ABnCO
ActiveSummary
ABnCO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €158k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 24% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency35▼-11
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.71 against 0.91 in 2024; short-term debt: 77.2% and cash: 38.4% of total assets), and 90.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
9.6%
Return on assets
31.1%
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 24% of 2043 sector peers (2025).
NBB · sector comparisonPosition among 2043 sector peers
Solvency
better than 24%
← weakest
strongest →
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 05-05-2026, 87 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
87 d early
2024
2 d early
2023
2 d early
2022
32 d early
2021
2 d early
2020
2 d early
2019
1 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€158k▲ 17.7%
2024 · €134k
2018: €49k
2019: €63k
2020: €41k
2021: €52k
2022: €82k
2023: €112k
2024: €134k
2018 → 2025
Working capital
€-115k▼ 230%
2024 · €-35k
2018: €46k
2019: €17k
2020: €72k
2021: €9k
2022: €-7k
2023: €-49k
2024: €-35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€85k▼ 17.9%€97k▲ 14.2%€131k▲ 35.1%€49k▼ 62.9%
Operating result€78k-€114k▲ 45.4%€156k▲ 37.1%€191k▲ 22.3%€217k▲ 13.9%
Net result€52k-€82k▲ 56.7%€112k▲ 37.4%€134k▲ 19.6%€158k▲ 17.7%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €508k
Fixed assets
€231k ▼ 8.9%
Current assets
€276k ▼ 24.5%
Equity and liabilities €508k
Equity
€49k ▼ 62.9%
Debt
€459k ▼ 6.1%
Debt's share of the balance-sheet total rises from 78.9% to 90.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€260k▲
2024 · €234k
Cash flow
€200k▲
2024 · €177k
Current ratio
0.71▼
2024 · 0.91
Quick ratio
0.52▼
2024 · 0.52
Debt to equity
9.44▲
2024 · 3.74
ROE
324.5%▲
2024 · 102.4%
ROA
31.1%▲
2024 · 21.6%
Interest coverage
22.55▲
2024 · 15.82
Debt ≤ 1 year
€392k▼
2024 · €401k
Debt > 1 year
€62k▼
2024 · €80k
Income taxes
€48k▲
2024 · €42k
Staff costs
€8k▼
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€620k€508k▼
Fixed assets21/28€254k€231k▼
Tangible fixed assets22/27€254k€231k▼
Land and buildings22€161k€142k▼
Furniture and vehicles24€62k€44k▼
Other tangible fixed assets26€31k€45k▲
Financial fixed assets28€160€160=
Current assets29/58€366k€276k▼
Stocks and contracts in progress3€156k€73k▼
Stocks30/36€156k€73k▼
Amounts receivable within one year40/41€26k€5k▼
Trade receivables40€26k€217▼
Other amounts receivable41€0€5k▲
Cash at bank and in hand54/58€180k€195k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€620k€508k▼
Equity10/15€131k€49k▼
Contributions10/11€30k€30k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€84k€1k▼
Amounts payable17/49€489k€459k▼
Amounts payable after more than one year17€80k€62k▼
Financial debts170/4€80k€62k▼
Amounts payable within one year42/48€401k€392k▼
Current portion of amounts payable after more than one year42€17k€18k▲
Trade debts44€123k€108k▼
Suppliers440/4€123k€108k▼
Advances received on contracts in progress46€476€0▼
Taxes, remuneration and social security45€10k€26k▲
Taxes450/3€9k€22k▲
Remuneration and social security454/9€588€4k▲
Other amounts payable47/48€251k€240k▼
Accrued charges and deferred income492/3€8k€5k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€8k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€42k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k€53k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€253k€323k▲
Operating profit (loss)9901€191k€217k▲
Financial income75/76B€269€170▼
Recurring financial income75€269€170▼
Financial charges65/66B€15k€12k▼
Recurring financial charges65€15k€12k▼
Profit (loss) for the period before taxes9903€176k€206k▲
Income taxes67/77€42k€48k▲
Profit (loss) for the period9904€134k€158k▲
Profit (loss) for the period to be appropriated9905€134k€158k▲
Appropriation of the result
Profit (loss) to be appropriated9906€184k€241k▲
Profit (loss) brought forward from the previous period14P€50k€84k▲
Profit to be distributed694/7€100k€240k▲
Return on contributions (dividend)694€100k€240k▲
The notes to these accounts (16 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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €158k ▲17.7%
Operating result €217k, net result €158k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €131k ▲35.1%
7 profitable years in a row build equity to €131k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €41k ▼35.2%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €162k ▲34%
3 profitable years in a row build equity to €162k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Somme-Leuze · 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.
Chemin du Tombeu, Baillonville 65377 Somme-LeuzeGround area
3,813 m²
Building footprint
234 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
ABnCO Consulting
since 20152.237.590.357
Entre Nous
since 20152.237.590.456
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91010A0528/00A000 | Wallonia | 2,221 m² | 1 · 85 m² | - |
| 83044A0484/00S002 | Wallonia | 1,592 m² | 1 · 149 m² | - |
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.
Similar companies · same sector, comparable size
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Middelkerke · Eq €48,670
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TRYDIDACT
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THE BELGIAN HEDGEHOG
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Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 1,021 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
Founded22-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47714Retail trade
85599Other education
74120Graphic design and visual communication
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:acollard@hotmail.be
Phone:0472/91 61 57