AERTS
ActiveSummary
AERTS has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €325k and a net result of €60k. Equity is shrinking by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 32% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-5
Solvency47▼-8
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.57 in 2024; short-term debt: 26.2% and cash: 8.6% of total assets), and 78.2% 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+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
21.8%
Return on assets
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
14 d early
2023
30 d early
2022
27 d early
2021
26 d early
2020
12 d early
2019
6 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, abbreviated schema
Equity
€325k▼ 7.8%
2024 · €352k
2018: €936k
2019: €972k
2020: €1.08M
2021: €373k
2022: €425k
2023: €393k
2024: €352k
2018 → 2025
Total assets
€1.49M▲ 27.0%
2024 · €1.18M
2018: €1.65M
2019: €1.66M
2020: €1.73M
2021: €1.50M
2022: €1.48M
2023: €1.48M
2024: €1.18M
2018 → 2025
Net result
€60k▼ 39.5%
2024 · €99k
2018: €50k
2019: €37k
2020: €104k
2021: €47k
2022: €52k
2023: €68k
2024: €99k
2018 → 2025
Working capital
€23k▼ 86.3%
2024 · €164k
2018: €356k
2019: €391k
2020: €479k
2021: €22k
2022: €265k
2023: €218k
2024: €164k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€373k-€425k▲ 13.9%€393k▼ 7.5%€352k▼ 10.4%€325k▼ 7.8%
Operating result€84k-€91k▲ 8.5%€110k▲ 20.8%€154k▲ 40.2%€80k▼ 47.9%
Net result€47k-€52k▲ 11.6%€68k▲ 30.6%€99k▲ 45.1%€60k▼ 39.5%
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 48% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.49M
Fixed assets
€1.08M ▲ 49.9%
Current assets
€414k ▼ 9.1%
Equity and liabilities €1.49M
Equity
€325k ▼ 7.8%
Provisions
€4k
Debt
€1.16M ▲ 41.5%
Debt's share of the balance-sheet total rises from 70.0% to 78.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€180k▼
2024 · €243k
Cash flow
€159k▼
2024 · €188k
Current ratio
1.06▼
2024 · 1.57
Quick ratio
0.69▼
2024 · 1.04
Debt to equity
3.58▲
2024 · 2.33
ROE
18.4%▼
2024 · 28.0%
ROA
4.0%▼
2024 · 8.4%
Interest coverage
7.59▼
2024 · 11.11
Debt ≤ 1 year
€391k▲
2024 · €291k
Debt > 1 year
€773k▲
2024 · €532k
Income taxes
€508▼
2024 · €37k
Staff costs
€620k▲
2024 · €611k
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 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.18M€1.49M▲
Fixed assets21/28€720k€1.08M▲
Tangible fixed assets22/27€716k€1.08M▲
Land and buildings22€660k€943k▲
Plant, machinery and equipment23€34k€21k▼
Furniture and vehicles24€5k€2k▼
Leasing and similar rights25€18k€109k▲
Financial fixed assets28€4k€4k▼
Current assets29/58€455k€414k▼
Stocks and contracts in progress3€152k€143k▼
Stocks30/36€152k€143k▼
Amounts receivable within one year40/41€52k€106k▲
Trade receivables40€10k€9k▼
Other amounts receivable41€41k€98k▲
Cash at bank and in hand54/58€249k€129k▼
Deferred charges and accrued income490/1€2k€36k▲
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.49M▲
Equity10/15€352k€325k▼
Contributions10/11€200k€200k=
Reserves13€152k€114k▼
Tax-exempt reserves132€54k€54k=
Distributable reserves133€99k€60k▼
Profit (loss) carried forward14€0€0=
Investment grants15-€11k
Provisions and deferred taxes16-€4k
Deferred taxes168-€4k
Amounts payable17/49€823k€1.16M▲
Amounts payable after more than one year17€532k€773k▲
Financial debts170/4€532k€773k▲
Amounts payable within one year42/48€291k€391k▲
Current portion of amounts payable after more than one year42€97k€136k▲
Trade debts44€93k€141k▲
Suppliers440/4€93k€141k▲
Taxes, remuneration and social security45€95k€113k▲
Taxes450/3€3k€15k▲
Remuneration and social security454/9€92k€98k▲
Other amounts payable47/48€6k€535▼
Accrued charges and deferred income492/3€53€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€611k€620k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89k€99k▲
Other operating charges640/8€13k€13k▼
Non-recurring operating charges66A€0€4k▲
Gross operating margin9900€867k€816k▼
Operating profit (loss)9901€154k€80k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€22k€24k▲
Recurring financial charges65€22k€24k▲
Profit (loss) for the period before taxes9903€135k€60k▼
Transfer from deferred taxes780-€199
Income taxes67/77€37k€508▼
Profit (loss) for the period9904€99k€60k▼
Profit (loss) for the period to be appropriated9905€99k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€60k▼
Transfer from equity791/2€89k€99k▲
Transfer to equity691/2€99k€60k▼
To other reserves6921€99k€60k▼
Profit to be distributed694/7€89k€99k▲
Return on contributions (dividend)694€89k€99k▲
Social balance
Average headcount (FTE)908712.611.6▼
The notes to these accounts (23 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €104k ▲184%
Net result €104k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.08M ▲10.7%
3 profitable years in a row build equity to €1.08M.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 6 days late
2019
31-12
Financial
Weakest financial yearnet €37k ▼26.6%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 13 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Heusden-Zolder · 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.
G. Gezellelaan 1753550 Heusden-ZolderGround area
2,911 m²
Building footprint
864 m²
Volume, LiDAR
3,694 m³
Parcel 71502B0969/00H000, Flanders · tallest building 17.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZELFBEDIENING AERTS
since 19872.029.646.608
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502B0969/00H000 | Flanders | 2,911 m² | 1 · 863 m² | 17.4 m · 1 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 25,561 EUR awarded · 2,152 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 23,409 EUR | 0 EUR |
| 2022 | 1 | 2,152 EUR | 2,152 EUR |
Schemes
Ecologiepremie+
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyHeusden-Zolder2.029.646.608
Similar companies · same sector, comparable size
DEN DAI
BE 0438.682.401
Tienen · Eq €325k
PRIMI
BE 0433.213.183
Heers · Eq €324k
DO SUPERMARCHE
BE 0687.457.707
Halle · Eq €326k
VARIMA
BE 0826.080.506
Lochristi · Eq €323k
VENTRANS
BE 0862.908.436
Zaventem · Eq €327k
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 3,694 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
Founded06-04-1987
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.