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.
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Tight liquidity NBB
Cash and receivables cover 48 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
A&M Sint-Truiden from Sint-Truiden, company number BE0893747112, closed financial year 2025 with a result of € -91,874 after tax. For that financial year A&M Sint-Truiden recorded revenue of € 36.2 million and equity of € 1.3 million. Compared with financial year 2024, the result moved from € -306,628 to € -91,874. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 2, 2026.
€ 1.3 million
▼ 23% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -91,874
▲ 70 % less loss than in 2024
Profit after tax over the fiscal year.
€ 16,134
▲ 13% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 0.
People and assets in 2025
28.2
▲ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.8 million
▲ 12% vs 2024
€ 65,000 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.
€ 24,076
▼ 30% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.3 million
▼ 60% vs 2024
Loans from banks and other lenders, long and short.
€ 660,039
▼ 15% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 7 days on average.
€ 682,659
▲ 33% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 23,124,244 | € 36,354,496 | € 36,585,956 | € 36,153,816 | ▼ 1% |
| Profit after taxes | € 193,309 | € 342,319 | € -306,628 | € -91,874 | ▲ € 214,754 |
| Equity | € 1,975,459 | € 1,922,059 | € 1,615,431 | € 1,250,000 | ▼ 23% |
| Total debts | € 4,523,287 | € 6,795,541 | € 7,498,510 | € 4,205,312 | ▼ 44% |
| Cash | € 50,057 | € 229,676 | € 14,263 | € 16,134 | ▲ 13% |
| Land & buildings | € 13,439 | € 9,533 | € 5,626 | € 3,211 | ▼ 43% |
| Retained profit | € 725,459 | € 672,059 | € 365,431 | € 0 | ▼ 100% |
| Dividend | € 193,309 | € 395,719 | € 0 | € 273,556 | |
| Bank debt | € 3,265,764 | € 5,112,574 | € 5,748,621 | € 2,314,298 | ▼ 60% |
| Balance sheet total | € 6,498,746 | € 8,717,600 | € 9,113,941 | € 5,455,312 | ▼ 40% |
| Employees (FTE) | 25.4 | 25.1 | 27.3 | 28.2 | ▲ 0.9 |
Key figures of A&M Sint-Truiden, 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 Sint-Truiden?
What happened at A&M Sint-Truiden in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 91,874. Source: NBB ↗
- Holding A&M Group BV became a director. NBB
- Automotive & Mobility Invest NV became a director. NBB
- New establishment in Sint-Truiden. KBO
- Start of the company according to the CBE. KBO
In short
From € 193,309 profit in 2022 to € 91,874 loss in 2025.
Paid € 390,033 in corporate taxes since 2022.
Best year ever: 2023, with € 342,319 profit.
Paid out € 862,584 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 Sint-TruidenBehind A&M Sint-Truiden are Holding A&M Group BV and Automotive & Mobility Invest NV. The 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 Schaffen, A&M Genk, A&M Tienen, CEULEMANS HERENT, A&M Bree, A&M Diest, CEULEMANS MOTORS +9 more
since 2021
Automotive & Mobility Invest NV
Director · represented by Guelinckx Peter
Also active at: A&M Tongeren, A&M Schaffen, A&M Genk, A&M BM Halen, A&M Tienen, CEULEMANS HERENT, A&M BM Antwerpen, A&M Bree +25 more
since 2021
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Spookvliegerlaan 1111
3800 Sint-Truiden
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0893.747.112
- VAT number
- BE 0893.747.112
- Registered office
- Spookvliegerlaan 1111, 3800 Sint-Truiden
- Names & denominations
- A&M Sint-Truiden
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 November 2007
- Peppol
- Active · Active since 18 Mar 2026
- Activities · NACE
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
Verhuur en lease van personenauto’s en andere lichte motorvoertuigen
Detailhandel in onderdelen en accessoires van motorvoertuigen
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)