Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
A&M Schaffen from Diest, company number BE0405613814, closed financial year 2025 with a result of € -356,026 after tax. For that financial year A&M Schaffen recorded revenue of € 15 million and equity of € 140,301. Compared with financial year 2024, the result moved from € -53,042 to € -356,026. The company made a loss. The buffer shrank hard: equity is 94 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 2, 2026.
€ 140,301
▼ 94% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -356,026
▼ 571 % more loss than in 2024
Profit after tax over the fiscal year.
€ 7,803
▲ 83% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 15,301.
People and assets in 2025
29.8
▲ 5.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.9 million
▲ 29% vs 2024
€ 63,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 86,531
▲ € 69,622 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3.6 million
▲ 74% vs 2024
Loans from banks and other lenders, long and short.
€ 349,334
▼ 21% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 10 days on average.
€ 317,718
▲ 30% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 11,616,251 | € 15,990,558 | € 17,254,221 | € 15,001,317 | ▼ 13% |
| Profit after taxes | € 207,621 | € 346,524 | € -53,042 | € -356,026 | ▼ € 302,984 |
| Equity | € 2,410,140 | € 2,321,140 | € 2,268,099 | € 140,301 | ▼ 94% |
| Total debts | € 2,805,887 | € 3,220,450 | € 3,098,688 | € 6,291,380 | ▲ 103% |
| Cash | € 50,564 | € 26,138 | € 4,265 | € 7,803 | ▲ 83% |
| Retained profit | € 2,285,140 | € 2,196,140 | € 2,143,099 | € 15,301 | ▼ 99% |
| Dividend | € 207,621 | € 435,524 | € 0 | € 1,771,772 | |
| Bank debt | € 1,455,937 | € 1,818,722 | € 2,102,181 | € 3,648,889 | ▲ 74% |
| Balance sheet total | € 5,216,028 | € 5,541,590 | € 5,366,786 | € 6,431,681 | ▲ 20% |
| Employees (FTE) | 22.6 | 23.9 | 24.5 | 29.8 | ▲ 5.3 |
Key figures of A&M Schaffen, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to A&M Schaffen?
What happened at A&M Schaffen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Holding A&M Group BV stepped down as director. NBB
- Automotive & Mobility Invest NV stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 356,026. Source: NBB ↗
- Holding A&M Group BV became a director. NBB
- Automotive & Mobility Invest NV became a director. NBB
- New establishment in Diest. KBO
- Start of the company according to the CBE. KBO
In short
From € 207,621 profit in 2022 to € 356,026 loss in 2025.
Paid € 248,709 in corporate taxes since 2022.
Best year ever: 2023, with € 346,524 profit.
Paid out € 2.4 million in dividends to the owners in total.
Management
The stake of Holding A&M Group comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
A&M SchaffenThe shares are held by Holding A&M Group (100%).
Directors
According to the 2025 annual accounts
Director · represented by Goedgezelschap Wim
Also active at: A&M Tongeren, A&M Genk, A&M Tienen, CEULEMANS HERENT, A&M Bree, A&M Diest, CEULEMANS MOTORS, Garage L. Ceulemans +9 more
since 2021 · until 2027
Automotive & Mobility Invest NV
Director · represented by Guelinckx Peter
Also active at: A&M Tongeren, A&M Genk, A&M BM Halen, A&M Tienen, CEULEMANS HERENT, A&M BM Antwerpen, A&M Bree, A&M Diest +25 more
since 2021 · until 2027
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Blanklaerstraat 5
3290 Diest
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0405.613.814
- VAT number
- BE 0405.613.814
- Registered office
- Blanklaerstraat 5, 3290 Diest
- Names & denominations
- A&M Schaffen
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 7 January 1959
- Peppol
- Active · Active since 18 Mar 2026
- Activities · NACE
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in motorvoertuigen
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
Onderhoud en reparatie van auto's
Detailhandel in motorbrandstoffen
Verhuur van auto's
Verhuur en lease van personenauto’s en andere lichte motorvoertuigen
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
+1