AD PUNCTUM
ActiveSummary
The computed 12-month bankruptcy probability of AD PUNCTUM is 1.9% (moderate). The 2025 annual accounts show equity of €164k and a net result of €61k. Equity is growing by ~60% per year across the filed fiscal years. Its solvency ranks better than 89% of 968 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+4
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 7.43 against 3.02 in 2024; short-term debt: 12.5% and cash: 59.5% of total assets), and 12.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Warehousing and support activities for transportation (NACE 52)
about 72% more bankruptcies
← 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
87.5%
Return on assets
32.4%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
28 d early
2024
18 d late
2023
23 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€164k▲ 58.8%
2024 · €103k
2023: €40klowest in 3 years
2024: €103k▲ +157% vs 2023
2025: €164k▲ +58.8% vs 2024highest in 3 years
2023 → 2025
Total assets
€187k▲ 29.6%
2024 · €144k
2023: €87klowest in 3 years
2024: €144k▲ +66.7% vs 2023
2025: €187k▲ +29.6% vs 2024highest in 3 years
2023 → 2025
Net result
€61k▼ 3.7%
2024 · €63k
2023: €30klowest in 3 years
2024: €63k▲ +109% vs 2023highest in 3 years
2025: €61k▼ -3.7% vs 2024
2023 → 2025
Working capital
€151k▲ 85.4%
2024 · €81k
2023: €8klowest in 3 years
2024: €81k▲ +898% vs 2023
2025: €151k▲ +85.4% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€40k-€103k▲ 157%€164k▲ 58.8%
2023: €40klowest in 3 years
2024: €103k▲ +157% vs 2023
2025: €164k▲ +58.8% vs 2024highest in 3 years
Operating result€43k-€89k▲ 107%€83k▼ 6.2%
2023: €43klowest in 3 years
2024: €89k▲ +107% vs 2023highest in 3 years
2025: €83k▼ -6.2% vs 2024
Net result€30k-€63k▲ 109%€61k▼ 3.7%
2023: €30klowest in 3 years
2024: €63k▲ +109% vs 2023highest in 3 years
2025: €61k▼ -3.7% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€13k ▼ 43.2%
Current assets
€174k ▲ 43.3%
Equity and liabilities €187k
Equity
€164k ▲ 58.8%
Debt
€23k ▼ 43.3%
Debt's share of the balance-sheet total falls from 28.6% to 12.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▼
2024 · €99k
Cash flow
€71k▼
2024 · €73k
Current ratio
7.43▲
2024 · 3.02
Debt to equity
0.14▼
2024 · 0.40
ROE
37.0%▼
2024 · 61.1%
ROA
32.4%▼
2024 · 43.6%
Interest coverage
136.16▲
2024 · 70.00
Debt ≤ 1 year
€23k▼
2024 · €40k
Income taxes
€23k▼
2024 · €25k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€144k€187k▲
Fixed assets21/28€23k€13k▼
Tangible fixed assets22/27€23k€13k▼
Furniture and vehicles24€23k€13k▼
Current assets29/58€122k€174k▲
Amounts receivable within one year40/41€15k€14k▼
Trade receivables40€14k€14k▼
Other amounts receivable41€848€130▼
Current investments50/53-€48k
Cash at bank and in hand54/58€106k€111k▲
Deferred charges and accrued income490/1€423€635▲
Equity and liabilities
Total equity and liabilities10/49€144k€187k▲
Equity10/15€103k€164k▲
Contributions10/11€10k€10k=
Reserves13€93k€154k▲
Distributable reserves133€93k€154k▲
Amounts payable17/49€41k€23k▼
Amounts payable within one year42/48€40k€23k▼
Trade debts44€535€2k▲
Suppliers440/4€535€2k▲
Taxes, remuneration and social security45€25k€8k▼
Taxes450/3€25k€8k▼
Other amounts payable47/48€15k€13k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Gross operating margin9900€99k€93k▼
Operating profit (loss)9901€89k€83k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€1k€685▼
Recurring financial charges65€1k€685▼
Profit (loss) for the period before taxes9903€88k€84k▼
Income taxes67/77€25k€23k▼
Profit (loss) for the period9904€63k€61k▼
Profit (loss) for the period to be appropriated9905€63k€61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€61k▼
Transfer to equity691/2€63k€61k▼
To other reserves6921€63k€61k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €10k | €10k | ▲ 1.2% |
| Gross operating margin9900 | €50k | €99k | €93k | ▼ 5.5% |
