€4,915 to -€1,752Loss of €2,349Equity from -€1,909 to -€4,258Debts from €6,251 to €14,311Cash from €3,913 to €1,039
Key points
from the 2025 annual accountsLosses
-€8,258 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€14,311 142% of the balance sheet
Investments
€9,000 19.1 × depreciation
Green is investment, beige is depreciation.
At the same address
67 companies
Position in the sector
-42.4%
Lower solvency than 81% of companies in personal services. Sector median 26.9% · 5,754 companies.
2025 accounts filed 43 days after the deadlineTurnover not published (micro format)
Checked score
49
Fair
Financially stronger than 9% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 0.9%
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025lowest value
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 1.0%▲ +0.1 percentage points vs 03-2026
05-2026: 1.0%● unchanged vs 04-2026
06-2026: 1.0%● unchanged vs 05-2026
07-2026: 1.1%▲ +0.1 percentage points vs 06-2026
08-2026: 1.6%▲ +0.5 percentage points vs 07-2026
09-2026: 1.9%▲ +0.3 percentage points vs 08-2026
10-2026: 2.7%▲ +0.8 percentage points vs 09-2026highest value
11-2026: 2.7%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Founded in 2024
Last filed accounts filed 43 days late; 1 of the last 3 accounts late
Negative equity -€4,258
lowers risk
Size: total assets €10,053
Calculation
The band follows from the bankruptcy probability. 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 96, micro). It does better than 11% of them on solvency, 12% on liquidity, 9% on profitability and 6% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as RealAmor has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RealAmor itself: 2.7% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for RealAmor. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.11, below 1. Short-term debt is 142.4% and cash 10.3% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€4,258
raises risk · 2025 accounts filed 43 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-09-2026, 43 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
43 days late
2024
77 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 17 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1015481815
Incorporation
Founding capital of €4,000, 100 shares · Founder: SAVA Simona Liliana · Appointment: SAVA Simona Liliana (director) · published on 25-10-2024 · Gazette deed
First establishment
Karel Martelstraat 8, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RealAmor Brussels | €10,053 | -€1,752 | -42.4% | - |
| FINEST BAITS EU Berlaar | €10,025 | -€2,162 | -24.7% | - |
| CANIFIT Diest | €6,446 | -€123 | -52.7% | - |
| SALTAIR Plombières | €16,041 | -€6,417 | -89.8% | - |
| PURE PETS Zottegem | €13,621 | -€3,733 | -11.5% | - |
| VRS TATTOO Leuven | €13,946 | -€8,381 | -45.2% | - |
| Moras Consulting Nijlen | €9,176 | €103 | 7.7% | - |
These companies have their main activity in the same NACE class as RealAmor: personal service activities (NACE 9699). With exactly the same main activity (NACE 96991), too few companies are of comparable size. They are comparable in size and age: total assets between €6,450 and €16,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 23-10-2024Normal situation
- Registered office
- 68 active companies are registered at this address7 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Personal service activitiesNACE 96991and 3 others
- Establishment unit
- 2.365.657.0811000 Brussels, since 23-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 28-11-2025
Insights on RealAmor
The computed 12-month bankruptcy probability of RealAmor is 2.7% (moderate). The 2025 annual accounts show negative equity (-€4,258) and a net result of -€2,349.
Its solvency ranks better than 18% of 5,754 sector peers (NACE 96, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RealAmor
- What is the company number of RealAmor?
- The company number of RealAmor is 1015.481.815. The VAT number is the same number with BE in front: BE 1015.481.815.
- Where is RealAmor based?
- The registered office is at Karel Martelstraat 8, 1000 Brussels.Company details
- What does RealAmor do?
- According to the KBO register, the main activity is personal service activities (NACE 96991).
- What is the legal form of RealAmor?
- RealAmor is a private limited company (BV).
- When was RealAmor founded?
- RealAmor was founded on 23-10-2024.
- Is RealAmor still active?
- Yes, RealAmor is an active enterprise in the KBO register.
- What is the turnover of RealAmor?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is RealAmor profitable?
- In financial year 2025, RealAmor made a loss of €2,349.
- Where can I find the annual accounts of RealAmor?
- RealAmor filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RealAmor due?
- RealAmor must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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