ADIBA
ActiveADIBA has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €255k and a net result of €8k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 56% of 9114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▲+7
Solvency64▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.15 in 2024; short-term debt: 32.3% and cash: 0% of total assets), but 61.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
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
38.5%
Return on assets
1.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
on the day
2023
on the day
2022
2 d late
2021
16 d late
2020
38 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€255k▲ 3.0%
2024 · €247k
2018: €242k
2019: €231k
2020: €233k
2021: €238k
2022: €243k
2023: €244k
2024: €247k
2018 → 2025
Total assets
€661k▼ 48.4%
2024 · €1.28M
2018: €698k
2019: €632k
2020: €860k
2021: €913k
2022: €1.07M
2023: €1.17M
2024: €1.28M
2018 → 2025
Net result
€8k▲ 166%
2024 · €3k
2018: €-22k
2019: €-10k
2020: €2k
2021: €5k
2022: €5k
2023: €1k
2024: €3k
2018 → 2025
Working capital
€134k▲ 9.4%
2024 · €122k
2018: €141k
2019: €194k
2020: €180k
2021: €148k
2022: €153k
2023: €129k
2024: €122k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€238k-€243k▲ 2.1%€244k▲ 0.5%€247k▲ 1.3%€255k▲ 3.0%
Operating result€16k-€10k▼ 37.5%€6k▼ 44.1%€13k▲ 126%€23k▲ 83.8%
Net result€5k-€5k▲ 10.0%€1k▼ 75.9%€3k▲ 149%€8k▲ 166%
Turnover and EBIT margin not published: the abbreviated 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 84% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661k
Fixed assets
€314k▼ 5.8%
Current assets
€347k▼ 63.4%
Equity and liabilities €661k
Equity
€255k▲ 3.0%
Debt
€406k▼ 60.7%
The debt ratio falls from 80.7% to 61.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €32k
Cash flow
€27k▲
2024 · €22k
Solvency
38.5%▲
2024 · 19.3%
Current ratio
1.63▲
2024 · 1.15
Quick ratio
1.63▲
2024 · 1.15
Debt / equity
1.60▼
2024 · 4.18
ROE
3.2%▲
2024 · 1.2%
ROA
1.2%▲
2024 · 0.2%
Interest coverage
2.05▲
2024 · 1.32
Debt
€406k▼
2024 · €1.03M
Debt ≤ 1 year
€213k▼
2024 · €825k
Debt > 1 year
€178k▼
2024 · €208k
Income taxes
€4k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.28M€661k▼
Fixed assets21/28€333k€314k▼
Tangible fixed assets22/27€333k€314k▼
Land and buildings22€333k€314k▼
Current assets29/58€947k€347k▼
Amounts receivable within one year40/41€945k€345k▼
Trade receivables40€121k€4k▼
Other amounts receivable41€825k€341k▼
Cash at bank and in hand54/58-€109
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.28M€661k▼
Equity10/15€247k€255k▲
Contributions10/11€225k€225k=
Capital10€225k€225k=
Issued capital100€225k€225k=
Reserves13€22k€30k▲
Non-distributable reserves130/1€21k€23k▲
Legal reserve130€21k€23k▲
Distributable reserves133€1k€7k▲
Amounts payable17/49€1.03M€406k▼
Amounts payable after more than one year17€208k€178k▼
Financial debts170/4€208k€178k▼
Amounts payable within one year42/48€825k€213k▼
Current portion of amounts payable after more than one year42€29k€30k▲
Financial debts43€25k-
Credit institutions430/8€25k-
Trade debts44€73k€2k▼
Suppliers440/4€73k€2k▼
Taxes, remuneration and social security45€25k€3k▼
Taxes450/3€25k€3k▼
Other amounts payable47/48€673k€179k▼
Accrued charges and deferred income492/3-€15k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k=
Other operating charges640/8€5k€5k▲
Gross operating margin9900€37k€47k▲
Operating profit (loss)9901€13k€23k▲
Financial income75/76B€16k€9k▼
Recurring financial income75€16k€9k▼
Financial charges65/66B€24k€21k▼
Recurring financial charges65€24k€21k▼
Profit (loss) for the period before taxes9903€4k€12k▲
Income taxes67/77€1k€4k▲
Profit (loss) for the period9904€3k€8k▲
Profit (loss) for the period to be appropriated9905€3k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€8k▲
Transfer from equity791/2-€833
Transfer to equity691/2€3k€8k▲
To the legal reserve6920€3k€1k▼
To other reserves6921-€7k
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
The notes to these accounts (6 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €8k ▲166%
Operating result €23k, net result €8k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Geraardsbergen · 1 establishment unit since 1991
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.
Dagmoedstraat(Sch) 1159500 Geraardsbergen1 establishment unit
Dagmoedstraat(Sch) 115, 9500 Geraardsbergen
since 19912.024.269.442
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Of 9,134 companies in sector 68201 we hold annual accounts for 6,762. 4,909 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-12-1983
Fiscal year end30-09
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
46450Wholesale of perfume and cosmetics
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.