A & D NAENEN
ActiveSummary
A & D NAENEN has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.30M and a net result of €946k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 1736 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €310k at 30 days acceptable
Liquidity ample (current ratio 5.39 against 5.02 in 2024; short-term debt: 17.5% and cash: 24.8% of total assets), and 17.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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
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
82.5%
Return on assets
23.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
3 d early
2023
2 d late
2022
25 d late
2021
41 d early
2020
2 d early
2019
8 d early
← 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, abbreviated schema
Equity
€3.30M▲ 7.8%
2024 · €3.06M
2018: €2.34M
2019: €2.68M
2020: €2.84M
2021: €2.85M
2022: €3.03M
2023: €2.19M
2024: €3.06M
2018 → 2025
Total assets
€3.99M▲ 6.3%
2024 · €3.76M
2018: €3.04M
2019: €3.21M
2020: €3.15M
2021: €3.33M
2022: €4.55M
2023: €3.54M
2024: €3.76M
2018 → 2025
Net result
€946k▼ 6.5%
2024 · €1.01M
2018: €368k
2019: €357k
2020: €148k
2021: €707k
2022: €1.08M
2023: €-466k
2024: €1.01M
2018 → 2025
Working capital
€3.06M▲ 8.8%
2024 · €2.82M
2018: €1.13M
2019: €1.82M
2020: €2.32M
2021: €2.46M
2022: €2.76M
2023: €1.95M
2024: €2.82M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.85M-€3.03M▲ 6.3%€2.19M▼ 27.5%€3.06M▲ 39.3%€3.30M▲ 7.8%
Operating result€974k-€1.58M▲ 62.1%€-450k€1.34M€1.33M▼ 0.8%
Net result€707k-€1.08M▲ 53.4%€-466k€1.01M€946k▼ 6.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.99M
Fixed assets
€234k ▼ 3.2%
Current assets
€3.76M ▲ 6.9%
Equity and liabilities €3.99M
Equity
€3.30M ▲ 7.8%
Debt
€698k ▼ 0.4%
Debt's share of the balance-sheet total falls from 18.7% to 17.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.33M▼
2024 · €1.35M
Cash flow
€946k▼
2024 · €1.02M
Current ratio
5.39▲
2024 · 5.02
Debt to equity
0.21▼
2024 · 0.23
ROE
28.7%▼
2024 · 33.1%
ROA
23.7%▼
2024 · 26.9%
Interest coverage
203.22▲
2024 · 51.25
Debt ≤ 1 year
€698k▼
2024 · €701k
Income taxes
€430k▲
2024 · €327k
Staff costs
€0▼
2024 · €10k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.76M€3.99M▲
Fixed assets21/28€242k€234k▼
Tangible fixed assets22/27€241k€234k▼
Land and buildings22€234k€234k=
Plant, machinery and equipment23€8k€0▼
Financial fixed assets28€125€125=
Current assets29/58€3.52M€3.76M▲
Amounts receivable within one year40/41€652k€399k▼
Trade receivables40€652k€312k▼
Other amounts receivable41€0€87k▲
Current investments50/53€2.17M€2.37M▲
Cash at bank and in hand54/58€699k€991k▲
Equity and liabilities
Total equity and liabilities10/49€3.76M€3.99M▲
Equity10/15€3.06M€3.30M▲
Contributions10/11€20k€20k=
Reserves13€3.04M€3.28M▲
Non-distributable reserves130/1€27k€27k=
Reserves not available under the articles1311€27k€27k=
Distributable reserves133€3.01M€3.25M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€701k€698k▼
Amounts payable within one year42/48€701k€698k▼
Trade debts44€287k€226k▼
Suppliers440/4€287k€226k▼
Advances received on contracts in progress46€55k€0▼
Taxes, remuneration and social security45€105k€229k▲
Taxes450/3€105k€229k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€254k€244k▼
Income statement
Code20242025
Remuneration, social security and pensions62€10k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€0▼
Other operating charges640/8€30k€62k▲
Gross operating margin9900€1.39M€1.39M▲
Operating profit (loss)9901€1.34M€1.33M▼
Financial income75/76B€21k€50k▲
Recurring financial income75€21k€50k▲
Financial charges65/66B€26k€7k▼
Recurring financial charges65€26k€7k▼
Profit (loss) for the period before taxes9903€1.34M€1.38M▲
Income taxes67/77€327k€430k▲
Profit (loss) for the period9904€1.01M€946k▼
Profit (loss) for the period to be appropriated9905€1.01M€946k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.01M€946k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€148k€707k▲
Transfer to equity691/2€1.01M€946k▼
To other reserves6921€1.01M€946k▼
Profit to be distributed694/7€148k€707k▲
Return on contributions (dividend)694€148k€707k▲
Social balance
Average headcount (FTE)90870.60.0▼
The notes to these accounts (20 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €1.01M
Net result €1.01M after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 5.02
Current ratio from 2.45 to 5.02; short-term debt falls from €1.34M to €701k.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 2 days late
2023
31-12
Financial
Weakest financial yearnet €-466k ▼143%
Net result drops to €-466k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
31-12
Financial
Highest result since 2018net €1.08M ▲53.4%
Operating result €1.58M, net result €1.08M, both a record.
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Nijlen · 1 establishment unit since 1987
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.
Vorstenbroek(Kessel) 82560 NijlenGround area
1,454 m²
Building footprint
130 m²
Parcel 12018A0629/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
Vorstenbroek(Kessel) 8, 2560 Nijlen
since 19872.032.326.083
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12018A0629/00K000 | Flanders | 1,454 m² | 1 · 130 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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FRUITHANDEL ROELANDT
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GONI
BE 0536.565.891
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HEALTHY FRUIT
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Of 3,625 companies in sector 01130 we hold annual accounts for 789. 451 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
Founded02-12-1987
Fiscal year end31-12
Activities, NACEBEL 2025
01130Growing of vegetables, melons, roots and tubers
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.