A & B Company
ActiveSummary
The computed 12-month bankruptcy probability of A & B Company is 1.6% (moderate). The 2025 annual accounts show equity of €17k and a net result of €42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 4603 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+23
Solvency33▲+21
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.66 against 0.3 in 2024; short-term debt: 80.8% and cash: 40.1% of total assets), and 92.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
7.8%
Return on assets
19.9%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 4603 sector peers (2025).
NBB · sector comparisonPosition among 4603 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
3 d early
2023
on the day
2022
31 d early
2021
66 d late
2020
79 d late
2019
69 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
€17k
2024 · €-26k
2018: €10k
2019: €3k
2020: €6k
2021: €10k
2022: €19k
2023: €-29k
2024: €-26k
2018 → 2025
Total assets
€213k▲ 11.3%
2024 · €191k
2018: €102k
2019: €94k
2020: €122k
2021: €115k
2022: €204k
2023: €158k
2024: €191k
2018 → 2025
Net result
€42k▲ 1,279%
2024 · €3k
2018: €-12k
2019: €-6k
2020: €3k
2021: €4k
2022: €9k
2023: €-47k
2024: €3k
2018 → 2025
Working capital
€-58k▲ 51.0%
2024 · €-119k
2018: €-42k
2019: €-59k
2020: €-86k
2021: €-66k
2022: €-92k
2023: €-110k
2024: €-119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€19k▲ 88.2%€-29k€-26k▲ 10.7%€17k
Operating result€7k-€13k▲ 88.0%€-44k€9k€60k▲ 577%
Net result€4k-€9k▲ 115%€-47k€3k€42k▲ 1,279%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 577% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€99k ▼ 29.9%
Current assets
€114k ▲ 127%
Equity and liabilities €213k
Equity
€17k
Debt
€196k
Debt finances 92.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€106k▲
2024 · €69k
Cash flow
€89k▲
2024 · €63k
Current ratio
0.66▲
2024 · 0.30
Debt to equity
11.79▲
2024 · -8.43
ROE
254.7%
ROA
19.9%▲
2024 · 1.6%
Interest coverage
31.83▲
2024 · 16.26
Debt ≤ 1 year
€172k▲
2024 · €169k
Debt > 1 year
€24k▼
2024 · €48k
Income taxes
€14k▲
2024 · €2k
Staff costs
€0▼
2024 · €8k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€191k€213k▲
Fixed assets21/28€141k€99k▼
Tangible fixed assets22/27€139k€97k▼
Plant, machinery and equipment23€805€343▼
Furniture and vehicles24€138k€96k▼
Financial fixed assets28€2k€2k=
Current assets29/58€50k€114k▲
Amounts receivable within one year40/41€15k€28k▲
Trade receivables40€15k€28k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€35k€85k▲
Equity and liabilities
Total equity and liabilities10/49€191k€213k▲
Equity10/15€-26k€17k▲
Contributions10/11€19k€19k=
Reserves13€162€162=
Non-distributable reserves130/1€162€162=
Reserves not available under the articles1311€162€162=
Profit (loss) carried forward14€-44k€-2k▲
Amounts payable17/49€217k€196k▼
Amounts payable after more than one year17€48k€24k▼
Financial debts170/4€48k€24k▼
Amounts payable within one year42/48€169k€172k▲
Current portion of amounts payable after more than one year42€26k€24k▼
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€15k€28k▲
Taxes450/3€10k€24k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€120k€115k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€88▼
Remuneration, social security and pensions62€8k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€47k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€0▼
Other operating charges640/8€13k€6k▼
Gross operating margin9900€92k€112k▲
Operating profit (loss)9901€9k€60k▲
Financial income75/76B€47€1▼
Recurring financial income75€47€1▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€5k€56k▲
Income taxes67/77€2k€14k▲
Profit (loss) for the period9904€3k€42k▲
Profit (loss) for the period to be appropriated9905€3k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-2k▲
Profit (loss) brought forward from the previous period14P€-48k€-44k▲
The notes to these accounts (12 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Highest result since 2018net €42k ▲1279%
Operating result €60k, net result €42k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-47k ▼642%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 66 days late
2021
18-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 79 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 69 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 2 establishment units since 2015
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.
Jozef Buerbaumstraat 432170 AntwerpenGround area
1.1 ha
Building footprint
8,080 m²
Volume, LiDAR
78,955 m³
2 parcels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
A & B Company
since 20152.242.072.153
Metropoolstraat 30, 2900 Schoten
since 20252.372.094.022
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11443C0655/00Y003 | Flanders | 1.0 ha | 1 · 7,979 m² | 12.0 m · 3 fl. |
| 11028A0144/00V008 | Flanders | 230 m² | 1 · 102 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 996 companies in sector 49420 we hold annual accounts for 450. 280 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 formPrivate limited company
Founded16-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
49420Removal services
77221Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@home-ladderlift.be