| Operating profit (loss)9901 | €43k | €89k | €83k | ▼ 6.2% |
| Financial income75/76B | €19 | - | €1k | - |
| Recurring financial income75 | €19 | - | €1k | - |
| Financial charges65/66B | €942 | €1k | €685 | ▼ 51.4% |
| Recurring financial charges65 | €942 | €1k | €685 | ▼ 51.4% |
| Profit (loss) for the period before taxes9903 | €42k | €88k | €84k | ▼ 4.2% |
| Income taxes67/77 | €12k | €25k | €23k | ▼ 5.3% |
| Profit (loss) for the period9904 | €30k | €63k | €61k | ▼ 3.7% |
| Profit (loss) for the period to be appropriated9905 | €30k | €63k | €61k | ▼ 3.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €87k | €144k | €187k | ▲ 29.6% |
| Fixed assets21/28 | €32k | €23k | €13k | ▼ 43.2% |
| Tangible fixed assets22/27 | €32k | €23k | €13k | ▼ 43.2% |
| Furniture and vehicles24 | €32k | €23k | €13k | ▼ 43.2% |
| Current assets29/58 | €55k | €122k | €174k | ▲ 43.3% |
| Amounts receivable within one year40/41 | €17k | €15k | €14k | ▼ 6.4% |
| Trade receivables40 | €17k | €14k | €14k | ▼ 1.8% |
| Other amounts receivable41 | €392 | €848 | €130 | ▼ 84.7% |
| Current investments50/53 | - | - | €48k | - |
| Cash at bank and in hand54/58 | €37k | €106k | €111k | ▲ 5.1% |
| Deferred charges and accrued income490/1 | €431 | €423 | €635 | ▲ 50.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €87k | €144k | €187k | ▲ 29.6% |
| Equity10/15 | €40k | €103k | €164k | ▲ 58.8% |
| Contributions10/11 | €10k | €10k | €10k | = |
| Reserves13 | €30k | €93k | €154k | ▲ 65.2% |
| Distributable reserves133 | €30k | €93k | €154k | ▲ 65.2% |
| Amounts payable17/49 | €47k | €41k | €23k | ▼ 43.3% |
| Amounts payable within one year42/48 | €47k | €40k | €23k | ▼ 41.8% |
| Trade debts44 | €4k | €535 | €2k | ▲ 349% |
| Suppliers440/4 | €4k | €535 | €2k | ▲ 349% |
| Taxes, remuneration and social security45 | €12k | €25k | €8k | ▼ 68.2% |
| Taxes450/3 | €12k | €25k | €8k | ▼ 68.2% |
| Other amounts payable47/48 | €31k | €15k | €13k | ▼ 10.8% |
| Accrued charges and deferred income492/3 | - | €1k | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €30k | €63k | €61k | ▼ 3.7% |
| + Depreciation and write-downs630 | €7k | €10k | €10k | ▲ 1.2% |
| Operating cash flow (approximation) | €37k | €73k | €71k | ▼ 3.1% |
| Investment in fixed assets (approximation) | - | €-718 | €0 | ▲ 100% |
| Change in cash | - | €69k | €5k | ▼ 92.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 7.43
Current ratio from 3.02 to 7.43; short-term debt falls from €40k to €23k.
31-12
Financial
Equity above €150kEq €164k ▲58.8%
3 profitable years in a row build equity to €164k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Highest result since 2023net €63k ▲109%
Operating result €89k, net result €63k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.02
Current ratio from 1.17 to 3.02; short-term debt falls from €47k to €40k.
31-12
Financial
Equity above €100kEq €103k ▲157%
2 profitable years in a row build equity to €103k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Overijse · 1 establishment unit since 2023
Ground area
2,261 m²
Building footprint
208 m²
Volume, LiDAR
1,083 m³
Parcel 23542F0125/00M002, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
AD PUNCTUM
since 20232.341.306.222
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23542F0125/00M002 | Flanders | 2,261 m² | 1 · 208 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
9845005DB4C0CD40FA11
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Of 527 companies in sector 52230 we hold annual accounts for 278. 206 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
52230Warehousing and support activities for transportation
70200Business and other management consultancy
84130Public administration and defence; compulsory social security
85532Education
94110Activities of business and employers' organisations
Scores and ratios are computed by Checked and are not a credit decision.